Summary
DEVILLE Assurances is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.0m and a net result of €37,933. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 68% of 3316 sector peers (fiscal year 2024). The company has been active since 2016 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-10-2025, 62 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
62 d late
2023
70 d late
2022
57 d late
2021
185 d late
2020
146 d late
2019
117 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 106 days after 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 (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€1.0m▲ 3.9%
2023 · €978,062
Net result
€37,933▼ 85.5%
2023 · €260,806
Total assets
€1.5m▲ 1.6%
2023 · €1.4m
Solvency
69.0%▲ 1.5pp
2023 · 67.5%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
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).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€128,710▲ 172%€119,949▼ 6.8%€137,250▲ 14.4%€116,165▼ 15.4%€70,126▼ 39.6%
Net result€125,690above the sector's middle half▲ 859%€158,636above the sector's middle half▲ 26.2%€88,040above the sector's middle half▼ 44.5%€260,806above the sector's middle half▲ 196%€37,933within the sector's middle half▼ 85.5%
Equity€543,522above the sector's middle half▲ 5.0%€636,275above the sector's middle half▲ 17.1%€717,257above the sector's middle half▲ 12.7%€978,062above the sector's middle half▲ 36.4%€1.0mabove the sector's middle half▲ 3.9%
Total assets€1.6mabove the sector's middle half▲ 1.1%€1.6mabove the sector's middle half▼ 4.4%€1.5mabove the sector's middle half▼ 6.4%€1.4mabove the sector's middle half▼ 1.4%€1.5mabove the sector's middle half▲ 1.6%
Debt€1.1m▼ 0.7%€932,473▼ 15.0%€751,464▼ 19.4%€469,921▼ 37.5%€455,498▼ 3.1%
Working capital-€530,260below the sector's middle half▼ 17.5%-€599,323below the sector's middle half▼ 13.0%-€661,599below the sector's middle half▼ 10.4%-€367,312below the sector's middle half▲ 44.5%-€288,672below the sector's middle half▲ 21.4%
Solvency33.1%within the sector's middle half▲ 1.2pp40.6%within the sector's middle half▲ 7.4pp48.8%within the sector's middle half▲ 8.3pp67.5%within the sector's middle half▲ 18.7pp69.0%within the sector's middle half▲ 1.5pp
Current ratio0.19below the sector's middle half▲ 0.080.15below the sector's middle half▼ 0.040.08below the sector's middle half▼ 0.070.20below the sector's middle half▲ 0.120.34below the sector's middle half▲ 0.14
Return on assets (ROA)7.7%within the sector's middle half▲ 6.9pp10.1%within the sector's middle half▲ 2.5pp6.0%within the sector's middle half▼ 4.1pp18.0%within the sector's middle half▲ 12.0pp2.6%within the sector's middle half▼ 15.4pp
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 has fallen two years in a row; 2024 is 40% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.5m
Fixed assets
€1.3m ▼ 2.3%
Current assets
€147,659 ▲ 57.9%
Equity and liabilities €1.5m
Equity
€1.0m ▲ 3.9%
Debt
€455,498 ▼ 3.1%
Debt's share of the balance-sheet total falls from 32.5% to 31.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
3.7%▼
2023 · 26.7%
Debt ≤ 1 year
€436,331▼
2023 · €460,841
Debt > 1 year
€19,168▲
2023 · €9,080
Income taxes
€31,185▼
2023 · €60,509
Staff costs
€133,428▲
2023 · €116,270
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €121,376 | €127,788 | €116,270 | €133,428 | ▲ 14.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,950 | €53,950 | €54,111 | €54,205 | €57,295 | ▲ 5.7% |
