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B4SURE

Active Risk: not assessed
Private limited companyfounded 201214 yrs activeBischoffsheimlaan 33, 1000 Brussel, BelgiumKBO/BCE: BE 0845.538.310
Summary

B4SURE 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 €52k and a net result of €-105. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 65% of 1475 sector peers (fiscal year 2025). The company has been active since 2012 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 advice 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 30-06-2025 was due by 31-01-2026 and was filed on 12-12-2025, 50 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
50 d early
2024
228 d late
2023
28 d early
2022
20 d early
2021
4 d early
2020
186 d late
2019
46 d late
← before the deadline after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity
€52k▼ 0.2%
2024 · €52k
2019: €45k 2020: €46k 2021: €95k 2022: €97k 2023: €112k 2024: €52k
2019 → 2025
Net result
€-105▲ 99.8%
2024 · €-60k
2019: €-4k 2020: €1k 2021: €49k 2022: €1k 2023: €16k 2024: €-60k
2019 → 2025
Total assets
€94k▼ 23.6%
2024 · €122k
2019: €120k 2020: €207k 2021: €113k 2022: €114k 2023: €188k 2024: €122k
2019 → 2025
Solvency
55.6%▲ 13.0pp
2024 · 42.6%
2019: 37.2% 2020: 22.1% 2021: 84.3% 2022: 84.4% 2023: 59.8% 2024: 42.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€95k-€97k▲ 1.4%€112k▲ 16.2%€52k▼ 53.6%€52k▼ 0.2%
Operating result€68k-€3k▼ 95.9%€22k▲ 708%€-59k€977
Net result€49k-€1k▼ 97.3%€16k▲ 1,071%€-60k€-105▲ 99.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€-100k€-50k€0€50kOperating result 2021: €68k€68kNet result 2021: €49k€49kOperating result 2022: €3k€3kNet result 2022: €1k€1kOperating result 2023: €22k€22kNet result 2023: €16k€16kOperating result 2024: €-59k€-59kNet result 2024: €-60k€-60kOperating result 2025: €977€977Net result 2025: €-105€-10520212022202320242025€-75k€-50k€-25k€0€25kOperating result 2023: €22k€22kNet result 2023: €16k€16kOperating result 2024: €-59k€-59kNet result 2024: €-60k€-60kOperating result 2025: €977€977Net result 2025: €-105€-105202320242025
The operating result returns to profit in 2025: €977 after a loss of €59k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €94k
Equity €52k ▼ 0.2%
Debt €42k ▼ 40.9%
Debt's share of the balance-sheet total falls from 57.4% to 44.4%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
ROE
-0.2%
2024 · -115.3%
ROA
-0.1%
2024 · -49.1%
Debt ≤ 1 year
€42k
2024 · €70k
Income taxes
€735
2024 · €141
Staff costs
€68k
2024 · €109k
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 · 39 lines
Balance sheet Code20242025
Assets
Total assets20/58€122k€94k
Current assets29/58€122k€94k
Amounts receivable after more than one year29€71k€71k=
Other amounts receivable291€71k€71k=
Amounts receivable within one year40/41-€15k
Trade receivables40-€15k
Cash at bank and in hand54/58€52k€8k
Equity and liabilities
Total equity and liabilities10/49€122k€94k
Equity10/15€52k€52k
Contributions10/11€45k€45k=
Reserves13€61k€61k=
Non-distributable reserves130/1€700€700=
Reserves not available under the articles1311€700€700=
Distributable reserves133€60k€60k=
Profit (loss) carried forward14€-54k€-54k
Amounts payable17/49€70k€42k
Amounts payable within one year42/48€70k€42k
Financial debts43-€10k
Other loans439-€10k
Trade debts44€51k€23k
Suppliers440/4€51k€23k
Taxes, remuneration and social security45€19k€8k
Taxes450/3€113€287
Remuneration and social security454/9€19k€8k
Income statement Code20242025
Remuneration, social security and pensions62€109k€68k
Other operating charges640/8€21k€5k
Gross operating margin9900€72k€75k
Operating profit (loss)9901€-59k€977
Financial income75/76B€120-
Recurring financial income75€120-
Financial charges65/66B€1k€347
Recurring financial charges65€1k€347
Profit (loss) for the period before taxes9903€-60k€630
Income taxes67/77€141€735
Profit (loss) for the period9904€-60k€-105
Profit (loss) for the period to be appropriated9905€-60k€-105
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€-54k
Profit (loss) brought forward from the previous period14P€7k€-54k
Social balance
Average headcount (FTE)90872.01.3

