ASSUREVIA
ActiveASSUREVIA has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €52k and a net result of €251k. Equity is shrinking by ~16.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 16% of 8968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+24
Solvency33▲+4
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.51 in 2023; short-term debt: 34.6% and cash: 2% of total assets), and 92.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 8968 sector peers (2024).
NBB · sector comparisonPosition among 8968 sector peers
Solvency
better than 16%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €52k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-06-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
43 d early
2023
63 d early
2022
29 d late
2021
on the day
2020
31 d early
2019
38 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€52k▲ 202%
2023 · €17k
2018: €106k
2019: €116k
2020: €123k
2021: €145k
2022: €38k
2023: €17k
2018 → 2024
Total assets
€683k▲ 50.8%
2023 · €453k
2018: €388k
2019: €387k
2020: €376k
2021: €388k
2022: €405k
2023: €453k
2018 → 2024
Net result
€251k▲ 914%
2023 · €25k
2018: €32k
2019: €10k
2020: €7k
2021: €22k
2022: €36k
2023: €25k
2018 → 2024
Working capital
€68k▲ 179%
2023 · €24k
2018: €-144k
2019: €-168k
2020: €-193k
2021: €-217k
2022: €-178k
2023: €24k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€123k-€145k▲ 17.8%€38k▼ 74.0%€17k▼ 53.9%€52k▲ 202%
Operating result€14k-€32k▲ 127%€50k▲ 53.8%€35k▼ 29.0%€49k▲ 38.8%
Net result€7k-€22k▲ 223%€36k▲ 64.7%€25k▼ 31.3%€251k▲ 914%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 39% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €683k
Fixed assets
€379k▼ 0.6%
Current assets
€304k▲ 324%
Equity and liabilities €683k
Equity
€52k▲ 202%
Debt
€630k▲ 44.8%
The debt ratio falls from 96.2% to 92.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€52k▲
2023 · €37k
Cash flow
€253k▲
2023 · €26k
Solvency
7.7%▲
2023 · 3.8%
Current ratio
1.29▼
2023 · 1.51
Quick ratio
1.29▼
2023 · 1.51
Debt / equity
12.05▼
2023 · 25.15
ROE
479.3%▲
2023 · 142.9%
ROA
36.7%▲
2023 · 5.5%
Interest coverage
175.57▲
2023 · 39.31
Debt
€630k▲
2023 · €435k
Debt ≤ 1 year
€236k▲
2023 · €47k
Debt > 1 year
€394k▲
2023 · €388k
Income taxes
€14k▲
2023 · €10k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€453k€683k▲
Fixed assets21/28€381k€379k▼
Tangible fixed assets22/27€10k€8k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€8k€6k▼
Financial fixed assets28€371k€371k=
Current assets29/58€72k€304k▲
Amounts receivable within one year40/41€69k€290k▲
Trade receivables40€14k€23k▲
Other amounts receivable41€55k€267k▲
Cash at bank and in hand54/58€2k€13k▲
Deferred charges and accrued income490/1-€187
Equity and liabilities
Total equity and liabilities10/49€453k€683k▲
Equity10/15€17k€52k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€9k€44k▲
Amounts payable17/49€435k€630k▲
Amounts payable after more than one year17€388k€394k▲
Other amounts payable178/9€388k€394k▲
Amounts payable within one year42/48€47k€236k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45-€14k
Taxes450/3-€14k
Other amounts payable47/48€45k€216k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A-€912
Gross operating margin9900€40k€53k▲
Operating profit (loss)9901€35k€49k▲
Financial income75/76B-€216k
Recurring financial income75-€216k
Financial charges65/66B€939€293▼
Recurring financial charges65€939€293▼
Profit (loss) for the period before taxes9903€35k€265k▲
Income taxes67/77€10k€14k▲
Profit (loss) for the period9904€25k€251k▲
Profit (loss) for the period to be appropriated9905€25k€251k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€260k▲
Profit (loss) brought forward from the previous period14P€30k€9k▼
Profit to be distributed694/7€45k€216k▲
Return on contributions (dividend)694€45k€216k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €251k ▲914%
Net result €251k, the highest in the series.
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 9current ratio 1.51
Current ratio from 0.16 to 1.51; short-term debt falls from €213k to €47k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €7k ▼32.5%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 38 days late
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 5 days late
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Jette · 1 establishment unit since 2013
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.
Burgemeester Etienne Demunterl. 31090 JetteGround area
803 m²
Building footprint
400 m²
Volume, LiDAR
2,626 m³
Parcel 21342B0043/00S003, Brussels · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BEETLEJU
since 20132.273.923.686
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0043/00S003 | Brussels | 803 m² | 1 · 400 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,507 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2013
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.