Summary
COLASSUR 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 €99,585 and a net result of €1,171. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 2515 sector peers (fiscal year 2025). The company has been active since 1994 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
43 d early
2023
37 d early
2022
56 d early
2021
16 d late
2020
31 d late
2019
66 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 32 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% 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. Usually files around 18 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€99,585▲ 1.2%
2024 · €98,414
Net result
€1,171▼ 85.0%
2024 · €7,808
Total assets
€117,440▼ 6.0%
2024 · €124,888
Solvency
84.8%▲ 6.0pp
2024 · 78.8%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€122,732▲ 9.5%€117,304▼ 4.4%€120,584▲ 2.8%€122,625▲ 1.7%€130,174▲ 6.2%
Operating result€16,171€4,759▼ 70.6%€13,057▲ 174%€15,062▲ 15.4%€7,954▼ 47.2%
Net result€8,539within the sector's middle half-€498below the sector's middle half€6,019within the sector's middle half€7,808within the sector's middle half▲ 29.7%€1,171below the sector's middle half▼ 85.0%
Equity€85,085within the sector's middle half▲ 11.2%€84,587within the sector's middle half▼ 0.6%€90,606within the sector's middle half▲ 7.1%€98,414within the sector's middle half▲ 8.6%€99,585within the sector's middle half▲ 1.2%
Total assets€110,542below the sector's middle half▲ 5.0%€102,130below the sector's middle half▼ 7.6%€108,318below the sector's middle half▲ 6.1%€124,888below the sector's middle half▲ 15.3%€117,440below the sector's middle half▼ 6.0%
Debt€25,457▼ 11.4%€17,543▼ 31.1%€17,712▲ 1.0%€26,474▲ 49.5%€17,855▼ 32.6%
Working capital€58,483within the sector's middle half▲ 10.6%€55,023within the sector's middle half▼ 5.9%€67,218within the sector's middle half▲ 22.2%€70,344within the sector's middle half▲ 4.6%€71,814within the sector's middle half▲ 2.1%
Solvency77.0%above the sector's middle half▲ 4.3pp82.8%above the sector's middle half▲ 5.9pp83.6%above the sector's middle half▲ 0.8pp78.8%above the sector's middle half▼ 4.8pp84.8%above the sector's middle half▲ 6.0pp
Current ratio4.01above the sector's middle half▼ 0.214.14above the sector's middle half▲ 0.126.57above the sector's middle half▲ 2.445.79above the sector's middle half▼ 0.788.48above the sector's middle half▲ 2.69
Return on assets (ROA)7.7%within the sector's middle half▲ 15.7pp-0.5%below the sector's middle half▼ 8.2pp5.6%within the sector's middle half▲ 6.0pp6.3%within the sector's middle half▲ 0.7pp1.0%below the sector's middle half▼ 5.3pp
Staff (FTE)1▲ 233%1=1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117,440
Fixed assets
€36,031 ▼ 9.6%
Current assets
€81,408 ▼ 4.2%
Equity and liabilities €117,440
Equity
€99,585 ▲ 1.2%
Debt
€17,855 ▼ 32.6%
Debt's share of the balance-sheet total falls from 21.2% to 15.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.2%▼
2024 · 7.9%
Debt ≤ 1 year
€9,594▼
2024 · €14,674
Debt > 1 year
€8,260▼
2024 · €11,800
Income taxes
€4,931▲
2024 · €4,507
Staff costs
€11,785▲
2024 · €11,697
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 |
|---|---|---|---|---|---|---|
| Turnover70 | €122,732 | €117,304 | €120,584 | €122,625 | €130,174 | ▲ 6.2% |
| Non-recurring operating income76A | €310 | - | €4 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €88,459 | €90,976 | €85,511 | €87,024 | €89,858 | ▲ 3.3% |
| Remuneration, social security and pensions62 | €9,792 | €10,456 | €11,562 | €11,697 | €11,785 | ▲ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,331 | €3,081 | €3,114 | €5,049 | €6,684 | ▲ 32.4% |
| Other operating charges640/8 | €3,703 | €3,827 | €3,106 | €4,027 | €4,096 | ▲ 1.7% |
| Non-recurring operating charges66A | €1,761 | €4,205 | €4,521 | - | €11,172 | - |
| Gross operating margin9900 | €34,757 | €26,328 | €35,360 | €35,835 | €41,690 | ▲ 16.3% |
| Operating profit (loss)9901 | €16,171 | €4,759 | €13,057 | €15,062 | €7,954 | ▼ 47.2% |
| Financial income75/76B | €3 | - | - | €0 | €2 | ▲ 21,800% |
| Recurring financial income75 | €3 | - | - | €0 | €2 | ▲ 21,800% |
| Financial charges65/66B | €2,848 | €2,548 | €2,470 | €2,746 | €1,854 | ▼ 32.5% |
| Recurring financial charges65 | €2,848 | €2,548 | €2,470 | €2,746 | €1,854 | ▼ 32.5% |
| Profit (loss) for the period before taxes9903 | €13,326 | €2,211 | €10,587 | €12,316 | €6,102 | ▼ 50.5% |
| Income taxes67/77 | €4,787 | €2,709 | €4,568 | €4,507 | €4,931 | ▲ 9.4% |
| Profit (loss) for the period9904 | €8,539 | -€498 | €6,019 | €7,808 | €1,171 | ▼ 85.0% |
| Profit (loss) for the period to be appropriated9905 | €8,539 | -€498 | €6,019 | €7,808 | €1,171 | ▼ 85.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €110,542 | €102,130 | €108,318 | €124,888 | €117,440 | ▼ 6.0% |
