Summary
ASSURFIN 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 €394,154 and a net result of €76,309. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 65% of 2469 sector peers (fiscal year 2025). The company has been active since 2000 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 · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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
27 d late
2024
4 d late
2023
7 d early
2022
on the day
2021
20 d early
2020
38 d early
2019
17 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 7 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 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€394,154▲ 6.1%
2024 · €371,401
Net result
€76,309▲ 36.1%
2024 · €56,072
Total assets
€591,813▲ 6.9%
2024 · €553,561
Solvency
66.6%▼ 0.5pp
2024 · 67.1%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€39,182▼ 56.3%€76,616▲ 95.5%€80,676▲ 5.3%€79,737▼ 1.2%€106,881▲ 34.0%
Net result€24,287within the sector's middle half▼ 58.0%€54,384within the sector's middle half▲ 124%€55,226within the sector's middle half▲ 1.5%€56,072within the sector's middle half▲ 1.5%€76,309within the sector's middle half▲ 36.1%
Equity€305,719above the sector's middle half▲ 8.6%€360,103above the sector's middle half▲ 17.8%€415,329above the sector's middle half▲ 15.3%€371,401above the sector's middle half▼ 10.6%€394,154above the sector's middle half▲ 6.1%
Total assets€566,038within the sector's middle half▼ 1.7%€545,036within the sector's middle half▼ 3.7%€609,222within the sector's middle half▲ 11.8%€553,561within the sector's middle half▼ 9.1%€591,813within the sector's middle half▲ 6.9%
Debt€260,319▼ 11.6%€184,933▼ 29.0%€193,893▲ 4.8%€182,160▼ 6.1%€197,659▲ 8.5%
Working capital€215,357above the sector's middle half▲ 13.0%€245,878above the sector's middle half▲ 14.2%€301,518above the sector's middle half▲ 22.6%€282,035above the sector's middle half▼ 6.5%€265,143above the sector's middle half▼ 6.0%
Solvency54.0%within the sector's middle half▲ 5.1pp66.1%within the sector's middle half▲ 12.1pp68.2%within the sector's middle half▲ 2.1pp67.1%within the sector's middle half▼ 1.1pp66.6%within the sector's middle half▼ 0.5pp
Current ratio2.87within the sector's middle half▲ 0.333.27within the sector's middle half▲ 0.404.45above the sector's middle half▲ 1.185.17above the sector's middle half▲ 0.713.74within the sector's middle half▼ 1.43
Return on assets (ROA)4.3%within the sector's middle half▼ 5.7pp10.0%within the sector's middle half▲ 5.7pp9.1%within the sector's middle half▼ 0.9pp10.1%within the sector's middle half▲ 1.1pp12.9%within the sector's middle half▲ 2.8pp
Staff (FTE)3.6▲ 50.0%3.7▲ 2.8%2.32.3=
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.
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 2025; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €591,813
Fixed assets
€229,899 ▲ 12.8%
Current assets
€361,913 ▲ 3.5%
Equity and liabilities €591,813
Equity
€394,154 ▲ 6.1%
Debt
€197,659 ▲ 8.5%
Debt's share of the balance-sheet total rises from 32.9% to 33.4%. Equity and debt are higher.
Key figures and ratios
ROE
19.4%▲
2024 · 15.1%
Debt ≤ 1 year
€96,770▲
2024 · €67,656
Debt > 1 year
€98,716▲
2024 · €75,125
Income taxes
€34,072▲
2024 · €25,606
Staff costs
€141,235▲
2024 · €133,166
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €18,000 | - | €2,000 | - |
| Remuneration, social security and pensions62 | - | €162,165 | €122,527 | €133,166 | €141,235 | ▲ 6.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €57,431 | €47,623 | €66,362 | €66,025 | €67,166 | ▲ 1.7% |
| Other operating charges640/8 | - | €2,382 | €3,999 | €9,949 | €10,254 | ▲ 3.1% |
| Gross operating margin9900 | €252,428 | €288,787 | €273,565 | €288,877 | €325,537 | ▲ 12.7% |
| Operating profit (loss)9901 | €39,182 | €76,616 | €80,676 | €79,737 | €106,881 | ▲ 34.0% |
| Financial income75/76B | - | €2,799 | €2,852 | €4,023 | €5,811 | ▲ 44.5% |
| Recurring financial income75 | €2,852 | €2,799 | €2,852 | €4,023 | €5,811 | ▲ 44.5% |
| Financial charges65/66B | - | €2,000 | €2,339 | €2,082 | €2,311 | ▲ 11.0% |
| Recurring financial charges65 | €2,754 | €2,000 | €2,339 | €2,082 | €2,311 | ▲ 11.0% |
| Profit (loss) for the period before taxes9903 | €39,279 | €77,415 | €81,190 | €81,677 | €110,381 | ▲ 35.1% |
| Income taxes67/77 | €14,992 | €23,031 | €25,963 | €25,606 | €34,072 | ▲ 33.1% |
| Profit (loss) for the period9904 | €24,287 | €54,384 | €55,226 | €56,072 | €76,309 | ▲ 36.1% |
| Profit (loss) for the period to be appropriated9905 | €24,287 | €54,384 | €55,226 | €56,072 | €76,309 | ▲ 36.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €566,038 | €545,036 | €609,222 | €553,561 | €591,813 | ▲ 6.9% |
| Fixed assets21/28 | €235,713 | €190,788 | €220,403 | €203,870 | €229,899 | ▲ 12.8% |
| Intangible fixed assets21 | €160,381 | €133,107 | €105,832 | €121,368 | €89,440 | ▼ 26.3% |
