ELEM - ASSUR
ActiveSummary
The computed 12-month bankruptcy probability of ELEM - ASSUR is 1.7% (moderate). The 2025 annual accounts show negative equity (-€5,244) and a net result of -€1,781. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 7 accounts on average 71 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
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Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €1,193 | €1,222 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €5,682 | €3,519 | -€11,889 | €7,340 | €366 | ▼ 95.0% |
| Operating profit (loss)9901 | €4,489 | €2,298 | -€12,274 | €6,953 | -€34 | ▼ 100% |
| Financial income75/76B | - | - | €1 | - | - | - |
| Recurring financial income75 | - | - | €1 | - | - | - |
| Financial charges65/66B | €45 | €45 | €45 | €45 | €45 | = |
| Recurring financial charges65 | €45 | €45 | €45 | €45 | €45 | = |
| Profit (loss) for the period before taxes9903 | €4,444 | €2,253 | -€12,318 | €6,908 | -€79 | ▼ 101% |
| Income taxes67/77 | €2,600 | €3,119 | €98 | €2,990 | €1,702 | ▼ 43.1% |
| Profit (loss) for the period9904 | €1,844 | -€866 | -€12,416 | €3,918 | -€1,781 | ▼ 145% |
| Profit (loss) for the period to be appropriated9905 | €1,844 | -€866 | -€12,416 | €3,918 | -€1,781 | ▼ 145% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €18,974 | €19,214 | €6,867 | €6,711 | €4,954 | ▼ 26.2% |
| Current assets29/58 | €18,974 | €19,214 | €6,867 | €6,711 | €4,954 | ▼ 26.2% |
| Amounts receivable within one year40/41 | €14,629 | €14,504 | €2,020 | €2,175 | €2,081 | ▼ 4.3% |
| Trade receivables40 | €3,515 | €3,390 | €2,020 | €2,175 | €2,081 | ▼ 4.3% |
| Other amounts receivable41 | €11,114 | €11,114 | - | - | - | - |
| Cash at bank and in hand54/58 | €598 | €581 | €2,986 | €2,726 | €803 | ▼ 70.6% |
| Deferred charges and accrued income490/1 | €3,747 | €4,129 | €1,861 | €1,811 | €2,070 | ▲ 14.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €18,974 | €19,214 | €6,867 | €6,711 | €4,954 | ▼ 26.2% |
| Equity10/15 | €5,902 | €5,035 | -€7,380 | -€3,463 | -€5,244 | ▼ 51.4% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €2,313 | €2,313 | €2,313 | €2,313 | €2,313 | = |
| Tax-exempt reserves132 | €2,313 | €2,313 | €2,313 | €2,313 | €2,313 | = |
| Profit (loss) carried forward14 | -€8,812 | -€9,678 | -€22,094 | -€18,176 | -€19,957 | ▼ 9.8% |
| Amounts payable17/49 | €13,072 | €14,178 | €14,248 | €10,174 | €10,198 | ▲ 0.2% |
| Amounts payable within one year42/48 | €13,072 | €14,178 | €14,248 | €10,174 | €10,198 | ▲ 0.2% |
| Trade debts44 | €532 | €7,988 | €6,563 | €827 | €5,248 | ▲ 534% |
| Suppliers440/4 | €532 | €7,988 | €6,563 | €827 | €5,248 | ▲ 534% |
| Taxes, remuneration and social security45 | €12,540 | €6,190 | - | €2,990 | €1,700 | ▼ 43.1% |
| Taxes450/3 | €12,540 | €3,000 | - | €2,990 | €1,700 | ▼ 43.1% |
| Remuneration and social security454/9 | - | €3,190 | - | - | - | - |
| Other amounts payable47/48 | - | - | €7,685 | €6,357 | €3,250 | ▼ 48.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,844 | -€866 | -€12,416 | €3,918 | -€1,781 | ▼ 145% |
| Operating cash flow (approximation) | €1,844 | -€866 | -€12,416 | €3,918 | -€1,781 | ▼ 145% |
| Change in cash | - | -€17 | €2,405 | -€260 | -€1,923 | ▼ 640% |
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
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92014C0660/00V000 | Wallonia | 3,841 m² | 1 · 146 m² | 11.5 m · 2 fl. |
Linked by address, not proof of ownership
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.