ASSURAL
ActiveSummary
ASSURAL has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €523k and a net result of €-4k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▲+2
Solvency60▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.64 against 2.83 in 2024; short-term debt: 4.9% and cash: 0.6% of total assets), but 64.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
76 d early
2023
43 d early
2022
24 d early
2021
47 d early
2020
36 d early
2019
25 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€523k▼ 0.7%
2024 · €527k
2018: €252k
2019: €234k▼ -7.3% vs 2018lowest in 8 years
2020: €252k▲ +8.0% vs 2019
2021: €265k▲ +4.9% vs 2020
2022: €517k▲ +95.3% vs 2021
2023: €536k▲ +3.7% vs 2022highest in 8 years
2024: €527k▼ -1.7% vs 2023
2025: €523k▼ -0.7% vs 2024
2018 → 2025
Total assets
€1.48M▼ 5.3%
2024 · €1.57M
2018: €1.61M
2019: €1.71M▲ +6.3% vs 2018highest in 8 years
2020: €1.69M▼ -1.1% vs 2019
2021: €1.66M▼ -1.9% vs 2020
2022: €1.70M▲ +2.1% vs 2021
2023: €1.65M▼ -2.8% vs 2022
2024: €1.57M▼ -5.0% vs 2023
2025: €1.48M▼ -5.3% vs 2024lowest in 8 years
2018 → 2025
Net result
€-4k▲ 61.8%
2024 · €-9k
2018: €14k
2019: €-18k▼ -236% vs 2018lowest in 8 years
2020: €19k▲ +201% vs 2019
2021: €12k▼ -34.1% vs 2020
2022: €252k▲ +1946% vs 2021highest in 8 years
2023: €19k▼ -92.4% vs 2022
2024: €-9k▼ -149% vs 2023
2025: €-4k▲ +61.8% vs 2024
2018 → 2025
Working capital
€118k▼ 21.4%
2024 · €150k
2018: €-142k
2019: €-159k▼ -11.8% vs 2018
2020: €-165k▼ -3.9% vs 2019
2021: €-196k▼ -18.6% vs 2020lowest in 8 years
2022: €196k▲ +200% vs 2021highest in 8 years
2023: €192k▼ -1.9% vs 2022
2024: €150k▼ -21.9% vs 2023
2025: €118k▼ -21.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€265k-€517k▲ 95.3%€536k▲ 3.7%€527k▼ 1.7%€523k▼ 0.7%
2021: €265klowest in 5 years
2022: €517k▲ +95.3% vs 2021
2023: €536k▲ +3.7% vs 2022highest in 5 years
2024: €527k▼ -1.7% vs 2023
2025: €523k▼ -0.7% vs 2024
Operating result€35k-€336k▲ 856%€46k▼ 86.3%€10k▼ 78.0%€14k▲ 40.6%
2021: €35k
2022: €336k▲ +856% vs 2021highest in 5 years
2023: €46k▼ -86.3% vs 2022
2024: €10k▼ -78.0% vs 2023lowest in 5 years
2025: €14k▲ +40.6% vs 2024
Net result€12k-€252k▲ 1,946%€19k▼ 92.4%€-9k€-4k▲ 61.8%
2021: €12k
2022: €252k▲ +1946% vs 2021highest in 5 years
2023: €19k▼ -92.4% vs 2022
2024: €-9k▼ -149% vs 2023lowest in 5 years
2025: €-4k▲ +61.8% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 41% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.29M ▼ 3.1%
Current assets
€190k ▼ 18.1%
Equity and liabilities €1.48M
Equity
€523k ▼ 0.7%
Provisions
€48k ▼ 4.2%
Debt
€912k ▼ 7.8%
Debt's share of the balance-sheet total falls from 63.2% to 61.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€62k▲
2024 · €58k
Cash flow
€44k▲
2024 · €39k
Current ratio
2.64▼
2024 · 2.83
Debt to equity
1.74▼
2024 · 1.88
ROE
-0.7%▲
2024 · -1.8%
ROA
-0.2%▲
2024 · -0.6%
Interest coverage
2.60▲
2024 · 2.45
Debt ≤ 1 year
€72k▼
2024 · €82k
Debt > 1 year
€837k▼
2024 · €904k
Income taxes
€4k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.57M€1.48M▼
Fixed assets21/28€1.33M€1.29M▼
Tangible fixed assets22/27€1.33M€1.29M▼
Land and buildings22€1.33M€1.29M▼
Furniture and vehicles24€6k€7k▲
Current assets29/58€232k€190k▼
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€600-
Other amounts receivable41€7k€5k▼
Current investments50/53€210k€175k▼
Cash at bank and in hand54/58€13k€8k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.48M▼
