Summary
Assuver 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 €1.4m and a net result of €18,469. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 494 sector peers (fiscal year 2025). The company has been active since 1983 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
26 d late
2022
24 d late
2021
30 d late
2020
23 d late
2019
97 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after 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 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#8 oldest company in Spiere-Helkijn
Equity
€1.4m▲ 1.3%
2024 · €1.4m
Net result
€18,469▼ 51.5%
2024 · €38,063
Total assets
€1.5m▲ 1.1%
2024 · €1.4m
Solvency
97.6%▲ 0.2pp
2024 · 97.4%
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
Line20212022202320242025
Operating result€193,365▼ 5.6%€18,354▼ 90.5%€203,654▲ 1,010%€184▼ 99.9%-€3,805
Net result€144,060within the sector's middle half▼ 5.6%€16,673within the sector's middle half▼ 88.4%€185,124within the sector's middle half▲ 1,010%€38,063within the sector's middle half▼ 79.4%€18,469within the sector's middle half▼ 51.5%
Equity€1.2mabove the sector's middle half▲ 14.2%€1.2mabove the sector's middle half▲ 1.4%€1.4mabove the sector's middle half▲ 15.7%€1.4mabove the sector's middle half▲ 2.8%€1.4mwithin the sector's middle half▲ 1.3%
Total assets€1.3mwithin the sector's middle half▼ 13.9%€1.3mwithin the sector's middle half▲ 3.8%€1.7mwithin the sector's middle half▲ 26.5%€1.4mwithin the sector's middle half▼ 14.7%€1.5mwithin the sector's middle half▲ 1.1%
Debt€123,661▼ 74.0%€156,031▲ 26.2%€324,363▲ 108%€37,649▼ 88.4%€35,421▼ 5.9%
Working capital€1.2mabove the sector's middle half▲ 14.2%€1.2mabove the sector's middle half▲ 1.4%€1.4mabove the sector's middle half▲ 15.8%€1.4mabove the sector's middle half▲ 2.8%€1.4mabove the sector's middle half▲ 1.3%
Solvency90.4%above the sector's middle half▲ 22.2pp88.3%above the sector's middle half▼ 2.1pp80.8%above the sector's middle half▼ 7.5pp97.4%above the sector's middle half▲ 16.6pp97.6%above the sector's middle half▲ 0.2pp
Current ratio10.36above the sector's middle half▲ 7.238.52above the sector's middle half▼ 1.835.19above the sector's middle half▼ 3.3338.11above the sector's middle half▲ 32.9241.21above the sector's middle half▲ 3.10
Return on assets (ROA)11.2%within the sector's middle half▲ 1.0pp1.3%below the sector's middle half▼ 10.0pp11.0%within the sector's middle half▲ 9.7pp2.6%within the sector's middle half▼ 8.3pp1.3%within the sector's middle half▼ 1.4pp
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.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3,805 after €184 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€3,252 =
Current assets
€1.5m ▲ 1.1%
Equity and liabilities €1.5m
Equity
€1.4m ▲ 1.3%
Debt
€35,421 ▼ 5.9%
Debt's share of the balance-sheet total falls from 2.6% to 2.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.3%▼
2024 · 2.7%
Debt ≤ 1 year
€35,214▼
2024 · €37,649
Income taxes
€8,689▼
2024 · €14,361
Staff costs
€114,609▲
2024 · €106,550
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €171,628 | €206,870 | €104,571 | €106,550 | €114,609 | ▲ 7.6% |
| Other operating charges640/8 | €3,087 | €3,552 | €15,438 | €750 | €2,435 | ▲ 225% |
| Gross operating margin9900 | €368,081 | €228,776 | €323,663 | €107,484 | €113,239 | ▲ 5.4% |
| Operating profit (loss)9901 | €193,365 | €18,354 | €203,654 | €184 | -€3,805 | ▼ 2,163% |
| Financial income75/76B | €44 | €6,721 | €46,073 | €53,085 | €31,810 | ▼ 40.1% |
| Recurring financial income75 | €44 | €6,721 | €46,073 | €53,085 | €31,810 | ▼ 40.1% |
| Financial charges65/66B | €798 | €747 | €876 | €846 | €847 | ▲ 0.1% |
| Recurring financial charges65 | €798 | €747 | €876 | €846 | €847 | ▲ 0.1% |
| Profit (loss) for the period before taxes9903 | €192,612 | €24,328 | €248,851 | €52,423 | €27,159 | ▼ 48.2% |
| Income taxes67/77 | €48,552 | €7,655 | €63,727 | €14,361 | €8,689 | ▼ 39.5% |
| Profit (loss) for the period9904 | €144,060 | €16,673 | €185,124 | €38,063 | €18,469 | ▼ 51.5% |
