ASSURANCES LEFEBVRE 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 €604k and a net result of €175k. Equity is growing by ~31.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 1463 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
29 d early
2023
30 d early
2022
14 d early
2021
33 d early
2020
29 d early
2019
29 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€604k▲ 25.5%
2024 · €481k
2018: €88k
2019: €121k
2020: €158k
2021: €211k
2022: €262k
2023: €364k
2024: €481k
2018 → 2025
Net result
€175k▲ 49.1%
2024 · €117k
2018: €51k
2019: €69k
2020: €79k
2021: €81k
2022: €80k
2023: €102k
2024: €117k
2018 → 2025
Total assets
€716k▲ 26.4%
2024 · €567k
2018: €224k
2019: €224k
2020: €294k
2021: €305k
2022: €346k
2023: €413k
2024: €567k
2018 → 2025
Solvency
84.3%▼ 0.6pp
2024 · 84.9%
2018: 39.3%
2019: 54.2%
2020: 53.7%
2021: 69.1%
2022: 75.8%
2023: 88.1%
2024: 84.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€211k-€262k▲ 24.7%€364k▲ 38.7%€481k▲ 32.2%€604k▲ 25.5%
Operating result€110k-€109k▼ 0.8%€145k▲ 32.6%€168k▲ 16.2%€251k▲ 49.3%
Net result€81k-€80k▼ 0.7%€102k▲ 26.3%€117k▲ 15.3%€175k▲ 49.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €716k
Fixed assets
€79k▼ 31.4%
Current assets
€637k▲ 41.2%
Equity and liabilities €716k
Equity
€604k▲ 25.5%
Debt
€112k▲ 31.5%
The debt ratio rises from 15.1% to 15.7%. Equity and debt are higher.
Key figures and ratios
Solvency
84.3%▼
2024 · 84.9%
ROE
28.9%▲
2024 · 24.3%
ROA
24.4%▲
2024 · 20.7%
Debt
€112k▲
2024 · €85k
Debt ≤ 1 year
€92k▲
2024 · €47k
Debt > 1 year
€21k▼
2024 · €38k
Income taxes
€77k▲
2024 · €50k
Staff costs
€78k▼
2024 · €79k
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€567k€716k▲
Fixed assets21/28€116k€79k▼
Tangible fixed assets22/27€115k€79k▼
Plant, machinery and equipment23€50k€35k▼
Furniture and vehicles24€65k€44k▼
Financial fixed assets28€48€48=
Current assets29/58€451k€637k▲
Amounts receivable within one year40/41€37k€4k▼
Trade receivables40-€1k
Other amounts receivable41€37k€3k▼
Cash at bank and in hand54/58€414k€633k▲
Equity and liabilities
Total equity and liabilities10/49€567k€716k▲
Equity10/15€481k€604k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€386k€509k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€1k€1k=
Distributable reserves133€378k€501k▲
Profit (loss) carried forward14€33k€33k=
Amounts payable17/49€85k€112k▲
Amounts payable after more than one year17€38k€21k▼
Financial debts170/4€38k€21k▼
Amounts payable within one year42/48€47k€92k▲
Current portion of amounts payable after more than one year42€27k€18k▼
Taxes, remuneration and social security45€13k€16k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48€7k€58k▲
Income statement
Code20242025
Remuneration, social security and pensions62€79k€78k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€36k▼
Other operating charges640/8€1k€859▼
Gross operating margin9900€286k€367k▲
Operating profit (loss)9901€168k€251k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€167k€252k▲
Income taxes67/77€50k€77k▲
Profit (loss) for the period9904€117k€175k▲
Profit (loss) for the period to be appropriated9905€117k€175k▲
Appropriation of the result
Profit (loss) to be appropriated9906€150k€208k▲
Profit (loss) brought forward from the previous period14P€33k€33k=
Transfer from equity791/2-€52k
Transfer to equity691/2€117k€175k▲
To other reserves6921€117k€175k▲
Profit to be distributed694/7-€52k
Return on contributions (dividend)694-€52k
The notes to these accounts (5 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €175k ▲49.1%
Operating result €251k, net result €175k, both a record.
31-12
Financial
Equity above €500kEq €604k ▲25.5%
8 profitable years in a row build equity to €604k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 16.50
Current ratio from 4.45 to 16.50; short-term debt falls from €55k to €20k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €211k ▲33.3%
4 profitable years in a row build equity to €211k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €158k ▲30.1%
3 profitable years in a row build equity to €158k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €121k ▲37.5%
2 profitable years in a row build equity to €121k.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-06
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.
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, Mouscron · 1 establishment unit since 1990
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.
Luingneplein(L) 37700 MouscronGround area
2,781 m²
Building footprint
268 m²
Parcel 54006M0183/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ASSURANCES LEFEBVRE
since 19902.049.027.901
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54006M0183/00B000 | Wallonia | 2,781 m² | 1 · 268 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
QUALITASS
BE 0430.175.402
Grimbergen · Eq €604k
DANIEL RENARD FINANCE & Cie
BE 0863.694.037
Aywaille · Eq €604k
WILLAERT - BEUSELINCK
BE 0442.863.891
Koekelare · Eq €603k
MARON INSURANCE GROUP
BE 0844.588.106
Verviers · Eq €605k
Fraiture Ventures
BE 0793.927.281
Andenne · Eq €603k
Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-06-1990
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.