Summary
B-ASSUR 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 €130,581 and a net result of €29,027. Equity is growing by about 57% per year across the filed financial years. Its solvency ranks better than 51% of 2,991 sector peers (NACE 66, financial year 2025). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
In the rankings
#10 company by equity in Hannut, Finance and insurance sector
Equity
€130,581▲ 22.2%
2024 · €106,830
Net result
€29,027▼ 53.5%
2024 · €62,359
Total assets
€255,217▲ 19.2%
2024 · €214,036
Solvency
51.2%▲ 1.3pp
2024 · 49.9%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 42% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€52,866
2025
Net result€29,027
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€255,217
2025
Equity€130,581
2025
Debt€91,540
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€117,018
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)11.4%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency51.2%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio3.10
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)2.1
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€3,723-€14,760▲ 296%€9,240▼ 37.4%€31,394▲ 240%€37,352▲ 19.0%€40,332▲ 8.0%€90,613▲ 125%€52,866▼ 41.7%
Net result€912-€9,305▲ 920%€3,646within the sector's middle half▼ 60.8%€21,816within the sector's middle half▲ 498%€25,284within the sector's middle half▲ 15.9%€27,484within the sector's middle half▲ 8.7%€62,359within the sector's middle half▲ 127%€29,027within the sector's middle half▼ 53.5%
Equity€4,900-€13,405▲ 174%€16,251below the sector's middle half▲ 21.2%€16,253below the sector's middle half=€31,287below the sector's middle half▲ 92.5%€44,471within the sector's middle half▲ 42.1%€106,830within the sector's middle half▲ 140%€130,581within the sector's middle half▲ 22.2%
Total assets€74,024-€71,478▼ 3.4%€103,640below the sector's middle half▲ 45.0%€99,287below the sector's middle half▼ 4.2%€85,876below the sector's middle half▼ 13.5%€167,300within the sector's middle half▲ 94.8%€214,036within the sector's middle half▲ 27.9%€255,217within the sector's middle half▲ 19.2%
Debt€69,124-€58,073▼ 16.0%€87,389▲ 50.5%€83,034▼ 5.0%€54,588▼ 34.3%€122,829▲ 125%€107,206▼ 12.7%€91,540▼ 14.6%
Working capital€3,111-€11,175▲ 259%€848within the sector's middle half▼ 92.4%€2,791within the sector's middle half▲ 229%€15,675within the sector's middle half▲ 462%€9,978within the sector's middle half▼ 36.3%€64,445within the sector's middle half▲ 546%€117,018within the sector's middle half▲ 81.6%
Solvency6.6%-18.8%▲ 12.1pp15.7%below the sector's middle half▼ 3.1pp16.4%below the sector's middle half▲ 0.7pp36.4%within the sector's middle half▲ 20.1pp26.6%within the sector's middle half▼ 9.9pp49.9%within the sector's middle half▲ 23.3pp51.2%within the sector's middle half▲ 1.3pp
Current ratio1.16-1.62▲ 0.461.03within the sector's middle half▼ 0.601.06within the sector's middle half▲ 0.031.44within the sector's middle half▲ 0.381.18within the sector's middle half▼ 0.272.19within the sector's middle half▲ 1.023.10within the sector's middle half▲ 0.90
Return on assets (ROA)1.2%-13.0%▲ 11.8pp3.5%within the sector's middle half▼ 9.5pp22.0%above the sector's middle half▲ 18.5pp29.4%above the sector's middle half▲ 7.5pp16.4%within the sector's middle half▼ 13.0pp29.1%above the sector's middle half▲ 12.7pp11.4%within the sector's middle half▼ 17.8pp
Staff (FTE)1.2-0.8▼ 33.3%0.9below the sector's middle half▲ 12.5%1▲ 11.1%1=1.2▲ 20.0%1.7▲ 41.7%2.1▲ 23.5%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €255,217
