ASSUVER
ActiveSummary
ASSUVER has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €241,960 and a net result of €2,333. Equity remains stable across the filed fiscal years (±2.2% per year). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-5
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 29.87 against 13.2 in 2024; short-term debt: 3% and cash: 49.3% of total assets), and 3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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
97%
Return on assets
0.9%
Age of the figures
9 mo
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
11 d late
2023
36 d early
2022
84 d early
2021
54 d early
2020
54 d early
2019
39 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 43 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€241,960▲ 1.0%
2024 · €239,627
Total assets
€249,361▼ 2.7%
2024 · €256,272
Net result
€2,333▼ 81.9%
2024 · €12,900
Working capital
€213,671▲ 5.2%
2024 · €203,060
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,956▼ 49.3%-€1,045€6,450€750▼ 88.4%€775▲ 3.3%
Net result€5,058▼ 24.9%€1,031▼ 79.6%€4,324▲ 320%€12,900▲ 198%€2,333▼ 81.9%
Equity€222,972▲ 1.9%€223,203▲ 0.1%€226,727▲ 1.6%€239,627▲ 5.7%€241,960▲ 1.0%
Total assets€258,004▼ 4.5%€253,209▼ 1.9%€247,709▼ 2.2%€256,272▲ 3.5%€249,361▼ 2.7%
Debt€35,032▼ 32.0%€30,007▼ 14.3%€20,982▼ 30.1%€16,645▼ 20.7%€7,400▼ 55.5%
Working capital€164,400▲ 8.8%€170,857▲ 3.9%€181,424▲ 6.2%€203,060▲ 11.9%€213,671▲ 5.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249,361
Fixed assets
€28,289 ▼ 22.6%
Current assets
€221,072 ▲ 0.6%
Equity and liabilities €249,361
Equity
€241,960 ▲ 1.0%
Debt
€7,400 ▼ 55.5%
Debt's share of the balance-sheet total falls from 6.5% to 3.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16,574▼
2024 · €17,635
Cash flow
€18,133▼
2024 · €29,785
Current ratio
29.87▲
2024 · 13.20
Debt to equity
0.03▼
2024 · 0.07
ROE
1.0%▼
2024 · 5.4%
ROA
0.9%▼
2024 · 5.0%
Interest coverage
154.68▲
2024 · 148.21
Debt ≤ 1 year
€7,400▼
2024 · €16,645
Income taxes
€1,339▼
2024 · €6,767
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,018 | €16,165 | €16,776 | €16,885 | €15,800 | ▼ 6.4% |
| Other operating charges640/8 | €1,548 | €3,552 | €2,110 | €1,937 | €2,060 | ▲ 6.4% |
| Gross operating margin9900 | €21,522 | €18,672 | €25,335 | €19,572 | €18,635 | ▼ 4.8% |
| Operating profit (loss)9901 | €3,956 | -€1,045 | €6,450 | €750 | €775 | ▲ 3.3% |
| Financial income75/76B | €3,853 | €2,649 | €145 | €19,036 | €3,004 | ▼ 84.2% |
| Recurring financial income75 | €3,853 | €2,649 | €145 | €19,036 | €3,004 | ▼ 84.2% |
| Financial charges65/66B | €344 | €271 | €192 | €119 | €107 | ▼ 10.0% |
| Recurring financial charges65 | €344 | €271 | €192 | €119 | €107 | ▼ 10.0% |
| Profit (loss) for the period before taxes9903 | €7,464 | €1,332 | €6,403 | €19,667 | €3,672 | ▼ 81.3% |
| Income taxes67/77 | €2,406 | €302 | €2,079 | €6,767 | €1,339 | ▼ 80.2% |
| Profit (loss) for the period9904 | €5,058 | €1,031 | €4,324 | €12,900 | €2,333 | ▼ 81.9% |
| Profit (loss) for the period to be appropriated9905 | €5,058 | €1,031 | €4,324 | €12,900 | €2,333 | ▼ 81.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €258,004 | €253,209 | €247,709 | €256,272 | €249,361 | ▼ 2.7% |
| Fixed assets21/28 | €79,222 | €65,990 | €52,003 | €36,567 | €28,289 | ▼ 22.6% |
| Tangible fixed assets22/27 | €79,222 | €65,990 | €52,003 | €36,567 | €28,289 | ▼ 22.6% |
| Land and buildings22 | €29,445 | €29,095 | €25,667 | €22,238 | €25,937 | ▲ 16.6% |
| Plant, machinery and equipment23 | - | - | €2,325 | €1,767 | €1,209 | ▼ 31.6% |
| Furniture and vehicles24 | €49,777 | €36,894 | €24,012 | €12,562 | €1,143 | ▼ 90.9% |
| Current assets29/58 | €178,783 | €187,220 | €195,705 | €219,704 | €221,072 | ▲ 0.6% |
| Amounts receivable within one year40/41 | €413 | €493 | - | - | €2,999 | - |
| Trade receivables40 | - | - | - | - | €2,999 | - |
