Summary
CAPASSUR 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 €146,899 and a net result of €331,432. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 28% of 2460 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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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 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
73 d early
2023
34 d early
2022
46 d early
2021
39 d early
2020
57 d early
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 48 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€146,899▲ 1.0%
2024 · €145,467
Net result
€331,432▲ 7.2%
2024 · €309,169
Total assets
€646,401▲ 15.3%
2024 · €560,657
Solvency
22.7%▼ 3.2pp
2024 · 25.9%
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
Operating result€193,575▲ 83.0%€282,318▲ 45.8%€340,330▲ 20.5%€407,880▲ 19.8%€429,757▲ 5.4%
Net result€140,141▲ 71.5%€205,822▲ 46.9%€259,631▲ 26.1%€309,169▲ 19.1%€331,432▲ 7.2%
Equity€80,474▲ 486%€146,296▲ 81.8%€146,298=€145,467▼ 0.6%€146,899▲ 1.0%
Total assets€323,160▲ 128%€421,499▲ 30.4%€536,271▲ 27.2%€560,657▲ 4.5%€646,401▲ 15.3%
Debt€242,686▲ 89.7%€275,203▲ 13.4%€373,333▲ 35.7%€415,191▲ 11.2%€499,503▲ 20.3%
Working capital€17,864€93,491▲ 423%€112,198▲ 20.0%€102,570▼ 8.6%€7,072▼ 93.1%
Solvency24.9%▲ 15.2pp34.7%▲ 9.8pp27.3%▼ 7.4pp25.9%▼ 1.3pp22.7%▼ 3.2pp
Staff (FTE)2.3▲ 64.3%2.4▲ 4.3%2.4=2.8▲ 16.7%2.8=
Turnover and EBIT margin not published: the 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 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €646,401
Fixed assets
€209,424 ▲ 334%
Current assets
€436,978 ▼ 14.7%
Equity and liabilities €646,401
Equity
€146,899 ▲ 1.0%
Debt
€499,503 ▲ 20.3%
Debt's share of the balance-sheet total rises from 74.1% to 77.3%. Equity and debt are higher.
Key figures and ratios
ROE
225.6%▲
2024 · 212.5%
ROA
51.3%▼
2024 · 55.1%
Debt ≤ 1 year
€429,905▲
2024 · €409,823
Debt > 1 year
€69,597▲
2024 · €5,368
Income taxes
€100,446▲
2024 · €99,885
Staff costs
€200,516▲
2024 · €193,528
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €117,374 | €145,459 | €164,292 | €193,528 | €200,516 | ▲ 3.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,211 | €34,777 | €33,512 | €34,363 | €30,532 | ▼ 11.1% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €16,640 | - | - | - |
| Other operating charges640/8 | €606 | €1,546 | €191 | €348 | €5,889 | ▲ 1,593% |
| Gross operating margin9900 | €339,765 | €464,101 | €554,965 | €636,119 | €666,694 | ▲ 4.8% |
| Operating profit (loss)9901 | €193,575 | €282,318 | €340,330 | €407,880 | €429,757 | ▲ 5.4% |
| Financial income75/76B | €0 | - | €2,689 | €1,538 | €2,600 | ▲ 69.1% |
| Recurring financial income75 | €0 | - | €2,689 | €1,538 | €2,600 | ▲ 69.1% |
| Financial charges65/66B | €371 | €825 | €339 | €365 | €479 | ▲ 31.4% |
| Recurring financial charges65 | €371 | €825 | €339 | €365 | €479 | ▲ 31.4% |
| Profit (loss) for the period before taxes9903 | €193,204 | €281,494 | €342,679 | €409,053 | €431,878 | ▲ 5.6% |
| Income taxes67/77 | €53,064 | €75,671 | €83,048 | €99,885 | €100,446 | ▲ 0.6% |
| Profit (loss) for the period9904 | €140,141 | €205,822 | €259,631 | €309,169 | €331,432 | ▲ 7.2% |
| Profit (loss) for the period to be appropriated9905 | €140,141 | €205,822 | €259,631 | €309,169 | €331,432 | ▲ 7.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €323,160 | €421,499 | €536,271 | €560,657 | €646,401 | ▲ 15.3% |
| Fixed assets21/28 | €132,074 | €100,968 | €77,538 | €48,265 | €209,424 | ▲ 334% |
| Intangible fixed assets21 | €982 | - | €6,812 | €6,107 | €5,402 | ▼ 11.5% |
| Tangible fixed assets22/27 | €129,292 | €99,168 | €68,926 | €40,358 | €203,762 | ▲ 405% |
| Plant, machinery and equipment23 | €21,413 | €14,908 | €9,625 | €4,342 | €177,570 | ▲ 3,989% |
| Furniture and vehicles24 | €107,879 | €84,260 | €59,301 | €36,015 | €26,192 | ▼ 27.3% |
| Financial fixed assets28 | €1,800 | €1,800 | €1,800 | €1,800 | €260 | ▼ 85.6% |
| Current assets29/58 | €191,086 | €320,531 | €458,733 | €512,392 | €436,978 | ▼ 14.7% |
