ASSURYS
ActiveASSURYS has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €193k and a net result of €22k. Equity is shrinking by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 1282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+35
Solvency57▲+8
Growth58=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 17.27 against 15.71 in 2024), but 76.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
23.8%
Return on assets
2.7%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €193k
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
14 d late
2023
5 d early
2022
5 d early
2021
22 d late
2020
4 d early
2019
41 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€193k▲ 12.9%
2024 · €171k
2018: €261k
2019: €218k
2020: €192k
2021: €171k
2022: €167k
2023: €164k
2024: €171k
2018 → 2025
Total assets
€814k▼ 1.0%
2024 · €822k
2018: €675k
2019: €653k
2020: €634k
2021: €608k
2022: €613k
2023: €566k
2024: €822k
2018 → 2025
Net result
€22k▲ 197%
2024 · €7k
2018: €-33k
2019: €-43k
2020: €-26k
2021: €-21k
2022: €-4k
2023: €-3k
2024: €7k
2018 → 2025
Working capital
€191k▲ 26.0%
2024 · €152k
2018: €37k
2019: €4k
2020: €33k
2021: €56k
2022: €111k
2023: €88k
2024: €152k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€171k-€167k▼ 2.4%€164k▼ 1.8%€171k▲ 4.5%€193k▲ 12.9%
Operating result€-21k-€-4k▲ 80.7%€-3k▲ 16.0%€8k€18k▲ 140%
Net result€-21k-€-4k▲ 80.4%€-3k▲ 24.7%€7k€22k▲ 197%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 140% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €814k
Fixed assets
€611k▼ 7.4%
Current assets
€203k▲ 25.2%
Equity and liabilities €814k
Equity
€193k▲ 12.9%
Debt
€621k▼ 4.6%
The debt ratio falls from 79.2% to 76.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€67k▲
2024 · €54k
Cash flow
€71k▲
2024 · €54k
Solvency
23.8%▲
2024 · 20.8%
Current ratio
17.27▲
2024 · 15.71
Quick ratio
17.27▲
2024 · 15.50
Debt / equity
3.21▼
2024 · 3.80
ROE
11.4%▲
2024 · 4.3%
ROA
2.7%▲
2024 · 0.9%
Interest coverage
591.19▲
2024 · 397.20
Debt
€621k▼
2024 · €651k
Debt ≤ 1 year
€12k▲
2024 · €10k
Debt > 1 year
€609k▼
2024 · €640k
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€822k€814k▼
Fixed assets21/28€660k€611k▼
Tangible fixed assets22/27€660k€611k▼
Land and buildings22€383k€360k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€268k€244k▼
Current assets29/58€162k€203k▲
Stocks and contracts in progress3€2k€0▼
Stocks30/36€2k€0▼
Amounts receivable within one year40/41€70k€41k▼
Trade receivables40€150€6k▲
Other amounts receivable41€70k€35k▼
Cash at bank and in hand54/58€88k€161k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€822k€814k▼
Equity10/15€171k€193k▲
Contributions10/11€250k€250k=
Reserves13€21k€21k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€21k€21k=
Profit (loss) carried forward14€-100k€-78k▲
Amounts payable17/49€651k€621k▼
Amounts payable after more than one year17€640k€609k▼
Financial debts170/4€74k€74k=
Other amounts payable178/9€566k€535k▼
Amounts payable within one year42/48€10k€12k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Advances received on contracts in progress46€6k€8k▲
Taxes, remuneration and social security45€622€464▼
Taxes450/3€622€464▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€815€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€49k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€58k€73k▲
Operating profit (loss)9901€8k€18k▲
Financial income75/76B€33€4k▲
Recurring financial income75€33€4k▲
Financial charges65/66B€135€113▼
Recurring financial charges65€135€113▼
Profit (loss) for the period before taxes9903€7k€22k▲
Profit (loss) for the period9904€7k€22k▲
Profit (loss) for the period to be appropriated9905€7k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-100k€-78k▲
Profit (loss) brought forward from the previous period14P€-107k€-100k▲
The notes to these accounts (6 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
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €22k ▲197%
Operating result €18k, net result €22k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after 6 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 15.71
Current ratio from 5.23 to 15.71; short-term debt falls from €21k to €10k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 23.50
Current ratio from 5.57 to 23.50; short-term debt falls from €7k to €3k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity quadruplescurrent ratio 5.57
Current ratio from 1.31 to 5.57; short-term debt falls from €14k to €7k.
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-12
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
KYNDT Bart Lode
CurrentDirector · since 05-01-2024
05-01-2024
Appointed as Director
Location & real-estate footprint
Registered office, Brugge · 2 establishment units since 2007
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.
Azorenstraat 48380 BruggeGround area
3,929 m²
Building footprint
760 m²
Volume, LiDAR
7,333 m³
2 parcels, Flanders, Wallonia · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Assurys bv
since 20072.158.203.676
Château-ferme des Abys
since 20192.301.686.868
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84048B0154/00H000 | Wallonia | 3,318 m² | 1 · 615 m² | 15.6 m · 4 fl. |
| 31812P0186/00A004 | Flanders | 611 m² | 1 · 146 m² | 11.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,435 EUR awarded · 1,435 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 81 EUR | 81 EUR |
| 2024 | 1 | 402 EUR | 402 EUR |
| 2023 | 1 | 482 EUR | 482 EUR |
| 2022 | 1 | 470 EUR | 470 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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K.M.G. INVEST
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Of 2,995 companies in sector 55203 we hold annual accounts for 687. 499 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2006
Fiscal year end31-12
Activities, NACEBEL
55203Holiday cottages, homes and apartments
68201Renting and operating of own or leased residential real estate, excluding social housing
11050Manufacture of beer
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
46341Wholesale of wines and spirits
68203Renting and operating of own or leased non-residential real estate, excluding land
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.