BUREAU D'ASSURANCES AUBERT 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 €1.23M and a net result of €40k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 1463 sector peers (fiscal year 2025). The company has been active since 1991 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 advice for your own amount and term
Signals
Three signals. 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 19-08-2026, 19 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 · 10 filingsDeviation from the deadline
2025
19 d late
2024
27 d late
2023
21 d late
2022
24 d late
2021
23 d late
2020
30 d late
2019
25 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.23M▲ 10.5%
2024 · €1.12M
2018: €987k
2019: €939k
2020: €909k
2021: €947k
2022: €944k
2023: €1.02M
2024: €1.12M
2018 → 2025
Net result
€40k▼ 25.4%
2024 · €54k
2018: €4k
2019: €18k
2020: €7k
2021: €11k
2022: €-24k
2023: €11k
2024: €54k
2018 → 2025
Total assets
€1.78M▲ 2.0%
2024 · €1.75M
2018: €1.45M
2019: €1.71M
2020: €1.64M
2021: €1.68M
2022: €1.67M
2023: €1.75M
2024: €1.75M
2018 → 2025
Solvency
69.1%▲ 5.3pp
2024 · 63.8%
2018: 68.0%
2019: 54.8%
2020: 55.4%
2021: 56.4%
2022: 56.6%
2023: 58.5%
2024: 63.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€624k-€621k▼ 0.5%€656k▲ 5.6%€656k=€685k▲ 4.5%
Equity€947k-€944k▼ 0.3%€1.02M▲ 8.5%€1.12M▲ 8.8%€1.23M▲ 10.5%
Operating result€19k-€-13k€25k€69k▲ 173%€67k▼ 3.5%
Net result€11k-€-24k€11k€54k▲ 383%€40k▼ 25.4%
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 falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.78M
Fixed assets
€1.68M▲ 2.3%
Current assets
€105k▼ 1.7%
Equity and liabilities €1.78M
Equity
€1.23M▲ 10.5%
Debt
€551k▼ 12.9%
The debt ratio falls from 36.2% to 30.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
69.1%▲
2024 · 63.8%
ROE
3.3%▼
2024 · 4.8%
ROA
2.3%▼
2024 · 3.1%
Debt
€551k▼
2024 · €633k
Debt ≤ 1 year
€405k▼
2024 · €462k
Debt > 1 year
€146k▼
2024 · €171k
Income taxes
€15k▲
2024 · €3k
Staff costs
€519k▲
2024 · €491k
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€1.75M€1.78M▲
Fixed assets21/28€1.64M€1.68M▲
Intangible fixed assets21€1.31M€1.37M▲
Tangible fixed assets22/27€326k€304k▼
Land and buildings22€256k€255k▼
Plant, machinery and equipment23€179€186▲
Furniture and vehicles24€45k€28k▼
Leasing and similar rights25€6k€6k=
Other tangible fixed assets26€19k€15k▼
Financial fixed assets28€4k€4k=
Current assets29/58€107k€105k▼
Amounts receivable within one year40/41€69k€70k▲
Trade receivables40€69k€70k▲
Current investments50/53€13k€13k=
Cash at bank and in hand54/58€974€785▼
Deferred charges and accrued income490/1€23k€21k▼
Equity and liabilities
Total equity and liabilities10/49€1.75M€1.78M▲
Equity10/15€1.12M€1.23M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€1.09M€1.17M▲
Reserves13€5k€5k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Profit (loss) carried forward14€-40k€693▲
Amounts payable17/49€633k€551k▼
Amounts payable after more than one year17€171k€146k▼
Financial debts170/4€171k€146k▼
Amounts payable within one year42/48€462k€405k▼
Current portion of amounts payable after more than one year42€86k€59k▼
Financial debts43€69k€93k▲
Credit institutions430/8€69k€93k▲
Trade debts44€283k€203k▼
Suppliers440/4€283k€203k▼
Taxes, remuneration and social security45€24k€26k▲
Remuneration and social security454/9€24k€26k▲
Other amounts payable47/48-€25k
Income statement
Code20242025
Turnover70€656k€685k▲
Goods, raw materials, services and sundry goods60/61€52k€55k▲
Remuneration, social security and pensions62€491k€519k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€40k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€604k€630k▲
Operating profit (loss)9901€69k€67k▼
Financial income75/76B€0€5▲
Recurring financial income75€0€5▲
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€12k▼
Profit (loss) for the period before taxes9903€57k€55k▼
Income taxes67/77€3k€15k▲
Profit (loss) for the period9904€54k€40k▼
Profit (loss) for the period to be appropriated9905€54k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€693▲
Profit (loss) brought forward from the previous period14P€-94k€-40k▲
The notes to these accounts (12 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €54k ▲383%
Operating result €69k, net result €54k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.02M ▲8.5%
Equity rises from €944k to €1.02M.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-24k ▼316%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Virton · 1 establishment unit since 1992
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.
Grand-Rue 476760 VirtonGround area
80 m²
Building footprint
78 m²
Volume, LiDAR
653 m³
Parcel 85045B0314/00G000, Wallonia · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Grand-Rue 47, 6760 Virton
since 19922.055.775.537
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85045B0314/00G000 | Wallonia | 80 m² | 1 · 78 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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Of 4,686 companies in sector 66220 we hold annual accounts for 3,231. 2,032 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-12-1991
Fiscal year end31-12
Abbreviation FR
B.A.A.
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationExtraordinary general meeting
Agenda
1. Renouvellement du conseil d’administration. 2. Renouvellement du mandat d’administrateur-délégué. 3. Modification de l’article 5 des statuts traitant du capital et conversion à l’euro. 4. Modification de l’article 9 traitant de la nature des titres : conver- sion des titres. 5. Mise à jour des statuts au regard de la dernière codification des dispositions relatives aux sociétés commerciales. 6. Divers.