Assurances MPD
ActiveSummary
Assurances MPD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (-€38,584) and a net result of €5,554. Equity is shrinking by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 7% of 3318 sector peers (fiscal year 2024). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 3318 sector peers (2024).
NBB · sector comparisonPosition among 3318 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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
not confirmed
2024
19 d late
2023
30 d late
2022
31 d late
2021
89 d late
2020
26 d late
2019
90 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 48 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
-€38,584▲ 12.6%
2023 · -€44,138
Net result
€5,554
2023 · -€9,461
Total assets
€505,859▲ 1.4%
2023 · €498,844
Solvency
-7.6%▲ 1.2pp
2023 · -8.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover
Operating result-€4,921-€27,416▼ 457%-€19,611▲ 28.5%-€346▲ 98.2%€9,596
Net result-€6,460below the sector's middle half-€35,262below the sector's middle half▼ 446%-€28,731below the sector's middle half▲ 18.5%-€9,461below the sector's middle half▲ 67.1%€5,554within the sector's middle half
Equity€29,316below the sector's middle half▼ 18.1%-€5,946below the sector's middle half-€34,677below the sector's middle half▼ 483%-€44,138below the sector's middle half▼ 27.3%-€38,584below the sector's middle half▲ 12.6%
Total assets€48,526below the sector's middle half▼ 3.0%€590,308within the sector's middle half▲ 1,116%€568,197within the sector's middle half▼ 3.7%€498,844within the sector's middle half▼ 12.2%€505,859within the sector's middle half▲ 1.4%
Debt€19,209▲ 34.6%€596,254▲ 3,004%€602,875▲ 1.1%€542,981▼ 9.9%€544,442▲ 0.3%
Working capital€14,830within the sector's middle half▼ 23.9%€650within the sector's middle half▼ 95.6%-€37,043below the sector's middle half-€41,342below the sector's middle half▼ 11.6%-€6,573below the sector's middle half▲ 84.1%
Solvency60.4%within the sector's middle half▼ 11.1pp-1.0%below the sector's middle half▼ 61.4pp-6.1%below the sector's middle half▼ 5.1pp-8.8%below the sector's middle half▼ 2.7pp-7.6%below the sector's middle half▲ 1.2pp
Current ratio1.77within the sector's middle half▼ 0.591.01within the sector's middle half▼ 0.760.57below the sector's middle half▼ 0.440.54below the sector's middle half▼ 0.030.95within the sector's middle half▲ 0.41
Return on assets (ROA)-13.3%below the sector's middle half▼ 21.1pp-6.0%below the sector's middle half▲ 7.3pp-5.1%below the sector's middle half▲ 0.9pp-1.9%below the sector's middle half▲ 3.2pp1.1%below the sector's middle half▲ 3.0pp
Staff (FTE)2.3within the sector's middle half▼ 8.0%2.9▲ 26.1%3▲ 3.4%2▼ 33.3%2=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €9,596 after a loss of €346 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €505,859
Fixed assets
€384,851 ▼ 14.4%
Current assets
€121,008 ▲ 147%
Key figures and ratios
Debt ≤ 1 year
€127,581▲
2023 · €90,432
Debt > 1 year
€410,984▼
2023 · €446,671
Income taxes
-€84▼
2023 · €417
Staff costs
€58,314▼
2023 · €60,906
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €85,997 | €97,488 | €60,906 | €58,314 | ▼ 4.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,812 | €61,710 | €63,898 | €68,991 | €70,243 | ▲ 1.8% |
| Other operating charges640/8 | - | €560 | €1,678 | €5,666 | €2,434 | ▼ 57.1% |
| Gross operating margin9900 | €60,818 | €120,851 | €143,453 | €135,218 | €140,586 | ▲ 4.0% |
| Operating profit (loss)9901 | -€4,921 | -€27,416 | -€19,611 | -€346 | €9,596 | ▲ 2,876% |
| Financial income75/76B | - | €0 | €42 | - | €9 | - |
| Recurring financial income75 | €24 | €0 | €42 | - | €9 | - |
| Financial charges65/66B | - | €7,791 | €8,997 | €8,698 | €4,135 | ▼ 52.5% |
| Recurring financial charges65 | €1,564 | €7,791 | €8,997 | €8,698 | €4,135 | ▼ 52.5% |
| Profit (loss) for the period before taxes9903 | -€6,460 | -€35,207 | -€28,566 | -€9,044 | €5,470 | ▲ 160% |
| Income taxes67/77 | - | €55 | €165 | €417 | -€84 | ▼ 120% |
| Profit (loss) for the period9904 | -€6,460 | -€35,262 | -€28,731 | -€9,461 | €5,554 | ▲ 159% |
| Profit (loss) for the period to be appropriated9905 | -€6,460 | -€35,262 | -€28,731 | -€9,461 | €5,554 | ▲ 159% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48,526 | €590,308 | €568,197 | €498,844 | €505,859 | ▲ 1.4% |