| Profit (loss) for the period to be appropriated9905 | €144,060 | €16,673 | €185,124 | €38,063 | €18,469 | ▼ 51.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.3m | €1.7m | €1.4m | €1.5m | ▲ 1.1% |
| Fixed assets21/28 | €3,252 | €3,252 | €3,252 | €3,252 | €3,252 | = |
| Tangible fixed assets22/27 | €3,252 | €3,252 | €3,252 | €3,252 | €3,252 | = |
| Land and buildings22 | €3,252 | €3,252 | €3,252 | €3,252 | €3,252 | = |
| Current assets29/58 | €1.3m | €1.3m | €1.7m | €1.4m | €1.5m | ▲ 1.1% |
| Amounts receivable within one year40/41 | €1.2m | €1.3m | €1.7m | €1.4m | €1.4m | ▲ 2.2% |
| Trade receivables40 | €16,359 | €8,094 | €8,003 | €139,241 | €14,369 | ▼ 89.7% |
| Other amounts receivable41 | €1.2m | €1.3m | €1.7m | €1.3m | €1.4m | ▲ 12.2% |
| Cash at bank and in hand54/58 | €74,728 | €35,440 | €17,335 | €20,055 | €5,534 | ▼ 72.4% |
| Deferred charges and accrued income490/1 | - | - | - | €152 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.3m | €1.7m | €1.4m | €1.5m | ▲ 1.1% |
| Equity10/15 | €1.2m | €1.2m | €1.4m | €1.4m | €1.4m | ▲ 1.3% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €1.1m | €1.1m | €1.3m | €1.3m | €1.3m | ▲ 1.5% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | €1.1m | €1.1m | €1.3m | €1.3m | €1.3m | ▲ 1.5% |
| Profit (loss) carried forward14 | €5,806 | €2,479 | €2,603 | €10,666 | €9,135 | ▼ 14.4% |
| Amounts payable17/49 | €123,661 | €156,031 | €324,363 | €37,649 | €35,421 | ▼ 5.9% |
| Amounts payable within one year42/48 | €123,661 | €156,031 | €324,363 | €37,649 | €35,214 | ▼ 6.5% |
| Trade debts44 | €80,427 | €144,667 | €296,465 | €1,500 | €1,750 | ▲ 16.7% |
| Suppliers440/4 | €80,427 | €144,667 | €296,465 | €1,500 | €1,750 | ▲ 16.7% |
| Taxes, remuneration and social security45 | €43,234 | €11,364 | €27,898 | €36,149 | €33,464 | ▼ 7.4% |
| Taxes450/3 | €12,768 | €630 | €16,525 | €21,201 | €16,153 | ▼ 23.8% |
| Remuneration and social security454/9 | €30,466 | €10,734 | €11,373 | €14,948 | €17,310 | ▲ 15.8% |
| Other amounts payable47/48 | - | - | €0 | €0 | €0 | - |
| Accrued charges and deferred income492/3 | - | - | €0 | €0 | €207 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €144,060 | €16,673 | €185,124 | €38,063 | €18,469 | ▼ 51.5% |
| Operating cash flow (approximation) | €144,060 | €16,673 | €185,124 | €38,063 | €18,469 | ▼ 51.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€39,287 | -€18,106 | €2,720 | -€14,522 | ▼ 634% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Liquidity times 7current ratio 38.11
Current ratio from 5.19 to 38.11; short-term debt falls from €324,363 to €37,649.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €185,124 ▲1,010%
Net result €185,124, the highest in the series.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €16,673 ▼88.4%
Net result drops to €16,673, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 10.36
Current ratio from 3.13 to 10.36; short-term debt falls from €475,332 to €123,661.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
31-12
Financial
Equity above €1mEq €1.0m ▲17.7%
3 profitable years in a row build equity to €1.0m.
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 97 days late
Show earlier events
2019
31-12
Financial
Liquidity times 6current ratio 16.02
Current ratio from 2.52 to 16.02; short-term debt falls from €484,061 to €57,406.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Spiere-Helkijn · 1 establishment unit since 1983
Ground area
1.4 ha
Building footprint
1,408 m²
Volume, LiDAR
11,559 m³
Parcel 34036A0196/00Z003, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
ASSUVER
since 19832.022.257.879
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34036A0196/00Z003 | Flanders | 1.4 ha | 1 · 1,408 m² | 9.0 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.
Structure & network
Owners and holdings
1 ownerChain of control
- Vermaro - Invest
- Assuver
Highest known parent: Vermaro - Invest. The sources do not say who stands above it.
Owners 1
- Vermaro - Investparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 1,918 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded23-03-1983
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
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