ASSURAD
ActiveSummary
ASSURAD has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €306,384 and a net result of -€3,966. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 88% of 7859 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▲+11
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23,000 at 30 days acceptable
Liquidity ample (current ratio 4.46 against 7.2 in 2024; short-term debt: 2.4% and cash: 0% of total assets), and 11.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-03-2026, 128 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
128 d early
2024
58 d early
2023
68 d early
2022
60 d early
2021
40 d early
2020
17 d early
2019
52 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 60 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 1 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€25,545▲ 25,778%
2018 · €99
EBIT margin
126.4%▼ 3178.2pp
2018 · 3304.6%
Net result
-€3,966▲ 15.0%
2024 · -€4,667
Working capital
€28,228▼ 35.1%
2024 · €43,480
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€378,514▲ 2,492%-€39,440-€4,479▲ 88.6%-€3,256▲ 27.3%-€2,650▲ 18.6%
Net result€276,570above the sector's middle half▲ 4,404%-€42,022below the sector's middle half-€5,982below the sector's middle half▲ 85.8%-€4,667below the sector's middle half▲ 22.0%-€3,966below the sector's middle half▲ 15.0%
EBIT margin
Equity€363,021above the sector's middle half▲ 320%€321,000above the sector's middle half▼ 11.6%€315,017above the sector's middle half▼ 1.9%€310,350above the sector's middle half▼ 1.5%€306,384above the sector's middle half▼ 1.3%
Total assets€464,338above the sector's middle half▲ 405%€472,116above the sector's middle half▲ 1.7%€362,132within the sector's middle half▼ 23.3%€352,722within the sector's middle half▼ 2.6%€345,062within the sector's middle half▼ 2.2%
Debt€101,317▲ 1,720%€151,117▲ 49.2%€47,114▼ 68.8%€42,372▼ 10.1%€38,677▼ 8.7%
Working capital€178,913above the sector's middle half▲ 107%€57,392within the sector's middle half▼ 67.9%€46,523within the sector's middle half▼ 18.9%€43,480within the sector's middle half▼ 6.5%€28,228within the sector's middle half▼ 35.1%
Solvency78.2%above the sector's middle half▼ 15.8pp68.0%within the sector's middle half▼ 10.2pp87.0%above the sector's middle half▲ 19.0pp88.0%above the sector's middle half▲ 1.0pp88.8%above the sector's middle half▲ 0.8pp
Current ratio2.77within the sector's middle half▼ 13.741.54within the sector's middle half▼ 1.237.63above the sector's middle half▲ 6.097.20above the sector's middle half▼ 0.434.46above the sector's middle half▼ 2.74
Return on assets (ROA)59.6%above the sector's middle half▲ 52.9pp-8.9%below the sector's middle half▼ 68.5pp-1.7%below the sector's middle half▲ 7.2pp-1.3%below the sector's middle half▲ 0.3pp-1.1%below the sector's middle half▲ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Why a figure moved sharply
- 2021 Net result +4,404% on 2020. This fiscal year ran 15 months, the previous one 12.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,650 in 2025 against €3,256 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345,062
Fixed assets
€308,678 ▲ 2.1%
Current assets
€36,383 ▼ 27.9%
Equity and liabilities €345,062
Equity
€306,384 ▼ 1.3%
Debt
€38,677 ▼ 8.7%
Debt's share of the balance-sheet total falls from 12.0% to 11.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3,970▲
2024 · €3,103
Cash flow
€2,655▲
2024 · €1,692
Debt to equity
0.13▼
2024 · 0.14
ROE
-1.3%▲
2024 · -1.5%
Interest coverage
4.12▲
2024 · 2.92
Debt ≤ 1 year
€8,155▲
2024 · €7,008
Debt > 1 year
€30,522▼
2024 · €35,364
Income taxes
€353▲
2024 · €347
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €442,021 | - | €1,485 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €692 | €4,695 | €6,359 | €6,359 | €6,620 | ▲ 4.1% |
| Other operating charges640/8 | €32,795 | €27,582 | €752 | €1,057 | €1,143 | ▲ 8.1% |
| Gross operating margin9900 | €412,001 | -€7,163 | €2,632 | €4,160 | €5,113 | ▲ 22.9% |
| Operating profit (loss)9901 | €378,514 | -€39,440 | -€4,479 | -€3,256 | -€2,650 | ▲ 18.6% |
| Financial income75/76B | €0 | - | - | €1 | - | - |
| Recurring financial income75 | €0 | - | - | €1 | - | - |
| Financial charges65/66B | €658 | €2,263 | €1,167 | €1,064 | €963 | ▼ 9.6% |
| Recurring financial charges65 | €658 | €2,263 | €1,167 | €1,064 | €963 | ▼ 9.6% |
| Profit (loss) for the period before taxes9903 | €377,857 | -€41,702 | -€5,646 | -€4,320 | -€3,613 | ▲ 16.4% |
