Emile JACQUES 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 €201k and a net result of €112k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 51% of 489 sector peers (fiscal year 2025). The company has been active since 2012 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
29 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€201k▼ 15.7%
2024 · €238k
2018: €166k
2019: €139k
2020: €90k
2021: €68k
2022: €46k
2023: €102k
2024: €238k
2018 → 2025
Net result
€112k▼ 17.5%
2024 · €136k
2018: €31k
2019: €33k
2020: €21k
2021: €63k
2022: €33k
2023: €83k
2024: €136k
2018 → 2025
Total assets
€466k▲ 21.8%
2024 · €383k
2018: €312k
2019: €259k
2020: €270k
2021: €285k
2022: €300k
2023: €266k
2024: €383k
2018 → 2025
Solvency
43.1%▼ 19.2pp
2024 · 62.3%
2018: 53.1%
2019: 53.5%
2020: 33.2%
2021: 23.8%
2022: 15.4%
2023: 38.3%
2024: 62.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€46k▼ 31.7%€102k▲ 121%€238k▲ 133%€201k▼ 15.7%
Operating result€97k-€58k▼ 40.0%€118k▲ 102%€204k▲ 72.7%€182k▼ 10.5%
Net result€63k-€33k▼ 46.8%€83k▲ 146%€136k▲ 65.2%€112k▼ 17.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€110k▲ 23.6%
Current assets
€356k▲ 21.2%
Equity and liabilities €466k
Equity
€201k▼ 15.7%
Debt
€265k▲ 83.8%
The debt ratio rises from 37.7% to 56.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
43.1%▼
2024 · 62.3%
ROE
56.0%▼
2024 · 57.2%
ROA
24.1%▼
2024 · 35.6%
Debt
€265k▲
2024 · €144k
Debt ≤ 1 year
€245k▲
2024 · €100k
Debt > 1 year
€18k▼
2024 · €34k
Income taxes
€51k▼
2024 · €58k
Staff costs
€325k▼
2024 · €369k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€383k€466k▲
Fixed assets21/28€89k€110k▲
Intangible fixed assets21€0€1k▲
Tangible fixed assets22/27€87k€107k▲
Plant, machinery and equipment23€9k€10k▲
Furniture and vehicles24€78k€74k▼
Other tangible fixed assets26-€23k
Financial fixed assets28€2k€2k=
Current assets29/58€294k€356k▲
Amounts receivable within one year40/41€131k€163k▲
Trade receivables40€109k€102k▼
Other amounts receivable41€21k€61k▲
Cash at bank and in hand54/58€80k€75k▼
Deferred charges and accrued income490/1€84k€118k▲
Equity and liabilities
Total equity and liabilities10/49€383k€466k▲
Equity10/15€238k€201k▼
Contributions10/11€39k€39k=
Reserves13€4k€4k=
Tax-exempt reserves132€529€529=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€196k€158k▼
Amounts payable17/49€144k€265k▲
Amounts payable after more than one year17€34k€18k▼
Financial debts170/4€34k€18k▼
Amounts payable within one year42/48€100k€245k▲
Current portion of amounts payable after more than one year42€15k€22k▲
Trade debts44€24k€29k▲
Suppliers440/4€24k€29k▲
Taxes, remuneration and social security45€61k€44k▼
Taxes450/3€18k€3k▼
Remuneration and social security454/9€43k€40k▼
Other amounts payable47/48€0€150k▲
Accrued charges and deferred income492/3€10k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€369k€325k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€36k▲
Other operating charges640/8€11k€21k▲
Gross operating margin9900€602k€563k▼
Operating profit (loss)9901€204k€182k▼
Financial income75/76B€517€2k▲
Recurring financial income75€517€2k▲
Financial charges65/66B€10k€22k▲
Recurring financial charges65€10k€22k▲
Profit (loss) for the period before taxes9903€194k€163k▼
Income taxes67/77€58k€51k▼
Profit (loss) for the period9904€136k€112k▼
Profit (loss) for the period to be appropriated9905€136k€112k▼
Appropriation of the result
Profit (loss) to be appropriated9906€196k€308k▲
Profit (loss) brought forward from the previous period14P€59k€196k▲
Profit to be distributed694/7-€150k
Return on contributions (dividend)694-€150k
Social balance
Average headcount (FTE)90875.44.6▼
The notes to these accounts (12 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €136k ▲65.2%
Operating result €204k, net result €136k, both a record.
31-12
Financial
Equity above €200kEq €238k ▲133%
7 profitable years in a row build equity to €238k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €102k ▲121%
6 profitable years in a row build equity to €102k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €21k ▼37%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Nandrin · 1 establishment unit since 2012
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.
Rue de Dinant 194550 NandrinGround area
1,383 m²
Building footprint
124 m²
Volume, LiDAR
809 m³
Parcel 61078E0255/00P007, Wallonia · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Emile JACQUES Assurances
since 20122.208.274.779
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61078E0255/00P007 | Wallonia | 1,382 m² | 1 · 124 m² | 10.5 m · 2 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. 2,823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2012
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
64922Financial service activities, except insurance and pension funding
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.