Summary
Assurval 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 €16,458 and a net result of €9,375. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 14% of 2463 sector peers (fiscal year 2025). The company has been active since 2021 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 2463 sector peers (2025).
NBB · sector comparisonPosition among 2463 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-04-2026, 95 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
95 d early
2024
44 d early
2023
57 d late
2022
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 22 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 7 July (3 of the last 4 filed years within 71 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€16,458▼ 61.2%
2024 · €42,377
Net result
€9,375▼ 62.5%
2024 · €24,978
Total assets
€247,048▼ 7.2%
2024 · €266,169
Solvency
6.7%▼ 9.3pp
2024 · 15.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Turnover€176,679-€246,036▲ 39.3%
Operating result€21,147-€16,795▼ 20.6%€40,085▲ 139%€19,177▼ 52.2%
Net result€16,790within the sector's middle half-€6,609within the sector's middle half▼ 60.6%€24,978within the sector's middle half▲ 278%€9,375within the sector's middle half▼ 62.5%
Equity€16,790below the sector's middle half-€17,399below the sector's middle half▲ 3.6%€42,377within the sector's middle half▲ 144%€16,458below the sector's middle half▼ 61.2%
Total assets€288,182within the sector's middle half-€282,556within the sector's middle half▼ 2.0%€266,169within the sector's middle half▼ 5.8%€247,048within the sector's middle half▼ 7.2%
Debt€271,392-€265,157▼ 2.3%€223,792▼ 15.6%€230,590▲ 3.0%
Working capital€6,563within the sector's middle half--€17,814below the sector's middle half€1,906within the sector's middle half-€32,085below the sector's middle half
Solvency5.8%below the sector's middle half-6.2%below the sector's middle half▲ 0.3pp15.9%below the sector's middle half▲ 9.8pp6.7%below the sector's middle half▼ 9.3pp
Current ratio1.13within the sector's middle half-0.66below the sector's middle half▼ 0.481.04within the sector's middle half▲ 0.380.59below the sector's middle half▼ 0.45
Return on assets (ROA)5.8%within the sector's middle half-2.3%within the sector's middle half▼ 3.5pp9.4%within the sector's middle half▲ 7.0pp3.8%within the sector's middle half▼ 5.6pp
Staff (FTE)2-2=2=2=
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 falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247,048
Fixed assets
€200,033 ▼ 8.6%
Current assets
€47,015 ▼ 0.4%
Equity and liabilities €247,048
Equity
€16,458 ▼ 61.2%
Debt
€230,590 ▲ 3.0%
Debt's share of the balance-sheet total rises from 84.1% to 93.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
57.0%▼
2024 · 58.9%
Debt ≤ 1 year
€79,101▲
2024 · €45,313
Debt > 1 year
€151,489▼
2024 · €178,479
Income taxes
€4,505▼
2024 · €8,675
Staff costs
€50,053▲
2024 · €41,853
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | €176,679 | €246,036 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €112,833 | €157,873 | - | - | - |
| Remuneration, social security and pensions62 | €23,145 | €46,624 | €41,853 | €50,053 | ▲ 19.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19,212 | €28,084 | €30,530 | €31,232 | ▲ 2.3% |
| Other operating charges640/8 | €348 | €859 | €930 | €1,151 | ▲ 23.8% |
| Gross operating margin9900 | €63,851 | €92,362 | €113,397 | €101,614 | ▼ 10.4% |
| Operating profit (loss)9901 | €21,147 | €16,795 | €40,085 | €19,177 | ▼ 52.2% |
| Financial income75/76B | €3 | €31 | €4 | €8 | ▲ 92.0% |
| Recurring financial income75 | €3 | €31 | €4 | €8 | ▲ 92.0% |
| Financial charges65/66B | €1,986 | €7,059 | €6,436 | €5,304 | ▼ 17.6% |
| Recurring financial charges65 | €1,986 | €7,059 | €6,436 | €5,304 | ▼ 17.6% |
