Assurantia 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 €284k and a net result of €26k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 30% of 2389 sector peers (fiscal year 2025). The company has been active since 1984 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 · Filed after the deadline
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. 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
31 d late
2024
28 d late
2023
26 d late
2022
60 d late
2021
31 d late
2020
1 d early
2019
7 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€284k▲ 9.9%
2024 · €258k
2018: €243k
2019: €191k
2020: €190k
2021: €214k
2022: €202k
2023: €202k
2024: €258k
2018 → 2025
Net result
€26k▼ 54.2%
2024 · €56k
2018: €-43k
2019: €-52k
2020: €156
2021: €24k
2022: €-12k
2023: €351
2024: €56k
2018 → 2025
Total assets
€754k▲ 6.4%
2024 · €708k
2018: €1.46M
2019: €1.54M
2020: €1.52M
2021: €1.35M
2022: €1.31M
2023: €1.41M
2024: €708k
2018 → 2025
Solvency
37.6%▲ 1.2pp
2024 · 36.4%
2018: 16.6%
2019: 12.4%
2020: 12.5%
2021: 15.9%
2022: 15.4%
2023: 14.3%
2024: 36.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€990k-
Equity€214k-€202k▼ 5.5%€202k▲ 0.2%€258k▲ 27.6%€284k▲ 9.9%
Operating result€38k-€-11k€-227▲ 98.0%€56k€26k▼ 54.5%
Net result€24k-€-12k€351€56k▲ 15,809%€26k▼ 54.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €754k
Fixed assets
€1k▼ 71.5%
Current assets
€752k▲ 6.9%
Equity and liabilities €754k
Equity
€284k▲ 9.9%
Debt
€470k▲ 4.4%
The debt ratio falls from 63.6% to 62.4%. Equity and debt are higher.
Key figures and ratios
Solvency
37.6%▲
2024 · 36.4%
ROE
9.0%▼
2024 · 21.6%
ROA
3.4%▼
2024 · 7.9%
Debt
€470k▲
2024 · €450k
Debt ≤ 1 year
€420k▲
2024 · €365k
Income taxes
€14k▼
2024 · €21k
Staff costs
€300k▲
2024 · €290k
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€708k€754k▲
Fixed assets21/28€4k€1k▼
Tangible fixed assets22/27€4k€1k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€458€0▼
Other tangible fixed assets26€1k€0▼
Financial fixed assets28€0-
Current assets29/58€704k€752k▲
Amounts receivable within one year40/41€680k€726k▲
Trade receivables40€151k€126k▼
Other amounts receivable41€529k€600k▲
Cash at bank and in hand54/58€18k€26k▲
Deferred charges and accrued income490/1€6k€0▼
Equity and liabilities
Total equity and liabilities10/49€708k€754k▲
Equity10/15€258k€284k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€192k€222k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€56k€56k=
Distributable reserves133€130k€159k▲
Profit (loss) carried forward14€4k€0▼
Amounts payable17/49€450k€470k▲
Amounts payable within one year42/48€365k€420k▲
Trade debts44€293k€269k▼
Suppliers440/4€293k€269k▼
Bills of exchange payable441€0-
Taxes, remuneration and social security45€40k€119k▲
Taxes450/3€13k€21k▲
Remuneration and social security454/9€27k€98k▲
Other amounts payable47/48€32k€31k▼
Accrued charges and deferred income492/3€85k€50k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€4k▲
Remuneration, social security and pensions62€290k€300k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€435€649▲
Gross operating margin9900€352k€330k▼
Operating profit (loss)9901€56k€26k▼
Financial income75/76B€21k€14k▼
Recurring financial income75€2k€14k▲
Non-recurring financial income76B€19k€0▼
Financial charges65/66B€-2€174▲
Recurring financial charges65€-2€174▲
Profit (loss) for the period before taxes9903€77k€40k▼
Income taxes67/77€21k€14k▼
Profit (loss) for the period9904€56k€26k▼
Profit (loss) for the period to be appropriated9905€56k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€29k▼
Profit (loss) brought forward from the previous period14P-€4k
Transfer to equity691/2€52k€29k▼
To other reserves6921€52k€29k▼
Social balance
Average headcount (FTE)90875.14.8▼
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €56k ▲15809%
Operating result €56k, net result €56k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Back to profitnet €351
Net result €351 after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Equity above €200kEq €214k ▲12.4%
2 profitable years in a row build equity to €214k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €156
Net result €156 after 2 loss-making years.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 7 days late
2019
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
11-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 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, Lebbeke · 2 establishment units since 1984
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.
Baasrodestraat 1499280 LebbekeGround area
2,696 m²
Building footprint
427 m²
Volume, LiDAR
2,135 m³
2 parcels, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Assurantia Vermeir
since 19842.025.319.022
Assurantia Vandenbranden
since 20102.194.232.644
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42011B0826/00F000 | Flanders | 2,030 m² | 1 · 371 m² | 10.3 m · 1 fl. |
| 46445D1858/00F002 | Flanders | 666 m² | 1 · 56 m² | 7.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 9,046 EUR awarded · 9,046 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 9,000 EUR | 9,000 EUR |
| 2022 | 1 | 46 EUR | 46 EUR |
Schemes
Werkbaarheidscheque (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 807 companies in sector 64999 we hold annual accounts for 484. 313 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-09-1984
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.