Summary
ASSURLYS 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 €287,156 and a net result of €20,050. Equity is growing by about 16% per year across the filed financial years. Its solvency ranks better than 64% of 3,028 sector peers (NACE 66, financial year 2025). The company has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
Equity
€287,156▲ 7.5%
2024 · €267,106
Net result
€20,050▼ 22.6%
2024 · €25,902
Total assets
€446,233▲ 7.2%
2024 · €416,172
Solvency
64.4%▲ 0.2pp
2024 · 64.2%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has fallen two years in a row; 2025 is 2% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€43,319
2025
Net result€20,050
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€446,233
2025
Equity€287,156
2025
Debt€159,077
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€108,520
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)4.5%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency64.4%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.30
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€4,498-€30,562▲ 580%€22,777▼ 25.5%€34,535▲ 51.6%€67,405▲ 95.2%€71,019▲ 5.4%€44,254▼ 37.7%€43,319▼ 2.1%
Net result-€6,214-€16,429€8,185within the sector's middle half▼ 50.2%€18,290within the sector's middle half▲ 123%€44,102within the sector's middle half▲ 141%€42,425within the sector's middle half▼ 3.8%€25,902within the sector's middle half▼ 38.9%€20,050within the sector's middle half▼ 22.6%
Equity€111,771-€128,201▲ 14.7%€136,386within the sector's middle half▲ 6.4%€154,676within the sector's middle half▲ 13.4%€198,778within the sector's middle half▲ 28.5%€241,204within the sector's middle half▲ 21.3%€267,106within the sector's middle half▲ 10.7%€287,156within the sector's middle half▲ 7.5%
Total assets€368,399-€348,645▼ 5.4%€355,625within the sector's middle half▲ 2.0%€371,953within the sector's middle half▲ 4.6%€424,477within the sector's middle half▲ 14.1%€439,195within the sector's middle half▲ 3.5%€416,172within the sector's middle half▼ 5.2%€446,233within the sector's middle half▲ 7.2%
Debt€256,628-€220,444▼ 14.1%€219,240▼ 0.5%€217,277▼ 0.9%€225,699▲ 3.9%€197,991▼ 12.3%€149,066▼ 24.7%€159,077▲ 6.7%
Working capital-€14,744--€18,646▼ 26.5%-€3,829within the sector's middle half▲ 79.5%€219,304above the sector's middle half-€106,992below the sector's middle half-€73,351below the sector's middle half▲ 31.4%-€56,915below the sector's middle half▲ 22.4%-€108,520below the sector's middle half▼ 90.7%
Solvency30.3%-36.8%▲ 6.4pp38.4%within the sector's middle half▲ 1.6pp41.6%within the sector's middle half▲ 3.2pp46.8%within the sector's middle half▲ 5.2pp54.9%within the sector's middle half▲ 8.1pp64.2%within the sector's middle half▲ 9.3pp64.4%within the sector's middle half▲ 0.2pp
Current ratio0.73-0.66▼ 0.060.92within the sector's middle half▲ 0.263.46within the sector's middle half▲ 2.540.03below the sector's middle half▼ 3.430.33below the sector's middle half▲ 0.300.36below the sector's middle half▲ 0.030.30below the sector's middle half▼ 0.06
Return on assets (ROA)-1.7%-4.7%▲ 6.4pp2.3%within the sector's middle half▼ 2.4pp4.9%within the sector's middle half▲ 2.6pp10.4%within the sector's middle half▲ 5.5pp9.7%within the sector's middle half▼ 0.7pp6.2%within the sector's middle half▼ 3.4pp4.5%within the sector's middle half▼ 1.7pp
Staff (FTE)0.5-0.5=0.5below the sector's middle half=1▲ 100%1=1=1=1=
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €446,233
Fixed assets
€400,478 ▲ 4.3%
Current assets
€45,755 ▲ 42.5%
Equity and liabilities €446,233
Equity
€287,156 ▲ 7.5%
Debt
€159,077 ▲ 6.7%
Debt's share of the balance-sheet total falls from 35.8% to 35.6%. Equity and debt are higher.
