Summary
ASSURAPP 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 €830,677 and a net result of €243,794. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 493 sector peers (fiscal year 2025). The company has been active since 2015 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
1 signal. 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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
8 d early
2023
26 d early
2022
11 d early
2021
6 d early
2020
15 d early
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before 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 (2)
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. Usually files around 20 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Equity
€830,677▲ 41.5%
2024 · €586,883
Net result
€243,794▲ 2.6%
2024 · €237,606
Total assets
€2.6m▲ 8.3%
2024 · €2.4m
Solvency
32.3%▲ 7.6pp
2024 · 24.7%
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
Line20212022202320242025
Operating result€87,764▲ 1,534%€123,613▲ 40.8%€129,473▲ 4.7%€265,813▲ 105%€327,330▲ 23.1%
Net result€59,432within the sector's middle half€47,983within the sector's middle half▼ 19.3%€58,154within the sector's middle half▲ 21.2%€237,606within the sector's middle half▲ 309%€243,794within the sector's middle half▲ 2.6%
Equity€243,140within the sector's middle half▲ 32.4%€291,123within the sector's middle half▲ 19.7%€349,277within the sector's middle half▲ 20.0%€586,883within the sector's middle half▲ 68.0%€830,677within the sector's middle half▲ 41.5%
Total assets€2.7mabove the sector's middle half▼ 25.8%€2.4mabove the sector's middle half▼ 11.4%€2.6mabove the sector's middle half▲ 6.5%€2.4mabove the sector's middle half▼ 6.9%€2.6mwithin the sector's middle half▲ 8.3%
Debt€2.5m▼ 28.9%€2.1m▼ 14.5%€2.2m▲ 4.6%€1.8m▼ 18.8%€1.7m▼ 2.6%
Working capital-€562,904below the sector's middle half▲ 35.0%-€285,602below the sector's middle half▲ 49.3%€402within the sector's middle half€498,198above the sector's middle half▲ 123,882%€709,322within the sector's middle half▲ 42.4%
Solvency9.0%below the sector's middle half▲ 3.9pp12.1%below the sector's middle half▲ 3.2pp13.7%below the sector's middle half▲ 1.5pp24.7%within the sector's middle half▲ 11.0pp32.3%within the sector's middle half▲ 7.6pp
Current ratio0.44below the sector's middle half▼ 0.060.70below the sector's middle half▲ 0.251.00within the sector's middle half▲ 0.311.43within the sector's middle half▲ 0.431.50within the sector's middle half▲ 0.07
Return on assets (ROA)2.2%below the sector's middle half▲ 2.5pp2.0%within the sector's middle half▼ 0.2pp2.3%within the sector's middle half▲ 0.3pp10.0%within the sector's middle half▲ 7.7pp9.5%within the sector's middle half▼ 0.5pp
Staff (FTE)4.8within the sector's middle half4.8within the sector's middle half=6within the sector's middle half▲ 25.0%5.9within the sector's middle half▼ 1.7%
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.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.6m
Fixed assets
€432,123 ▼ 39.9%
Current assets
€2.1m ▲ 29.1%
Equity and liabilities €2.6m
Equity
€830,677 ▲ 41.5%
Debt
€1.7m ▼ 2.6%
Debt's share of the balance-sheet total falls from 75.3% to 67.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
29.3%▼
2024 · 40.5%
Debt ≤ 1 year
€1.4m▲
2024 · €1.2m
Debt > 1 year
€298,630▼
2024 · €592,847
Income taxes
€86,289▲
2024 · €25,061
Staff costs
€329,969▼
2024 · €359,617
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €335,045 | €322,862 | €359,617 | €329,969 | ▼ 8.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €514,541 | €514,541 | €514,541 | €514,541 | €286,541 | ▼ 44.3% |
| Other operating charges640/8 | €690 | €223 | €988 | €142 | €128 | ▼ 10.0% |
| Gross operating margin9900 | €602,994 | €973,422 | €967,864 | €1.1m | €943,968 | ▼ 17.2% |
| Operating profit (loss)9901 | €87,764 | €123,613 | €129,473 | €265,813 | €327,330 | ▲ 23.1% |
| Financial income75/76B | - | - | - | €15,059 | €17,341 | ▲ 15.2% |
| Recurring financial income75 | - | - | - | €15,059 | €17,341 | ▲ 15.2% |
| Financial charges65/66B | €28,332 | €25,630 | €21,318 | €18,205 | €14,589 | ▼ 19.9% |
| Recurring financial charges65 | €28,332 | €25,630 | €21,318 | €18,205 | €14,589 | ▼ 19.9% |
| Profit (loss) for the period before taxes9903 | €59,432 | €97,983 | €108,154 | €262,667 | €330,082 | ▲ 25.7% |
| Income taxes67/77 | - | €50,000 | €50,000 | €25,061 | €86,289 | ▲ 244% |
| Profit (loss) for the period9904 | €59,432 | €47,983 | €58,154 | €237,606 | €243,794 | ▲ 2.6% |
| Profit (loss) for the period to be appropriated9905 | €59,432 | €47,983 | €58,154 | €237,606 | €243,794 | ▲ 2.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.7m | €2.4m | €2.6m | €2.4m | €2.6m | ▲ 8.3% |
