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ASSURANCES SERVICES ET CREDITS

Active Risk: not assessed
Public limited companyfounded 1991active for 35 yearsChaussée de Mons(S-V) 171, 7100 La Louvière, BelgiumKBO/BCE: BE 0443.484.295
Summary

ASSURANCES SERVICES ET CREDITS 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 €686,051 and a net result of €66,729. Equity has been growing by about 19% per year since 2018. Its solvency ranks better than 67% of 611 sector peers (NACE 66, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.

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Overview

Official details

Source: KBO
Status
Active since 20-02-1991 Normal situation
Activity
Insurance agents and brokers NACE 66220
Establishment unit
2.112.341.878 7100 La Louvière, since 27-11-2002
Financial year end
31 December
Peppol
Not found in the Peppol Directory
Company details

Board and ownership

Board
Shareholders
  • Angela RIZZOannual accounts 2016
  • Antonio CUSUMANOannual accounts 2016
  • Sonia CUSUMANOannual accounts 2016
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€66,729
▲ 84.5%
Equity
€686,051
▲ 1.5%
Total assets
€1.1m
▲ 2.4%
Staff
2.6 FTE
▼ 35.0%
  • 2025 accounts filed 31 days after the deadline
Filed on 31-08-2026
Financials
Signalsraises risk2025 accounts filed 31 days lateShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

1 signal.
raises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
28 days late
2023
26 days late
2022
28 days late
2021
25 days late
2020
26 days late
2019
90 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 36 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed 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 28 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Turnover fell in 2025from €741,847 to €438,496 ▼ 40.9% View
  • Positive: 7th oldest company in La Louvière, Finance and insurance sectorin the Checked rankings No. 7 View

Recent changes

  1. · Gazette deed Registered office moved within La LouvièreReappointments: RIZZO Angela, CUSUMANO Sonia and CUSUMANO Antonio
  2. · Gazette deed Incorporation
All 19 events

Comparable companies

These companies have the same main activity as ASSURANCES SERVICES ET CREDITS: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €811,000 and €1.3m, founded between 1987 and 1999.

CompanyTotal assetsGross margin
ASSURANCES SERVICES ET CREDITS La Louvière€1.1m€0.2m
ASSURANCES DIROSA Colfontaine€0.8m€0.2m
SOLVAS FINANCE Lievegem€1.3m€0.2m
De STAERCKE & Associés Anderlecht€1.0m€0.3m
Keirse, De Ridder & Partners Damme€1.2m€0.2m
SALVATORE IMBORNONE-MAES Maasmechelen€1.0m€0.3m
2BESURE Zedelgem€0.8m€0.3m
Full comparison

Key facts about ASSURANCES SERVICES ET CREDITS
What is the company number of ASSURANCES SERVICES ET CREDITS?
The company number of ASSURANCES SERVICES ET CREDITS is 0443.484.295. The VAT number is the same number with BE in front: BE 0443.484.295.
Where is ASSURANCES SERVICES ET CREDITS based?
The registered office is at Chaussée de Mons(S-V) 171, 7100 La Louvière.Company details
What does ASSURANCES SERVICES ET CREDITS do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of ASSURANCES SERVICES ET CREDITS?
The legal form of ASSURANCES SERVICES ET CREDITS is Public limited company (NV).
When was ASSURANCES SERVICES ET CREDITS founded?
ASSURANCES SERVICES ET CREDITS was founded on 20-02-1991.
Is ASSURANCES SERVICES ET CREDITS still active?
Yes, ASSURANCES SERVICES ET CREDITS is an active enterprise in the KBO register.
How many employees does ASSURANCES SERVICES ET CREDITS have?
ASSURANCES SERVICES ET CREDITS had an average of 2.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of ASSURANCES SERVICES ET CREDITS?
The turnover of ASSURANCES SERVICES ET CREDITS was €438,496 in financial year 2025, according to the filed annual accounts.
Is ASSURANCES SERVICES ET CREDITS profitable?
In financial year 2025, ASSURANCES SERVICES ET CREDITS made a profit of €66,729.
Where can I find the annual accounts of ASSURANCES SERVICES ET CREDITS?
ASSURANCES SERVICES ET CREDITS filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ASSURANCES SERVICES ET CREDITS due?
ASSURANCES SERVICES ET CREDITS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check

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