Equity
-€126,232
Debts exceed assets in financial year 2025.
DDM ASSURANCES
Lifetime
6 annual accounts with figures on one time axispeak €153,927 (2020)
€149,882▲ 53.0%
lowest -€83,070 (2025)
-€83,070▼ €40,304
peak €18,980 (2020)
-€126,232▼ €83,070
€203,205▲ 7.4%
peak 3 FTE (2025)
3 FTE▲ 114%
Board2 names since 2018
2 directorsDIROSA Daniel and 1 other
Documentsfilings and deeds
10-08-202610 days late
2025abbreviated format
Gross margin from €97,982 to €149,882Loss of €83,070Staff from 1.4 FTE to 3 FTEEquity from -€43,162 to -€126,232Cash from €24,094 to €5,267
Key points
from the 2025 annual accountsLosses
-€125,837 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Turnover
≈ €300,000 estimated
The accounts state no turnover.
Debts
€203,205 264% of the balance sheet
Suppliers 3%Taxes and wages 8%Other 89%
Of this, €37,910 falls due within a year.
Filings
6 annual accounts 6 late
The 2019 accounts came latest: 59 days after the end of the period.
Position in the sector
-164.0%
Lower solvency than 95% of companies in auxiliary financial services. Sector median 38.5% · 1,857 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1857 sector peers (2025).
NBB · sector comparisonPosition among 1857 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · 2025 accounts filed 10 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
10 days late
2024
25 days late
2023
26 days late
2022
31 days late
2020
19 days late
2019
59 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 28 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- DIROSA Michel 100 sharesdeed of 22-02-2022
- DIROSA Daniel Gaetano 100 sharesdeed of 22-02-2022
Recent changes
Registered office moved from Colfontaine to Hornu
New registered office: Rue de Valenciennes, 255 à 7301 Hornu · Previous registered office: Place de Pâturages, 2 à 7340 Colfontaine · General meeting of 01-12-2023 · Gazette deed
Registered office moved from Frameries to Pâturages
New registered office: Place de Pâturages, 2 à 7340 Pâturages · Previous registered office: 13, Rue Chabotteau à 7080 Frameries · General meeting of 06-01-2023 · Gazette deed
Changes of role: DIROSA Michel (director) and DIROSA Daniel Gaetano (director)
Permanent representative: DIROSA Michel · DIROSA Michel holds 100 shares · DIROSA Daniel Gaetano holds 100 shares · General meeting of 16-02-2022 · Gazette deed
First establishment
AC CONSULTING – GROUP DIROSA, Place de Pâturages 2, Colfontaine
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DDM ASSURANCES Colfontaine | €76,973 | €149,882 | -164.0% | 3 |
| ACRES CREDITS Charleroi | €69,435 | €183,549 | 27.2% | 2.5 |
| IDEEO Charleroi | €60,436 | €156,305 | 41.2% | 1.8 |
| CONDROZ CONSULT ASSURANCES Clavier | €90,502 | €175,639 | 45.3% | 1.8 |
| Armoni Financial Architects Chaudfontaine | €108,372 | €299,193 | 34.0% | 1.7 |
| ATOUT MAISON Dour | €98,615 | €209,998 | 32.0% | 2 |
| C.L.S ASSURANCES NEW Ath | €79,036 | €183,892 | 77.2% | 1.3 |
These companies have the same main activity as DDM ASSURANCES: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €60,400 and €108,000, founded between 2009 and 2022.
Official details
Source: KBO- Status
- Active since 21-11-2018Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Establishment unit
- 2.282.074.3597340 Colfontaine, since 01-12-2018
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €76,973▼ 47.3%
- Employeeson 31-12-2025
- 3▲ 50.0%
- Filing
- Filed on 10-08-2026
Insights on DDM ASSURANCES
DDM ASSURANCES files the abbreviated format. That format states no turnover. The gross margin rose from €125,577 in 2019 to €149,882 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DDM ASSURANCES
- What is the company number of DDM ASSURANCES?
- The company number of DDM ASSURANCES is 0713.752.427. The VAT number is the same number with BE in front: BE 0713.752.427.
- Where is DDM ASSURANCES based?
- The registered office is at Place de Pâturages 2, 7340 Colfontaine.Company details
- What does DDM ASSURANCES do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of DDM ASSURANCES?
- DDM ASSURANCES is a private limited company (BV).
- When was DDM ASSURANCES founded?
- DDM ASSURANCES was founded on 21-11-2018.
- Is DDM ASSURANCES still active?
- Yes, DDM ASSURANCES is an active enterprise in the KBO register.
- How many employees does DDM ASSURANCES have?
- DDM ASSURANCES had an average of 3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of DDM ASSURANCES?
- The turnover in financial year 2025 is ≈ €300,000. This figure is estimated from the gross margin of €149,882 and 30 comparable companies (NACE 66220). It probably lies between €240,000 and €380,000.
- Is DDM ASSURANCES profitable?
- In financial year 2025, DDM ASSURANCES made a loss of €83,070.
- Where can I find the annual accounts of DDM ASSURANCES?
- DDM ASSURANCES filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DDM ASSURANCES due?
- DDM ASSURANCES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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