CARREFOUR DE L'ASSURANCE
ActiveCARREFOUR DE L'ASSURANCE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €87k. Equity is growing by ~6.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency54▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.82 in 2024; short-term debt: 54% of total assets), but 70.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.4%
Return on assets
25.7%
Age of the figures
9 mo
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
38 d early
2023
20 d late
2022
33 d early
2021
30 d late
2020
53 d early
2019
103 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€285k
EBIT margin
26.0%
Net result
€87k▼ 18.0%
2024 · €106k
2018: €43k
2019: €57k
2020: €84k
2021: €91k
2022: €156k
2023: €100k
2024: €106k
2018 → 2025
Working capital
€155k▼ 6.1%
2024 · €165k
2018: €-83k
2019: €-27k
2020: €62k
2021: €155k
2022: €166k
2023: €158k
2024: €165k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€92k▼ 61.1%€92k▲ 0.1%€98k▲ 6.3%€99k▲ 1.8%
Operating result€126k-€210k▲ 66.0%€130k▼ 38.0%€140k▲ 7.5%€111k▼ 20.4%
Net result€91k-€156k▲ 71.6%€100k▼ 35.6%€106k▲ 5.7%€87k▼ 18.0%
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 20% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €338k
Fixed assets
€415▼ 95.9%
Current assets
€337k▼ 7.5%
Equity and liabilities €338k
Equity
€99k▲ 1.8%
Debt
€238k▼ 14.0%
The debt ratio falls from 73.9% to 70.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
29.4%▲
2024 · 26.1%
Current ratio
1.85▲
2024 · 1.82
Quick ratio
1.85▲
2024 · 1.82
Debt / equity
2.40▼
2024 · 2.84
ROE
87.2%▼
2024 · 108.2%
ROA
25.7%▼
2024 · 28.2%
Debt
€238k▼
2024 · €277k
Debt ≤ 1 year
€183k▼
2024 · €200k
Income taxes
€32k▼
2024 · €41k
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€375k€338k▼
Fixed assets21/28€10k€415▼
Tangible fixed assets22/27€10k-
Leasing and similar rights25€10k-
Financial fixed assets28€415€415=
Current assets29/58€365k€337k▼
Amounts receivable within one year40/41€354k€328k▼
Trade receivables40€20k€18k▼
Other amounts receivable41€334k€310k▼
Deferred charges and accrued income490/1€10k€10k▼
Equity and liabilities
Total equity and liabilities10/49€375k€338k▼
Equity10/15€98k€99k▲
Contributions10/11€19k€19k=
Reserves13€67k€67k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€12k€14k▲
Amounts payable17/49€277k€238k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€200k€183k▼
Current portion of amounts payable after more than one year42€6k-
Financial debts43€11k€24k▲
Credit institutions430/8€11k€24k▲
Trade debts44€3k€426▼
Suppliers440/4€3k€426▼
Taxes, remuneration and social security45€80k€73k▼
Taxes450/3€80k€73k▼
Other amounts payable47/48€100k€85k▼
Accrued charges and deferred income492/3€74k€56k▼
Income statement
Code20242025
Remuneration, social security and pensions62€-3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k-
Other operating charges640/8€784€370▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€144k€113k▼
Operating profit (loss)9901€140k€111k▼
Financial income75/76B€11k€10k▼
Recurring financial income75€11k€10k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€147k€119k▼
Income taxes67/77€41k€32k▼
Profit (loss) for the period9904€106k€87k▼
Profit (loss) for the period to be appropriated9905€106k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€99k▼
Profit (loss) brought forward from the previous period14P€7k€12k▲
Profit to be distributed694/7€100k€85k▼
Return on contributions (dividend)694€100k€85k▼
The notes to these accounts (9 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €156k ▲71.6%
Operating result €210k, net result €156k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €200kEq €236k ▲62.2%
4 profitable years in a row build equity to €236k.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 2.00
Current ratio from 0.71 to 2.00; short-term debt falls from €91k to €62k.
31-12
Financial
Equity above €100kEq €146k ▲134%
3 profitable years in a row build equity to €146k.
11-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 103 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 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, Rochefort · 1 establishment unit since 2007
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.
Square Crépin 15580 RochefortGround area
647 m²
Building footprint
229 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
CARREFOUR DE L'ENTREPRISE
since 20072.230.308.726
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91114A1539/00R014indicative | Wallonia | 537 m² | 1 · 134 m² | - |
| 91114A1189/00M007 | Wallonia | 110 m² | 1 · 95 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2007
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:annemichel290809@gmail.com
Phone:084/21 25 97