Summary
BODSON ASSURANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €402k and a net result of €157k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 49% of 773 sector peers (fiscal year 2024). The company has been active since 2018 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-06-2025, 50 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
50 d early
2023
47 d early
2022
58 d early
2021
75 d early
2020
67 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€402k▼ 9.6%
2023 · €444k
2019: €324klowest in 6 years
2020: €426k▲ +31.4% vs 2019
2021: €433k▲ +1.6% vs 2020
2022: €440k▲ +1.7% vs 2021
2023: €444k▲ +1.0% vs 2022highest in 6 years
2024: €402k▼ -9.6% vs 2023
2019 → 2024
Net result
€157k▼ 22.9%
2023 · €204k
2019: €284khighest in 6 years
2020: €151k▼ -47.0% vs 2019lowest in 6 years
2021: €157k▲ +4.1% vs 2020
2022: €158k▲ +0.5% vs 2021
2023: €204k▲ +29.6% vs 2022
2024: €157k▼ -22.9% vs 2023
2019 → 2024
Total assets
€1.10M▼ 7.6%
2023 · €1.19M
2019: €1.01Mlowest in 6 years
2020: €1.14M▲ +13.6% vs 2019
2021: €1.17M▲ +2.6% vs 2020
2022: €1.14M▼ -3.2% vs 2021
2023: €1.19M▲ +5.0% vs 2022highest in 6 years
2024: €1.10M▼ -7.6% vs 2023
2019 → 2024
Solvency
36.5%▼ 0.8pp
2023 · 37.3%
2019: 32.2%lowest in 6 years
2020: 37.3%▲ +15.6% vs 2019
2021: 36.9%▼ -1.0% vs 2020
2022: 38.8%▲ +5.1% vs 2021highest in 6 years
2023: 37.3%▼ -3.8% vs 2022
2024: 36.5%▼ -2.2% vs 2023
2019 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€426k-€433k▲ 1.6%€440k▲ 1.7%€444k▲ 1.0%€402k▼ 9.6%
2020: €426k
2021: €433k▲ +1.6% vs 2020
2022: €440k▲ +1.7% vs 2021
2023: €444k▲ +1.0% vs 2022highest in 5 years
2024: €402k▼ -9.6% vs 2023lowest in 5 years
Operating result€209k-€219k▲ 4.7%€212k▼ 3.1%€280k▲ 32.0%€217k▼ 22.2%
2020: €209klowest in 5 years
2021: €219k▲ +4.7% vs 2020
2022: €212k▼ -3.1% vs 2021
2023: €280k▲ +32.0% vs 2022highest in 5 years
2024: €217k▼ -22.2% vs 2023
Net result€151k-€157k▲ 4.1%€158k▲ 0.5%€204k▲ 29.6%€157k▼ 22.9%
2020: €151klowest in 5 years
2021: €157k▲ +4.1% vs 2020
2022: €158k▲ +0.5% vs 2021
2023: €204k▲ +29.6% vs 2022highest in 5 years
2024: €157k▼ -22.9% vs 2023
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 22% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.10M
Fixed assets
€357k ▼ 14.6%
Current assets
€745k ▼ 3.8%
Equity and liabilities €1.10M
Equity
€402k ▼ 9.6%
Debt
€700k ▼ 6.4%
Debt's share of the balance-sheet total rises from 62.7% to 63.5%. Equity and debt are lower.
Key figures and ratios
ROE
39.2%▼
2023 · 46.0%
ROA
14.3%▼
2023 · 17.1%
Debt ≤ 1 year
€276k▼
2023 · €320k
Debt > 1 year
€185k▼
2023 · €245k
Income taxes
€53k▼
2023 · €67k
Staff costs
€79k▲
2023 · €78k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.19M€1.10M▼
Fixed assets21/28€418k€357k▼
Intangible fixed assets21€290k€267k▼
Tangible fixed assets22/27€128k€90k▼
Furniture and vehicles24€128k€90k▼
Current assets29/58€774k€745k▼
Amounts receivable within one year40/41€335k€401k▲
Trade receivables40€335k€390k▲
Other amounts receivable41-€11k
Cash at bank and in hand54/58€439k€344k▼
Deferred charges and accrued income490/1€310-
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.10M▼
Equity10/15€444k€402k▼
Contributions10/11€40k€40k=
Profit (loss) carried forward14€404k€362k▼
Amounts payable17/49€748k€700k▼
Amounts payable after more than one year17€245k€185k▼
Financial debts170/4€245k€185k▼
Amounts payable within one year42/48€320k€276k▼
Current portion of amounts payable after more than one year42€60k€60k=
Trade debts44€9k€583▼
Suppliers440/4€9k€583▼
Taxes, remuneration and social security45€67k€40k▼
Taxes450/3€57k€30k▼
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48€185k€176k▼
Accrued charges and deferred income492/3€183k€239k▲
Income statement
Code20232024
Non-recurring operating income76A€9k-
Remuneration, social security and pensions62€78k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€100k▲
Other operating charges640/8€143k€216k▲
Gross operating margin9900€599k€612k▲
Operating profit (loss)9901€280k€217k▼
Financial income75/76B-€23
Recurring financial income75-€23
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€271k€211k▼
Income taxes67/77€67k€53k▼
Profit (loss) for the period9904€204k€157k▼
Profit (loss) for the period to be appropriated9905€204k€157k▼
Appropriation of the result
Profit (loss) to be appropriated9906€600k€562k▼
Profit (loss) brought forward from the previous period14P€396k€404k▲
Transfer from equity791/2€4k-
Profit to be distributed694/7€200k€200k=
Return on contributions (dividend)694€200k€200k=
Social balance
Average headcount (FTE)90871.41.3▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €9k | - | - |
| Remuneration, social security and pensions62 | - | €72k | €77k | €78k | €79k | ▲ 0.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €78k | €84k | €95k | €98k | €100k | ▲ 1.9% |
| Other operating charges640/8 | - | €137k | €143k | €143k | €216k | ▲ 50.9% |