| Income taxes67/77 | €101,287 | €319 | €336 | €347 | €353 | ▲ 1.6% |
| Profit (loss) for the period9904 | €276,570 | -€42,022 | -€5,982 | -€4,667 | -€3,966 | ▲ 15.0% |
| Profit (loss) for the period to be appropriated9905 | €276,570 | -€42,022 | -€5,982 | -€4,667 | -€3,966 | ▲ 15.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €464,338 | €472,116 | €362,132 | €352,722 | €345,062 | ▼ 2.2% |
| Fixed assets21/28 | €184,108 | €308,337 | €308,594 | €302,235 | €308,678 | ▲ 2.1% |
| Tangible fixed assets22/27 | €184,108 | €308,337 | €308,594 | €302,235 | €308,678 | ▲ 2.1% |
| Land and buildings22 | €184,108 | €308,337 | €308,594 | €302,235 | €308,678 | ▲ 2.1% |
| Current assets29/58 | €280,231 | €163,780 | €53,538 | €50,488 | €36,383 | ▼ 27.9% |
| Amounts receivable within one year40/41 | €64,652 | €72,735 | €53,268 | €50,472 | €36,367 | ▼ 27.9% |
| Trade receivables40 | - | - | - | - | €225 | - |
| Other amounts receivable41 | €64,652 | €72,735 | €53,268 | €50,472 | €36,143 | ▼ 28.4% |
| Cash at bank and in hand54/58 | €215,579 | €91,045 | €269 | €16 | €16 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €464,338 | €472,116 | €362,132 | €352,722 | €345,062 | ▼ 2.2% |
| Equity10/15 | €363,021 | €321,000 | €315,017 | €310,350 | €306,384 | ▼ 1.3% |
| Contributions10/11 | €30,987 | €30,987 | €30,987 | €30,987 | €30,987 | = |
| Reserves13 | €284,748 | €284,748 | €284,031 | €279,363 | €275,398 | ▼ 1.4% |
| Tax-exempt reserves132 | €8,178 | €8,178 | €8,178 | €8,178 | €8,178 | = |
| Distributable reserves133 | €276,570 | €276,570 | €275,853 | €271,185 | €267,220 | ▼ 1.5% |
| Profit (loss) carried forward14 | €47,286 | €5,265 | - | - | - | - |
| Amounts payable17/49 | €101,317 | €151,117 | €47,114 | €42,372 | €38,677 | ▼ 8.7% |
| Amounts payable after more than one year17 | - | €44,729 | €40,099 | €35,364 | €30,522 | ▼ 13.7% |
| Financial debts170/4 | - | €44,729 | €40,099 | €35,364 | €30,522 | ▼ 13.7% |
| Amounts payable within one year42/48 | €101,317 | €106,388 | €7,015 | €7,008 | €8,155 | ▲ 16.4% |
| Current portion of amounts payable after more than one year42 | - | €4,527 | €4,630 | €4,735 | €4,842 | ▲ 2.3% |
| Financial debts43 | - | - | - | €154 | €356 | ▲ 132% |
| Credit institutions430/8 | - | - | - | €154 | €356 | ▲ 132% |
| Trade debts44 | €31 | €255 | €1,730 | €1,772 | €2,256 | ▲ 27.3% |
| Suppliers440/4 | €31 | €255 | €1,730 | €1,772 | €2,256 | ▲ 27.3% |
| Taxes, remuneration and social security45 | €101,287 | €101,606 | €655 | €347 | €700 | ▲ 102% |
| Taxes450/3 | €101,287 | €101,606 | €655 | €347 | €700 | ▲ 102% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €276,570 | -€42,022 | -€5,982 | -€4,667 | -€3,966 | ▲ 15.0% |
| + Depreciation and write-downs630 | €692 | €4,695 | €6,359 | €6,359 | €6,620 | ▲ 4.1% |
| Operating cash flow (approximation) | €277,262 | -€37,326 | €377 | €1,692 | €2,655 | ▲ 56.9% |
| Investment in fixed assets (approximation) | - | -€128,924 | -€6,616 | €0 | -€13,064 | - |
| Change in cash | - | -€124,534 | -€90,775 | -€254 | €0 | ▲ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 7.63
Current ratio from 1.54 to 7.63; short-term debt falls from €106,388 to €7,015.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€42,022
Net result drops to -€42,022, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €276,570 ▲4,404%
Operating result €378,514, net result €276,570, both a record.
31-12
Financial
Equity above €200,000Eq €363,021 ▲320%
3 profitable years in a row build equity to €363,021.
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €17,045
Net result €17,045 after one loss-making year.
Show earlier events
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Aarschot · 1 establishment unit since 2006
Ground area
1,388 m²
Building footprint
434 m²
Volume, LiDAR
2,061 m³
Parcel 24662F0063/00X004, Flanders · tallest building 12.2 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Assurad
since 20062.157.810.530
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662F0063/00X004 | Flanders | 1,388 m² | 1 · 434 m² | 12.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,218 companies in sector 82100 we hold annual accounts for 3,517. 2,265 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-10-1991
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
82990Other business support services
Contact
E-mail
paulysebaert168@gmail.comAarschot
E-invoicing
Reachable via Peppol
Peppol ID
0208:0445455078
Registered
24-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.