Summary
DWFASSUR 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 €276,112 and a net result of €20,743. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 2515 sector peers (fiscal year 2025). The company has been active since 2009 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 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
112 d late
2023
91 d late
2022
92 d late
2021
30 d late
2020
31 d late
2019
61 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 64 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 (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 31 October (4 of the last 5 filed years within 62 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€276,112▲ 8.1%
2024 · €255,369
Net result
€20,743▲ 253%
2024 · €5,878
Total assets
€289,143▲ 7.7%
2024 · €268,415
Solvency
95.5%▲ 0.4pp
2024 · 95.1%
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
Line20212022202320242025
Operating result€58,591▼ 43.5%€1,895▼ 96.8%-€2,039€11,217€31,487▲ 181%
Net result€40,891within the sector's middle half▼ 49.0%-€447below the sector's middle half-€4,048below the sector's middle half▼ 806%€5,878within the sector's middle half€20,743within the sector's middle half▲ 253%
Equity€253,985within the sector's middle half▲ 15.2%€253,538within the sector's middle half▼ 0.2%€249,491within the sector's middle half▼ 1.6%€255,369within the sector's middle half▲ 2.4%€276,112within the sector's middle half▲ 8.1%
Total assets€294,516within the sector's middle half▼ 9.7%€266,803within the sector's middle half▼ 9.4%€262,571within the sector's middle half▼ 1.6%€268,415within the sector's middle half▲ 2.2%€289,143within the sector's middle half▲ 7.7%
Debt€40,531▼ 61.7%€13,265▼ 67.3%€13,080▼ 1.4%€13,046▼ 0.3%€13,030▼ 0.1%
Working capital€101,095within the sector's middle half▲ 89.0%€132,500within the sector's middle half▲ 31.1%€158,019within the sector's middle half▲ 19.3%€190,033above the sector's middle half▲ 20.3%€242,595above the sector's middle half▲ 27.7%
Solvency86.2%above the sector's middle half▲ 18.7pp95.0%above the sector's middle half▲ 8.8pp95.0%above the sector's middle half=95.1%above the sector's middle half▲ 0.1pp95.5%above the sector's middle half▲ 0.4pp
Current ratio3.49within the sector's middle half▲ 1.8810.99above the sector's middle half▲ 7.4913.08above the sector's middle half▲ 2.0915.57above the sector's middle half▲ 2.4919.62above the sector's middle half▲ 4.05
Return on assets (ROA)13.9%within the sector's middle half▼ 10.7pp-0.2%below the sector's middle half▼ 14.1pp-1.5%below the sector's middle half▼ 1.4pp2.2%within the sector's middle half▲ 3.7pp7.2%within the sector's middle half▲ 5.0pp
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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 181% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €289,143
Fixed assets
€33,517 ▼ 48.7%
Current assets
€255,626 ▲ 25.9%
Equity and liabilities €289,143
Equity
€276,112 ▲ 8.1%
Debt
€13,030 ▼ 0.1%
Debt's share of the balance-sheet total falls from 4.9% to 4.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.5%▲
2024 · 2.3%
Debt ≤ 1 year
€13,030▼
2024 · €13,046
Income taxes
€9,995▲
2024 · €4,555
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 | - | - | - | €62 | - | - |
| Remuneration, social security and pensions62 | - | €9,107 | €18,210 | €19,309 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,151 | €31,851 | €31,566 | €31,842 | €32,797 | ▲ 3.0% |
| Other operating charges640/8 | €542 | €719 | €895 | €838 | €894 | ▲ 6.7% |
| Gross operating margin9900 | €94,283 | €43,572 | €48,631 | €63,206 | €65,179 | ▲ 3.1% |
| Operating profit (loss)9901 | €58,591 | €1,895 | -€2,039 | €11,217 | €31,487 | ▲ 181% |
| Financial income75/76B | - | - | - | €0 | - | - |
| Recurring financial income75 | - | - | - | €0 | - | - |
| Financial charges65/66B | €911 | €735 | €745 | €784 | €749 | ▼ 4.4% |
| Recurring financial charges65 | €911 | €735 | €745 | €784 | €749 | ▼ 4.4% |
| Profit (loss) for the period before taxes9903 | €57,680 | €1,160 | -€2,785 | €10,433 | €30,738 | ▲ 195% |
| Income taxes67/77 | €16,789 | €1,607 | €1,263 | €4,555 | €9,995 | ▲ 119% |
| Profit (loss) for the period9904 | €40,891 | -€447 | -€4,048 | €5,878 | €20,743 | ▲ 253% |
| Profit (loss) for the period to be appropriated9905 | €40,891 | -€447 | -€4,048 | €5,878 | €20,743 | ▲ 253% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €294,516 | €266,803 | €262,571 | €268,415 | €289,143 | ▲ 7.7% |
| Fixed assets21/28 | €152,890 | €121,039 | €91,472 | €65,336 | €33,517 | ▼ 48.7% |
