BASSER ASSURANCES 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 €57k and a net result of €31k. Equity is growing by ~37.4% per year across the filed fiscal years. Its solvency ranks better than 13% of 43 sector peers (fiscal year 2025). The company has been active since 2017 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 43 sector peers (2025).
NBB · sector comparisonPosition among 43 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 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 · 8 filingsDeviation from the deadline
2025
34 d late
2024
38 d early
2023
20 d late
2022
7 d early
2021
47 d early
2020
16 d late
2019
3 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€57k▲ 1.1%
2024 · €56k
2018: €-40k
2019: €-36k
2020: €-33k
2021: €14k
2022: €63k
2023: €122k
2024: €56k
2018 → 2025
Net result
€31k▼ 11.4%
2024 · €35k
2018: €-46k
2019: €4k
2020: €3k
2021: €47k
2022: €49k
2023: €59k
2024: €35k
2018 → 2025
Total assets
€1.02M▼ 7.7%
2024 · €1.11M
2018: €391k
2019: €354k
2020: €324k
2021: €377k
2022: €1.38M
2023: €1.34M
2024: €1.11M
2018 → 2025
Solvency
5.6%▲ 0.5pp
2024 · 5.1%
2018: -10.2%
2019: -10.1%
2020: -10.3%
2021: 3.7%
2022: 4.6%
2023: 9.1%
2024: 5.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€63k▲ 353%€122k▲ 93.9%€56k▼ 53.8%€57k▲ 1.1%
Operating result€65k-€86k▲ 31.4%€106k▲ 23.0%€67k▼ 36.6%€59k▼ 12.5%
Net result€47k-€49k▲ 3.5%€59k▲ 20.5%€35k▼ 41.3%€31k▼ 11.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.02M
Fixed assets
€672k▼ 18.5%
Current assets
€351k▲ 23.6%
Equity and liabilities €1.02M
Equity
€57k▲ 1.1%
Debt
€965k▼ 8.1%
The debt ratio falls from 94.9% to 94.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
5.6%▲
2024 · 5.1%
ROE
53.9%▼
2024 · 61.5%
ROA
3.0%▼
2024 · 3.1%
Debt
€965k▼
2024 · €1.05M
Debt ≤ 1 year
€267k▼
2024 · €318k
Debt > 1 year
€575k▼
2024 · €675k
Income taxes
€20k▲
2024 · €17k
Staff costs
€314k▲
2024 · €272k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.11M€1.02M▼
Fixed assets21/28€823k€672k▼
Intangible fixed assets21€788k€653k▼
Tangible fixed assets22/27€36k€18k▼
Furniture and vehicles24€36k€18k▼
Current assets29/58€284k€351k▲
Amounts receivable within one year40/41€101k€295k▲
Trade receivables40€40k€47k▲
Other amounts receivable41€61k€248k▲
Cash at bank and in hand54/58€178k€49k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.02M▼
Equity10/15€56k€57k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€50k€51k▲
Amounts payable17/49€1.05M€965k▼
Amounts payable after more than one year17€675k€575k▼
Financial debts170/4€675k€575k▼
Amounts payable within one year42/48€318k€267k▼
Current portion of amounts payable after more than one year42€100k€100k=
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€98k€96k▼
Taxes450/3€52k€45k▼
Remuneration and social security454/9€46k€51k▲
Other amounts payable47/48€118k€67k▼
Accrued charges and deferred income492/3€58k€124k▲
Income statement
Code20242025
Remuneration, social security and pensions62€272k€314k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€146k€142k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€7k
Gross operating margin9900€487k€523k▲
Operating profit (loss)9901€67k€59k▼
Financial income75/76B€344€4k▲
Recurring financial income75€344€4k▲
Financial charges65/66B€15k€12k▼
Recurring financial charges65€15k€12k▼
Profit (loss) for the period before taxes9903€52k€51k▼
Income taxes67/77€17k€20k▲
Profit (loss) for the period9904€35k€31k▼
Profit (loss) for the period to be appropriated9905€35k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€150k€81k▼
Profit (loss) brought forward from the previous period14P€115k€50k▼
Profit to be distributed694/7€100k€30k▼
Return on contributions (dividend)694€100k€30k▼
Social balance
Average headcount (FTE)9087-5.1
The notes to these accounts (13 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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 34 days late
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Highest result since 2018net €59k ▲20.5%
Operating result €106k, net result €59k, both a record.
31-12
Financial
Equity above €100kEq €122k ▲93.9%
5 profitable years in a row build equity to €122k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 16 days late
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
15-07-2024
Resigned as Director
21-12-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Rochefort · 2 establishment units since 2017
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.
Square Crépin 15580 RochefortGround area
2.1 ha
Building footprint
326 m²
Volume, LiDAR
1,923 m³
3 parcels, Wallonia · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
BASSER ASSURANCES
since 20172.267.032.035
BASSER ASSURANCES
since 20262.390.411.283
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030A0303/00E000 | Wallonia | 1.9 ha | - | - |
| 91013B0424/00X000 | Wallonia | 828 m² | 1 · 192 m² | 14.0 m · 4 fl. |
| 91114A1539/00R014indicative | Wallonia | 537 m² | 1 · 134 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 95 companies in sector 65112 we hold annual accounts for 53. 41 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2017
Fiscal year end31-12
Activities, NACEBEL
65112Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:083211111