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ASTUCE CREDIT srl

Active
Private limited companyfounded 2005active for 21 yearsRue Surfosse 2, 4577 Modave, BelgiumKBO/BCE: BE 0871.666.249

The file of ASTUCE CREDIT srl contains 3 judicial reorganisation notices, as published in the Belgian Official Gazette.

Summary

For ASTUCE CREDIT srl, one annual filing is missing. The 2024 annual accounts show negative equity (-€55,272) and a net result of €60,096. Equity has been stable since 2019 (±2% per year). Its solvency ranks better than 5% of 3,244 sector peers (NACE 66, financial year 2024).

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ASTUCE CREDIT srlActive
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Overview

Official details

Source: KBO
Status
Active since 03-02-2005 Normal situation
Activity
Insurance agents and brokers NACE 66220
Establishment unit
2.145.231.412 4577 Modave, since 26-01-2005
Financial year end
31 December
Peppol
Reachable since 13-05-2025
Company details

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2024
Profit
€60,096
▲ 31.9%
Equity
-€55,272
▲ 52.1%
Total assets
€174,524
▲ 92.1%
Staff
≈ 0 FTE
estimated
  • Negative equity on 31-12-2024
  • 2025 accounts not filed, 96 days past the deadline
Financials
Signalsraises riskWeak solvency compared with the sectorReorganisation plan being carried outAnnual accounts not filed2024 accounts filed 176 days lateShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Filing: One annual filing is missing
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

Four signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3244 sector peers (2024).
NBB · sector comparison
Position among 3244 sector peers
Solvency
better than 5%
← weakest strongest →
raises risk · Reorganisation plan being carried out
The court approved the reorganisation plan on 04-06-2024 (Belgian Official Gazette 11-06-2024); the company is now carrying it out. Of plans in their second or third year, about 1 in 10 still ends in bankruptcy within twelve months.
Belgian Official Gazette
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 96 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline04-11-2026 today
raises risk · 2024 accounts filed 176 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-01-2026, 176 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
176 days late
2023
122 days late
2022
134 days late
2021
499 days late
2020
165 days late
2019
4 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 182 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2024 -€55,272 View
  • Caution: Lower solvency than 95% of companies in auxiliary financial servicessector median 49.5% · 3,244 companies -31.7% View
  • Positive: Equity rose in 2024from -€115,368 to -€55,272 ▲ 52.1% View

Recent changes

  1. · Judicial reorganisation Plan homologationEnterprise Court of Liège · judgment of 04-06-2024
  2. · Judicial reorganisation ExtensionEnterprise Court of Liège · collective agreement · judgment of 26-03-2024
  3. · Judicial reorganisation Judicial reorganisation openedEnterprise Court of Liège · collective agreement · judgment of 30-01-2024
All 18 events

Comparable companies

These companies have the same main activity as ASTUCE CREDIT srl: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €135,000 and €231,000, founded between 2003 and 2008.

CompanyTotal assetsGross margin
ASTUCE CREDIT srl Modave€174,524€66,396
ILSBROUKX Nieuwerkerken (Limb.)€190,281€66,788
SCI MANAGEMENT Chimay€169,855€56,245
DEMASSURE Liège€202,660€46,390
J.B.B. ASSURANCES Spa€231,301€84,558
ASSUR 4 IMMO Soumagne€135,136€90,788
Alexégui Home Frasnes-lez-Anvaing€181,028€54,209
Full comparison

Key facts about ASTUCE CREDIT srl
What is the company number of ASTUCE CREDIT srl?
The company number of ASTUCE CREDIT srl is 0871.666.249. The VAT number is the same number with BE in front: BE 0871.666.249.
Where is ASTUCE CREDIT srl based?
The registered office is at Rue Surfosse 2, 4577 Modave.Company details
What does ASTUCE CREDIT srl do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of ASTUCE CREDIT srl?
The legal form of ASTUCE CREDIT srl is Private limited company (BV).
When was ASTUCE CREDIT srl founded?
ASTUCE CREDIT srl was founded on 03-02-2005.
Is ASTUCE CREDIT srl still active?
Yes, ASTUCE CREDIT srl is an active enterprise in the KBO register.
What is the turnover of ASTUCE CREDIT srl?
The turnover in financial year 2024 is ≈ €200,000. This figure is estimated from the gross margin of €66,396 and 2,666 comparable companies of the same size. It probably lies between €130,000 and €350,000. It is a rough estimate.Financials
Is ASTUCE CREDIT srl profitable?
In financial year 2024, ASTUCE CREDIT srl made a profit of €60,096.
Where can I find the annual accounts of ASTUCE CREDIT srl?
ASTUCE CREDIT srl filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

Next steps

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