Biensure
ActiveBiensure 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 €135k and a net result of €953k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 43 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
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 43 sector peers (2025).
NBB · sector comparisonPosition among 43 sector peers
Solvency
better than 19%
← 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 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
31 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€135k▲ 3.1%
2024 · €131k
2020: €177k
2021: €100k
2022: €115k
2023: €126k
2024: €131k
2020 → 2025
Net result
€953k▲ 5.8%
2024 · €901k
2020: €147k
2021: €368k
2022: €475k
2023: €638k
2024: €901k
2020 → 2025
Total assets
€1.53M▲ 10.0%
2024 · €1.39M
2020: €617k
2021: €975k
2022: €991k
2023: €1.18M
2024: €1.39M
2020 → 2025
Solvency
8.8%▼ 0.6pp
2024 · 9.4%
2020: 28.7%
2021: 10.3%
2022: 11.6%
2023: 10.6%
2024: 9.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€115k▲ 14.7%€126k▲ 9.6%€131k▲ 4.4%€135k▲ 3.1%
Operating result€372k-€485k▲ 30.4%€651k▲ 34.1%€911k▲ 40.0%€963k▲ 5.7%
Net result€368k-€475k▲ 29.2%€638k▲ 34.2%€901k▲ 41.4%€953k▲ 5.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 6% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.53M
Fixed assets
€388k▲ 20.7%
Current assets
€1.15M▲ 6.9%
Equity and liabilities €1.53M
Equity
€135k▲ 3.1%
Debt
€1.40M▲ 10.7%
The debt ratio rises from 90.6% to 91.2%: debt grows faster than equity.
Key figures and ratios
Solvency
8.8%▼
2024 · 9.4%
ROE
704.5%▲
2024 · 686.7%
ROA
62.2%▼
2024 · 64.7%
Debt
€1.40M▲
2024 · €1.26M
Debt ≤ 1 year
€1.19M▲
2024 · €1.12M
Debt > 1 year
€203k▲
2024 · €142k
Income taxes
€12k▲
2024 · €11k
Staff costs
€404k▼
2024 · €445k
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€1.39M€1.53M▲
Formation expenses20€810€0▼
Fixed assets21/28€321k€388k▲
Intangible fixed assets21€30k€148k▲
Tangible fixed assets22/27€292k€240k▼
Furniture and vehicles24€111k€89k▼
Other tangible fixed assets26€181k€152k▼
Current assets29/58€1.07M€1.15M▲
Amounts receivable within one year40/41€276k€299k▲
Trade receivables40€276k€299k▲
Current investments50/53€228k€401k▲
Cash at bank and in hand54/58€566k€433k▼
Deferred charges and accrued income490/1€2k€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.53M▲
Equity10/15€131k€135k▲
Contributions10/11€77k€77k=
Reserves13€43k€43k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€11k€15k▲
Amounts payable17/49€1.26M€1.40M▲
Amounts payable after more than one year17€142k€203k▲
Financial debts170/4€142k€203k▲
Amounts payable within one year42/48€1.12M€1.19M▲
Current portion of amounts payable after more than one year42€42k€60k▲
Trade debts44€53k€68k▲
Suppliers440/4€53k€68k▲
Taxes, remuneration and social security45€141k€130k▼
Taxes450/3€25k€28k▲
Remuneration and social security454/9€117k€102k▼
Other amounts payable47/48€881k€930k▲
Accrued charges and deferred income492/3€3k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€445k€404k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€86k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€1.43M€1.46M▲
Operating profit (loss)9901€911k€963k▲
Financial income75/76B€5k€9k▲
Recurring financial income75€5k€9k▲
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€912k€965k▲
Income taxes67/77€11k€12k▲
Profit (loss) for the period9904€901k€953k▲
Profit (loss) for the period to be appropriated9905€901k€953k▲
Appropriation of the result
Profit (loss) to be appropriated9906€907k€965k▲
Profit (loss) brought forward from the previous period14P€6k€11k▲
Profit to be distributed694/7€896k€949k▲
Directors or managers695€881k€930k▲
Other beneficiaries697€15k€19k▲
Social balance
Average headcount (FTE)90877.26.7▼
The notes to these accounts (19 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
Highest result since 2020net €953k ▲5.8%
Operating result €963k, net result €953k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Roeselare · 2 establishment units since 2019
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.
Meensesteenweg 3268800 RoeselareGround area
1,632 m²
Building footprint
734 m²
Volume, LiDAR
3,243 m³
2 parcels, Flanders · tallest building 12.8 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Biensure
since 20192.296.460.449
Biensure
since 20192.296.460.548
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36503C0916/00B002 | Flanders | 1,126 m² | 1 · 323 m² | 9.4 m · 1 fl. |
| 36019A1313/00B002 | Flanders | 506 m² | 1 · 411 m² | 12.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,562 EUR awarded · 3,214 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,019 EUR | 2,019 EUR |
| 2024 | 1 | 380 EUR | 380 EUR |
| 2023 | 1 | 557 EUR | 476 EUR |
| 2022 | 1 | 606 EUR | 339 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 95 companies in sector 65112 we hold annual accounts for 53. 43 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2019
Fiscal year end31-12
Activities, NACEBEL
65112Insurance, reinsurance and pension funding, except compulsory social security
66220Insurance agents and brokers
65122Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.