ASSURTRADE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €332k and a net result of €94k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 3325 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
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 26-05-2025, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
66 d early
2023
85 d early
2022
25 d late
2021
23 d late
2020
40 d early
2019
36 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€332k▲ 31.5%
2023 · €252k
2018: €42k
2019: €55k
2020: €117k
2021: €178k
2022: €200k
2023: €252k
2018 → 2024
Net result
€94k▲ 57.1%
2023 · €60k
2018: €18k
2019: €33k
2020: €63k
2021: €61k
2022: €32k
2023: €60k
2018 → 2024
Total assets
€502k▲ 18.9%
2023 · €422k
2018: €188k
2019: €206k
2020: €252k
2021: €396k
2022: €356k
2023: €422k
2018 → 2024
Solvency
66.0%▲ 6.3pp
2023 · 59.7%
2018: 22.3%
2019: 26.5%
2020: 46.5%
2021: 45.1%
2022: 56.3%
2023: 59.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€117k-€178k▲ 52.2%€200k▲ 12.3%€252k▲ 25.7%€332k▲ 31.5%
Operating result€93k-€91k▼ 2.1%€48k▼ 47.2%€90k▲ 86.1%€140k▲ 56.5%
Net result€63k-€61k▼ 2.3%€32k▼ 48.5%€60k▲ 90.7%€94k▲ 57.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 57% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €502k
Fixed assets
€307k▼ 12.5%
Current assets
€195k▲ 173%
Equity and liabilities €502k
Equity
€332k▲ 31.5%
Debt
€171k▲ 0.3%
The debt ratio falls from 40.3% to 34.0%. Equity and debt are higher.
Key figures and ratios
Solvency
66.0%▲
2023 · 59.7%
ROE
28.5%▲
2023 · 23.8%
ROA
18.8%▲
2023 · 14.2%
Debt
€171k▲
2023 · €170k
Debt ≤ 1 year
€87k▲
2023 · €66k
Debt > 1 year
€84k▼
2023 · €104k
Income taxes
€43k▲
2023 · €26k
Staff costs
€117k▼
2023 · €121k
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€422k€502k▲
Fixed assets21/28€351k€307k▼
Tangible fixed assets22/27€351k€307k▼
Land and buildings22€182k€174k▼
Plant, machinery and equipment23€44k€37k▼
Furniture and vehicles24€125k€96k▼
Current assets29/58€71k€195k▲
Amounts receivable within one year40/41€2k€15k▲
Other amounts receivable41€2k€15k▲
Cash at bank and in hand54/58€39k€149k▲
Deferred charges and accrued income490/1€31k€32k▲
Equity and liabilities
Total equity and liabilities10/49€422k€502k▲
Equity10/15€252k€332k▲
Contributions10/11€20k€20k=
Reserves13€226k€305k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€224k€303k▲
Profit (loss) carried forward14€7k€7k▲
Amounts payable17/49€170k€171k▲
Amounts payable after more than one year17€104k€84k▼
Financial debts170/4€104k€84k▼
Amounts payable within one year42/48€66k€87k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€7k€17k▲
Suppliers440/4€7k€17k▲
Taxes, remuneration and social security45€25k€29k▲
Taxes450/3€13k€10k▼
Remuneration and social security454/9€12k€19k▲
Other amounts payable47/48€14k€20k▲
Accrued charges and deferred income492/3-€439
Income statement
Code20232024
Remuneration, social security and pensions62€121k€117k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€44k▲
Other operating charges640/8€37k€12k▼
Gross operating margin9900€285k€313k▲
Operating profit (loss)9901€90k€140k▲
Financial income75/76B€2€89▲
Recurring financial income75€2€89▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€87k€137k▲
Income taxes67/77€26k€43k▲
Profit (loss) for the period9904€60k€94k▲
Profit (loss) for the period to be appropriated9905€60k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€101k▲
Profit (loss) brought forward from the previous period14P€6k€7k▲
Transfer from equity791/2€9k€10k▲
Transfer to equity691/2€60k€89k▲
To other reserves6921€60k€89k▲
Profit to be distributed694/7€9k€15k▲
Return on contributions (dividend)694€9k€10k▲
Employees696-€5k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €94k ▲57.1%
Operating result €140k, net result €94k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.25
Current ratio from 1.08 to 2.25.
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €200kEq €200k ▲12.3%
5 profitable years in a row build equity to €200k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Equity above €150kEq €178k ▲52.2%
4 profitable years in a row build equity to €178k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 1.94
Current ratio from 0.95 to 1.94; short-term debt falls from €61k to €56k.
31-12
Financial
Equity above €100kEq €117k ▲115%
3 profitable years in a row build equity to €117k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
01-07
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
4 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, Libramont-Chevigny · 2 establishment units since 2008
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.
Libramont,Rue de la Gare 456800 Libramont-ChevignyGround area
345 m²
Building footprint
101 m²
Parcel 83034A0507/00F002, Wallonia. Linked by address, not a title deed.
2 establishment units
ASSURTRADE
since 20082.168.193.785
ARGENTA
since 20122.221.575.261
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034A0507/00F002 | Wallonia | 345 m² | 1 · 101 m² | - |
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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IMMO DOUWES
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SOFIRI
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2007
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.