| Other operating charges640/8 | - | €14,716 | €22,237 | €24,893 | €43,748 | ▲ 75.7% |
| Non-recurring operating charges66A | - | €335 | €1,305 | - | €3,552 | - |
| Gross operating margin9900 | €324,209 | €310,326 | €342,691 | €311,533 | €308,149 | ▼ 1.1% |
| Operating profit (loss)9901 | €128,710 | €119,949 | €137,250 | €116,165 | €70,126 | ▼ 39.6% |
| Financial income75/76B | - | €85,000 | €0 | €212,000 | €3,518 | ▼ 98.3% |
| Recurring financial income75 | €49,720 | €85,000 | €0 | €212,000 | €3,518 | ▼ 98.3% |
| Financial charges65/66B | - | €15,532 | €12,352 | €6,850 | €4,526 | ▼ 33.9% |
| Recurring financial charges65 | €20,109 | €15,532 | €12,352 | €6,850 | €4,526 | ▼ 33.9% |
| Profit (loss) for the period before taxes9903 | €158,322 | €189,418 | €124,897 | €321,314 | €69,118 | ▼ 78.5% |
| Income taxes67/77 | €32,632 | €30,782 | €36,857 | €60,509 | €31,185 | ▼ 48.5% |
| Profit (loss) for the period9904 | €125,690 | €158,636 | €88,040 | €260,806 | €37,933 | ▼ 85.5% |
| Profit (loss) for the period to be appropriated9905 | €125,690 | €158,636 | €88,040 | €260,806 | €37,933 | ▼ 85.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.6m | €1.6m | €1.5m | €1.4m | €1.5m | ▲ 1.6% |
| Fixed assets21/28 | €1.5m | €1.5m | €1.4m | €1.4m | €1.3m | ▼ 2.3% |
| Intangible fixed assets21 | €323,700 | €269,750 | €215,800 | €161,850 | €107,900 | ▼ 33.3% |
| Tangible fixed assets22/27 | - | - | €859 | €604 | €23,935 | ▲ 3,861% |
| Plant, machinery and equipment23 | - | - | €859 | €604 | €349 | ▼ 42.2% |
| Furniture and vehicles24 | - | - | - | - | €23,586 | - |
| Financial fixed assets28 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | = |
| Current assets29/58 | €125,488 | €106,998 | €60,061 | €93,529 | €147,659 | ▲ 57.9% |
| Amounts receivable after more than one year29 | - | €56,000 | €6,000 | - | - | - |
| Other amounts receivable291 | - | €56,000 | €6,000 | - | - | - |
| Amounts receivable within one year40/41 | €12,849 | €20,012 | €27,153 | €64,944 | €139,803 | ▲ 115% |
| Trade receivables40 | - | €20,012 | €27,153 | €34,944 | €54,188 | ▲ 55.1% |
| Other amounts receivable41 | - | - | - | €30,000 | €85,615 | ▲ 185% |
| Cash at bank and in hand54/58 | €27,639 | €30,987 | €26,727 | €28,099 | €7,229 | ▼ 74.3% |
| Deferred charges and accrued income490/1 | - | - | €181 | €486 | €627 | ▲ 29.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.6m | €1.6m | €1.5m | €1.4m | €1.5m | ▲ 1.6% |
| Equity10/15 | €543,522 | €636,275 | €717,257 | €978,062 | €1.0m | ▲ 3.9% |
| Contributions10/11 | - | €210,000 | €210,000 | €210,000 | €210,000 | = |
| Reserves13 | €331,000 | €421,000 | €506,000 | €766,806 | €804,739 | ▲ 4.9% |
| Non-distributable reserves130/1 | - | €21,000 | €21,000 | €21,000 | €21,000 | = |
| Reserves not available under the articles1311 | - | €21,000 | €21,000 | €21,000 | €21,000 | = |
| Distributable reserves133 | - | €400,000 | €485,000 | €745,806 | €783,739 | ▲ 5.1% |
| Profit (loss) carried forward14 | €2,522 | €5,275 | €1,257 | €1,257 | €1,257 | = |
| Amounts payable17/49 | €1.1m | €932,473 | €751,464 | €469,921 | €455,498 | ▼ 3.1% |
| Amounts payable after more than one year17 | €441,918 | €226,152 | €29,804 | €9,080 | €19,168 | ▲ 111% |
| Financial debts170/4 | - | €226,152 | €29,804 | €9,080 | €19,168 | ▲ 111% |
| Amounts payable within one year42/48 | €655,748 | €706,321 | €721,660 | €460,841 | €436,331 | ▼ 5.3% |
| Current portion of amounts payable after more than one year42 | - | €233,529 | €231,941 | €51,814 | €13,825 | ▼ 73.3% |