| Profit (loss) for the period before taxes9903 | €19,163 | €9,767 | €33,653 | €13,880 | ▼ 58.8% |
| Income taxes67/77 | €2,373 | €3,158 | €8,675 | €4,505 | ▼ 48.1% |
| Profit (loss) for the period9904 | €16,790 | €6,609 | €24,978 | €9,375 | ▼ 62.5% |
| Profit (loss) for the period to be appropriated9905 | €16,790 | €6,609 | €24,978 | €9,375 | ▼ 62.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €288,182 | €282,556 | €266,169 | €247,048 | ▼ 7.2% |
| Fixed assets21/28 | €232,354 | €248,270 | €218,950 | €200,033 | ▼ 8.6% |
| Intangible fixed assets21 | €231,177 | €206,177 | €181,177 | €156,177 | ▼ 13.8% |
| Tangible fixed assets22/27 | €1,177 | €42,092 | €37,772 | €43,855 | ▲ 16.1% |
| Plant, machinery and equipment23 | €0 | - | - | - | - |
| Furniture and vehicles24 | €1,177 | €5,561 | €3,980 | €6,024 | ▲ 51.3% |
| Other tangible fixed assets26 | - | €36,531 | €33,792 | €37,831 | ▲ 12.0% |
| Current assets29/58 | €55,828 | €34,286 | €47,220 | €47,015 | ▼ 0.4% |
| Amounts receivable within one year40/41 | €26,261 | €6,481 | €18,562 | €24,174 | ▲ 30.2% |
| Trade receivables40 | €11,741 | €6,481 | €16,796 | €23,679 | ▲ 41.0% |
| Other amounts receivable41 | €14,520 | €0 | €1,766 | €495 | ▼ 72.0% |
| Cash at bank and in hand54/58 | €26,612 | €25,816 | €26,311 | €20,367 | ▼ 22.6% |
| Deferred charges and accrued income490/1 | €2,955 | €1,989 | €2,347 | €2,475 | ▲ 5.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €288,182 | €282,556 | €266,169 | €247,048 | ▼ 7.2% |
| Equity10/15 | €16,790 | €17,399 | €42,377 | €16,458 | ▼ 61.2% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | €6,790 | €7,399 | €32,377 | €6,458 | ▼ 80.1% |
| Amounts payable17/49 | €271,392 | €265,157 | €223,792 | €230,590 | ▲ 3.0% |
| Amounts payable after more than one year17 | €222,127 | €213,056 | €178,479 | €151,489 | ▼ 15.1% |
| Financial debts170/4 | €222,127 | €213,056 | €178,479 | €151,489 | ▼ 15.1% |
| Amounts payable within one year42/48 | €49,264 | €52,101 | €45,313 | €79,101 | ▲ 74.6% |
| Current portion of amounts payable after more than one year42 | €22,369 | €35,847 | €34,578 | €26,990 | ▼ 21.9% |
| Trade debts44 | €3,181 | €2,259 | €795 | €507 | ▼ 36.2% |
| Suppliers440/4 | €3,181 | €2,259 | €795 | €507 | ▼ 36.2% |
| Taxes, remuneration and social security45 | €8,860 | €7,932 | €9,941 | €19,154 | ▲ 92.7% |
| Taxes450/3 | €2,373 | €3,158 | €4,953 | €5,294 | ▲ 6.9% |
| Remuneration and social security454/9 | €6,487 | €4,773 | €4,989 | €13,860 | ▲ 178% |
| Other amounts payable47/48 | €14,855 | €6,064 | €0 | €32,450 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,790 | €6,609 | €24,978 | €9,375 | ▼ 62.5% |
| + Depreciation and write-downs630 | €19,212 | €28,084 | €30,530 | €31,232 | ▲ 2.3% |
| Operating cash flow (approximation) | €36,002 | €34,692 | €55,508 | €40,607 | ▼ 26.8% |
| Investment in fixed assets (approximation) | - | -€43,999 | -€1,210 | -€12,315 | ▼ 918% |
| Change in cash | - | -€795 | €494 | -€5,944 | ▼ 1,303% |
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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €24,978 ▲278%
Operating result €40,085, net result €24,978, both a record.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet €6,609 ▼60.6%
Net result drops to €6,609, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, La Louvière · 1 establishment unit since 2021
Ground area
163 m²
Building footprint
65 m²
Volume, LiDAR
544 m³
Parcel 56033A0628/00R017, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Assurval
since 20212.321.894.443
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56033A0628/00R017 | Wallonia | 163 m² | 1 · 65 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 4,674 companies in sector 66220 we hold annual accounts for 3,222. 1,367 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.