DDM ASSURANCES
ActiveSummary
DDM ASSURANCES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-126k) and a net result of €-83k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 1475 sector peers (fiscal year 2025). The company has been active since 2018 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 5% of 1475 sector peers (2025).
NBB · sector comparisonPosition among 1475 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
10 d late
2024
25 d late
2023
26 d late
2022
31 d late
2020
19 d late
2019
59 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-126k▼ 192%
2024 · €-43k
2019: €2k
2020: €19k
2022: €-6k
2023: €-395
2024: €-43k
2019 → 2025
Net result
€-83k▼ 94.2%
2024 · €-43k
2019: €-18k
2020: €16k
2022: €-27k
2023: €6k
2024: €-43k
2019 → 2025
Total assets
€77k▼ 47.3%
2024 · €146k
2019: €498k
2020: €453k
2022: €279k
2023: €216k
2024: €146k
2019 → 2025
Solvency
-164.0%▼ 134.4pp
2024 · -29.6%
2019: 0.5%
2020: 4.2%
2022: -2.3%
2023: -0.2%
2024: -29.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€19k-€-6k€-395▲ 93.9%€-43k▼ 10,817%€-126k▼ 192%
Operating result€20k-€-22k€7k€-43k€-83k▼ 95.1%
Net result€16k-€-27k€6k€-43k€-83k▼ 94.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €83k in 2025 against €43k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€5k ▼ 94.2%
Current assets
€72k ▲ 32.0%
Key figures and ratios
ROA
-107.9%▼
2024 · -29.3%
Debt
€203k▲
2024 · €189k
Debt ≤ 1 year
€38k▲
2024 · €20k
Debt > 1 year
€165k=
2024 · €165k
Staff costs
€150k▲
2024 · €58k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€146k€77k▼
Fixed assets21/28€92k€5k▼
Intangible fixed assets21€77k-
Tangible fixed assets22/27€13k€3k▼
Furniture and vehicles24€13k€3k▼
Financial fixed assets28€2k€2k▼
Current assets29/58€54k€72k▲
Amounts receivable after more than one year29-€16k
Other amounts receivable291-€16k
Amounts receivable within one year40/41€228-
Other amounts receivable41€228-
Cash at bank and in hand54/58€24k€5k▼
Deferred charges and accrued income490/1€30k€50k▲
Equity and liabilities
Total equity and liabilities10/49€146k€77k▼
Equity10/15€-43k€-126k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-63k€-146k▼
Amounts payable17/49€189k€203k▲
Amounts payable after more than one year17€165k€165k=
Other amounts payable178/9€165k€165k=
Amounts payable within one year42/48€20k€38k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€7k€17k▲
Remuneration and social security454/9€7k€17k▲
Other amounts payable47/48€10k€15k▲
Accrued charges and deferred income492/3€4k€295▼
Income statement
Code20242025
Remuneration, social security and pensions62€58k€150k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€80k▼
Other operating charges640/8€674€2k▲
Non-recurring operating charges66A-€22
Gross operating margin9900€98k€150k▲
Operating profit (loss)9901€-43k€-83k▼
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€187€4▼
Recurring financial charges65€187€4▼
Profit (loss) for the period before taxes9903€-43k€-83k▼
Profit (loss) for the period9904€-43k€-83k▼
Profit (loss) for the period to be appropriated9905€-43k€-83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-146k▼
Profit (loss) brought forward from the previous period14P€-20k€-63k▼
Social balance
Average headcount (FTE)90871.43.0▲
The notes to these accounts (14 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 10 days late
2025
31-12
Financial
Weakest financial yearnet €-83k
Net result drops to €-83k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 2.68
Current ratio from 0.99 to 2.68; short-term debt falls from €52k to €20k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Colfontaine · 1 establishment unit since 2018
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.
Place de Pâturages 27340 ColfontaineGround area
155 m²
Building footprint
141 m²
Volume, LiDAR
1,473 m³
Parcel 53064A0777/00P000, Wallonia · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AC CONSULTING – GROUP DIROSA
since 20182.282.074.359
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53064A0777/00P000 | Wallonia | 155 m² | 1 · 141 m² | 13.3 m · 4 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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,470 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
Founded21-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:dirosa.michel@dirosa.be
Phone:0475/504006
Phone:065/51.04.84