| Trade debts44 | €12,561 | €19,080 | €29,081 | €11,311 | €14,920 | ▲ 31.9% |
| Suppliers440/4 | - | €19,080 | €29,081 | €11,311 | €14,920 | ▲ 31.9% |
| Taxes, remuneration and social security45 | - | €84,800 | €86,087 | €111,223 | €111,506 | ▲ 0.3% |
| Taxes450/3 | - | €67,540 | €77,511 | €95,569 | €89,674 | ▼ 6.2% |
| Remuneration and social security454/9 | - | €17,259 | €8,576 | €15,654 | €21,831 | ▲ 39.5% |
| Other amounts payable47/48 | - | €368,912 | €374,551 | €286,492 | €296,080 | ▲ 3.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €125,690 | €158,636 | €88,040 | €260,806 | €37,933 | ▼ 85.5% |
| + Depreciation and write-downs630 | €53,950 | €53,950 | €54,111 | €54,205 | €57,295 | ▲ 5.7% |
| Operating cash flow (approximation) | €179,640 | €212,586 | €142,151 | €315,011 | €95,228 | ▼ 69.8% |
| Investment in fixed assets (approximation) | - | €0 | -€1,020 | €0 | -€26,676 | - |
| Change in cash | - | €3,348 | -€4,260 | €1,372 | -€20,871 | ▼ 1,621% |
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
2026
29-06
State Gazette act
Registered officeDirector in office · Registered-office move3 facts ▸
State Gazette act
Registered office
Director in office · Registered-office move3 facts ▸
- General meeting, 24-04-2026
- Director in office, Miguel Deville (director)
- Registered-office move, Rue de la Station 115-5370 Havelange
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 62 days late
2024
31-12
Financial
Equity above €1mEq €1.0m ▲3.9%
7 profitable years in a row build equity to €1.0m.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
31-12
Financial
Highest result since 2018net €260,806 ▲196%
Net result €260,806, the highest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 185 days late
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 146 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
31-12
Financial
Weakest financial yearnet €13,101 ▼85.6%
Net result drops to €13,101, the lowest in the series; recovery starts the following year.
12-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 134 days late
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 288 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 1 of 5 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Havelange · 5 establishment units since 2016
Ground area
9,751 m²
Building footprint
7,211 m²
Volume, LiDAR
3,651 m³
5 parcels, Wallonia · tallest building 19.0 m, ±6 floors. Linked by address, not a title deed.
5 establishment units
DEVILLE ASSURANCES
since 20162.257.726.468
DEVILLE ASSURANCES
since 20162.257.726.567
DEVILLE ASSURANCES
since 20252.375.865.342
DEVILLE ASSURANCES
since 20252.375.865.441
DEVILLE ASSURANCES
since 20252.375.865.540
5 parcels
Wallonia
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92003H0034/00P003 | Wallonia | 7,708 m² | 1 · 6,608 m² | - |
| 64074C0862/00P000 | Wallonia | 786 m² | 1 · 119 m² | 8.5 m · 2 fl. |
| 91030B0364/00Y002 | Wallonia | 521 m² | 1 · 194 m² | - |
| 61322A0312/03W006 | Wallonia | 461 m² | 1 · 167 m² | 19.0 m · 6 fl. |
| 91064E0343/00Y007 | Wallonia | 275 m² | 1 · 123 m² | - |
Linked by address, not proof of ownership
Good to know
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,671 companies in this sector we hold annual accounts for 3,221. 2,160 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
Founded19-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
miguel.deville@lap.beHavelange
Phone
083/63.36.18Havelange
Fax
083/63.61.96Havelange
E-invoicing
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