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Assurall

Active
Private limited companyfounded 196066 yrs activeEmile Van Ermengemlaan 13, 1020 Brussel, BelgiumKBO/BCE: BE 0403.247.410
Summary

Assurall has been active since 1960 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298,663 and a net result of €2,301. Equity is growing by ~2.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability13▼-71
Solvency100=
Growth37▼-5
Track record100
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 8.13 against 17.53 in 2024; short-term debt: 10.7% and cash: 28.5% of total assets), and 16.4% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 66 years 0 70 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
83.6%
Return on assets
0.6%
Age of the figures
9 mo
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
57 d early
2024
57 d early
2023
51 d early
2022
80 d early
2021
33 d early
2020
78 d early
2019
45 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 57 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 4 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Assurall was incorporated on 17 May 1960.1 Revenue grew from EUR 47,982 in 2018 to EUR 63,192 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, full schema

Turnover
€63,192▼ 19.0%
2024 · €78,000
EBIT margin
-33.5%▼ 50.5pp
2024 · 17.1%
Net result
€2,301▼ 86.8%
2024 · €17,455
Working capital
€272,950▼ 11.6%
2024 · €308,755
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover€72,000=€63,826▼ 11.4%€78,000▲ 22.2%€78,000=€63,192▼ 19.0%
Operating result€5,113-€4,844€7,030€13,305▲ 89.3%-€21,139
Net result€6,661€6,790▲ 1.9%€15,853▲ 133%€17,455▲ 10.1%€2,301▼ 86.8%
EBIT margin7.1%▲ 38.8pp-7.6%▼ 14.7pp9.0%▲ 16.6pp17.1%▲ 8.0pp-33.5%▼ 50.5pp
Equity€268,658▲ 2.5%€275,448▲ 2.5%€291,300▲ 5.8%€308,755▲ 6.0%€298,663▼ 3.3%
Total assets€301,001▼ 7.2%€302,347▲ 0.4%€312,603▲ 3.4%€327,429▲ 4.7%€357,255▲ 9.1%
Debt€32,343▼ 48.1%€26,899▼ 16.8%€21,303▼ 20.8%€18,674▼ 12.3%€58,592▲ 214%
Working capital€246,531▲ 9.9%€257,171▲ 4.3%€281,091▲ 9.3%€308,755▲ 9.8%€272,950▼ 11.6%
Staff (FTE)
Result per fiscal year
Operating resultNet result
-€30,000-€20,000-€10,000€0€10,000€20,000Operating result 2021: €5,113€5,113Net result 2021: €6,661€6,661Operating result 2022: -€4,844-€4,844Net result 2022: €6,790€6,790Operating result 2023: €7,030€7,030Net result 2023: €15,853€15,853Operating result 2024: €13,305€13,305Net result 2024: €17,455€17,455Operating result 2025: -€21,139-€21,139Net result 2025: €2,301€2,30120212022202320242025-€30,000-€20,000-€10,000€0€10,000€20,000Operating result 2023: €7,030€7,030Net result 2023: €15,853€15,900Operating result 2024: €13,305€13,300Net result 2024: €17,455€17,500Operating result 2025: -€21,139-€21,100Net result 2025: €2,301€2,300202320242025
The operating result turns negative in 2025: a loss of €21,139 after €13,305 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €357,255
Fixed assets €46,000
Current assets €311,255
Equity and liabilities €357,255
Equity €298,663 ▼ 3.3%
Debt €58,592 ▲ 214%
Debt's share of the balance-sheet total rises from 5.7% to 16.4%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€9,639▼
2024 · €23,514
Cash flow
€13,801▼
2024 · €27,664
Current ratio
8.13▼
2024 · 17.53
Debt to equity
0.20▲
2024 · 0.06
ROE
0.8%▼
2024 · 5.7%
ROA
0.6%▼
2024 · 5.3%
Interest coverage
-12.08▼
2024 · 55.72
Debt ≤ 1 year
€38,305▲
2024 · €18,674
Debt > 1 year
€20,287
Income taxes
€10,651▲
2024 · €7,928
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 17,039 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.5% went bankrupt
