ASSURIM CONSEIL
ActiveASSURIM CONSEIL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €400k and a net result of €46k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+12
Solvency46▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.17 against 0.14 in 2024; short-term debt: 18% and cash: 0% of total assets), and 79.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.7%
Return on assets
2.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-10-2025, 100 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
100 d early
2024
8 d early
2023
6 d early
2022
4 d early
2021
3 d early
2020
40 d early
2019
16 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2020 · €0
2019: €0
2020: €0
2019 → 2022
Total assets
€1.93M▼ 3.0%
2024 · €1.99M
2019: €1.17M
2020: €1.19M
2021: €1.20M
2022: €1.33M
2023: €2.00M
2024: €1.99M
2019 → 2025
Net result
€46k▲ 170%
2024 · €17k
2019: €12k
2020: €53k
2021: €48k
2022: €64k
2023: €10k
2024: €17k
2019 → 2025
Working capital
€-288k▲ 9.9%
2024 · €-320k
2019: €-107k
2020: €-81k
2021: €-43k
2022: €-92k
2023: €-171k
2024: €-320k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0
Equity€271k-€329k▲ 21.4%€338k▲ 2.9%€355k▲ 4.8%€400k▲ 12.7%
Operating result€95k-€114k▲ 20.5%€52k▼ 54.2%€71k▲ 36.3%€120k▲ 68.4%
Net result€48k-€64k▲ 34.3%€10k▼ 84.0%€17k▲ 66.8%€46k▲ 170%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 68% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€1.87M▼ 3.5%
Current assets
€59k▲ 16.8%
Equity and liabilities €1.93M
Equity
€400k▲ 12.7%
Debt
€1.53M▼ 6.4%
The debt ratio falls from 82.1% to 79.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€231k▲
2024 · €132k
Cash flow
€157k▲
2024 · €77k
Solvency
20.7%▲
2024 · 17.9%
Current ratio
0.17▲
2024 · 0.14
Quick ratio
0.17▲
2024 · 0.14
Debt / equity
3.82▼
2024 · 4.60
ROE
11.5%▲
2024 · 4.8%
ROA
2.4%▲
2024 · 0.9%
Interest coverage
4.01▲
2024 · 2.84
Debt
€1.53M▼
2024 · €1.63M
Debt ≤ 1 year
€347k▼
2024 · €370k
Debt > 1 year
€1.18M▼
2024 · €1.26M
Income taxes
€17k▲
2024 · €8k
Staff costs
€134k▼
2024 · €224k
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€1.99M€1.93M▼
Fixed assets21/28€1.94M€1.87M▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€1.94M€1.87M▼
Land and buildings22€826k€1.82M▲
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€56k€40k▼
Other tangible fixed assets26€0-
Assets under construction and advance payments27€1.04M€0▼
Current assets29/58€50k€59k▲
Amounts receivable within one year40/41€7k€12k▲
Trade receivables40€0€8k▲
Other amounts receivable41€7k€4k▼
Cash at bank and in hand54/58€0€0=
Deferred charges and accrued income490/1€43k€47k▲
Equity and liabilities
Total equity and liabilities10/49€1.99M€1.93M▼
Equity10/15€355k€400k▲
Contributions10/11€20k€20k=
Reserves13€207k€237k▲
Distributable reserves133€207k€237k▲
Profit (loss) carried forward14€127k€142k▲
Amounts payable17/49€1.63M€1.53M▼
Amounts payable after more than one year17€1.26M€1.18M▼
Financial debts170/4€1.26M€1.18M▼
Amounts payable within one year42/48€370k€347k▼
Current portion of amounts payable after more than one year42€145k€152k▲
Financial debts43€36k€15k▼
Credit institutions430/8€36k€15k▼
Trade debts44€69k€87k▲
Suppliers440/4€69k€87k▲
Taxes, remuneration and social security45€44k€27k▼
Taxes450/3€576€1k▲
Remuneration and social security454/9€43k€25k▼
Other amounts payable47/48€76k€67k▼
Accrued charges and deferred income492/3€762€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€224k€134k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€111k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€11k€14k▲
Gross operating margin9900€367k€379k▲
Operating profit (loss)9901€71k€120k▲
Financial income75/76B€0€21▲
Recurring financial income75€0€21▲
Financial charges65/66B€47k€58k▲
Recurring financial charges65€47k€58k▲
Profit (loss) for the period before taxes9903€25k€63k▲
Income taxes67/77€8k€17k▲
Profit (loss) for the period9904€17k€46k▲
Profit (loss) for the period to be appropriated9905€17k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€143k€173k▲
Profit (loss) brought forward from the previous period14P€126k€127k▲
Transfer to equity691/2€15k€30k▲
To the legal reserve6920€15k€30k▲
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲
The notes to these accounts (10 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
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €10k ▼84%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €64k ▲34.3%
Net result €64k, the highest in the series.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Equity above €200kEq €226k ▲28.9%
2 profitable years in a row build equity to €226k.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Waremme · 1 establishment unit since 2009
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.
Rue Joseph Nicolas 144300 WaremmeGround area
277 m²
Building footprint
91 m²
Volume, LiDAR
600 m³
Parcel 64014A0430/00R000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ASSURIM CONSEIL
since 20092.176.155.606
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64014A0430/00R000 | Wallonia | 277 m² | 1 · 90 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 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 12,023 companies in sector 68203 we hold annual accounts for 5,986. 4,420 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2009
Fiscal year end30-06
Activities, NACEBEL
66220Insurance agents and brokers
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.