BCD 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 €19k and a net result of €-13k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 19% of 1471 sector peers (fiscal year 2025). The company has been active since 2002 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 19% of 1471 sector peers (2025).
NBB · sector comparisonPosition among 1471 sector peers
Solvency
better than 19%
← weakest
strongest →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
6 d early
2023
8 d early
2022
24 d late
2021
12 d early
2020
23 d late
2019
19 d late
← 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
€19k▼ 40.9%
2024 · €32k
2018: €7k
2019: €15k
2020: €37k
2021: €43k
2022: €54k
2023: €55k
2024: €32k
2018 → 2025
Net result
€-13k▲ 41.8%
2024 · €-23k
2018: €-986
2019: €8k
2020: €22k
2021: €7k
2022: €11k
2023: €339
2024: €-23k
2018 → 2025
Total assets
€190k▼ 1.3%
2024 · €193k
2018: €257k
2019: €237k
2020: €269k
2021: €243k
2022: €266k
2023: €236k
2024: €193k
2018 → 2025
Solvency
10.0%▼ 6.7pp
2024 · 16.7%
2018: 2.8%
2019: 6.3%
2020: 13.6%
2021: 17.9%
2022: 20.4%
2023: 23.2%
2024: 16.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€424k€395k▼ 6.8%€391k▼ 1.0%
Equity€43k-€54k▲ 25.1%€55k▲ 0.6%€32k▼ 41.3%€19k▼ 40.9%
Operating result€17k-€21k▲ 26.5%€3k▼ 85.5%€-20k€-12k▲ 40.4%
Net result€7k-€11k▲ 56.8%€339▼ 96.9%€-23k€-13k▲ 41.8%
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 stays negative: a loss of €12k in 2025 against €20k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€74k▼ 32.9%
Current assets
€117k▲ 40.4%
Equity and liabilities €190k
Equity
€19k▼ 40.9%
Debt
€171k▲ 6.6%
The debt ratio rises from 83.3% to 90.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
10.0%▼
2024 · 16.7%
ROE
-69.3%▲
2024 · -70.4%
ROA
-6.9%▲
2024 · -11.7%
Debt
€171k▲
2024 · €161k
Debt ≤ 1 year
€114k▼
2024 · €132k
Income taxes
€562▼
2024 · €788
Staff costs
€136k▲
2024 · €129k
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€193k€190k▼
Fixed assets21/28€110k€74k▼
Intangible fixed assets21€56k€34k▼
Tangible fixed assets22/27€54k€39k▼
Plant, machinery and equipment23€26k€21k▼
Furniture and vehicles24€28k€18k▼
Current assets29/58€83k€117k▲
Amounts receivable within one year40/41€23k€25k▲
Trade receivables40€20k€25k▲
Other amounts receivable41€3k€31▼
Cash at bank and in hand54/58€54k€91k▲
Deferred charges and accrued income490/1€6k€856▼
Equity and liabilities
Total equity and liabilities10/49€193k€190k▼
Equity10/15€32k€19k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Profit (loss) carried forward14€-30k€-43k▼
Amounts payable17/49€161k€171k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€132k€114k▼
Current portion of amounts payable after more than one year42€20k€2k▼
Financial debts43€5k€4k▼
Credit institutions430/8€5k€4k▼
Trade debts44€21k€16k▼
Suppliers440/4€6k€7k▲
Bills of exchange payable441€15k€9k▼
Advances received on contracts in progress46€64k€61k▼
Taxes, remuneration and social security45€23k€31k▲
Taxes450/3€5k€4k▼
Remuneration and social security454/9€18k€26k▲
Other amounts payable47/48-€1k
Accrued charges and deferred income492/3€27k€57k▲
Income statement
Code20242025
Turnover70€395k€391k▼
Goods, raw materials, services and sundry goods60/61€240k€223k▼
Remuneration, social security and pensions62€129k€136k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€36k▼
Other operating charges640/8€9k€7k▼
Gross operating margin9900€155k€168k▲
Operating profit (loss)9901€-20k€-12k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€2k€830▼
Recurring financial charges65€2k€830▼
Profit (loss) for the period before taxes9903€-22k€-13k▲
Income taxes67/77€788€562▼
Profit (loss) for the period9904€-23k€-13k▲
Profit (loss) for the period to be appropriated9905€-23k€-13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-43k▼
Profit (loss) brought forward from the previous period14P€-7k€-30k▼
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k ▼6768%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Highest result since 2018net €22k ▲180%
Operating result €35k, net result €22k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Jemeppe-sur-Sambre · 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.
Rue Alnoir 545190 Jemeppe-sur-SambreGround area
943 m²
Building footprint
193 m²
Volume, LiDAR
895 m³
Parcel 92068E0763/00F000, Wallonia · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Alnoir 54, 5190 Jemeppe-sur-Sambre
since 20032.123.033.852
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92068E0763/00F000 | Wallonia | 943 m² | 1 · 193 m² | 6.1 m · 2 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.
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 1,471 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-12-2002
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.