| Fixed assets21/28 | €2.3m | €1.7m | €1.2m | €718,664 | €432,123 | ▼ 39.9% |
| Intangible fixed assets21 | €2.3m | €1.7m | €1.2m | €718,664 | €432,123 | ▼ 39.9% |
| Current assets29/58 | €445,822 | €651,236 | €1.3m | €1.7m | €2.1m | ▲ 29.1% |
| Amounts receivable within one year40/41 | - | - | €120,087 | €25,499 | €16,196 | ▼ 36.5% |
| Other amounts receivable41 | - | - | €120,087 | €25,499 | €16,196 | ▼ 36.5% |
| Current investments50/53 | - | - | - | - | €1.5m | - |
| Cash at bank and in hand54/58 | €445,822 | €648,052 | €1.2m | €1.6m | €624,916 | ▼ 61.7% |
| Deferred charges and accrued income490/1 | - | €3,184 | €3,200 | €128 | €686 | ▲ 438% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.7m | €2.4m | €2.6m | €2.4m | €2.6m | ▲ 8.3% |
| Equity10/15 | €243,140 | €291,123 | €349,277 | €586,883 | €830,677 | ▲ 41.5% |
| Contributions10/11 | €350,000 | €350,000 | €350,000 | €350,000 | €350,000 | = |
| Capital10 | €350,000 | €350,000 | €350,000 | €350,000 | €350,000 | = |
| Issued capital100 | €350,000 | €350,000 | €350,000 | €350,000 | €350,000 | = |
| Reserves13 | - | €2,399 | €5,307 | €16,884 | €29,074 | ▲ 72.2% |
| Non-distributable reserves130/1 | - | €2,399 | €5,307 | €16,884 | €29,074 | ▲ 72.2% |
| Legal reserve130 | - | €2,399 | €5,307 | €16,884 | €29,074 | ▲ 72.2% |
| Profit (loss) carried forward14 | -€106,860 | -€61,276 | -€6,030 | €219,999 | €451,603 | ▲ 105% |
| Amounts payable17/49 | €2.5m | €2.1m | €2.2m | €1.8m | €1.7m | ▼ 2.6% |
| Amounts payable after more than one year17 | €1.4m | €1.2m | €882,718 | €592,847 | €298,630 | ▼ 49.6% |
| Financial debts170/4 | €1.4m | €1.2m | €882,718 | €592,847 | €298,630 | ▼ 49.6% |
| Amounts payable within one year42/48 | €1.0m | €936,839 | €1.3m | €1.2m | €1.4m | ▲ 23.5% |
| Current portion of amounts payable after more than one year42 | €277,211 | €281,368 | €285,588 | €289,871 | €294,218 | ▲ 1.5% |
| Trade debts44 | €122,830 | €159,968 | €182,259 | €196,640 | €113,211 | ▼ 42.4% |
| Suppliers440/4 | €122,830 | €159,968 | €182,259 | €196,640 | €113,211 | ▼ 42.4% |
| Taxes, remuneration and social security45 | - | €32,728 | €28,882 | €38,672 | €46,275 | ▲ 19.7% |
| Taxes450/3 | - | - | - | - | €10,934 | - |
| Remuneration and social security454/9 | - | €32,728 | €28,882 | €38,672 | €35,341 | ▼ 8.6% |
| Other amounts payable47/48 | €608,685 | €462,774 | €824,037 | €635,095 | €978,773 | ▲ 54.1% |
| Accrued charges and deferred income492/3 | €6,570 | €2,716 | €1,612 | €37,132 | €12,139 | ▼ 67.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €59,432 | €47,983 | €58,154 | €237,606 | €243,794 | ▲ 2.6% |
| + Depreciation and write-downs630 | €514,541 | €514,541 | €514,541 | €514,541 | €286,541 | ▼ 44.3% |
| Operating cash flow (approximation) | €573,973 | €562,524 | €572,695 | €752,147 | €530,335 | ▼ 29.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €202,230 | €549,829 | €434,969 | -€1.0m | ▼ 332% |
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
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2019net €243,794 ▲2.6%
Operating result €327,330, net result €243,794, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500,000Eq €586,883 ▲68%
4 profitable years in a row build equity to €586,883.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €59,432
Net result €59,432 after 2 loss-making years.
31-12
Financial
Equity above €200,000Eq €243,140 ▲32.4%
Equity rises from €183,708 to €243,140.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150,000Eq €183,708
Equity rises from -€6,825 to €183,708.
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Kortrijk · 1 establishment unit since 2015
Ground area
818 m²
Building footprint
1,824 m²
Volume, LiDAR
25,728 m³
Parcel 34352F0358/00W002, Flanders · tallest building 23.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ASSURAPP
since 20152.238.850.763
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352F0358/00W002 | Flanders | 818 m² | 1 · 1,824 m² | 22.9 m · 5 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.
Structure & network
Owners and holdings
1 ownerChain of control
Highest known parent: BB & B. The sources do not say who stands above it.
Owners 1
- KORFINEparentSourceaccounts KORFINE 2025100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 978 EUR awarded · 978 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 360 EUR | 360 EUR |
| 2023 | 1 | 259 EUR | 259 EUR |
| 2022 | 1 | 359 EUR | 359 EUR |
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,303 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded09-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0568538279
Registered
07-01-2026
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.