| Other amounts receivable41 | €413 | €493 | - | - | - | - |
| Current investments50/53 | €158,618 | €134,728 | €174,728 | €140,000 | €90,000 | ▼ 35.7% |
| Cash at bank and in hand54/58 | €17,459 | €49,800 | €19,437 | €75,524 | €122,907 | ▲ 62.7% |
| Deferred charges and accrued income490/1 | €2,293 | €2,199 | €1,540 | €4,181 | €5,165 | ▲ 23.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €258,004 | €253,209 | €247,709 | €256,272 | €249,361 | ▼ 2.7% |
| Equity10/15 | €222,972 | €223,203 | €226,727 | €239,627 | €241,960 | ▲ 1.0% |
| Contributions10/11 | €9,296 | €9,296 | €9,296 | €9,296 | €9,296 | = |
| Capital10 | €9,296 | - | - | - | - | - |
| Issued capital100 | €18,592 | - | - | - | - | - |
| Uncalled capital101 | €9,296 | - | - | - | - | - |
| Reserves13 | €211,019 | €212,049 | €216,374 | €229,274 | €231,607 | ▲ 1.0% |
| Non-distributable reserves130/1 | €26,218 | €26,218 | - | - | - | - |
| Legal reserve130 | €26,218 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €26,218 | - | - | - | - |
| Distributable reserves133 | €184,800 | €185,831 | €216,374 | €229,274 | €231,607 | ▲ 1.0% |
| Profit (loss) carried forward14 | €2,657 | €1,857 | €1,057 | €1,057 | €1,057 | = |
| Amounts payable17/49 | €35,032 | €30,007 | €20,982 | €16,645 | €7,400 | ▼ 55.5% |
| Amounts payable after more than one year17 | €20,650 | €13,644 | €6,561 | - | - | - |
| Financial debts170/4 | €20,650 | €13,644 | €6,561 | - | - | - |
| Amounts payable within one year42/48 | €14,382 | €16,362 | €14,282 | €16,645 | €7,400 | ▼ 55.5% |
| Current portion of amounts payable after more than one year42 | €6,929 | €7,006 | €7,083 | €6,561 | - | - |
| Trade debts44 | €911 | €4,996 | €1,402 | €1,553 | €294 | ▼ 81.1% |
| Suppliers440/4 | €911 | €4,996 | €1,402 | €1,553 | €294 | ▼ 81.1% |
| Taxes, remuneration and social security45 | €482 | - | €2,035 | €7,274 | €5,832 | ▼ 19.8% |
| Taxes450/3 | €482 | - | €2,035 | €7,274 | €5,832 | ▼ 19.8% |
| Other amounts payable47/48 | €6,061 | €4,361 | €3,761 | €1,256 | €1,275 | ▲ 1.5% |
| Accrued charges and deferred income492/3 | - | - | €139 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,058 | €1,031 | €4,324 | €12,900 | €2,333 | ▼ 81.9% |
| + Depreciation and write-downs630 | €16,018 | €16,165 | €16,776 | €16,885 | €15,800 | ▼ 6.4% |
| Operating cash flow (approximation) | €21,076 | €17,196 | €21,100 | €29,785 | €18,133 | ▼ 39.1% |
| Investment in fixed assets (approximation) | - | -€2,933 | -€2,789 | -€1,449 | -€7,521 | ▼ 419% |
| Change in cash | - | €32,341 | -€30,363 | €56,087 | €47,384 | ▼ 15.5% |
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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 29.87
Current ratio from 13.20 to 29.87; short-term debt falls from €16,645 to €7,400.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Highest result since 2018net €12,900 ▲198%
Net result €12,900, the highest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €1,031 ▼79.6%
Net result drops to €1,031, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 5.25
Current ratio from 2.51 to 5.25; short-term debt falls from €99,572 to €39,140.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Leuven · 1 establishment unit since 1990
Ground area
487 m²
Building footprint
111 m²
Volume, LiDAR
582 m³
Parcel 24126D0355/00M002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Eikenbergstraat 21, 3012 Leuven
since 19902.050.752.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126D0355/00M002 | Flanders | 487 m² | 1 · 111 m² | 7.7 m · 2 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.
Identification & contact
Identification
Legal formPrivate limited company
Founded27-11-1990
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0442102937
Also
9925:BE0442102937
Registered
05-12-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.