4.9% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.9%
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 17,039 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€327,429€357,255▲
Fixed assets21/28-€46,000
Tangible fixed assets22/27-€46,000
Furniture and vehicles24-€46,000
Current assets29/58€327,429€311,255▼
Amounts receivable after more than one year29€230,124€209,354▼
Other amounts receivable291€230,124€209,354▼
Cash at bank and in hand54/58€97,305€101,901▲
Equity and liabilities
Total equity and liabilities10/49€327,429€357,255▲
Equity10/15€308,755€298,663▼
Contributions10/11€6,200€6,200=
Capital10€6,200€6,200=
Issued capital100€6,200€6,200=
Reserves13€255,797€243,405▼
Tax-exempt reserves132€9,039€9,039=
Distributable reserves133€246,758€234,366▼
Profit (loss) carried forward14€46,758€49,058▲
Amounts payable17/49€18,674€58,592▲
Amounts payable after more than one year17-€20,287
Financial debts170/4-€20,287
Amounts payable within one year42/48€18,674€38,305▲
Current portion of amounts payable after more than one year42-€4,284
Taxes, remuneration and social security45€13,178€11,869▼
Taxes450/3€13,178€11,869▼
Other amounts payable47/48€5,496€22,152▲
Income statement Code20242025
Turnover70€78,000€63,192▼
Goods, raw materials, services and sundry goods60/61€53,366€68,192▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,209€11,500▲
Other operating charges640/8€1,120€4,639▲
Gross operating margin9900€24,634-€5,000▼
Operating profit (loss)9901€13,305-€21,139▼
Financial income75/76B€12,500€34,889▲
Recurring financial income75€12,500€34,889▲
Non-recurring financial income76B€12,500€34,889▲
Financial charges65/66B€422€798▲
Recurring financial charges65€422€798▲
Non-recurring financial charges66B€422€798▲
Profit (loss) for the period before taxes9903€25,383€12,952▼
Income taxes67/77€7,928€10,651▲
Profit (loss) for the period9904€17,455€2,301▼
Profit (loss) for the period to be appropriated9905€17,455€2,301▼
Appropriation of the result
Profit (loss) to be appropriated9906€46,758€49,058▲
Profit (loss) brought forward from the previous period14P€29,303€46,757▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Turnover70€72,000€63,826€78,000€78,000€63,192▼ 19.0%
Goods, raw materials, services and sundry goods60/61€52,509€57,345€59,552€53,366€68,192▲ 27.8%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13,208€10,208€10,208€10,209€11,500▲ 12.6%
Other operating charges640/8€1,170€1,117€1,210€1,120€4,639▲ 314%
Gross operating margin9900€19,491€6,481€18,448€24,634-€5,000▼ 120%
Operating profit (loss)9901€5,113-€4,844€7,030€13,305-€21,139▼ 259%
Financial income75/76B€2,857€12,000€12,000€12,500€34,889▲ 179%
Recurring financial income75€2,857€12,000€12,000€12,500€34,889▲ 179%
Non-recurring financial income76B€2,857€12,000€12,000€12,500€34,889▲ 179%
Financial charges65/66B€449€366€298€422€798▲ 89.1%
Recurring financial charges65€449€366€298€422€798▲ 89.1%
Non-recurring financial charges66B€449€366€298€422€798▲ 89.1%
Profit (loss) for the period before taxes9903€7,521€6,790€18,732€25,383€12,952▼ 49.0%
Income taxes67/77€860-€2,879€7,928€10,651▲ 34.3%
Profit (loss) for the period9904€6,661€6,790€15,853€17,455€2,301▼ 86.8%
Profit (loss) for the period to be appropriated9905€6,661€6,790€15,853€17,455€2,301▼ 86.8%
Line20212022202320242025Change
Assets
Total assets20/58€301,001€302,347€312,603€327,429€357,255▲ 9.1%
Fixed assets21/28€30,625€20,417€10,209-€46,000-
Tangible fixed assets22/27€30,625€20,417€10,209-€46,000-
Furniture and vehicles24€30,625€20,417€10,209-€46,000-
Current assets29/58€270,376€281,930€302,394€327,429€311,255▼ 4.9%
