Assurema
ActiveAssurema 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 €699k and a net result of €286k. Equity is growing by ~43.1% per year across the filed fiscal years. Its solvency ranks better than 41% of 1455 sector peers (fiscal year 2025). The company has been active since 1995 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
27 d late
2023
1 d early
2022
3 d early
2021
17 d early
2020
27 d late
2019
60 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€699k▲ 24.3%
2024 · €563k
2018: €61k
2019: €62k
2020: €125k
2021: €178k
2022: €256k
2023: €331k
2024: €563k
2018 → 2025
Net result
€286k▲ 1.7%
2024 · €282k
2018: €-27k
2019: €1k
2020: €62k
2021: €71k
2022: €96k
2023: €125k
2024: €282k
2018 → 2025
Total assets
€2.30M▲ 9.5%
2024 · €2.10M
2018: €481k
2019: €556k
2020: €734k
2021: €1.16M
2022: €1.07M
2023: €2.10M
2024: €2.10M
2018 → 2025
Solvency
30.4%▲ 3.6pp
2024 · 26.8%
2018: 12.8%
2019: 11.2%
2020: 17.0%
2021: 15.3%
2022: 23.9%
2023: 15.8%
2024: 26.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€178k-€256k▲ 43.9%€331k▲ 29.2%€563k▲ 70.0%€699k▲ 24.3%
Operating result€102k-€144k▲ 41.6%€180k▲ 25.2%€439k▲ 144%€434k▼ 1.2%
Net result€71k-€96k▲ 34.7%€125k▲ 30.0%€282k▲ 126%€286k▲ 1.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.30M
Fixed assets
€1.83M▲ 13.3%
Current assets
€467k▼ 3.2%
Equity and liabilities €2.30M
Equity
€699k▲ 24.3%
Provisions
€100k
Debt
€1.50M▼ 2.4%
The debt ratio falls from 73.2% to 65.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
30.4%▲
2024 · 26.8%
ROE
41.0%▼
2024 · 50.1%
ROA
12.5%▼
2024 · 13.4%
Debt
€1.50M▼
2024 · €1.54M
Debt ≤ 1 year
€780k▲
2024 · €554k
Debt > 1 year
€695k▼
2024 · €977k
Income taxes
€115k▲
2024 · €112k
Staff costs
€571k▲
2024 · €504k
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€2.10M€2.30M▲
Fixed assets21/28€1.62M€1.83M▲
Intangible fixed assets21€1.27M€1.30M▲
Tangible fixed assets22/27€345k€529k▲
Land and buildings22-€7k
Plant, machinery and equipment23€16k€11k▼
Furniture and vehicles24€96k€510k▲
Other tangible fixed assets26€232k-
Current assets29/58€482k€467k▼
Amounts receivable within one year40/41€175k€315k▲
Trade receivables40€896-
Other amounts receivable41€174k€315k▲
Current investments50/53€25k€27k▲
Cash at bank and in hand54/58€167k€1k▼
Deferred charges and accrued income490/1€115k€123k▲
Equity and liabilities
Total equity and liabilities10/49€2.10M€2.30M▲
Equity10/15€563k€699k▲
Contributions10/11€12k€12k=
Reserves13€550k€550k=
Distributable reserves133€550k€550k=
Profit (loss) carried forward14-€136k
Provisions and deferred taxes16-€100k
Provisions for liabilities and charges160/5-€100k
Environmental obligations163-€100k
Amounts payable17/49€1.54M€1.50M▼
Amounts payable after more than one year17€977k€695k▼
Financial debts170/4€977k€695k▼
Amounts payable within one year42/48€554k€780k▲
Current portion of amounts payable after more than one year42€313k€273k▼
Trade debts44€22k€156k▲
Suppliers440/4€22k€156k▲
Taxes, remuneration and social security45€146k€129k▼
Taxes450/3€71k€71k▼
Remuneration and social security454/9€75k€58k▼
Other amounts payable47/48€73k€223k▲
Accrued charges and deferred income492/3€6k€24k▲
Income statement
Code20242025
Non-recurring operating income76A€1k€6k▲
Remuneration, social security and pensions62€504k€571k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€338k€254k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8-€100k
Other operating charges640/8€2k€4k▲
Non-recurring operating charges66A€7k-
Gross operating margin9900€1.29M€1.36M▲
Operating profit (loss)9901€439k€434k▼
Financial income75/76B€1k€11k▲
Recurring financial income75€1k€11k▲
Financial charges65/66B€47k€43k▼
Recurring financial charges65€47k€43k▼
Profit (loss) for the period before taxes9903€393k€402k▲
Income taxes67/77€112k€115k▲
Profit (loss) for the period9904€282k€286k▲
Profit (loss) for the period to be appropriated9905€282k€286k▲
Appropriation of the result
Profit (loss) to be appropriated9906€282k€286k▲
Transfer from equity791/2€2k-
Transfer to equity691/2€233k-
To other reserves6921€233k-
Profit to be distributed694/7€50k€150k▲
Directors or managers695€50k€150k▲
Social balance
Average headcount (FTE)90878.28.7▲
The notes to these accounts (13 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Highest result since 2018net €286k ▲1.7%
Net result €286k, the highest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Equity above €500kEq €563k ▲70%
6 profitable years in a row build equity to €563k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €256k ▲43.9%
4 profitable years in a row build equity to €256k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €178k ▲42.8%
3 profitable years in a row build equity to €178k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Equity above €100kEq €125k ▲99.9%
2 profitable years in a row build equity to €125k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2025
DE PROFT Johan Theo Rachel
CurrentDirector · since 30-09-2024
DE PROFT Marjan Augusta Sabine
CurrentDirector · since 30-09-2024
06-06-2025
Marjan De Proft: Resigned as Director
30-09-2024
DE PROFT Johan Theo Rachel: Appointed as Director
30-09-2024
DE PROFT Marjan Augusta Sabine: Appointed as Director
Location & real-estate footprint
Registered office, Zele · 3 establishment units since 2003
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.
Dendermondebaan 2069240 ZeleGround area
1,651 m²
Building footprint
580 m²
Volume, LiDAR
2,587 m³
3 parcels, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Dendermondebaan 206, 9240 Zele
since 20032.113.376.216
Zandstraat (APP) 88, 9200 Dendermonde
since 20182.281.444.057
Leo Duboisstraat 43, 9280 Lebbeke
since 20182.281.444.156
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42402C1979/00Y002 | Flanders | 1,343 m² | 1 · 301 m² | 8.4 m · 1 fl. |
| 42011A0299/00G000 | Flanders | 192 m² | 1 · 160 m² | 10.6 m · 2 fl. |
| 42001B0300/02R000 | Flanders | 115 m² | 1 · 119 m² | 10.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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B-MAN
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Of 4,666 companies in sector 66220 we hold annual accounts for 3,214. 2,402 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-1995
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.