Equity
-€9,620
Debts exceed assets in financial year 2025.
ASSURGILIMMO
Lifetime
20 annual accounts with figures on one time axispeak €34,589 (2007)
€8,376▲ 71.6%
lowest -€33,820 (2016)
-€4,092▼ €4,244
peak €66,439 (2013)
-€9,620▼ €4,092
€75,492▼ 17.1%
Board3 names since 2021
3 directorsMARINO,Lucia and 2 others
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from €4,880 to €8,376Loss of €4,092Appointments: LELOIR, Olivier (director) and MARINO, Lucia (d… 09-04Equity from -€5,528 to -€9,620Debts from €91,069 to €75,492
Key points
from the 2025 annual accountsChecked score
53
Fair
Financially stronger than 17% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.8%
01-2025: 1.7%▼ -0.1 percentage points vs 12-2024
02-2025: 1.7%● unchanged vs 01-2025
03-2025: 1.9%▲ +0.2 percentage points vs 02-2025
04-2025: 1.9%● unchanged vs 03-2025
05-2025: 1.9%● unchanged vs 04-2025
06-2025: 1.9%● unchanged vs 05-2025highest value
07-2025: 0.8%▼ -1.1 percentage points vs 06-2025
08-2025: 0.8%● unchanged vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026lowest value
06-2026: 0.8%● unchanged vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 1.4%▲ +0.6 percentage points vs 07-2026
09-2026: 1.6%▲ +0.2 percentage points vs 08-2026
10-2026: 1.5%▼ -0.1 percentage points vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€9,620
No main activity registered
lowers risk
Size: total assets €65,872
Founded in 2005
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 (no NACE code, micro). It does better than 11% of them on solvency, 9% on liquidity, 40% on profitability and 6% on growth.
The bankruptcy probability was computed on 06-11-2026 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, 2,796 companies had the same profile as ASSURGILIMMO has now. Each dot stands for 7 companies, two years later.
90.4%
were still trading
6.0%
stopped another way
2.1%
went bankrupt
Another 1.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ASSURGILIMMO itself: 1.5% within 12 months.
Test of the method
The method was tested on the 497,447 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 2,796 companies, not a prediction for ASSURGILIMMO. 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 insufficient, with a current ratio of 0.27 (0.41 in 2024), below 1. Short-term debt is 114.6% and cash 7.2% of total assets. Equity is negative.
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€9,620
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
61 days late
2024
58 days early
2023
61 days early
2022
3 days early
2021
43 days late
2020
51 days late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 5 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 July (4 of the last 5 accounts filed within 57 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Appointments: LELOIR, Olivier (director) and MARINO, Lucia (director)
General meeting of 04-04-2025 · Gazette deed
Resignation: Lucia Marino (manager)
General meeting of 31-05-2012 · Gazette deed
First establishment
Rue de Bertransart 63A, Gerpinnes
Incorporation
published on 19-10-2005 · Gazette deed
Official details
Source: KBO- Status
- Active since 10-10-2005Normal situation
- Activity
- “L'activité d'intermédiaire en assurances sous quelque forme que ce soit,l'agence et la représentation de…” (deed in French)From the articles, 10 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.154.550.1426280 Gerpinnes, since 20-06-2006
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on ASSURGILIMMO
ASSURGILIMMO files the micro format. That format states no turnover. The gross margin fell from €22,747 in 2006 to €8,376 in 2025.
The balance sheet grew most from 2007 to 2008 through fixed assets, financed with long-term debt.
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 ASSURGILIMMO
- What is the company number of ASSURGILIMMO?
- The company number of ASSURGILIMMO is 0876.567.323. The VAT number is the same number with BE in front: BE 0876.567.323.
- Where is ASSURGILIMMO based?
- The registered office is at Rue de Bertransart 63, 6280 Gerpinnes.Company details
- What is the legal form of ASSURGILIMMO?
- ASSURGILIMMO is a private limited company (BV).
- When was ASSURGILIMMO founded?
- ASSURGILIMMO was founded on 10-10-2005.
- Is ASSURGILIMMO still active?
- Yes, ASSURGILIMMO is an active enterprise in the KBO register.
- What is the turnover of ASSURGILIMMO?
- The turnover in financial year 2025 is ≈ €64,000. This figure is estimated from the gross margin of €8,376 and 6,304 comparable companies of the same size. It probably lies between €29,000 and €150,000. It is a rough estimate.Financials
- Is ASSURGILIMMO profitable?
- In financial year 2025, ASSURGILIMMO made a loss of €4,092.
- Where can I find the annual accounts of ASSURGILIMMO?
- ASSURGILIMMO filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ASSURGILIMMO due?
- ASSURGILIMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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