Summary
BJ 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 €62k and a net result of €75k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 2444 sector peers (fiscal year 2025). The company has been active since 2008 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 €62k
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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
4 d late
2023
42 d late
2022
129 d late
2021
57 d early
2020
19 d early
2019
45 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▲ 274%
2024 · €17k
Net result
€75k▲ 79.3%
2024 · €42k
Total assets
€197k▼ 16.6%
2024 · €236k
Solvency
31.4%▲ 24.4pp
2024 · 7.0%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€209k▲ 15.4%€217k▲ 3.7%
Operating result€12k€29k▲ 134%€33k▲ 11.9%€67k▲ 104%€129k▲ 92.2%
Net result€-4k▲ 40.3%€13k€13k▼ 1.4%€42k▲ 233%€75k▲ 79.3%
Equity€-21k€-8k▲ 61.3%€5k€17k▲ 266%€62k▲ 274%
Total assets€153k▼ 31.5%€178k▲ 16.4%€194k▲ 9.1%€236k▲ 21.9%€197k▼ 16.6%
Debt€174k▼ 4.4%€186k▲ 7.0%€189k▲ 1.9%€220k▲ 16.1%€135k▼ 38.5%
Working capital€-31k▲ 78.0%€-6k▲ 81.4%€21k€57k▲ 177%€58k▲ 1.7%
Solvency-13.7%▼ 32.3pp-4.6%▲ 9.1pp2.3%▲ 6.9pp7.0%▲ 4.7pp31.4%▲ 24.4pp
Staff (FTE)1▲ 233%1
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 has risen four years in a row; 2025 is 92% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€26k ▼ 73.4%
Current assets
€171k ▲ 23.1%
Equity and liabilities €197k
Equity
€62k ▲ 274%
Debt
€135k ▼ 38.5%
Debt's share of the balance-sheet total falls from 93.0% to 68.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
121.6%▼
2024 · 253.6%
ROA
38.2%▲
2024 · 17.8%
Debt ≤ 1 year
€114k▲
2024 · €82k
Debt > 1 year
€22k▼
2024 · €136k
Income taxes
€32k▲
2024 · €12k
Staff costs
€40k▼
2024 · €41k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €209k | €217k | - | - | - | - |
| Non-recurring operating income76A | - | €10k | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €75k | €147k | - | - | - | - |
| Remuneration, social security and pensions62 | €100k | €30k | €33k | €41k | €40k | ▼ 2.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20k | €18k | €17k | €17k | €332 | ▼ 98.0% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €2k | - | - | - | - |
| Other operating charges640/8 | €886 | €492 | €2k | €2k | €3k | ▲ 69.0% |
| Non-recurring operating charges66A | - | - | - | €517 | - | - |
| Gross operating margin9900 | €134k | €80k | €84k | €127k | €172k | ▲ 35.3% |
| Operating profit (loss)9901 | €12k | €29k | €33k | €67k | €129k | ▲ 92.2% |
| Financial income75/76B | €254 | €282 | - | - | - | - |
| Recurring financial income75 | €254 | €282 | - | - | - | - |
| Non-recurring financial income76B | €254 | - | - | - | - | - |
| Financial charges65/66B | €15k | €15k | €14k | €13k | €21k | ▲ 61.5% |
| Recurring financial charges65 | €14k | €15k | €14k | €13k | €21k | ▲ 61.5% |
| Non-recurring financial charges66B | €710 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €-2k | €15k | €19k | €54k | €107k | ▲ 99.7% |
| Income taxes67/77 | €2k | €2k | €6k | €12k | €32k | ▲ 172% |
| Profit (loss) for the period9904 | €-4k | €13k | €13k | €42k | €75k | ▲ 79.3% |
| Profit (loss) for the period to be appropriated9905 | €-4k | €13k | €13k | €42k | €75k | ▲ 79.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €153k | €178k | €194k | €236k | €197k | ▼ 16.6% |
| Fixed assets21/28 | €146k | €128k | €112k | €97k | €26k | ▼ 73.4% |
| Intangible fixed assets21 | €0 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €121k | €103k | €86k | €72k | €347 | ▼ 99.5% |
| Plant, machinery and equipment23 | €119k | €103k | €86k | €71k | - | - |
| Furniture and vehicles24 | €1k | €194 | - | €679 | €347 | ▼ 48.9% |
