Summary
BUREAU VANHAMME 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 €89k and a net result of €46k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 2435 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 advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
6 d late
2023
on the day
2022
11 d late
2021
12 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▲ 0.2%
2024 · €89k
2018: €32k
2019: €37k
2020: €69k
2021: €70k
2022: €88k
2023: €88k
2024: €89k
2018 → 2025
Net result
€46k▲ 71.2%
2024 · €27k
2018: €-2k
2019: €6k
2020: €33k
2021: €869
2022: €68k
2023: €44k
2024: €27k
2018 → 2025
Total assets
€481k▼ 10.5%
2024 · €538k
2018: €115k
2019: €116k
2020: €153k
2021: €133k
2022: €221k
2023: €203k
2024: €538k
2018 → 2025
Solvency
18.5%▲ 2.0pp
2024 · 16.5%
2018: 27.7%
2019: 32.4%
2020: 45.1%
2021: 52.5%
2022: 39.8%
2023: 43.4%
2024: 16.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€261k
Equity€70k-€88k▲ 25.3%€88k▲ 0.5%€89k▲ 0.5%€89k▲ 0.2%
Operating result€5k-€98k▲ 2,069%€65k▼ 33.4%€58k▼ 10.7%€85k▲ 46.1%
Net result€869-€68k▲ 7,693%€44k▼ 34.3%€27k▼ 39.3%€46k▲ 71.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 46% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €481k
Fixed assets
€288k ▼ 11.2%
Current assets
€193k ▼ 9.4%
Equity and liabilities €481k
Equity
€89k ▲ 0.2%
Debt
€392k ▼ 12.6%
Debt's share of the balance-sheet total falls from 83.5% to 81.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
51.9%▲
2024 · 30.4%
ROA
9.6%▲
2024 · 5.0%
Debt ≤ 1 year
€126k▼
2024 · €149k
Debt > 1 year
€267k▼
2024 · €300k
Income taxes
€23k▲
2024 · €17k
Staff costs
€177k▲
2024 · €159k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€538k€481k▼
Formation expenses20-€0
Fixed assets21/28€324k€288k▼
Intangible fixed assets21€303k€271k▼
Tangible fixed assets22/27€20k€17k▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€18k€5k▼
Other tangible fixed assets26€2k€12k▲
Financial fixed assets28€219€219=
Current assets29/58€213k€193k▼
Amounts receivable after more than one year29€68k€68k=
Trade receivables290€68k-
Other amounts receivable291-€68k
Amounts receivable within one year40/41€69k€107k▲
Trade receivables40€31k€30k▼
Other amounts receivable41€37k€77k▲
Current investments50/53-€2k
Cash at bank and in hand54/58€55k€23▼
Deferred charges and accrued income490/1€22k€16k▼
Equity and liabilities
Total equity and liabilities10/49€538k€481k▼
Equity10/15€89k€89k▲
Contributions10/11€6k€6k=
Reserves13€72k€72k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€66k€66k=
Profit (loss) carried forward14€11k€11k▲
Amounts payable17/49€449k€392k▼
Amounts payable after more than one year17€300k€267k▼
Financial debts170/4€300k€267k▼
Amounts payable within one year42/48€149k€126k▼
Current portion of amounts payable after more than one year42€68k€50k▼
Financial debts43€8k€12k▲
Credit institutions430/8€8k€12k▲
Trade debts44€38k€11k▼
Suppliers440/4€38k€11k▼
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€2k€3k▲
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€27k€46k▲
Income statement
Code20242025
Remuneration, social security and pensions62€159k€177k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€47k▲
Non-recurring operating charges66A€150€11k▲
Gross operating margin9900€257k€321k▲
Operating profit (loss)9901€58k€85k▲
Financial income75/76B€36€11▼
Recurring financial income75€36€11▼
Financial charges65/66B€14k€17k▲
Recurring financial charges65€14k€17k▲
Profit (loss) for the period before taxes9903€44k€69k▲
Income taxes67/77€17k€23k▲
Profit (loss) for the period9904€27k€46k▲
Profit (loss) for the period to be appropriated9905€27k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€57k▲
Profit (loss) brought forward from the previous period14P€10k€11k▲
Profit to be distributed694/7€27k€46k▲
Return on contributions (dividend)694€27k€46k▲
The notes to these accounts (10 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
30-09
Financial
Highest result since 2018net €68k ▲7693%
Operating result €98k, net result €68k, both a record.
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 4 days late
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ukkel · 1 establishment unit since 2008
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.
Vanderkinderestraat 1791180 UkkelGround area
257 m²
Building footprint
90 m²
Volume, LiDAR
1,253 m³
Parcel 21618B0276/00S059, Brussels · tallest building 17.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PME ASSURANCES
since 20082.170.393.311
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21618B0276/00S059 | Brussels | 257 m² | 1 · 90 m² | 17.9 m · 5 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.
Similar companies · same sector, comparable size
E.F.A. VERZEKERINGEN
BE 0467.246.228
Genk · Eq €88,872
GROUP EURO-CONSEIL
BE 0834.294.723
Waremme · Eq €89,073
ASSURFINANCE JEAN-FRANCOIS CAULIER
BE 0425.829.901
Jurbise · Eq €89,105
ASSURANCES DOSSCHE CONSEILS
BE 0717.841.372
Enghien · Eq €89,256
KANTOOR CASSIMONS
BE 1000.939.634
Londerzeel · Eq €89,325
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,649 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
Founded17-04-2008
Fiscal year end30-09
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.