ASSURANCES ET SERVICES
ActiveASSURANCES ET SERVICES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €158k and a net result of €20k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 59% of 2413 sector peers (fiscal year 2025). The company has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
23 d early
2023
43 d late
2022
36 d late
2021
23 d early
2020
31 d late
2019
70 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€158k▲ 14.6%
2024 · €138k
2018: €20k
2019: €44k
2020: €60k
2021: €84k
2022: €100k
2023: €125k
2024: €138k
2018 → 2025
Net result
€20k▲ 1.4%
2024 · €20k
2018: €-10k
2019: €24k
2020: €16k
2021: €24k
2022: €16k
2023: €25k
2024: €20k
2018 → 2025
Total assets
€264k▼ 1.4%
2024 · €268k
2018: €285k
2019: €289k
2020: €279k
2021: €278k
2022: €278k
2023: €276k
2024: €268k
2018 → 2025
Solvency
59.7%▲ 8.4pp
2024 · 51.3%
2018: 7.1%
2019: 15.3%
2020: 21.4%
2021: 30.1%
2022: 36.0%
2023: 45.4%
2024: 51.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€100k▲ 19.7%€125k▲ 24.9%€138k▲ 10.1%€158k▲ 14.6%
Operating result€35k-€30k▼ 13.8%€37k▲ 22.9%€35k▼ 5.1%€31k▼ 11.6%
Net result€24k-€16k▼ 30.8%€25k▲ 51.5%€20k▼ 20.6%€20k▲ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €264k
Fixed assets
€242k▼ 0.9%
Current assets
€23k▼ 7.1%
Equity and liabilities €264k
Equity
€158k▲ 14.6%
Debt
€107k▼ 18.3%
The debt ratio falls from 48.7% to 40.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
59.7%▲
2024 · 51.3%
ROE
12.7%▼
2024 · 14.4%
ROA
7.6%▲
2024 · 7.4%
Debt
€107k▼
2024 · €131k
Debt ≤ 1 year
€45k▼
2024 · €51k
Debt > 1 year
€62k▼
2024 · €79k
Income taxes
€10k▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€268k€264k▼
Fixed assets21/28€244k€242k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€1k€33▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€240k€240k=
Current assets29/58€25k€23k▼
Amounts receivable within one year40/41€24k€22k▼
Trade receivables40€8k€8k=
Other amounts receivable41€16k€13k▼
Cash at bank and in hand54/58€112€626▲
Deferred charges and accrued income490/1€520€470▼
Equity and liabilities
Total equity and liabilities10/49€268k€264k▼
Equity10/15€138k€158k▲
Contributions10/11€19k€19k=
Reserves13€119k€139k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€117k€137k▲
Amounts payable17/49€131k€107k▼
Amounts payable after more than one year17€79k€62k▼
Financial debts170/4€79k€62k▼
Amounts payable within one year42/48€51k€45k▼
Current portion of amounts payable after more than one year42€34k€31k▼
Financial debts43€4k€2k▼
Credit institutions430/8€4k€2k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€11k€9k▼
Accrued charges and deferred income492/3€726-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€40k€35k▼
Operating profit (loss)9901€35k€31k▼
Financial income75/76B€742€475▼
Recurring financial income75€742€475▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€33k€30k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€20k€20k▲
Profit (loss) for the period to be appropriated9905€20k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€20k▲
Transfer from equity791/2€7k-
Transfer to equity691/2€20k€20k▲
To other reserves6921€20k€20k▲
Profit to be distributed694/7€7k-
Return on contributions (dividend)694€7k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €150kEq €158k ▲14.6%
7 profitable years in a row build equity to €158k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 43 days late
2023
31-12
Financial
Highest result since 2018net €25k ▲51.5%
Operating result €37k, net result €25k, both a record.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
31-12
Financial
Equity above €100kEq €100k ▲19.7%
4 profitable years in a row build equity to €100k.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
11-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mons · 1 establishment unit since 1984
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Avenue Champ de Bataille 2517012 Mons1 establishment unit
Avenue Champ de Bataille 251, 7012 Mons
since 19842.025.810.554
Similar companies · same sector, comparable size
BASSEZ & PARTNERS
BE 0472.225.001
Zulte · Eq €158k
ASSASSUR
BE 0430.276.756
Asse · Eq €158k
A.C.T.A. - Terrasi
BE 0427.720.510
Waterloo · Eq €158k
ZAKENKANTOOR VANDENBERGHE INS
BE 0457.305.510
Izegem · Eq €157k
GHESQUIERE BAVO & C°, VERZEKERINGEN
BE 0418.157.991
Wervik · Eq €157k
Of 4,670 companies in sector 66220 we hold annual accounts for 3,216. 2,817 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-1984
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:leleuph@gmail.com