Summary
ASURMA 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 €201k and a net result of €53k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 38% of 2435 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
13 d early
2023
16 d early
2022
12 d early
2021
19 d early
2020
16 d early
2019
7 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€201k▲ 10.3%
2024 · €182k
2018: €49k
2019: €72k
2020: €106k
2021: €126k
2022: €132k
2023: €153k
2024: €182k
2018 → 2025
Net result
€53k▼ 0.5%
2024 · €53k
2018: €18k
2019: €23k
2020: €34k
2021: €20k
2022: €24k
2023: €39k
2024: €53k
2018 → 2025
Total assets
€550k▲ 99.2%
2024 · €276k
2018: €159k
2019: €174k
2020: €196k
2021: €200k
2022: €201k
2023: €244k
2024: €276k
2018 → 2025
Solvency
36.5%▼ 29.4pp
2024 · 65.9%
2018: 30.8%
2019: 41.3%
2020: 54.2%
2021: 63.0%
2022: 65.9%
2023: 62.9%
2024: 65.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€126k-€132k▲ 4.7%€153k▲ 16.0%€182k▲ 18.6%€201k▲ 10.3%
Operating result€33k-€38k▲ 15.1%€59k▲ 57.5%€79k▲ 33.7%€80k▲ 1.3%
Net result€20k-€24k▲ 19.3%€39k▲ 61.3%€53k▲ 37.6%€53k▼ 0.5%
Turnover and EBIT margin not published: the abbreviated or 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 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €550k
Fixed assets
€337k ▲ 977%
Current assets
€212k ▼ 13.3%
Equity and liabilities €550k
Equity
€201k ▲ 10.3%
Debt
€349k ▲ 271%
Debt's share of the balance-sheet total rises from 34.1% to 63.5%. Equity and debt are higher.
Key figures and ratios
ROE
26.4%▼
2024 · 29.3%
ROA
9.6%▼
2024 · 19.3%
Debt ≤ 1 year
€72k▲
2024 · €60k
Debt > 1 year
€260k▲
2024 · €12k
Income taxes
€26k▲
2024 · €25k
Staff costs
€70k▲
2024 · €63k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€276k€550k▲
Fixed assets21/28€31k€337k▲
Tangible fixed assets22/27€31k€337k▲
Land and buildings22-€307k
Plant, machinery and equipment23€178€8k▲
Furniture and vehicles24€31k€22k▼
Current assets29/58€245k€212k▼
Amounts receivable after more than one year29€40k€30k▼
Other amounts receivable291€40k€30k▼
Amounts receivable within one year40/41€72k€49k▼
Trade receivables40€24k€33k▲
Other amounts receivable41€49k€17k▼
Cash at bank and in hand54/58€115k€108k▼
Deferred charges and accrued income490/1€18k€25k▲
Equity and liabilities
Total equity and liabilities10/49€276k€550k▲
Equity10/15€182k€201k▲
Contributions10/11€11k€11k=
Reserves13€171k€190k▲
Distributable reserves133€171k€190k▲
Amounts payable17/49€94k€349k▲
Amounts payable after more than one year17€12k€260k▲
Financial debts170/4€12k€9k▼
Other amounts payable178/9-€250k
Amounts payable within one year42/48€60k€72k▲
Current portion of amounts payable after more than one year42€12k€3k▼
Financial debts43-€8
Credit institutions430/8-€8
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€22k€26k▲
Taxes450/3€5k€6k▲
Remuneration and social security454/9€17k€20k▲
Other amounts payable47/48€25k€34k▲
Accrued charges and deferred income492/3€22k€18k▼
Income statement
Code20242025
Remuneration, social security and pensions62€63k€70k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€18k▼
Other operating charges640/8€15k€15k▼
Gross operating margin9900€182k€183k▲
Operating profit (loss)9901€79k€80k▲
Financial income75/76B€2k€619▼
Recurring financial income75€2k€619▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€78k€79k▲
Income taxes67/77€25k€26k▲
Profit (loss) for the period9904€53k€53k▼
Profit (loss) for the period to be appropriated9905€53k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€53k▼
Profit (loss) brought forward from the previous period14P€11-
Transfer from equity791/2€25k€34k▲
Transfer to equity691/2€53k€53k▼
To other reserves6921€53k€53k▼
Profit to be distributed694/7€25k€34k▲
Return on contributions (dividend)694€25k€34k▲
The notes to these accounts (9 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €201k ▲10.3%
8 profitable years in a row build equity to €201k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €53k ▲37.6%
Net result €53k, the highest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €153k ▲16%
6 profitable years in a row build equity to €153k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €106k ▲47.6%
3 profitable years in a row build equity to €106k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
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.
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, Antwerpen · 1 establishment unit since 2003
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.
Belgiëlei 1412018 AntwerpenGround area
1,361 m²
Building footprint
571 m²
Volume, LiDAR
16,139 m³
2 parcels, Flanders · tallest building 32.1 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
asurma
since 20032.133.784.917
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1198/00B007 | Flanders | 869 m² | 1 · 411 m² | 32.1 m · 10 fl. |
| 11806F1346/00M004 | Flanders | 492 m² | 1 · 160 m² | 30.4 m · 9 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,824 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2003
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.