| Fixed assets21/28 | €32,644 | €29,564 | €29,036 | €39,871 | €36,031 | ▼ 9.6% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €32,447 | €29,367 | €28,839 | €39,673 | €35,834 | ▼ 9.7% |
| Land and buildings22 | €32,129 | €29,155 | €26,180 | €23,205 | €20,230 | ▼ 12.8% |
| Plant, machinery and equipment23 | €0 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €0 | €0 | €2,553 | €1,906 | €2,982 | ▲ 56.4% |
| Other tangible fixed assets26 | €318 | €212 | €106 | €14,562 | €12,622 | ▼ 13.3% |
| Financial fixed assets28 | €197 | €197 | €197 | €197 | €197 | = |
| Current assets29/58 | €77,898 | €72,566 | €79,281 | €85,017 | €81,408 | ▼ 4.2% |
| Amounts receivable within one year40/41 | €61,335 | €59,308 | €66,703 | €71,398 | €71,127 | ▼ 0.4% |
| Trade receivables40 | €12,494 | €8,360 | €9,112 | €15,096 | €9,451 | ▼ 37.4% |
| Other amounts receivable41 | €48,842 | €50,947 | €57,591 | €56,303 | €61,676 | ▲ 9.5% |
| Cash at bank and in hand54/58 | €14,783 | €12,164 | €10,230 | €11,058 | €9,409 | ▼ 14.9% |
| Deferred charges and accrued income490/1 | €1,780 | €1,094 | €2,348 | €2,561 | €873 | ▼ 65.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €110,542 | €102,130 | €108,318 | €124,888 | €117,440 | ▼ 6.0% |
| Equity10/15 | €85,085 | €84,587 | €90,606 | €98,414 | €99,585 | ▲ 1.2% |
| Contributions10/11 | €30,987 | €30,987 | €30,987 | €30,987 | €30,987 | = |
| Reserves13 | €16,279 | €16,279 | €22,298 | €30,106 | €31,277 | ▲ 3.9% |
| Non-distributable reserves130/1 | €15,738 | €15,738 | €21,757 | €29,565 | €30,736 | ▲ 4.0% |
| Reserves not available under the articles1311 | €3,197 | €3,197 | €3,197 | €3,197 | €3,197 | = |
| Other1319 | €12,540 | €12,540 | €18,559 | €26,368 | €27,538 | ▲ 4.4% |
| Tax-exempt reserves132 | €541 | €541 | €541 | €541 | €541 | = |
| Profit (loss) carried forward14 | €37,820 | €37,321 | €37,321 | €37,321 | €37,321 | = |
| Amounts payable17/49 | €25,457 | €17,543 | €17,712 | €26,474 | €17,855 | ▼ 32.6% |
| Amounts payable after more than one year17 | €6,043 | - | €5,649 | €11,800 | €8,260 | ▼ 30.0% |
| Financial debts170/4 | €6,043 | - | €5,649 | €11,800 | €8,260 | ▼ 30.0% |
| Amounts payable within one year42/48 | €19,414 | €17,543 | €12,063 | €14,674 | €9,594 | ▼ 34.6% |
| Current portion of amounts payable after more than one year42 | €6,264 | €6,043 | €2,360 | €3,540 | €3,540 | = |
| Financial debts43 | €6,488 | €5,756 | €6,432 | €6,043 | €3,464 | ▼ 42.7% |
| Credit institutions430/8 | €6,488 | €5,756 | €6,432 | €6,043 | €3,464 | ▼ 42.7% |
| Trade debts44 | €3,926 | €1,750 | €282 | €2,214 | €813 | ▼ 63.3% |
| Suppliers440/4 | €3,926 | €1,750 | €282 | €2,214 | €813 | ▼ 63.3% |
| Taxes, remuneration and social security45 | €2,736 | €3,994 | €2,989 | €2,876 | €1,777 | ▼ 38.2% |
| Taxes450/3 | - | €957 | - | - | - | - |
| Remuneration and social security454/9 | €2,736 | €3,037 | €2,989 | €2,876 | €1,777 | ▼ 38.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,539 | -€498 | €6,019 | €7,808 | €1,171 | ▼ 85.0% |
| + Depreciation and write-downs630 | €3,331 | €3,081 | €3,114 | €5,049 | €6,684 | ▲ 32.4% |
| Operating cash flow (approximation) | €11,870 | €2,582 | €9,133 | €12,857 | €7,855 | ▼ 38.9% |
| Investment in fixed assets (approximation) | - | €0 | -€2,587 | -€15,884 | -€2,845 | ▲ 82.1% |
| Change in cash | - | -€2,619 | -€1,934 | €828 | -€1,650 | ▼ 299% |
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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €6,019
Net result €6,019 after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €8,539
Net result €8,539 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€8,405
Net result drops to -€8,405, the lowest in the series; recovery starts the following year.
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Fontaine-l'Evêque · 1 establishment unit since 1994
Ground area
464 m²
Building footprint
243 m²
Volume, LiDAR
2,259 m³
Parcel 52022D0313/00Z000, Wallonia · tallest building 15.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
COLASSUR SA
since 19942.069.102.248
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52022D0313/00Z000 | Wallonia | 464 m² | 1 · 243 m² | 15.0 m · 3 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.
Similar companies · same sector, comparable size
FASSOTTE ASSURANCES
BE 0440.235.290
Blégny · Eq €99,602
FINDIN
BE 0471.711.988
Tienen · Eq €99,410
Pilõ
BE 0736.926.816
Ukkel · Eq €99,340
Assurances VAN DE KERCHOVE
BE 0812.071.330
Tournai · Eq €99,996
ZAKENKANTOOR DE KONING
BE 0442.328.017
Lochristi · Eq €100,000
Of 4,671 companies in this sector we hold annual accounts for 3,221. 2,696 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded16-11-1994
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0453802523
Registered
29-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.