Equity10/15€527k€523k▼
Contributions10/11€19k€19k=
Reserves13€508k€504k▼
Tax-exempt reserves132€149k€143k▼
Distributable reserves133€359k€362k▲
Provisions and deferred taxes16€50k€48k▼
Deferred taxes168€50k€48k▼
Amounts payable17/49€989k€912k▼
Amounts payable after more than one year17€904k€837k▼
Financial debts170/4€904k€837k▼
Amounts payable within one year42/48€82k€72k▼
Current portion of amounts payable after more than one year42€79k€68k▼
Trade debts44€218€803▲
Suppliers440/4€218€803▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€499€505▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€48k=
Other operating charges640/8€8k€8k▲
Gross operating margin9900€66k€70k▲
Operating profit (loss)9901€10k€14k▲
Financial income75/76B€4k€8k▲
Recurring financial income75€4k€8k▲
Financial charges65/66B€24k€24k▲
Recurring financial charges65€24k€24k▲
Profit (loss) for the period before taxes9903€-10k€-2k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€-9k€-4k▲
Transfer from tax-exempt reserves789€6k€6k=
Profit (loss) for the period to be appropriated9905€-3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€3k▲
Transfer from equity791/2€3k-
Transfer to equity691/2-€3k
To other reserves6921-€3k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €314k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €59k | €47k | €48k | €48k | €48k | = |
| Other operating charges640/8 | €9k | €8k | €6k | €8k | €8k | ▲ 4.0% |
| Gross operating margin9900 | €103k | €391k | €101k | €66k | €70k | ▲ 6.7% |
| Operating profit (loss)9901 | €35k | €336k | €46k | €10k | €14k | ▲ 40.6% |
| Financial income75/76B | €21 | €52 | €3k | €4k | €8k | ▲ 107% |
| Recurring financial income75 | €21 | €52 | €3k | €4k | €8k | ▲ 107% |
| Financial charges65/66B | €22k | €20k | €22k | €24k | €24k | ▲ 0.9% |
| Recurring financial charges65 | €22k | €20k | €22k | €24k | €24k | ▲ 0.9% |
| Profit (loss) for the period before taxes9903 | €13k | €315k | €27k | €-10k | €-2k | ▲ 82.0% |
| Transfer from deferred taxes780 | €2k | €14k | €2k | €2k | €2k | = |
| Income taxes67/77 | €3k | €77k | €10k | €2k | €4k | ▲ 135% |
| Profit (loss) for the period9904 | €12k | €252k | €19k | €-9k | €-4k | ▲ 61.8% |
| Transfer from tax-exempt reserves789 | €34k | €7k | €6k | €6k | €6k | = |
| Transfer to tax-exempt reserves689 | - | €11k | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €46k | €247k | €25k | €-3k | €3k | ▲ 183% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.66M | €1.70M | €1.65M | €1.57M | €1.48M | ▼ 5.3% |
| Fixed assets21/28 | €1.65M | €1.43M | €1.38M | €1.33M | €1.29M | ▼ 3.1% |
| Tangible fixed assets22/27 | €1.65M | €1.43M | €1.38M | €1.33M | €1.29M | ▼ 3.1% |
| Land and buildings22 | €1.63M | €1.41M | €1.37M | €1.33M | €1.29M | ▼ 3.1% |
| Furniture and vehicles24 | €19k | €18k | €11k | €6k | €7k | ▲ 12.6% |
| Current assets29/58 | €8k | €268k | €268k | €232k | €190k | ▼ 18.1% |
| Amounts receivable within one year40/41 | €77 | €23k | €13k | €8k | €5k | ▼ 35.6% |
| Trade receivables40 | - | - | - | €600 | - | - |
| Other amounts receivable41 | €77 | €23k | €13k | €7k | €5k | ▼ 30.3% |
| Current investments50/53 | - | €235k | €245k | €210k | €175k | ▼ 16.7% |
| Cash at bank and in hand54/58 | €7k | €9k | €8k | €13k | €8k | ▼ 34.2% |
