Summary
BRUNOASSUR 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 €188k and a net result of €79k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 2444 sector peers (fiscal year 2025). 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 · 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
31 d late
2022
31 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
€188k▲ 3.1%
2024 · €182k
2022: €166k
2023: €155k
2024: €182k
2022 → 2025
Net result
€79k▼ 11.3%
2024 · €89k
2022: €27k
2023: €67k
2024: €89k
2022 → 2025
Total assets
€376k▲ 5.6%
2024 · €356k
2022: €303k
2023: €394k
2024: €356k
2022 → 2025
Solvency
50.0%▼ 1.2pp
2024 · 51.2%
2022: 54.7%
2023: 39.2%
2024: 51.2%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€166k-€155k▼ 6.6%€182k▲ 17.9%€188k▲ 3.1%
Operating result€45k-€89k▲ 99.5%€136k▲ 52.4%€117k▼ 14.0%
Net result€27k-€67k▲ 143%€89k▲ 32.7%€79k▼ 11.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €376k
Fixed assets
€204k ▼ 0.6%
Current assets
€172k ▲ 14.0%
Equity and liabilities €376k
Equity
€188k ▲ 3.1%
Debt
€188k ▲ 8.3%
Debt's share of the balance-sheet total rises from 48.8% to 50.0%. Equity and debt are higher.
Key figures and ratios
ROE
42.0%▼
2024 · 48.8%
ROA
21.0%▼
2024 · 25.0%
Debt ≤ 1 year
€120k▲
2024 · €119k
Debt > 1 year
€68k▲
2024 · €54k
Income taxes
€33k▼
2024 · €44k
Staff costs
€91k
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 · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€356k€376k▲
Fixed assets21/28€205k€204k▼
Intangible fixed assets21€128k€108k▼
Tangible fixed assets22/27€74k€93k▲
Furniture and vehicles24€73k€92k▲
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€151k€172k▲
Amounts receivable after more than one year29€12k€12k=
Other amounts receivable291€12k€12k=
Amounts receivable within one year40/41€11k€23k▲
Trade receivables40-€1k
Other amounts receivable41€11k€22k▲
Cash at bank and in hand54/58€94k€86k▼
Deferred charges and accrued income490/1€34k€50k▲
Equity and liabilities
Total equity and liabilities10/49€356k€376k▲
Equity10/15€182k€188k▲
Contributions10/11€3k€3k=
Reserves13€177k€177k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€175k€175k=
Profit (loss) carried forward14€2k€8k▲
Amounts payable17/49€173k€188k▲
Amounts payable after more than one year17€54k€68k▲
Financial debts170/4€54k€68k▲
Amounts payable within one year42/48€119k€120k▲
Current portion of amounts payable after more than one year42€34k€17k▼
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€21k€22k▲
Taxes450/3€4k€4k=
Remuneration and social security454/9€16k€18k▲
Other amounts payable47/48€61k€73k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€91k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€52k▲
Other operating charges640/8€3k€9k▲
Gross operating margin9900€187k€269k▲
Operating profit (loss)9901€136k€117k▼
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€133k€111k▼
Income taxes67/77€44k€33k▼
Profit (loss) for the period9904€89k€79k▼
Profit (loss) for the period to be appropriated9905€89k€79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€81k▼
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2€21k€0▼
Transfer to equity691/2€49k€0▼
To other reserves6921€49k€0▼
Profit to be distributed694/7€61k€73k▲
Return on contributions (dividend)694€61k€73k▲
The notes to these accounts (16 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 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2022net €89k ▲32.7%
Operating result €136k, net result €89k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.27
Current ratio from 0.45 to 1.27; short-term debt falls from €199k to €119k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Erquelinnes · 1 establishment unit since 2018
Ground area
2,653 m²
Building footprint
331 m²
Volume, LiDAR
2,241 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BRUNOASSUR
since 20182.274.961.586
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56078A0025/00E003 | Wallonia | 1,902 m² | 1 · 154 m² | 8.0 m · 2 fl. |
| 56022B0444/00A112 | Wallonia | 751 m² | 1 · 177 m² | 8.1 m · 2 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.
Similar companies · same sector, comparable size
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MAVERBE
BE 0425.326.192
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Zakenkantoor Vermeulen
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PROTECT
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Assicurazione WB
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Of 4,677 companies in sector 66220 we hold annual accounts for 3,221. 2,827 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.brunoassur.be