Equity
€159,605 ▲ 9.8%
ASSURANCES J. LEFEBVRE has made a profit in every financial year since 2007.
ASSURANCES J. LEFEBVRE
Lifetime
19 annual accounts with figures on one time axispeak €45,336 (2013)
€20,105▼ 44.2%
peak €34,060 (2023)
€14,266▼ 46.7%
peak €159,605 (2025)
€159,605▲ 9.8%
€14,930▲ 34.0%
Board2 names since 2007
1 directorJM ASSUR
Owners
Documentsfilings and deeds
08-06-202653 days before the deadline
2025financial year
Gross margin from €36,022 to €20,105Result from €26,782 to €14,266Registered office moved from Theux to Hotton 15-01Debts from €11,143 to €14,930Cash from €138,085 to €6,008
Key points
from the 2025 annual accountsChecked score
67
Healthy
Financially stronger than 65% of micro companies without a NACE code
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.6%▲ +0.1 percentage points vs 12-2024
02-2025: 1.6%▲ +1.0 percentage point vs 01-2025
03-2025: 1.6%● unchanged vs 02-2025
04-2025: 1.7%▲ +0.1 percentage points vs 03-2025
05-2025: 1.9%▲ +0.2 percentage points vs 04-2025
06-2025: 2.2%▲ +0.3 percentage points vs 05-2025
07-2025: 2.4%▲ +0.2 percentage points vs 06-2025
08-2025: 3.2%▲ +0.8 percentage points vs 07-2025highest value
09-2025: 0.2%▼ -3.0 percentage points vs 08-2025lowest value
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.4%▲ +0.1 percentage points vs 05-2026
07-2026: 1.1%▲ +0.7 percentage points vs 06-2026
08-2026: 1.1%● unchanged vs 07-2026
09-2026: 1.1%● unchanged vs 08-2026
10-2026: 1.1%● unchanged vs 09-2026
11-2026: 1.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
No main activity registered
lowers risk
Size: total assets €174,535
Figures for financial year 2025 (filed on 08-06-2026)
Calculation
The band follows from the bankruptcy probability. 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). It does better than 81% of them on solvency, 50% on liquidity, 62% on profitability and 67% on growth.
The bankruptcy probability was computed on 05-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as ASSURANCES J. LEFEBVRE has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of ASSURANCES J. LEFEBVRE itself is higher: 1.1% within 12 months. It rests on far more data about ASSURANCES J. LEFEBVRE than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for ASSURANCES J. LEFEBVRE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 15.27 (14.02 in 2024), above the usual 1.5. Short-term debt is 6.5% and cash 3.4% of total assets. 8.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 days early
2024
28 days late
2023
43 days early
2022
24 days early
2021
12 days early
2020
24 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 7 days before the deadline. The Belgian median for financial year 2024 was 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 7 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Theux to Hotton
New registered office: Rue de la Scierie 16, 6990 HOTTON · Previous registered office: Rue Boverie 20, 4910 THEUX · Resignation: Jean LEFEBVRE (director) · General meeting of 24-12-2024 · Gazette deed
Reappointment: Jean LEFEBVRE (director)
Legal-form conversion: to private limited company · General meeting of 30-11-2023 · Gazette deed
Incorporation
published on 09-05-2007 · Gazette deed
First establishment
Rue Boverie (Jehanster) 20, Theux
Official details
Source: KBO- Status
- Active since 30-04-2007Normal situation
- Activity
- “En qualité de bureau de courtage d'assurances et de réassurances,la recherche,la négociation,la gestion de…” (deed in French)From the articles, 4 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.164.068.4164910 Theux, since 30-04-2007
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €174,535▲ 11.5%
- Filing
- Filed on 08-06-2026, 53 days before the end of the filing period
Insights on ASSURANCES J. LEFEBVRE
ASSURANCES J. LEFEBVRE has existed since 2007. The gross margin fell from €38,773 in 2007 to €20,105 in 2025.
JM ASSUR holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about ASSURANCES J. LEFEBVRE
- What is the company number of ASSURANCES J. LEFEBVRE?
- The company number of ASSURANCES J. LEFEBVRE is 0889.112.985. The VAT number is the same number with BE in front: BE 0889.112.985.
- Where is ASSURANCES J. LEFEBVRE based?
- The registered office is at Rue de la Scierie 16, 6990 Hotton.Company details
- What is the legal form of ASSURANCES J. LEFEBVRE?
- ASSURANCES J. LEFEBVRE is a private limited company (BV).
- When was ASSURANCES J. LEFEBVRE founded?
- ASSURANCES J. LEFEBVRE was founded on 30-04-2007.
- Is ASSURANCES J. LEFEBVRE still active?
- Yes, ASSURANCES J. LEFEBVRE is an active enterprise in the KBO register.
- What is the turnover of ASSURANCES J. LEFEBVRE?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €20,105 and 2,720 comparable companies of the same size. It probably lies between €57,000 and €340,000. It is a rough estimate.Financials
- Is ASSURANCES J. LEFEBVRE profitable?
- In financial year 2025, ASSURANCES J. LEFEBVRE made a profit of €14,266.
- Where can I find the annual accounts of ASSURANCES J. LEFEBVRE?
- ASSURANCES J. LEFEBVRE filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ASSURANCES J. LEFEBVRE due?
- ASSURANCES J. LEFEBVRE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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