Fixed assets
€82,383 ▼ 13.8%
Current assets
€172,834 ▲ 45.9%
Equity and liabilities €255,217
Equity
€130,581 ▲ 22.2%
Provisions
€33,096
Debt
€91,540 ▼ 14.6%
Debt's share of the balance-sheet total falls from 50.1% to 35.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
22.2%▼
2024 · 58.4%
Debt ≤ 1 year
€55,816▲
2024 · €54,037
Debt > 1 year
€35,724▼
2024 · €53,170
Income taxes
€22,444▼
2024 · €26,648
Staff costs
€74,242▲
2024 · €49,550
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €28,473 | €30,770 | €36,347 | €49,550 | €74,242 | ▲ 49.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,461 | €10,814 | €18,550 | €19,255 | €20,063 | €22,817 | €30,518 | €24,926 | ▼ 18.3% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | - | - | - | €33,096 | - |
| Other operating charges640/8 | - | - | - | €2,272 | €2,816 | €2,334 | €3,913 | €3,233 | ▼ 17.4% |
| Gross operating margin9900 | €34,141 | €40,365 | €57,651 | €81,393 | €91,001 | €101,830 | €174,594 | €188,363 | ▲ 7.9% |
| Operating profit (loss)9901 | €3,723 | €14,760 | €9,240 | €31,394 | €37,352 | €40,332 | €90,613 | €52,866 | ▼ 41.7% |
| Financial income75/76B | - | - | - | €99 | €183 | €27 | €0 | €1 | - |
| Recurring financial income75 | €24 | €3 | €0 | €99 | €183 | €27 | €0 | €1 | - |
| Financial charges65/66B | - | - | - | €2,029 | €1,329 | €883 | €1,606 | €1,397 | ▼ 13.0% |
| Recurring financial charges65 | €1,575 | €1,413 | €2,515 | €2,029 | €1,329 | €883 | €1,606 | €1,397 | ▼ 13.0% |
| Profit (loss) for the period before taxes9903 | €2,172 | €13,350 | €6,725 | €29,464 | €36,205 | €39,476 | €89,007 | €51,470 | ▼ 42.2% |
| Income taxes67/77 | €1,260 | €4,044 | €3,079 | €7,648 | €10,921 | €11,993 | €26,648 | €22,444 | ▼ 15.8% |
| Profit (loss) for the period9904 | €912 | €9,305 | €3,646 | €21,816 | €25,284 | €27,484 | €62,359 | €29,027 | ▼ 53.5% |
| Profit (loss) for the period to be appropriated9905 | €912 | €9,305 | €3,646 | €21,816 | €25,284 | €27,484 | €62,359 | €29,027 | ▼ 53.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €74,024 | €71,478 | €103,640 | €99,287 | €85,876 | €167,300 | €214,036 | €255,217 | ▲ 19.2% |
| Fixed assets21/28 | €51,450 | €42,402 | €69,518 | €50,263 | €34,798 | €100,821 | €95,554 | €82,383 | ▼ 13.8% |
| Intangible fixed assets21 | €42,743 | €34,215 | €25,686 | €17,158 | €8,630 | €78,133 | €61,935 | €52,782 | ▼ 14.8% |
| Tangible fixed assets22/27 | €8,407 | €7,888 | €43,531 | €32,805 | €25,868 | €22,389 | €33,319 | €29,301 | ▼ 12.1% |
| Furniture and vehicles24 | - | - | - | €30,057 | €23,807 | €14,934 | €12,925 | €11,779 | ▼ 8.9% |
| Other tangible fixed assets26 | - | - | - | €2,748 | €2,061 | €7,455 | €20,394 | €17,522 | ▼ 14.1% |
| Financial fixed assets28 | €300 | €300 | €300 | €300 | €300 | €300 | €300 | €300 | = |
| Current assets29/58 | €22,574 | €29,075 | €34,123 | €49,025 | €51,078 | €66,478 | €118,482 | €172,834 | ▲ 45.9% |
| Amounts receivable after more than one year29 | - | - | - | €8,833 | €0 | - | - | - | - |
| Trade receivables290 | - | - | - | €8,833 | €0 | - | - | - | - |
| Amounts receivable within one year40/41 | €7,238 | €7,616 | €12,854 | €9,789 | €10,035 | €14,439 | €17,639 | €18,988 | ▲ 7.6% |
| Trade receivables40 | - | - | - | €8,909 | €9,956 | €9,353 | €12,521 | €13,432 | ▲ 7.3% |
| Other amounts receivable41 | - | - | - | €879 | €79 | €5,086 | €5,118 | €5,556 | ▲ 8.6% |
| Cash at bank and in hand54/58 | €14,226 | €20,144 | €20,210 | €28,364 | €39,832 | €49,743 | €99,588 | €151,903 | ▲ 52.5% |