| Fixed assets21/28 | €14,487 | €542,006 | €518,744 | €449,753 | €384,851 | ▼ 14.4% |
| Intangible fixed assets21 | €10,094 | €530,856 | €477,562 | €418,470 | €359,377 | ▼ 14.1% |
| Tangible fixed assets22/27 | €704 | €7,461 | €37,494 | €27,595 | €21,785 | ▼ 21.1% |
| Plant, machinery and equipment23 | - | €2,586 | €2,300 | €2,012 | €4,481 | ▲ 123% |
| Furniture and vehicles24 | - | €4,875 | €35,194 | €25,583 | €17,304 | ▼ 32.4% |
| Financial fixed assets28 | €3,688 | €3,688 | €3,688 | €3,688 | €3,688 | = |
| Current assets29/58 | €34,039 | €48,302 | €49,453 | €49,090 | €121,008 | ▲ 147% |
| Amounts receivable within one year40/41 | €26,715 | €40,467 | €45,329 | €46,671 | €99,018 | ▲ 112% |
| Trade receivables40 | - | €24,761 | €31,814 | €33,522 | €37,260 | ▲ 11.2% |
| Other amounts receivable41 | - | €15,706 | €13,515 | €13,150 | €61,759 | ▲ 370% |
| Cash at bank and in hand54/58 | €6,828 | €5,990 | €2,680 | €1,042 | €20,708 | ▲ 1,887% |
| Deferred charges and accrued income490/1 | - | €1,845 | €1,444 | €1,376 | €1,281 | ▼ 6.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48,526 | €590,308 | €568,197 | €498,844 | €505,859 | ▲ 1.4% |
| Equity10/15 | €29,316 | -€5,946 | -€34,677 | -€44,138 | -€38,584 | ▲ 12.6% |
| Contributions10/11 | - | €49,579 | €49,579 | €49,579 | €49,579 | = |
| Reserves13 | €4,958 | €4,958 | €4,958 | €4,958 | €4,958 | = |
| Non-distributable reserves130/1 | - | €4,958 | €4,958 | €4,958 | €4,958 | = |
| Reserves not available under the articles1311 | - | €4,958 | €4,958 | €4,958 | €4,958 | = |
| Profit (loss) carried forward14 | -€25,220 | -€60,483 | -€89,214 | -€98,674 | -€93,120 | ▲ 5.6% |
| Amounts payable17/49 | €19,209 | €596,254 | €602,875 | €542,981 | €544,442 | ▲ 0.3% |
| Amounts payable after more than one year17 | - | €545,798 | €510,500 | €446,671 | €410,984 | ▼ 8.0% |
| Financial debts170/4 | - | €545,798 | €510,500 | €446,671 | €410,984 | ▼ 8.0% |
| Amounts payable within one year42/48 | €19,209 | €47,652 | €86,497 | €90,432 | €127,581 | ▲ 41.1% |
| Current portion of amounts payable after more than one year42 | - | €36,097 | €63,558 | €64,444 | €67,606 | ▲ 4.9% |
| Financial debts43 | - | - | €4,222 | €4,908 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | €4,222 | €4,908 | €0 | ▼ 100% |
| Trade debts44 | €6,944 | €9,224 | €8,817 | €9,876 | €4,943 | ▼ 49.9% |
| Suppliers440/4 | - | €9,224 | €8,817 | €9,876 | €4,943 | ▼ 49.9% |
| Taxes, remuneration and social security45 | - | €2,331 | €9,288 | €4,509 | €2,009 | ▼ 55.4% |
| Remuneration and social security454/9 | - | €2,331 | €9,288 | €4,509 | €2,009 | ▼ 55.4% |
| Other amounts payable47/48 | - | - | €612 | €6,695 | €53,023 | ▲ 692% |
| Accrued charges and deferred income492/3 | - | €2,804 | €5,878 | €5,878 | €5,878 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,460 | -€35,262 | -€28,731 | -€9,461 | €5,554 | ▲ 159% |
| + Depreciation and write-downs630 | €1,812 | €61,710 | €63,898 | €68,991 | €70,243 | ▲ 1.8% |
| Operating cash flow (approximation) | -€4,648 | €26,448 | €35,167 | €59,530 | €75,797 | ▲ 27.3% |
| Investment in fixed assets (approximation) | - | -€589,230 | -€40,636 | €0 | -€5,340 | - |
| Change in cash | - | -€838 | -€3,310 | -€1,638 | €19,666 | ▲ 1,301% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Back to profitnet €5,554
Net result €5,554 after 4 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 89 days late
2021
31-12
Financial
Weakest financial yearnet -€35,262
Net result drops to -€35,262, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €3,880
Net result €3,880 after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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, Neupré · 1 establishment unit since 1994
Ground area
2,065 m²
Building footprint
281 m²
Volume, LiDAR
1,591 m³
Parcel 61044B0111/00A000, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route du Condroz(N) 112, 4121 Neupré
since 19942.069.135.011
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61044B0111/00A000 | Wallonia | 2,065 m² | 1 · 281 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 1,854 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-04-1994
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0452479759
Also
9925:BE0452479759
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.