Key figures and ratios
ROE
7.0%▼
2024 · 9.7%
Debt ≤ 1 year
€154,275▲
2024 · €89,029
Debt > 1 year
€4,802▼
2024 · €60,037
Income taxes
€16,479▲
2024 · €13,745
Staff costs
€12,896▲
2024 · €12,822
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €11,208 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €9,212 | €5,920 | €14,877 | €12,822 | €12,896 | ▲ 0.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38,283 | €38,874 | €40,112 | €15,720 | €17,313 | €18,522 | €18,522 | €16,645 | ▼ 10.1% |
| Other operating charges640/8 | - | - | - | €1,258 | €1,393 | €1,823 | €1,812 | €1,824 | ▲ 0.7% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €2,382 | - |
| Gross operating margin9900 | €63,896 | €94,821 | €78,160 | €60,725 | €92,032 | €106,240 | €77,409 | €77,066 | ▼ 0.4% |
| Operating profit (loss)9901 | €4,498 | €30,562 | €22,777 | €34,535 | €67,405 | €71,019 | €44,254 | €43,319 | ▼ 2.1% |
| Financial income75/76B | - | - | - | - | - | - | €84 | €3,108 | ▲ 3,585% |
| Recurring financial income75 | €0 | €0 | €2,600 | - | - | - | €84 | €3,108 | ▲ 3,585% |
| Financial charges65/66B | - | - | - | €7,707 | €6,219 | €7,170 | €4,691 | €9,898 | ▲ 111% |
| Recurring financial charges65 | €10,549 | €9,182 | €8,251 | €7,707 | €6,219 | €7,170 | €4,691 | €9,898 | ▲ 111% |
| Profit (loss) for the period before taxes9903 | -€6,051 | €21,380 | €17,126 | €26,828 | €61,186 | €63,849 | €39,647 | €36,529 | ▼ 7.9% |
| Income taxes67/77 | €163 | €4,951 | €8,941 | €8,538 | €17,083 | €21,424 | €13,745 | €16,479 | ▲ 19.9% |
| Profit (loss) for the period9904 | -€6,214 | €16,429 | €8,185 | €18,290 | €44,102 | €42,425 | €25,902 | €20,050 | ▼ 22.6% |
| Profit (loss) for the period to be appropriated9905 | -€6,214 | €16,429 | €8,185 | €18,290 | €44,102 | €42,425 | €25,902 | €20,050 | ▼ 22.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €368,399 | €348,645 | €355,625 | €371,953 | €424,477 | €439,195 | €416,172 | €446,233 | ▲ 7.2% |
| Fixed assets21/28 | €328,805 | €311,776 | €309,250 | €63,601 | €421,102 | €402,580 | €384,058 | €400,478 | ▲ 4.3% |
| Tangible fixed assets22/27 | €328,625 | €311,776 | €309,250 | €63,601 | €85,495 | €66,974 | €48,452 | €64,871 | ▲ 33.9% |
| Land and buildings22 | - | - | - | €61,200 | €51,000 | €40,800 | €30,600 | €20,400 | ▼ 33.3% |
| Furniture and vehicles24 | - | - | - | - | €34,495 | €26,174 | €17,852 | €44,471 | ▲ 149% |
| Assets under construction and advance payments27 | - | - | - | €2,401 | - | - | - | - | - |
| Financial fixed assets28 | €180 | - | - | - | €335,606 | €335,606 | €335,606 | €335,606 | = |
| Current assets29/58 | €39,594 | €36,869 | €46,376 | €308,353 | €3,375 | €36,615 | €32,113 | €45,755 | ▲ 42.5% |
| Amounts receivable within one year40/41 | €25,131 | €26,672 | €28,926 | €303,951 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Trade receivables40 | - | - | - | €1,451 | - | - | - | - | - |
| Other amounts receivable41 | - | - | - | €302,500 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Cash at bank and in hand54/58 | €14,463 | €10,197 | €17,449 | €4,402 | €875 | €34,115 | €29,613 | €43,255 | ▲ 46.1% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €368,399 | €348,645 | €355,625 | €371,953 | €424,477 | €439,195 | €416,172 | €446,233 | ▲ 7.2% |