| Amounts receivable within one year40/41 | €37,351 | €35,281 | €46,280 | €48,762 | €52,398 | ▲ 7.5% |
| Trade receivables40 | €37,351 | €35,281 | €46,280 | €48,762 | €52,299 | ▲ 7.3% |
| Other amounts receivable41 | - | - | - | - | €100 | - |
| Current investments50/53 | - | €14,658 | €16,640 | - | - | - |
| Cash at bank and in hand54/58 | €153,735 | €270,592 | €395,812 | €458,451 | €379,862 | ▼ 17.1% |
| Deferred charges and accrued income490/1 | - | - | - | €5,179 | €4,717 | ▼ 8.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €323,160 | €421,499 | €536,271 | €560,657 | €646,401 | ▲ 15.3% |
| Equity10/15 | €80,474 | €146,296 | €146,298 | €145,467 | €146,899 | ▲ 1.0% |
| Contributions10/11 | €8,060 | €8,060 | €8,060 | €8,060 | €8,060 | = |
| Reserves13 | €72,414 | €138,236 | €138,238 | €137,407 | €138,839 | ▲ 1.0% |
| Distributable reserves133 | €72,414 | €138,236 | €138,238 | €137,407 | €138,839 | ▲ 1.0% |
| Provisions and deferred taxes16 | - | - | €16,640 | - | - | - |
| Provisions for liabilities and charges160/5 | - | - | €16,640 | - | - | - |
| Environmental obligations163 | - | - | €16,640 | - | - | - |
| Amounts payable17/49 | €242,686 | €275,203 | €373,333 | €415,191 | €499,503 | ▲ 20.3% |
| Amounts payable after more than one year17 | €69,463 | €48,163 | €26,798 | €5,368 | €69,597 | ▲ 1,197% |
| Financial debts170/4 | €69,463 | €48,163 | €26,798 | €5,368 | €69,597 | ▲ 1,197% |
| Amounts payable within one year42/48 | €173,222 | €227,040 | €346,534 | €409,823 | €429,905 | ▲ 4.9% |
| Current portion of amounts payable after more than one year42 | €21,235 | €21,300 | €21,365 | €21,430 | €15,770 | ▼ 26.4% |
| Trade debts44 | €15,997 | €13,944 | €15,967 | €18,861 | €45,192 | ▲ 140% |
| Suppliers440/4 | €15,997 | €13,944 | €15,967 | €18,861 | €45,192 | ▲ 140% |
| Taxes, remuneration and social security45 | €62,583 | €51,796 | €49,573 | €59,531 | €38,943 | ▼ 34.6% |
| Taxes450/3 | €30,064 | €20,671 | €12,836 | €19,428 | - | - |
| Remuneration and social security454/9 | €32,519 | €31,124 | €36,736 | €40,103 | €38,943 | ▼ 2.9% |
| Other amounts payable47/48 | €73,407 | €140,000 | €259,630 | €310,000 | €330,000 | ▲ 6.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €140,141 | €205,822 | €259,631 | €309,169 | €331,432 | ▲ 7.2% |
| + Depreciation and write-downs630 | €28,211 | €34,777 | €33,512 | €34,363 | €30,532 | ▼ 11.1% |
| Operating cash flow (approximation) | €168,351 | €240,599 | €293,143 | €343,532 | €361,964 | ▲ 5.4% |
| Investment in fixed assets (approximation) | - | -€3,672 | -€10,081 | -€5,090 | -€191,691 | ▼ 3,666% |
| Change in cash | - | €116,857 | €125,221 | €62,639 | -€78,589 | ▼ 225% |
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €331,432 ▲7.2%
Operating result €429,757, net result €331,432, both a record.
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100,000Eq €146,296 ▲81.8%
5 profitable years in a row build equity to €146,296.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €59,048 ▼14.9%
Net result drops to €59,048, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
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, Verviers · 1 establishment unit since 2008
Ground area
962 m²
Building footprint
149 m²
Volume, LiDAR
827 m³
Parcel 63576F1323/00V011, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CAPASSUR
since 20082.191.978.086
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63576F1323/00V011 | Wallonia | 962 m² | 1 · 149 m² | 7.8 m · 2 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
875500ZIAF3ZMEB0V014
Similar companies · same sector, comparable size
ZAKENKANTOOR DUCHATEAU
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ACCIP
BE 0757.559.904
La Louvière · Eq €147,381
FIXIN
BE 0878.810.793
Wervik · Eq €146,196
VGV CONSULT
BE 0786.512.028
Bilzen-Hoeselt · Eq €147,787
Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,811 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
Founded19-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.