FINANCE ASSUR has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2013 annual accounts show equity of €28k and a net result of €4k. Equity is growing by ~16.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2013 are too old to assess current financial health.
Filing: Five or more filing cycles are missing. This points to a standstill, not an imminent failure.
Axes, FY 2013 · tick = 2012
Profitability41▲+1
Solvency36=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2013Solvency, return and age of the figures
Solvency
11%
Return on assets
1.4%
Age of the figures
153 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · No filing for years
The last filed financial year closed on 31-12-2013. Since then, 12 financial years are missing. This points to a standstill, not an imminent failure.
NBB · 10 filingsPosition against the passed deadline
31-12-2014 close31-07-2015 deadline18-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2013 was due by 31-07-2014 and was filed on 21-07-2014, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
not filed
2019
not filed
← before the deadline
after the deadline →
Financials · fiscal year 2013, abbreviated schema
Equity
€28k▲ 14.9%
2012 · €25k
2009: €14k
2010: €16k
2011: €22k
2012: €25k
2009 → 2013
Total assets
€256k▲ 15.7%
2012 · €221k
2009: €231k
2010: €238k
2011: €232k
2012: €221k
2009 → 2013
Net result
€4k▲ 38.2%
2012 · €3k
2009: €934
2010: €1k
2011: €6k
2012: €3k
2009 → 2013
Working capital
€-50k▼ 11.2%
2012 · €-45k
2009: €-43k
2010: €-46k
2011: €-43k
2012: €-45k
2009 → 2013
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20092010201120122013Trend
Equity€14k-€16k▲ 10.4%€22k▲ 40.7%€25k▲ 12.1%€28k▲ 14.9%
Operating result€9k-€9k▼ 7.0%€16k▲ 79.1%€9k▼ 44.4%€11k▲ 32.5%
Net result€934-€1k▲ 57.4%€6k▲ 330%€3k▼ 58.2%€4k▲ 38.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2013; 2013 is 32% above 2012.
Balance-sheet composition
2013 in colour, 2012 as the grey bar beneath
Assets €256k
Fixed assets
€151k▼ 4.0%
Current assets
€105k▲ 64.4%
Equity and liabilities €256k
Equity
€28k▲ 14.9%
Debt
€228k▲ 15.8%
The debt ratio rises from 88.9% to 89.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▼
2012 · €19k
Cash flow
€11k▼
2012 · €13k
Solvency
11.0%▼
2012 · 11.1%
Current ratio
0.68▲
2012 · 0.58
Quick ratio
0.68▲
2012 · 0.58
Debt / equity
2.58▼
2012 · 3.58
ROE
13.0%▲
2012 · 10.8%
ROA
1.4%▲
2012 · 1.2%
Debt
€228k▲
2012 · €197k
Debt ≤ 1 year
€155k▲
2012 · €109k
Debt > 1 year
€73k▼
2012 · €88k
Income taxes
€4k▲
2012 · €2k
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 · 2013 against 2012
Balance sheet
Code20122013
Assets
Total assets20/58€221k€256k▲
Fixed assets21/28€158k€151k▼
Tangible fixed assets22/27€158k€151k▼
Financial fixed assets28-€650
Current assets29/58€64k€105k▲
Amounts receivable within one year40/41€56k€82k▲
Cash at bank and in hand54/58€7k€22k▲
Equity and liabilities
Total equity and liabilities10/49€221k€256k▲
Equity10/15€25k€28k▲
Contributions10/11€2k€2k=
Reserves13€248€248=
Profit (loss) carried forward14€22k€25k▲
Amounts payable17/49€197k€228k▲
Amounts payable after more than one year17€88k€73k▼
Amounts payable within one year42/48€109k€155k▲
Trade debts44€662€5▼
Income statement
Code20122013
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€7k▼
Gross operating margin9900€21k€26k▲
Operating profit (loss)9901€9k€11k▲
Recurring financial income75€83€13▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€5k€8k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€3k€4k▲
Profit (loss) for the period to be appropriated9905€3k€4k▲
Timeline · acts, filings and financial milestones
2014
21-07
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema
2013
27-07
NBB filing
Annual accounts filed
fiscal year 2012 · abbreviated schema
2012
18-08
NBB filing
Annual accounts filed
fiscal year 2011 · abbreviated schema · 18 days late
2011
31-12
Financial
Highest result since 2009net €6k ▲330%
Operating result €16k, net result €6k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2010 · abbreviated schema
2010
05-07
NBB filing
Annual accounts filed
fiscal year 2009 · abbreviated schema
2009
19-07
NBB filing
Annual accounts filed
fiscal year 2008 · abbreviated schema
2008
12-07
NBB filing
Annual accounts filed
fiscal year 2007 · abbreviated schema
2007
23-07
NBB filing
Annual accounts filed
fiscal year 2006 · abbreviated schema
2006
12-07
NBB filing
Annual accounts filed
fiscal year 2005 · abbreviated schema
2005
12-07
NBB filing
Annual accounts filed
fiscal year 2004 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 1989
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.
Guldensporenlaan 13010 LeuvenGround area
134 m²
Building footprint
134 m²
Volume, LiDAR
896 m³
Parcel 24483E0092/00D004, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Guldensporenlaan 1, 3010 Leuven
since 19892.045.699.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0092/00D004 | Flanders | 134 m² | 1 · 134 m² | 9.6 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 2,265 companies in sector 69209 we hold annual accounts for 1,097. 660 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap (oud statuut)
Founded12-11-1989
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.