| Equity10/15 | €111,771 | €128,201 | €136,386 | €154,676 | €198,778 | €241,204 | €267,106 | €287,156 | ▲ 7.5% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €105,571 | €122,001 | €130,186 | €148,476 | €192,578 | €235,004 | €260,906 | €280,956 | ▲ 7.7% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | - | - | - | €36,000 | €36,000 | €36,000 | €36,000 | = |
| Distributable reserves133 | - | - | - | €146,616 | €154,718 | €197,144 | €223,046 | €243,096 | ▲ 9.0% |
| Profit (loss) carried forward14 | -€1,684 | - | - | - | - | - | - | - | - |
| Amounts payable17/49 | €256,628 | €220,444 | €219,240 | €217,277 | €225,699 | €197,991 | €149,066 | €159,077 | ▲ 6.7% |
| Amounts payable after more than one year17 | €202,289 | €164,929 | €169,036 | €128,229 | €115,331 | €88,025 | €60,037 | €4,802 | ▼ 92.0% |
| Financial debts170/4 | - | - | - | €128,229 | €115,331 | €88,025 | €60,037 | €4,802 | ▼ 92.0% |
| Amounts payable within one year42/48 | €54,338 | €55,516 | €50,204 | €89,048 | €110,368 | €109,966 | €89,029 | €154,275 | ▲ 73.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €37,620 | €30,639 | €30,874 | €31,625 | €7,040 | ▼ 77.7% |
| Trade debts44 | €5,208 | €6,345 | €1,713 | - | €2,717 | €5,183 | €442 | €1,486 | ▲ 236% |
| Suppliers440/4 | - | - | - | - | €2,717 | €5,183 | €442 | €1,486 | ▲ 236% |
| Taxes, remuneration and social security45 | - | - | - | €12,253 | €13,724 | €22,135 | €13,332 | €6,093 | ▼ 54.3% |
| Taxes450/3 | - | - | - | €6,981 | €12,783 | €20,500 | €11,136 | €3,800 | ▼ 65.9% |
| Remuneration and social security454/9 | - | - | - | €5,273 | €941 | €1,635 | €2,195 | €2,294 | ▲ 4.5% |
| Other amounts payable47/48 | - | - | - | €39,175 | €63,288 | €51,774 | €43,630 | €139,655 | ▲ 220% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,214 | €16,429 | €8,185 | €18,290 | €44,102 | €42,425 | €25,902 | €20,050 | ▼ 22.6% |
| + Depreciation and write-downs630 | €38,283 | €38,874 | €40,112 | €15,720 | €17,313 | €18,522 | €18,522 | €16,645 | ▼ 10.1% |
| Operating cash flow (approximation) | €32,069 | €55,303 | €48,297 | €34,010 | €61,416 | €60,947 | €44,424 | €36,695 | ▼ 17.4% |
| Investment in fixed assets (approximation) | - | -€21,845 | -€37,586 | €229,929 | -€374,814 | €0 | €0 | -€33,064 | - |
| Change in cash | - | -€4,266 | €7,252 | -€13,048 | -€3,526 | €33,240 | -€4,501 | €13,642 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 20 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-07-2026 | 2026-00375516 |
| 31-12-2024 | micro format | 28-08-2025 | 2025-00444058 |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00436973 |
| 31-12-2022 | micro format | 29-09-2023 | 2023-00466581 |
| 31-12-2021 | micro format | 17-10-2022 | 2022-20467335 |
| 31-12-2020 | micro format | 30-07-2021 | 2021-44300226 |
| 31-12-2019 | micro format | 31-08-2020 | 2020-50200405 |
| 31-12-2018 | micro format | 30-09-2019 | 2019-67000214 |
| 31-12-2017 | micro format | 17-08-2018 | 2018-47200230 |
| 31-12-2016 | micro format | 28-08-2017 | 2017-48800099 |
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Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,208. 2,733 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.