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ASSURANCES GHISLAIN

Active
Private limited companyfounded 1993active for 33 yearsAvenue Hélène-Solvay, Beuzet 3, 5030 Gembloux, BelgiumKBO/BCE: BE 0449.089.016
Summary

ASSURANCES GHISLAIN has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111,863 and a net result of €2,424. Equity is growing by about 21% per year across the filed financial years. The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
ASSURANCES GHISLAINActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
“La réalisation de toutes opérations en assurances en tant que courtages et agences générales…” (deed in French)
From the articles, 3 activitiesNo NACE code in the KBO yet1 site
Size
€124,066total assets 2025
Equity
€111,863
Profit
€2,424
Turnover not published (micro format)
Financial health
96 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
2025 accounts 3 days early1 of 6 deeds summarised
Why 96lowers riskSize: total assets €124,066Founded in 1993Liquidity: current ratio 6.22, cash €72,192Equity €111,863 (90.2% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 71% of its sector peers (no NACE code, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 90.2% of total assets
Liquidity 100=
short-term debt 9.8% · cash 58.2%
Profitability 71-1
return on assets 2.0%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: 0.1%▲ +0.1 percentage points vs 02-2025 04-2025: < 0.1%▼ -0.1 percentage points vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: 0.1%▲ +0.1 percentage points vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026highest value 08-2026: < 0.1%▼ -0.2 percentage points vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity ample (current ratio 6.22, compared with 12.21 in 2024, above the usual 1.5; short-term debt: 9.8% and cash: 58.2% of total assets), and 9.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 95% on liquidity, 51% on profitability and 55% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskneutral
lowers risk · Size: total assets €124,066
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1993
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Liquidity: current ratio 6.22, cash €72,192
NBB · annual accounts
lowers risk · Equity €111,863 (90.2% of total assets)
NBB · annual accounts
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
3 days early
2024
36 days late
2023
29 days late
2022
32 days late
2021
5 days late
2020
39 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 33 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
26-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Weakest financial yearnet €2,424 ▼26.3%
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: 8 profitable years in a rowprofit 2025: €2,424 8 years View
  • Active since 1993founded 05-01-1993 33 years View
  • One director decidessole director in office 1 View

By topic

Financials

Financial year
2025
Total assets
€124,066
Profit
€2,424
Solvency
90.2%
Total assets▲ 7.9%
Net result
20182025
Go to Financials

Timeline

Events
38
Since
1994
Next accounts
by 31-07-2027
  1. 31-12-2024Liquidity more than triples
  2. 29-08-2024Annual accounts filed
  3. 08-04-2024Appointment: GHISLAIN Laurent Albert Marcel (statutory director)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
05-01-1993
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
29
Who signs
Each director alone
Annual meeting
Last Friday of June at 10:00
Purpose
“La réalisation de toutes opérations en assurances en tant que courtages et agences…” (deed in French)
Go to Articles of association

Key facts about ASSURANCES GHISLAIN

What is the company number of ASSURANCES GHISLAIN?
0449.089.016. In Belgium the VAT number is the company number with BE in front: BE 0449.089.016.
Where is ASSURANCES GHISLAIN based?
The registered office is at Avenue Hélène-Solvay, Beuzet 3, 5030 Gembloux.Company details
What is the legal form of ASSURANCES GHISLAIN?
Private limited company (BV).
When was ASSURANCES GHISLAIN founded?
On 05-01-1993.
Is ASSURANCES GHISLAIN still active?
Yes, ASSURANCES GHISLAIN is an active enterprise in the KBO register.
What is the turnover of ASSURANCES GHISLAIN?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is ASSURANCES GHISLAIN profitable?
In financial year 2025, ASSURANCES GHISLAIN made a profit of €2,424.
Where can I find the annual accounts of ASSURANCES GHISLAIN?
ASSURANCES GHISLAIN filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ASSURANCES GHISLAIN due?
By 31-07-2027, for financial year 2026.Timeline

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