Assuraz
ActiveAssuraz 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 €869k and a net result of €51k. Equity is growing by ~30.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 7980 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
31 d early
2023
33 d early
2022
31 d early
2021
33 d early
2020
31 d late
2019
21 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€869k▲ 6.2%
2024 · €818k
2018: €113k
2019: €173k
2020: €198k
2021: €245k
2022: €297k
2023: €363k
2024: €818k
2018 → 2025
Net result
€51k▼ 89.5%
2024 · €485k
2018: €45k
2019: €100k
2020: €61k
2021: €80k
2022: €81k
2023: €88k
2024: €485k
2018 → 2025
Total assets
€1.01M▲ 15.9%
2024 · €872k
2018: €190k
2019: €244k
2020: €244k
2021: €289k
2022: €324k
2023: €387k
2024: €872k
2018 → 2025
Solvency
85.9%▼ 7.8pp
2024 · 93.8%
2018: 59.2%
2019: 70.8%
2020: 81.2%
2021: 84.5%
2022: 91.8%
2023: 93.7%
2024: 93.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€245k-€297k▲ 21.6%€363k▲ 22.0%€818k▲ 125%€869k▲ 6.2%
Operating result€112k-€120k▲ 7.2%€133k▲ 10.0%€712k▲ 437%€57k▼ 91.9%
Net result€80k-€81k▲ 0.6%€88k▲ 9.5%€485k▲ 450%€51k▼ 89.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€940k▲ 294%
Current assets
€71k▼ 88.8%
Equity and liabilities €1.01M
Equity
€869k▲ 6.2%
Debt
€142k▲ 161%
The debt ratio rises from 6.2% to 14.1%: debt grows faster than equity.
Key figures and ratios
Solvency
85.9%▼
2024 · 93.8%
ROE
5.9%▼
2024 · 59.3%
ROA
5.0%▼
2024 · 55.6%
Debt
€142k▲
2024 · €54k
Debt ≤ 1 year
€67k▲
2024 · €54k
Debt > 1 year
€75k
Income taxes
€18k▼
2024 · €226k
Staff costs
€6k▼
2024 · €119k
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€872k€1.01M▲
Fixed assets21/28€239k€940k▲
Tangible fixed assets22/27€231k€933k▲
Land and buildings22€169k€887k▲
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€56k€40k▼
Financial fixed assets28€8k€8k=
Current assets29/58€634k€71k▼
Amounts receivable within one year40/41€50k€25k▼
Other amounts receivable41€50k€25k▼
Current investments50/53€52k-
Cash at bank and in hand54/58€527k€44k▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€872k€1.01M▲
Equity10/15€818k€869k▲
Contributions10/11€6k€6k=
Reserves13€812k€863k▲
Tax-exempt reserves132€115€115=
Distributable reserves133€812k€863k▲
Amounts payable17/49€54k€142k▲
Amounts payable after more than one year17-€75k
Financial debts170/4-€75k
Amounts payable within one year42/48€54k€67k▲
Trade debts44€5k€10k▲
Suppliers440/4€5k€10k▲
Taxes, remuneration and social security45€46k€49k▲
Taxes450/3€46k€49k▲
Other amounts payable47/48€4k€8k▲
Income statement
Code20242025
Non-recurring operating income76A€500k€3k▼
Remuneration, social security and pensions62€119k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€40k▲
Other operating charges640/8€3k€61k▲
Non-recurring operating charges66A€6k-
Gross operating margin9900€862k€164k▼
Operating profit (loss)9901€712k€57k▼
Financial income75/76B€394€11k▲
Recurring financial income75€394€11k▲
Financial charges65/66B€1k€69▼
Recurring financial charges65€1k€69▼
Profit (loss) for the period before taxes9903€711k€69k▼
Income taxes67/77€226k€18k▼
Profit (loss) for the period9904€485k€51k▼
Profit (loss) for the period to be appropriated9905€485k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€485k€51k▼
Transfer from equity791/2€30k-
Transfer to equity691/2€485k€51k▼
To other reserves6921€485k€51k▼
Profit to be distributed694/7€30k-
Return on contributions (dividend)694€30k-
The notes to these accounts (8 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €485k ▲450%
Operating result €712k, net result €485k, both a record.
31-12
Financial
Equity above €500kEq €818k ▲125%
7 profitable years in a row build equity to €818k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 4.86
Current ratio from 1.86 to 4.86; short-term debt falls from €44k to €26k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €245k ▲23.2%
4 profitable years in a row build equity to €245k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Equity above €150kEq €173k ▲53.2%
2 profitable years in a row build equity to €173k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
31-07
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.
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, Vorselaar · 1 establishment unit since 1997
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.
Lepelstraat 372290 VorselaarGround area
2,094 m²
Building footprint
637 m²
Volume, LiDAR
5,520 m³
2 parcels, Flanders · tallest building 14.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ASSURAZ
since 19972.084.745.873
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13044G0231/00K000 | Flanders | 1,538 m² | 1 · 451 m² | 14.6 m · 3 fl. |
| 13010B0338/00P000 | Flanders | 556 m² | 1 · 186 m² | 13.3 m · 3 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.
Similar companies · same sector, comparable size
GRENKE LEASE
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EKB
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GARAGE GEBROEDERS DECKX
BE 0404.151.785
Turnhout · Eq €839k
D.D.
BE 0448.761.392
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KEMPENEERS
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Of 186 companies in sector 64910 we hold annual accounts for 133. 83 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-1997
Fiscal year end31-12
Activities, NACEBEL
64910Financial service activities, except insurance and pension funding
65210
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.