Equity
-€4,435
Debts exceed assets in financial year 2025.
Assure
Lifetime
1 annual account with figurespeak -€8,588 (2025)
-€8,588
lowest -€9,435 (2025)
-€9,435
peak -€4,435 (2025)
-€4,435
€30,711
Board1 name since 2025
1 directorAmelie De Neef
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Loss of €9,435Incorporation 27-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€30,711 117% of the balance sheet
After one year 98%Within one year 2%
Of this, €711 falls due within a year.
Position in the sector
-16.9%
Lower solvency than 84% of companies in wholesale trade. Sector median 40.4% · 13,807 companies.
Turnover not published (micro format)
Checked score
55
Fair
Financially stronger than 39% of micro companies in wholesale trade (NACE 46)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 1.6%
03-2026: 1.6%● unchanged vs 02-2026
04-2026: 1.7%▲ +0.1 percentage points vs 03-2026
05-2026: 2.0%▲ +0.3 percentage points vs 04-2026
06-2026: 2.1%▲ +0.1 percentage points vs 05-2026
07-2026: 2.4%▲ +0.3 percentage points vs 06-2026highest value
08-2026: 0.8%▼ -1.6 percentage points vs 07-2026lowest value
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€4,435
Founded in 2025
lowers risk
Liquidity: current ratio 36.12, cash €24,307
Size: total assets €26,276
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 13% of them on solvency, 98% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,322 companies had the same profile as Assure has now. Each dot stands for 4 companies, two years later.
90.2%
were still trading
5.5%
stopped another way
4.2%
went bankrupt
The bankruptcy probability of Assure itself is lower: 0.8% within 12 months. It rests on far more data about Assure than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,322 companies, not a prediction for Assure. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is ample, with a current ratio of 36.12, above the usual 1.5. Short-term debt is 2.7% and cash 92.5% of total assets. However, equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
on the day
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019109813
Incorporation
Founding capital of €5,000, 100 shares · Founder: Amelie De Neef · Appointment: Amelie De Neef (director) · published on 27-01-2025 · Gazette deed
First establishment
Leopoldlei 35, Heist-op-den-Berg
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Assure Heist-op-den-Berg | €26,276 | -€8,588 | -16.9% | - |
| Bubbly-Bubbles Herentals | €32,520 | -€16,350 | -20.2% | - |
| T. POUPEYE Bruges | €33,637 | -€1,984 | 59.8% | - |
| MarketMakers Antwerp | €45,725 | -€16,139 | 95.7% | - |
| AKFA GENERAL TRADING Brussels | €20,005 | -€1,872 | 85.4% | - |
| VAMATA Zwevegem | €24,625 | -€71,891 | 85.5% | - |
| BLC International Wijnegem | €22,676 | €38 | 69.9% | - |
These companies have the same main activity as Assure: agents in the wholesale of furniture, household goods and hardware (NACE 46150). They are comparable in size and age: total assets between €20,000 and €45,700, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 23-01-2025Normal situation
- Activity
- Agents in the wholesale of furniture, household goods and hardwareNACE 46150and 2 others
- Establishment unit
- 2.369.152.0512220 Heist-op-den-Berg, since 23-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 30-07-2025
Annual accounts 2025
- €26,276
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on Assure
Assure has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€4,435) and a net result of -€9,435.
Its solvency ranks better than 15% of 13,807 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Assure
- What is the company number of Assure?
- The company number of Assure is 1019.109.813. The VAT number is the same number with BE in front: BE 1019.109.813.
- Where is Assure based?
- The registered office is at Leopoldlei 35, 2220 Heist-op-den-Berg.Company details
- What does Assure do?
- According to the KBO register, the main activity is agents in the wholesale of furniture, household goods and hardware (NACE 46150).
- What is the legal form of Assure?
- Assure is a private limited company (BV).
- When was Assure founded?
- Assure was founded on 23-01-2025.
- Is Assure still active?
- Yes, Assure is an active enterprise in the KBO register.
- What is the turnover of Assure?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is Assure profitable?
- In financial year 2025, Assure made a loss of €9,435.
- Where can I find the annual accounts of Assure?
- Assure filed 1 annual account with the National Bank of Belgium, for financial year 2025.
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 Compare this company with its sector.Sector benchmark Estimate what this company is worth.Value indication
See how customers, suppliers and banks see your own company and what to improve first.