| Financial fixed assets28 | €26k | €26k | €26k | €26k | €26k | = |
| Current assets29/58 | €6k | €49k | €82k | €139k | €171k | ▲ 23.1% |
| Amounts receivable after more than one year29 | €6k | - | - | - | - | - |
| Other amounts receivable291 | €6k | - | - | - | - | - |
| Amounts receivable within one year40/41 | €70 | €49k | €82k | €135k | €171k | ▲ 27.3% |
| Trade receivables40 | - | - | €8k | €16k | €21k | ▲ 36.9% |
| Other amounts receivable41 | €70 | €49k | €74k | €119k | €150k | ▲ 26.1% |
| Cash at bank and in hand54/58 | - | - | - | €4k | - | - |
| Deferred charges and accrued income490/1 | - | €357 | €475 | €1k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €153k | €178k | €194k | €236k | €197k | ▼ 16.6% |
| Equity10/15 | €-21k | €-8k | €5k | €17k | €62k | ▲ 274% |
| Contributions10/11 | €7k | €7k | €7k | €7k | €7k | = |
| Capital10 | €7k | €7k | €7k | - | - | - |
| Issued capital100 | €19k | €19k | €19k | - | - | - |
| Uncalled capital101 | €12k | €12k | €12k | - | - | - |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | €2k | €2k | - | - | - |
| Other1319 | - | - | - | €2k | €2k | = |
| Profit (loss) carried forward14 | €-29k | €-16k | €-4k | €8k | €54k | ▲ 553% |
| Amounts payable17/49 | €174k | €186k | €189k | €220k | €135k | ▼ 38.5% |
| Amounts payable after more than one year17 | €136k | €131k | €126k | €136k | €22k | ▼ 84.1% |
| Financial debts170/4 | €136k | €131k | €126k | €136k | €22k | ▼ 84.1% |
| Amounts payable within one year42/48 | €37k | €55k | €62k | €82k | €114k | ▲ 37.7% |
| Current portion of amounts payable after more than one year42 | €5k | €5k | €6k | €12k | €13k | ▲ 8.1% |
| Financial debts43 | - | €24k | €26k | €18k | €19k | ▲ 9.2% |
| Credit institutions430/8 | - | €24k | €26k | €18k | €19k | ▲ 9.2% |
| Trade debts44 | €1k | €15k | €13k | €985 | €4k | ▲ 350% |
| Suppliers440/4 | €1k | €15k | €13k | €985 | €4k | ▲ 350% |
| Taxes, remuneration and social security45 | €9k | €11k | €16k | €21k | €46k | ▲ 117% |
| Taxes450/3 | €6k | €5k | €11k | €17k | €44k | ▲ 167% |
| Remuneration and social security454/9 | €3k | €6k | €5k | €5k | €2k | ▼ 57.7% |
| Other amounts payable47/48 | €21k | €0 | - | €30k | €30k | = |
| Accrued charges and deferred income492/3 | €800 | - | €2k | €2k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €13k | €13k | €42k | €75k | ▲ 79.3% |
| + Depreciation and write-downs630 | €20k | €18k | €17k | €17k | €332 | ▼ 98.0% |
| Operating cash flow (approximation) | €16k | €31k | €29k | €59k | €76k | ▲ 28.6% |
| Investment in fixed assets (approximation) | - | €-410 | €0 | €-2k | €71k | ▲ 3,085% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €75k ▲79.3%
Operating result €129k, net result €75k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 42 days late
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 129 days late
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
04-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Quaregnon · 1 establishment unit since 2008
Ground area
914 m²
Building footprint
140 m²
Volume, LiDAR
1,081 m³
2 parcels, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue de Wasmes 139, 7390 Quaregnon
since 20082.176.863.013
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53080A0026/00Z000 | Wallonia | 559 m² | 1 · 71 m² | 9.6 m · 3 fl. |
| 53080A0026/00W000 | Wallonia | 355 m² | 1 · 69 m² | 9.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 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 4,673 companies in sector 66220 we hold annual accounts for 3,219. 2,429 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Scores and ratios are computed by Checked and are not a credit decision.