Summary
DIFFERDING 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 equity of €245,914 and a net result of €86,413. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 94% of 2464 sector peers (fiscal year 2025). The company has been active since 1991 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
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €245,914
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
21 d early
2023
48 d early
2022
34 d early
2021
47 d late
2020
115 d late
2019
88 d late
← 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 17 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 2 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€245,914▲ 54.2%
2024 · €159,501
Net result
€86,413▲ 15.1%
2024 · €75,107
Total assets
€259,016▲ 47.8%
2024 · €175,220
Solvency
94.9%▲ 3.9pp
2024 · 91.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€9,597▲ 39.8%€11,760▲ 22.5%€69,926▲ 495%€101,293▲ 44.9%€113,572▲ 12.1%
Net result€3,542below the sector's middle half▲ 45.2%€6,697within the sector's middle half▲ 89.1%€50,864within the sector's middle half▲ 659%€75,107within the sector's middle half▲ 47.7%€86,413above the sector's middle half▲ 15.1%
Equity€33,414below the sector's middle half▲ 11.9%€33,530below the sector's middle half▲ 0.3%€84,394within the sector's middle half▲ 152%€159,501within the sector's middle half▲ 89.0%€245,914within the sector's middle half▲ 54.2%
Total assets€65,364below the sector's middle half▼ 2.4%€65,057below the sector's middle half▼ 0.5%€104,063below the sector's middle half▲ 60.0%€175,220within the sector's middle half▲ 68.4%€259,016within the sector's middle half▲ 47.8%
Debt€31,950▼ 13.9%€31,527▼ 1.3%€19,669▼ 37.6%€15,720▼ 20.1%€13,103▼ 16.7%
Working capital€7,062within the sector's middle half€11,414within the sector's middle half▲ 61.6%€81,203within the sector's middle half▲ 611%€156,365within the sector's middle half▲ 92.6%€164,902within the sector's middle half▲ 5.5%
Solvency51.1%within the sector's middle half▲ 6.5pp51.5%within the sector's middle half▲ 0.4pp81.1%above the sector's middle half▲ 29.6pp91.0%above the sector's middle half▲ 9.9pp94.9%above the sector's middle half▲ 3.9pp
Current ratio1.32within the sector's middle half▲ 0.351.42within the sector's middle half▲ 0.105.13above the sector's middle half▲ 3.7110.95above the sector's middle half▲ 5.8213.59above the sector's middle half▲ 2.64
Return on assets (ROA)5.4%within the sector's middle half▲ 1.8pp10.3%within the sector's middle half▲ 4.9pp48.9%above the sector's middle half▲ 38.6pp42.9%above the sector's middle half▼ 6.0pp33.4%above the sector's middle half▼ 9.5pp
Staff (FTE)1▲ 25.0%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 has risen four years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €259,016
Fixed assets
€81,012 ▲ 2,484%
Current assets
€178,004 ▲ 3.4%
Equity and liabilities €259,016
Equity
€245,914 ▲ 54.2%
Debt
€13,103 ▼ 16.7%
Debt's share of the balance-sheet total falls from 9.0% to 5.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
35.1%▼
2024 · 47.1%
Debt ≤ 1 year
€13,103▼
2024 · €15,720
Income taxes
€26,893▲
2024 · €25,880
Staff costs
€47,502▲
2024 · €46,206
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €250 | - | - | - | - |
| Remuneration, social security and pensions62 | €39,456 | €41,817 | €46,013 | €46,206 | €47,502 | ▲ 2.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,474 | €9,474 | €276 | €949 | €5,420 | ▲ 471% |
| Other operating charges640/8 | €1,888 | €1,794 | €4,639 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €60,415 | €64,845 | €120,853 | €148,834 | €166,894 | ▲ 12.1% |
| Operating profit (loss)9901 | €9,597 | €11,760 | €69,926 | €101,293 | €113,572 | ▲ 12.1% |
| Financial income75/76B | €0 | €20 | - | - | €0 | - |
| Recurring financial income75 | €0 | €20 | - | - | €0 | - |
| Financial charges65/66B | €1,125 | €1,155 | €944 | €306 | €266 | ▼ 13.1% |
| Recurring financial charges65 | €1,125 | €1,155 | €944 | €306 | €266 | ▼ 13.1% |
| Profit (loss) for the period before taxes9903 | €8,472 | €10,626 | €68,982 | €100,987 | €113,307 | ▲ 12.2% |
| Income taxes67/77 | €4,931 | €3,929 | €18,118 | €25,880 | €26,893 | ▲ 3.9% |
| Profit (loss) for the period9904 | €3,542 | €6,697 | €50,864 | €75,107 | €86,413 | ▲ 15.1% |
| Profit (loss) for the period to be appropriated9905 | €3,542 | €6,697 | €50,864 | €75,107 | €86,413 | ▲ 15.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €65,364 | €65,057 | €104,063 | €175,220 | €259,016 | ▲ 47.8% |
| Fixed assets21/28 | €36,035 | €26,561 | €3,191 | €3,135 | €81,012 | ▲ 2,484% |
| Tangible fixed assets22/27 | €35,928 | €26,454 | €3,084 | €3,029 | €80,906 | ▲ 2,571% |
