Summary
BARBARASSURE 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 €631k and a net result of €22k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 1475 sector peers (fiscal year 2025). The company has been active since 2022 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
19 d late
2023
30 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 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, abbreviated schema
Equity
€631k▲ 3.6%
2024 · €609k
2023: €535k
2024: €609k
2023 → 2025
Net result
€22k▼ 70.6%
2024 · €75k
2023: €531k
2024: €75k
2023 → 2025
Total assets
€2.68M▲ 28.4%
2024 · €2.09M
2023: €2.08M
2024: €2.09M
2023 → 2025
Solvency
23.5%▼ 5.6pp
2024 · 29.2%
2023: 25.7%
2024: 29.2%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€535k-€609k▲ 13.8%€631k▲ 3.6%
Operating result€183k-€134k▼ 26.9%€69k▼ 48.7%
Net result€531k-€75k▼ 86.0%€22k▼ 70.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 49% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.68M
Fixed assets
€2.64M ▲ 30.4%
Current assets
€41k ▼ 35.3%
Equity and liabilities €2.68M
Equity
€631k ▲ 3.6%
Debt
€2.05M ▲ 38.6%
Debt's share of the balance-sheet total rises from 70.8% to 76.5%. Equity and debt are higher.
Key figures and ratios
ROE
3.5%▼
2024 · 12.2%
ROA
0.8%▼
2024 · 3.6%
Debt ≤ 1 year
€473k▲
2024 · €253k
Debt > 1 year
€1.57M▲
2024 · €1.23M
Income taxes
€9k▼
2024 · €28k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.09M€2.68M▲
Fixed assets21/28€2.03M€2.64M▲
Tangible fixed assets22/27-€266k
Land and buildings22-€266k
Financial fixed assets28€2.03M€2.38M▲
Current assets29/58€63k€41k▼
Amounts receivable within one year40/41€31k€17k▼
Trade receivables40-€89
Other amounts receivable41€31k€17k▼
Cash at bank and in hand54/58€32k€23k▼
Deferred charges and accrued income490/1-€131
Equity and liabilities
Total equity and liabilities10/49€2.09M€2.68M▲
Equity10/15€609k€631k▲
Contributions10/11€5k€5k=
Reserves13€74k€96k▲
Distributable reserves133€74k€96k▲
Profit (loss) carried forward14€530k€530k=
Amounts payable17/49€1.48M€2.05M▲
Amounts payable after more than one year17€1.23M€1.57M▲
Financial debts170/4€723k€1.05M▲
Other amounts payable178/9€502k€518k▲
Amounts payable within one year42/48€253k€473k▲
Current portion of amounts payable after more than one year42€150k€196k▲
Trade debts44€19k€17k▼
Suppliers440/4€19k€17k▼
Taxes, remuneration and social security45€11k€10k▼
Taxes450/3€11k€10k▼
Other amounts payable47/48€73k€250k▲
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€39k
Other operating charges640/8€0€2k▲
Gross operating margin9900€134k€110k▼
Operating profit (loss)9901€134k€69k▼
Financial income75/76B€790€0▼
Recurring financial income75€790€0▼
Financial charges65/66B€32k€38k▲
Recurring financial charges65€32k€38k▲
Profit (loss) for the period before taxes9903€103k€31k▼
Income taxes67/77€28k€9k▼
Profit (loss) for the period9904€75k€22k▼
Profit (loss) for the period to be appropriated9905€75k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€605k€552k▼
Profit (loss) brought forward from the previous period14P€530k€530k=
Transfer to equity691/2€74k€22k▼
To other reserves6921€74k€22k▼
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
The notes to these accounts (24 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €22k ▼70.6%
Net result drops to €22k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 19 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fexhe-le-Haut-Clocher · 1 establishment unit since 2022
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.
Rue de Noville 304347 Fexhe-le-Haut-ClocherGround area
65 m²
Building footprint
276 m²
Volume, LiDAR
2,526 m³
Parcel 64025B0476/00H000, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BARBARASSURE
since 20222.341.917.322
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64025B0476/00H000 | Wallonia | 65 m² | 1 · 276 m² | 12.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Lommels ZK
BE 0788.344.041
Lommel · Eq €631,084
ACELIA
BE 0479.597.791
Ottignies-Louvain-la-Neuve · Eq €631,312
GARANTI FINANCE
BE 0820.831.915
Brussel · Eq €631,684
COVERASS
BE 0455.138.747
Brakel · Eq €630,044
SOLVAS RISK
BE 0437.928.769
Lievegem · Eq €628,851
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,480 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
Founded28-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.