| Gross operating margin9900 | €490k | €512k | €528k | €599k | €612k | ▲ 2.2% |
| Operating profit (loss)9901 | €209k | €219k | €212k | €280k | €217k | ▼ 22.2% |
| Financial income75/76B | - | - | €4k | - | €23 | - |
| Recurring financial income75 | €1 | - | €4k | - | €23 | - |
| Non-recurring financial income76B | - | - | €4k | - | - | - |
| Financial charges65/66B | - | €10k | €9k | €9k | €7k | ▼ 19.6% |
| Recurring financial charges65 | €11k | €10k | €9k | €9k | €7k | ▼ 19.6% |
| Profit (loss) for the period before taxes9903 | €197k | €208k | €207k | €271k | €211k | ▼ 22.3% |
| Income taxes67/77 | €47k | €52k | €49k | €67k | €53k | ▼ 20.4% |
| Profit (loss) for the period9904 | €151k | €157k | €158k | €204k | €157k | ▼ 22.9% |
| Profit (loss) for the period to be appropriated9905 | €151k | €157k | €158k | €204k | €157k | ▼ 22.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.14M | €1.17M | €1.14M | €1.19M | €1.10M | ▼ 7.6% |
| Fixed assets21/28 | €533k | €467k | €471k | €418k | €357k | ▼ 14.6% |
| Intangible fixed assets21 | €464k | €406k | €348k | €290k | €267k | ▼ 7.9% |
| Tangible fixed assets22/27 | €69k | €61k | €123k | €128k | €90k | ▼ 29.8% |
| Furniture and vehicles24 | - | €61k | €123k | €128k | €90k | ▼ 29.8% |
| Current assets29/58 | €610k | €705k | €664k | €774k | €745k | ▼ 3.8% |
| Amounts receivable within one year40/41 | €258k | €233k | €272k | €335k | €401k | ▲ 19.8% |
| Trade receivables40 | - | €211k | €267k | €335k | €390k | ▲ 16.5% |
| Other amounts receivable41 | - | €22k | €5k | - | €11k | - |
| Cash at bank and in hand54/58 | €352k | €473k | €391k | €439k | €344k | ▼ 21.7% |
| Deferred charges and accrued income490/1 | - | - | - | €310 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.14M | €1.17M | €1.14M | €1.19M | €1.10M | ▼ 7.6% |
| Equity10/15 | €426k | €433k | €440k | €444k | €402k | ▼ 9.6% |
| Contributions10/11 | €40k | €40k | €40k | €40k | €40k | = |
| Outside capital11 | - | €40k | €40k | - | - | - |
| Other1109/19 | - | €40k | €40k | - | - | - |
| Reserves13 | €4k | €4k | €4k | - | - | - |
| Non-distributable reserves130/1 | - | €4k | €4k | - | - | - |
| Reserves not available under the articles1311 | - | €4k | €4k | - | - | - |
| Profit (loss) carried forward14 | €382k | €389k | €396k | €404k | €362k | ▼ 10.5% |
| Amounts payable17/49 | €717k | €740k | €695k | €748k | €700k | ▼ 6.4% |
| Amounts payable after more than one year17 | €425k | €365k | €305k | €245k | €185k | ▼ 24.5% |
| Financial debts170/4 | - | €365k | €305k | €245k | €185k | ▼ 24.5% |
| Amounts payable within one year42/48 | €136k | €297k | €260k | €320k | €276k | ▼ 13.6% |
| Current portion of amounts payable after more than one year42 | - | €60k | €60k | €60k | €60k | = |
| Trade debts44 | €905 | €1k | €6k | €9k | €583 | ▼ 93.3% |
| Suppliers440/4 | - | €1k | €6k | €9k | €583 | ▼ 93.3% |
| Taxes, remuneration and social security45 | - | €82k | €48k | €67k | €40k | ▼ 40.5% |
| Taxes450/3 | - | €74k | €39k | €57k | €30k | ▼ 47.4% |
| Remuneration and social security454/9 | - | €9k | €9k | €9k | €9k | ▲ 1.4% |
| Other amounts payable47/48 | - | €153k | €146k | €185k | €176k | ▼ 4.6% |
| Accrued charges and deferred income492/3 | - | €78k | €130k | €183k | €239k | ▲ 30.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €151k | €157k | €158k | €204k | €157k | ▼ 22.9% |
| + Depreciation and write-downs630 | €78k | €84k | €95k | €98k | €100k | ▲ 1.9% |
| Operating cash flow (approximation) | €229k | €241k | €253k | €302k | €257k | ▼ 14.9% |
| Investment in fixed assets (approximation) | - | €-18k | €-99k | €-44k | €-39k | ▲ 11.9% |
| Change in cash | - | €121k | €-81k | €47k | €-95k | ▼ 300% |
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
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €151k ▼47%
Net result drops to €151k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.48
Current ratio from 2.24 to 4.48; short-term debt falls from €196k to €136k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Durbuy · 1 establishment unit since 2018
Ground area
115 m²
Building footprint
210 m²
Parcel 83008B0275/00G009, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BODSON ASSURANCES
since 20182.280.907.191
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83008B0275/00G009 | Wallonia | 115 m² | 1 · 210 m² | - |
Linked by address, not proof of ownership
Good to know
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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NATEL
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Of 4,677 companies in sector 66220 we hold annual accounts for 3,221. 2,665 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
Founded25-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
gery.bodson@bodson.beDurbuy
Phone
086211643Durbuy
Scores and ratios are computed by Checked and are not a credit decision.