| Plant, machinery and equipment23 | - | - | - | - | €62,529 | - |
| Furniture and vehicles24 | €35,928 | €26,454 | €3,084 | €3,029 | €18,377 | ▲ 507% |
| Financial fixed assets28 | €107 | €107 | €107 | €107 | €107 | = |
| Current assets29/58 | €29,330 | €38,497 | €100,872 | €172,085 | €178,004 | ▲ 3.4% |
| Amounts receivable within one year40/41 | €6,104 | €20,105 | €8,882 | - | €17,107 | - |
| Trade receivables40 | €2,718 | €8,485 | - | - | - | - |
| Other amounts receivable41 | €3,386 | €11,620 | €8,882 | - | €17,107 | - |
| Current investments50/53 | €4,665 | €4,666 | - | - | - | - |
| Cash at bank and in hand54/58 | €15,839 | €11,279 | €80,118 | €153,363 | €144,994 | ▼ 5.5% |
| Deferred charges and accrued income490/1 | €2,722 | €2,447 | €11,872 | €18,722 | €15,903 | ▼ 15.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €65,364 | €65,057 | €104,063 | €175,220 | €259,016 | ▲ 47.8% |
| Equity10/15 | €33,414 | €33,530 | €84,394 | €159,501 | €245,914 | ▲ 54.2% |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €27,217 | €27,217 | €27,217 | €27,217 | €27,217 | = |
| Distributable reserves133 | €27,217 | €27,217 | €27,217 | €27,217 | €27,217 | = |
| Profit (loss) carried forward14 | - | €116 | €50,980 | €126,087 | €212,500 | ▲ 68.5% |
| Amounts payable17/49 | €31,950 | €31,527 | €19,669 | €15,720 | €13,103 | ▼ 16.7% |
| Amounts payable after more than one year17 | €9,683 | €4,444 | - | - | - | - |
| Financial debts170/4 | €9,683 | €4,444 | - | - | - | - |
| Amounts payable within one year42/48 | €22,268 | €27,083 | €19,669 | €15,720 | €13,103 | ▼ 16.7% |
| Current portion of amounts payable after more than one year42 | €5,137 | €5,238 | €4,444 | - | - | - |
| Financial debts43 | €635 | €713 | - | - | - | - |
| Credit institutions430/8 | €635 | €713 | - | - | - | - |
| Trade debts44 | €259 | €278 | €1,138 | €259 | €264 | ▲ 1.9% |
| Suppliers440/4 | €259 | €278 | €1,138 | €259 | €264 | ▲ 1.9% |
| Taxes, remuneration and social security45 | €12,189 | €14,272 | €12,037 | €13,411 | €12,839 | ▼ 4.3% |
| Taxes450/3 | €3,620 | €2,091 | €1,244 | €2,177 | €1,310 | ▼ 39.9% |
| Remuneration and social security454/9 | €8,569 | €12,181 | €10,793 | €11,233 | €11,529 | ▲ 2.6% |
| Other amounts payable47/48 | €4,048 | €6,581 | €2,050 | €2,050 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,542 | €6,697 | €50,864 | €75,107 | €86,413 | ▲ 15.1% |
| + Depreciation and write-downs630 | €9,474 | €9,474 | €276 | €949 | €5,420 | ▲ 471% |
| Operating cash flow (approximation) | €13,015 | €16,171 | €51,139 | €76,055 | €91,833 | ▲ 20.7% |
| Investment in fixed assets (approximation) | - | €0 | €23,094 | -€893 | -€83,297 | ▼ 9,228% |
| Change in cash | - | -€4,560 | €68,839 | €73,245 | -€8,368 | ▼ 111% |
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €86,413 ▲15.1%
Operating result €113,572, net result €86,413, both a record.
31-12
Financial
Equity above €200,000Eq €245,914 ▲54.2%
8 profitable years in a row build equity to €245,914.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 10.95
Current ratio from 5.13 to 10.95; short-term debt falls from €19,669 to €15,720.
31-12
Financial
Equity above €150,000Eq €159,501 ▲89%
7 profitable years in a row build equity to €159,501.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 5.13
Current ratio from 1.42 to 5.13; short-term debt falls from €27,083 to €19,669.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 47 days late
2021
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 115 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
Show earlier events
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Martelange · 1 establishment unit since 1991
Ground area
66 m²
Building footprint
68 m²
Volume, LiDAR
386 m³
Parcel 81013C0527/00M000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Grand-Rue 5, 6630 Martelange
since 19912.054.363.691
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81013C0527/00M000 | Wallonia | 66 m² | 1 · 68 m² | 7.2 m · 2 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.
Structure & network
Owners and holdings
1 ownerChain of control
- ASSURANCES A. PLAINCHAMP
- DIFFERDING ASSURANCES
Highest known parent: ASSURANCES A. PLAINCHAMP. The sources do not say who stands above it.
Owners 1
-
100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
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EQUIFIDES
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EWBANK ASSURANCES
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BUREAU FRANCOISE BRONCHAIN
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,785 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-07-1991
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.