| Deferred charges and accrued income490/1 | - | - | - | €2,038 | €1,210 | €2,297 | €1,254 | €1,943 | ▲ 54.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €74,024 | €71,478 | €103,640 | €99,287 | €85,876 | €167,300 | €214,036 | €255,217 | ▲ 19.2% |
| Equity10/15 | €4,900 | €13,405 | €16,251 | €16,253 | €31,287 | €44,471 | €106,830 | €130,581 | ▲ 22.2% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €7,135 | €9,980 | €9,980 | €24,980 | €38,160 | €100,519 | €124,270 | ▲ 23.6% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €8,120 | €23,120 | €36,300 | €98,659 | €122,410 | ▲ 24.1% |
| Profit (loss) carried forward14 | -€3,160 | €70 | €71 | €73 | €107 | €111 | €111 | €111 | = |
| Provisions and deferred taxes16 | - | - | - | - | - | - | - | €33,096 | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | - | - | - | €33,096 | - |
| Other liabilities and charges164/5 | - | - | - | - | - | - | - | €33,096 | - |
| Amounts payable17/49 | €69,124 | €58,073 | €87,389 | €83,034 | €54,588 | €122,829 | €107,206 | €91,540 | ▼ 14.6% |
| Amounts payable after more than one year17 | €49,661 | €40,172 | €54,115 | €36,801 | €19,186 | €66,328 | €53,170 | €35,724 | ▼ 32.8% |
| Financial debts170/4 | - | - | - | €36,801 | €19,186 | €66,328 | €53,170 | €35,724 | ▼ 32.8% |
| Amounts payable within one year42/48 | €19,463 | €17,900 | €33,274 | €46,233 | €35,403 | €56,501 | €54,037 | €55,816 | ▲ 3.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €18,190 | €18,510 | €34,506 | €16,639 | €16,032 | ▼ 3.7% |
| Trade debts44 | €3,163 | €2,438 | €3,498 | €1,588 | €1,873 | €1,694 | €596 | €1,294 | ▲ 117% |
| Suppliers440/4 | - | - | - | €1,588 | €1,873 | €1,694 | €596 | €1,294 | ▲ 117% |
| Taxes, remuneration and social security45 | - | - | - | €4,642 | €4,544 | €6,001 | €36,802 | €38,490 | ▲ 4.6% |
| Taxes450/3 | - | - | - | €466 | €0 | - | €20,548 | €19,046 | ▼ 7.3% |
| Remuneration and social security454/9 | - | - | - | €4,175 | €4,544 | €6,001 | €16,254 | €19,444 | ▲ 19.6% |
| Other amounts payable47/48 | - | - | - | €21,814 | €10,476 | €14,300 | €0 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €912 | €9,305 | €3,646 | €21,816 | €25,284 | €27,484 | €62,359 | €29,027 | ▼ 53.5% |
| + Depreciation and write-downs630 | €10,461 | €10,814 | €18,550 | €19,255 | €20,063 | €22,817 | €30,518 | €24,926 | ▼ 18.3% |
| Operating cash flow (approximation) | €11,373 | €20,120 | €22,196 | €41,071 | €45,347 | €50,300 | €92,876 | €53,953 | ▼ 41.9% |
| Investment in fixed assets (approximation) | - | -€1,767 | -€45,665 | €0 | -€4,598 | -€88,840 | -€25,251 | -€11,755 | ▲ 53.4% |
| Change in cash | - | €5,918 | €66 | €8,154 | €11,468 | €9,910 | €49,846 | €52,315 | ▲ 5.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 14 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00320303 |
| 31-12-2024 | micro format | 25-08-2025 | 2025-00402206 |
| 31-12-2023 | micro format | 25-08-2024 | 2024-00368183 |
| 31-12-2022 | micro format | 20-08-2023 | 2023-00343550 |
| 31-12-2021 | micro format | 29-07-2022 | 2022-20258003 |
| 31-12-2020 | micro format | 29-07-2021 | 2021-44200330 |
| 31-12-2019 | micro format | 29-08-2020 | 2020-48600452 |
| 31-12-2018 | micro format | 30-08-2019 | 2019-57300390 |
| 31-12-2017 | micro format | 31-08-2018 | 2018-59400206 |
| 31-12-2016 | micro format | 25-08-2017 | 2017-47800112 |
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Of the 4,609 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,209. 2,761 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.