| Tangible fixed assets22/27 | €75,332 | €57,681 | €114,570 | €82,502 | €140,459 | ▲ 70.2% |
| Furniture and vehicles24 | - | €43,972 | €103,398 | €73,866 | €134,360 | ▲ 81.9% |
| Other tangible fixed assets26 | - | €13,709 | €11,173 | €8,636 | €6,099 | ▼ 29.4% |
| Current assets29/58 | €330,325 | €354,248 | €388,820 | €349,691 | €361,913 | ▲ 3.5% |
| Amounts receivable within one year40/41 | €109,946 | €104,030 | €108,941 | €112,930 | €68,415 | ▼ 39.4% |
| Trade receivables40 | - | €5,464 | €8,808 | - | - | - |
| Other amounts receivable41 | - | €98,566 | €100,132 | €112,930 | €68,415 | ▼ 39.4% |
| Current investments50/53 | - | - | - | €187,500 | - | - |
| Cash at bank and in hand54/58 | €207,901 | €230,872 | €261,116 | €25,726 | €262,277 | ▲ 920% |
| Deferred charges and accrued income490/1 | - | €19,346 | €18,763 | €23,535 | €31,222 | ▲ 32.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €566,038 | €545,036 | €609,222 | €553,561 | €591,813 | ▲ 6.9% |
| Equity10/15 | €305,719 | €360,103 | €415,329 | €371,401 | €394,154 | ▲ 6.1% |
| Contributions10/11 | €69,410 | €69,410 | €69,410 | €69,410 | €69,410 | = |
| Capital10 | - | €69,410 | €69,410 | €69,410 | €69,410 | = |
| Issued capital100 | - | €69,410 | €69,410 | €69,410 | €69,410 | = |
| Reserves13 | €236,309 | €290,693 | €345,919 | €301,991 | €324,743 | ▲ 7.5% |
| Non-distributable reserves130/1 | - | €6,941 | €6,941 | €6,941 | €6,941 | = |
| Legal reserve130 | - | €6,941 | €6,941 | €6,941 | €6,941 | = |
| Distributable reserves133 | - | €283,752 | €338,978 | €295,050 | €317,802 | ▲ 7.7% |
| Amounts payable17/49 | €260,319 | €184,933 | €193,893 | €182,160 | €197,659 | ▲ 8.5% |
| Amounts payable after more than one year17 | €93,481 | €37,191 | €67,213 | €75,125 | €98,716 | ▲ 31.4% |
| Financial debts170/4 | - | €37,191 | €67,213 | €75,125 | €98,716 | ▲ 31.4% |
| Amounts payable within one year42/48 | €114,968 | €108,369 | €87,302 | €67,656 | €96,770 | ▲ 43.0% |
| Current portion of amounts payable after more than one year42 | - | €57,070 | €34,296 | €34,157 | €41,499 | ▲ 21.5% |
| Financial debts43 | - | €12,631 | €12,751 | €12,817 | €15,165 | ▲ 18.3% |
| Credit institutions430/8 | - | €12,631 | €12,751 | €12,817 | €15,165 | ▲ 18.3% |
| Trade debts44 | €3,934 | €9,015 | €18,176 | €3,751 | €19,351 | ▲ 416% |
| Suppliers440/4 | - | €9,015 | €18,176 | €3,751 | €19,351 | ▲ 416% |
| Taxes, remuneration and social security45 | - | €25,373 | €18,171 | €14,446 | €20,756 | ▲ 43.7% |
| Taxes450/3 | - | €5,856 | €4,507 | €1,025 | €1,087 | ▲ 6.0% |
| Remuneration and social security454/9 | - | €19,517 | €13,664 | €13,420 | €19,669 | ▲ 46.6% |
| Other amounts payable47/48 | - | €4,281 | €3,907 | €2,485 | - | - |
| Accrued charges and deferred income492/3 | - | €39,372 | €39,379 | €39,379 | €2,173 | ▼ 94.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,287 | €54,384 | €55,226 | €56,072 | €76,309 | ▲ 36.1% |
| + Depreciation and write-downs630 | €57,431 | €47,623 | €66,362 | €66,025 | €67,166 | ▲ 1.7% |
| Operating cash flow (approximation) | €81,719 | €102,007 | €121,589 | €122,096 | €143,475 | ▲ 17.5% |
| Investment in fixed assets (approximation) | - | -€2,698 | -€95,977 | -€49,493 | -€93,195 | ▼ 88.3% |
| Change in cash | - | €22,971 | €30,244 | -€235,390 | €236,551 | ▲ 200% |
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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-06
Financial
Highest result since 2019net €76,309 ▲36.1%
Operating result €106,881, net result €76,309, both a record.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €24,287 ▼58%
Net result drops to €24,287, the lowest in the series; recovery starts the following year.
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
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 5 acts read
About the unread acts
We know of 5 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
5 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, Oudenaarde · 3 establishment units since 2000
Ground area
1,710 m²
Building footprint
528 m²
Volume, LiDAR
3,283 m³
3 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
3 establishment units
Abdijstraat 95, 9700 Oudenaarde
since 20002.101.017.228
Groep Assurfin NV
since 20002.143.860.148
Groep Assurfin NV
since 20202.315.346.943
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016B1239/00S000 | Flanders | 1,050 m² | 1 · 212 m² | 10.5 m · 2 fl. |
| 45504A0288/00V004 | Flanders | 385 m² | 1 · 86 m² | 10.7 m · 2 fl. |
| 44003B0256/00G000 | Flanders | 275 m² | 1 · 231 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,673 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
Founded13-03-2000
Fiscal year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0471411090
Also
9925:BE0471411090
Registered
22-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.