| Intangible fixed assets21 | €150,000 | €120,000 | €90,000 | €60,000 | €30,000 | ▼ 50.0% |
| Tangible fixed assets22/27 | €2,890 | €1,039 | €1,472 | €5,336 | €3,517 | ▼ 34.1% |
| Plant, machinery and equipment23 | €2,890 | €1,039 | €1,472 | €763 | €97 | ▼ 87.3% |
| Furniture and vehicles24 | - | - | - | €4,573 | €3,420 | ▼ 25.2% |
| Current assets29/58 | €141,626 | €145,764 | €171,099 | €203,080 | €255,626 | ▲ 25.9% |
| Amounts receivable within one year40/41 | €19,060 | €43,214 | €64,381 | €139,122 | €146,169 | ▲ 5.1% |
| Trade receivables40 | €1,480 | €2,584 | €7,711 | €10,169 | €18,718 | ▲ 84.1% |
| Other amounts receivable41 | €17,580 | €40,630 | €56,670 | €128,953 | €127,451 | ▼ 1.2% |
| Cash at bank and in hand54/58 | €99,351 | €84,241 | €85,986 | €44,868 | €90,323 | ▲ 101% |
| Deferred charges and accrued income490/1 | €23,215 | €18,309 | €20,732 | €19,090 | €19,135 | ▲ 0.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €294,516 | €266,803 | €262,571 | €268,415 | €289,143 | ▲ 7.7% |
| Equity10/15 | €253,985 | €253,538 | €249,491 | €255,369 | €276,112 | ▲ 8.1% |
| Contributions10/11 | €6,700 | €6,700 | €6,700 | €6,700 | €6,700 | = |
| Reserves13 | €152,184 | €152,184 | €152,184 | €152,184 | €152,184 | = |
| Non-distributable reserves130/1 | €1,855 | €1,855 | - | - | - | - |
| Reserves not available under the articles1311 | €1,855 | €1,855 | - | - | - | - |
| Distributable reserves133 | €150,329 | €150,329 | €152,184 | €152,184 | €152,184 | = |
| Profit (loss) carried forward14 | €95,101 | €94,654 | €90,607 | €96,485 | €117,228 | ▲ 21.5% |
| Amounts payable17/49 | €40,531 | €13,265 | €13,080 | €13,046 | €13,030 | ▼ 0.1% |
| Amounts payable within one year42/48 | €40,531 | €13,265 | €13,080 | €13,046 | €13,030 | ▼ 0.1% |
| Current portion of amounts payable after more than one year42 | €31,831 | €12,885 | €12,890 | €12,890 | €12,888 | = |
| Trade debts44 | €237 | €380 | €191 | €157 | €142 | ▼ 9.2% |
| Suppliers440/4 | €237 | €380 | €191 | €157 | €142 | ▼ 9.2% |
| Taxes, remuneration and social security45 | €5,230 | - | - | - | - | - |
| Taxes450/3 | €1,789 | - | - | - | - | - |
| Remuneration and social security454/9 | €3,441 | - | - | - | - | - |
| Other amounts payable47/48 | €3,233 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40,891 | -€447 | -€4,048 | €5,878 | €20,743 | ▲ 253% |
| + Depreciation and write-downs630 | €35,151 | €31,851 | €31,566 | €31,842 | €32,797 | ▲ 3.0% |
| Operating cash flow (approximation) | €76,042 | €31,405 | €27,518 | €37,720 | €53,540 | ▲ 41.9% |
| Investment in fixed assets (approximation) | - | €0 | -€1,999 | -€5,705 | -€978 | ▲ 82.9% |
| Change in cash | - | -€15,110 | €1,745 | -€41,118 | €45,455 | ▲ 211% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 112 days late
2024
31-12
Financial
Back to profitnet €5,878
Net result €5,878 after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-12
Financial
Weakest financial yearnet -€4,048
Net result drops to -€4,048, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 10.99
Current ratio from 3.49 to 10.99; short-term debt falls from €40,531 to €13,265.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 3.49
Current ratio from 1.62 to 3.49; short-term debt falls from €86,865 to €40,531.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €80,166 ▲55.5%
Operating result €103,770, net result €80,166, both a record.
31-12
Financial
Equity above €200,000Eq €220,382 ▲57.2%
3 profitable years in a row build equity to €220,382.
Show earlier events
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Equity above €100,000Eq €140,216 ▲58.2%
2 profitable years in a row build equity to €140,216.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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
No directors read yet: 0 of 5 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Brakel · 1 establishment unit since 2009
Ground area
2,907 m²
Building footprint
474 m²
Volume, LiDAR
2,853 m³
2 parcels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DWFASSUR
since 20092.177.523.306
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45012A1002/00E000 | Flanders | 2,694 m² | 1 · 261 m² | 7.5 m · 2 fl. |
| 41018B0157/00K000 | Flanders | 213 m² | 1 · 213 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 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. 2,756 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
Founded01-04-2009
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0810861206
Also
9925:BE0810861206
Registered
22-07-2025
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.