Amounts receivable after more than one year29€250,000€250,000€250,000€230,124€209,354▼ 9.0%
Other amounts receivable291€250,000€250,000€250,000€230,124€209,354▼ 9.0%
Cash at bank and in hand54/58€16,924€31,450€51,864€97,305€101,901▲ 4.7%
Deferred charges and accrued income490/1€3,452€480€530---
Equity and liabilities
Total equity and liabilities10/49€301,001€302,347€312,603€327,429€357,255▲ 9.1%
Equity10/15€268,658€275,448€291,300€308,755€298,663▼ 3.3%
Contributions10/11€18,592€18,592€6,200€6,200€6,200=
Capital10€18,592€18,592€6,200€6,200€6,200=
Issued capital100€18,592€18,592€6,200€6,200€6,200=
Outside capital11--€0---
Other1109/19--€0---
Reserves13€243,405€243,405€255,797€255,797€243,405▼ 4.8%
Non-distributable reserves130/1€1,859€1,859€0---
Legal reserve130€1,859€1,859€0---
Tax-exempt reserves132€9,039€9,039€9,039€9,039€9,039=
Distributable reserves133€232,507€232,507€246,758€246,758€234,366▼ 5.0%
Profit (loss) carried forward14€6,661€13,451€29,303€46,758€49,058▲ 4.9%
Amounts payable17/49€32,343€26,899€21,303€18,674€58,592▲ 214%
Amounts payable after more than one year17€8,498€2,140--€20,287-
Financial debts170/4€8,498€2,140--€20,287-
Amounts payable within one year42/48€23,845€24,759€21,303€18,674€38,305▲ 105%
Current portion of amounts payable after more than one year42€6,265€6,358€2,059-€4,284-
Taxes, remuneration and social security45€6,107€5,250€5,250€13,178€11,869▼ 9.9%
Taxes450/3€6,107€5,250€5,250€13,178€11,869▼ 9.9%
Other amounts payable47/48€11,473€13,151€13,994€5,496€22,152▲ 303%
Line20212022202320242025Change
Profit (loss) for the period9904€6,661€6,790€15,853€17,455€2,301▼ 86.8%
+ Depreciation and write-downs630€13,208€10,208€10,208€10,209€11,500▲ 12.6%
Operating cash flow (approximation)€19,869€16,998€26,061€27,664€13,801▼ 50.1%
Investment in fixed assets (approximation)-€0€0---
Change in cash-€14,526€20,414€45,441€4,596▼ 89.9%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
04-06
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
04-06
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
10-06
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
12-05
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
28-06
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial Back to profitnet €6,661
Net result €6,661 after 2 loss-making years.
31-12
Financial Liquidity doublescurrent ratio 11.34
Current ratio from 5.00 to 11.34; short-term debt falls from €56,117 to €23,845.
14-05
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
16-06
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial Weakest financial yearnet -€30,138
Net result drops to -€30,138, the lowest in the series; recovery starts the following year.
07-06
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
11-05
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 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
3 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, Brussel · 1 establishment unit since 1994
seat establishment approximate The establishment unit on the map
Ground area
1,995 m²
Building footprint
1,736 m²
Volume, LiDAR
26,249 m³
2 parcels, Brussels · tallest building 40.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ASSURALL BVBA
Peter Benoitplein 15 C, 1120 BrusselNACE 67201
since 19942.067.848.176
2 parcels
Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21819C0042/00A000 Brussels 1,644 m² 1 · 1,642 m² 40.8 m · 5 fl.
21816G0100/00R006 Brussels 351 m² 1 · 93 m² 13.7 m · 4 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded17-05-1960
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.