Equity
€62,005 ▲ 274%
BJ Assurances paid out €30,000 in dividends. That is 40% of the 2025 profit.
BJ Assurances
Lifetime
17 annual accounts with figures on one time axispeak €171,925 (2025)
€171,925▲ 35.3%
lowest -€11,787 (2016)
€75,423▲ 79.3%
peak €62,005 (2025)
€62,005▲ 274%
€135,218▼ 38.5%
peak 0.3 FTE (2020)
-not published
Board2 names since 2023
1 directorJoris JANOWSKI
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €127,086 to €171,925Result from €42,055 to €75,423Resignation: Rohan JANOWSKI (director) 26-09Dividend €30,000Equity from €16,582 to €62,005Debts from €219,875 to €135,218
Key points
from the 2025 annual accountsTurnover
≈ €340,000 estimated
The accounts state no turnover.
Filings
17 annual accounts 18 filings since 2009
Six of the last ten came late. The 2022 accounts came latest: 129 days after the end of the period.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
lowers riskraises risk
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €62,005
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
31 days late
2024
4 days late
2023
42 days late
2022
129 days late
2021
57 days early
2020
19 days early
2019
45 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 25 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 88 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Resignation: Rohan JANOWSKI (director)
General meeting of 26-08-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0807853018
Company renamed from ROHAN JANOWSKI to BJ Assurances
Registered office moved to Quaregnon · New registered office: rue de Wasmes, numéro 141, 7390 Quaregnon · Reappointments: Rohan JANOWSKI (director) and Joris JANOWSKI (director) · General meeting of 24-10-2023 · Gazette deed
Incorporation
published on 27-11-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BJ Assurances Quaregnon | €197,223 | €171,925 | 31.4% | - |
| VERZEKERINGSSERVICE Heist-op-den-Berg | €181,324 | €169,420 | 69.5% | - |
| KIRSTEN & RAES Dilbeek | €206,173 | €195,004 | 23.8% | - |
| TOP INSURANCE Antwerp | €234,364 | €165,802 | 34.6% | - |
| BIEVELEZ & CO Quévy | €200,942 | €221,212 | 20.5% | - |
| ROBERT ASSUR Saint-Ghislain | €262,143 | €199,434 | 28.1% | 1.1 |
| Laura Delcourt Les Bons Villers | €183,404 | €119,909 | 34.3% | - |
These companies have the same main activity as BJ Assurances: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €181,000 and €262,000, founded between 2008 and 2011.
Official details
Source: KBO- Status
- Active since 30-10-2008Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Establishment unit
- 2.176.863.0137390 Quaregnon, since 30-10-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 09-09-2025
Insights on BJ Assurances
BJ Assurances files the micro format. That format states no turnover. The gross margin rose from -€5,089 in 2009 to €171,925 in 2025.
The balance sheet grew most from 2019 to 2020 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BJ Assurances
- What is the company number of BJ Assurances?
- The company number of BJ Assurances is 0807.853.018. The VAT number is the same number with BE in front: BE 0807.853.018.
- Where is BJ Assurances based?
- The registered office is at Rue de Wasmes 141, 7390 Quaregnon.Company details
- What does BJ Assurances do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of BJ Assurances?
- BJ Assurances is a private limited company (BV).
- When was BJ Assurances founded?
- BJ Assurances was founded on 30-10-2008.
- Is BJ Assurances still active?
- Yes, BJ Assurances is an active enterprise in the KBO register.
- How many employees does BJ Assurances have?
- BJ Assurances had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of BJ Assurances?
- The turnover in financial year 2025 is ≈ €340,000. This figure is estimated from the gross margin of €171,925 and 30 comparable companies (NACE 66220). It probably lies between €270,000 and €440,000. In financial year 2022 turnover was €217,203.
- Is BJ Assurances profitable?
- In financial year 2025, BJ Assurances made a profit of €75,423.
- Where can I find the annual accounts of BJ Assurances?
- BJ Assurances filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BJ Assurances due?
- BJ Assurances must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check
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