| Deferred charges and accrued income490/1 | €1k | €1k | €1k | €2k | €2k | ▲ 7.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.66M | €1.70M | €1.65M | €1.57M | €1.48M | ▼ 5.3% |
| Equity10/15 | €265k | €517k | €536k | €527k | €523k | ▼ 0.7% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €271k | €498k | €517k | €508k | €504k | ▼ 0.7% |
| Non-distributable reserves130/1 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | €2k | - | - | - | - | - |
| Tax-exempt reserves132 | €156k | €161k | €155k | €149k | €143k | ▼ 4.2% |
| Distributable reserves133 | €113k | €337k | €362k | €359k | €362k | ▲ 0.7% |
| Profit (loss) carried forward14 | €-25k | - | - | - | - | - |
| Provisions and deferred taxes16 | €67k | €54k | €52k | €50k | €48k | ▼ 4.2% |
| Deferred taxes168 | €67k | €54k | €52k | €50k | €48k | ▼ 4.2% |
| Amounts payable17/49 | €1.33M | €1.13M | €1.06M | €989k | €912k | ▼ 7.8% |
| Amounts payable after more than one year17 | €1.12M | €1.05M | €981k | €904k | €837k | ▼ 7.5% |
| Financial debts170/4 | €1.12M | €1.05M | €981k | €904k | €837k | ▼ 7.5% |
| Amounts payable within one year42/48 | €204k | €72k | €76k | €82k | €72k | ▼ 12.0% |
| Current portion of amounts payable after more than one year42 | €70k | €70k | €71k | €79k | €68k | ▼ 13.6% |
| Trade debts44 | €4k | €155 | €211 | €218 | €803 | ▲ 269% |
| Suppliers440/4 | €4k | €155 | €211 | €218 | €803 | ▲ 269% |
| Taxes, remuneration and social security45 | €5k | €2k | €4k | €3k | €3k | ▲ 11.2% |
| Taxes450/3 | €5k | €2k | €4k | €3k | €3k | ▲ 11.2% |
| Other amounts payable47/48 | €126k | €721 | €736 | €499 | €505 | ▲ 1.1% |
| Accrued charges and deferred income492/3 | €3k | €960 | €3k | €3k | €3k | ▲ 4.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €252k | €19k | €-9k | €-4k | ▲ 61.8% |
| + Depreciation and write-downs630 | €59k | €47k | €48k | €48k | €48k | = |
| Operating cash flow (approximation) | €71k | €300k | €67k | €39k | €44k | ▲ 15.0% |
| Investment in fixed assets (approximation) | - | €177k | €0 | €-1k | €-7k | ▼ 402% |
| Change in cash | - | €2k | €-124 | €4k | €-4k | ▼ 205% |
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €252k ▲1,946%
Operating result €336k, net result €252k, both a record.
31-12
Financial
Liquidity times 92current ratio 3.71
Current ratio from 0.04 to 3.71; short-term debt falls from €204k to €72k.
31-12
Financial
Equity above €500kEq €517k ▲95.3%
3 profitable years in a row build equity to €517k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
Show earlier events
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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 4 acts read
About the unread acts
We know of 4 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
4 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, Bierbeek · 1 establishment unit since 1996
Ground area
1,014 m²
Building footprint
153 m²
Volume, LiDAR
1,022 m³
Parcel 24713D0228/00Z002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ASSURAL BVBA
since 19962.074.621.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24713D0228/00Z002 | Flanders | 1,014 m² | 1 · 153 m² | 9.0 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845002DR88AC8BCBC04
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 4,523 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
Founded29-12-1995
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
Scores and ratios are computed by Checked and are not a credit decision.