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
31-07
State Gazette act Resignations: PRIEM Johan (manager) and VAN DER STEEN Koen (manager)
Reappointments: PRIEM Johan (non-statutory director) and VAN DER STEEN Koen (non-statutory director) · Appointments: PATRONALE LIFE, AUVRAY Olivier and PwC Bedrijfsrevisoren BV · Permanent representatives: MOEYKENS Filip and William Rutten19 facts ▸
  • General meeting, 30-06-2026
  • Statutes amendment
  • Capital, €45.700
  • Registered-office move, 1000 Brussel, Bischoffsheimlaan 33
  • Statutes amendment
  • Director resignation, PRIEM Johan (manager)
  • Director resignation, VAN DER STEEN Koen (manager)
  • Director reappointment, PRIEM Johan (non-statutory director)
  • Director reappointment, VAN DER STEEN Koen (non-statutory director)
  • Mandate compensation, PRIEM Johan
  • Mandate compensation, VAN DER STEEN Koen
  • Director appointment, PATRONALE LIFE (director)
  • +7 further facts in this act
2025
12-12
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
16-09
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 228 days late
2024
30-06
Financial Weakest financial yearnet €-60k ▼484%
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
03-01
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial Equity above €100kEq €112k ▲16.2%
4 profitable years in a row build equity to €112k.
11-01
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-01
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-08
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 186 days late
30-06
Financial Highest result since 2019net €49k ▲4752%
Operating result €68k, net result €49k, both a record.
2020
30-06
Financial Back to profitnet €1k
Net result €1k after one loss-making year.
30-06
Financial Liquidity times 34current ratio 54.23
Current ratio from 1.59 to 54.23; short-term debt falls from €76k to €4k.
Show earlier events
17-03
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 46 days late
2019
07-01
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-05
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 120 days late
2016
15-12
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
under verification, no change since 2026
This board is reconstructed from a single act (26349941). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Olivier AUVRAY
Director · since 01-05-2026
Current
PATRONALE LIFE
Director · since 01-05-2026 · Legal entity · perm. rep.: MOEYKENS Filip
Current
PRIEM Johan
Non-statutory director
Current
VAN DER STEEN Koen
Non-statutory director
Current
31-07-2026 PRIEM Johan: Resigned as Manager
31-07-2026 VAN DER STEEN Koen: Resigned as Manager
01-05-2026 Olivier AUVRAY: Appointed as Director
01-05-2026 PATRONALE LIFE: Appointed as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2012
establishment approximate The establishment unit on the map
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.

Bischoffsheimlaan 331000 Brussel
Ground area
1,445 m²
Building footprint
1,036 m²
Volume, LiDAR
19,795 m³
2 parcels, Brussels, Flanders · tallest building 26.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
B4SURE
Leonardo da Vincilaan 19, 1831 Machelen (Brab.)Insurance agents and brokers
since 20122.209.407.996
2 parcels
Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21803C0382/00G000 Brussels 1,284 m² 1 · 1,036 m² 26.4 m · 7 fl.
23015B0320/00D000indicative Flanders 161 m² - -
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Statutory auditor

1 auditor
BV PwC BedrijfsrevisorenCurrent
Auditor · represented by William Rutten
31-07-2026 → present

Articles of association

Purpose
Als verzekeringsmakelaar het afsluiten van alle verzekeringen voor rekening van derden, het beheer van verzekeringsportefeuilles, de expertise van schadegevallen en alles wat tot…
Full purpose

Als verzekeringsmakelaar het afsluiten van alle verzekeringen voor rekening van derden, het beheer van verzekeringsportefeuilles, de expertise van schadegevallen en alles wat tot de functie van verzekeringsbemiddelaar behoort ; voor rekening van kredietinstellingen het toestaan en het tot stand brengen van financieringen, leningen en leasingovereenkomsten al dan niet hypothecair, het behandelen van alle financiële verrichtingen hieruit voortspruitend ; het aannemen van alle bestuurs- en controleopdrachten, het uitoefenen van opdrachten en functies ; het verlenen van adviezen van financiële, technische, commerciële of administratieve aard, in de ruimste zin bijstand en diensten verlenen, rechtstreeks of onrechtstreeks op het vlak van administratie en financiën, verkoop, productie en algemeen bestuur. De verrichtingen die door de wet voorbehouden zijn aan vermogensbeheerders en beleggingsadviseurs zijn de vennootschap verboden ; het beheer van een onroerend of roerend vermogen en de huurfinanciering van onroerende goederen aan derden, het aankopen, verkopen, ruilen, doen bouwen, doen verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit doel in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen, alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze onroerende goederen ; het toestaan van leningen aan vennootschappen of particulieren, onder om het even welke vorm ; in dit kader kan zij zich ook borg stellen of haar aval verlenen, in de meest ruime zin, alle handels- en financiële operaties verrichten, behalve die wettelijk voorbehouden zijn aan depositobanken, houders van deposito’s op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatieondernemingen ; het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten vennootschappen ; het bevorderen van de oprichting van vennootschappen door inbreng, participaties of investeringen ; holding ; Zij kan deelnemen in of op een andere wijze interesseren aan andere vennootschappen, ondernemingen, groeperingen of organisaties. Zij mag zich hiervoor borg stellen of aval verlenen, voorschotten en kredieten toestaan, hypothecaire of andere waarborgen verstrekken. In het algemeen mag zij alle verrichtingen uitvoeren die nodig of dienstig zijn voor de verwezenlijking van haar voorwerp zowel in België als in het buitenland.

Structure & network

Connections & network

2 connected companies
Linked via shared directors
LE PORT DE BRUXELLES
via Olivier AUVRAY · Administrateur représentant la ville de bruxelles et vice président
former

Capital and shareholders

Capital over the years
  1. 31-07-2026 Capital stated in the act · 45,700 EUR

Similar companies · same sector, comparable size

Of 1,507 companies in sector 66199 we hold annual accounts for 917. 556 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
Founded26-04-2012
Fiscal year end30-06
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.