FINASSUR
ActiveFINASSUR has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162k and a net result of €12k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 83% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+74
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 5.76 against 2.76 in 2024; short-term debt: 14.7% and cash: 0% of total assets), and 14.7% of the assets are financed with debt.
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.3%
Return on assets
6.5%
Age of the figures
9 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
27 d late
2023
61 d late
2022
58 d late
2021
71 d late
2020
52 d late
2019
84 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€162k▲ 8.3%
2024 · €150k
2018: €151k
2019: €154k
2020: €164k
2021: €131k
2022: €144k
2023: €174k
2024: €150k
2018 → 2025
Total assets
€190k▲ 0.3%
2024 · €190k
2018: €270k
2019: €245k
2020: €241k
2021: €195k
2022: €205k
2023: €214k
2024: €190k
2018 → 2025
Net result
€12k
2024 · €-24k
2018: €-25k
2019: €3k
2020: €10k
2021: €-33k
2022: €13k
2023: €30k
2024: €-24k
2018 → 2025
Working capital
€133k▲ 95.5%
2024 · €68k
2018: €97k
2019: €110k
2020: €113k
2021: €76k
2022: €81k
2023: €103k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€144k▲ 10.1%€174k▲ 20.9%€150k▼ 13.8%€162k▲ 8.3%
Operating result€21k-€16k▼ 23.6%€32k▲ 101%€-23k€12k
Net result€-33k-€13k€30k▲ 127%€-24k€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €23k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €190k
Fixed assets
€29k▼ 64.9%
Current assets
€161k▲ 50.9%
Equity and liabilities €190k
Equity
€162k▲ 8.3%
Debt
€28k▼ 29.5%
The debt ratio falls from 21.0% to 14.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €-15k
Cash flow
€16k▲
2024 · €-16k
Solvency
85.3%▲
2024 · 79.0%
Current ratio
5.76▲
2024 · 2.76
Quick ratio
5.76▲
2024 · 2.76
Debt / equity
0.17▼
2024 · 0.27
ROE
7.6%▲
2024 · -16.0%
ROA
6.5%▲
2024 · -12.7%
Interest coverage
191.83▲
2024 · -12.40
Debt
€28k▼
2024 · €40k
Debt ≤ 1 year
€28k▼
2024 · €39k
Income taxes
€0
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€190k€190k▲
Fixed assets21/28€83k€29k▼
Tangible fixed assets22/27€83k€29k▼
Land and buildings22€71k€24k▼
Plant, machinery and equipment23€9k€4k▼
Furniture and vehicles24€2k€931▼
Financial fixed assets28€292€292=
Current assets29/58€107k€161k▲
Amounts receivable within one year40/41€103k€161k▲
Other amounts receivable41€103k€161k▲
Cash at bank and in hand54/58€3k€62▼
Equity and liabilities
Total equity and liabilities10/49€190k€190k▲
Equity10/15€150k€162k▲
Contributions10/11€6k€6k=
Reserves13€124k€124k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€34k€34k=
Distributable reserves133€89k€89k=
Profit (loss) carried forward14€19k€32k▲
Amounts payable17/49€40k€28k▼
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€39k€28k▼
Current portion of amounts payable after more than one year42€21k-
Financial debts43-€124
Credit institutions430/8-€124
Trade debts44€10k€855▼
Suppliers440/4€10k€855▼
Other amounts payable47/48€7k€27k▲
Income statement
Code20242025
Non-recurring operating income76A-€29k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€3k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€-12k€18k▲
Operating profit (loss)9901€-23k€12k▲
Financial income75/76B€5€20▲
Recurring financial income75€5€20▲
Financial charges65/66B€1k€82▼
Recurring financial charges65€1k€82▼
Profit (loss) for the period before taxes9903€-24k€12k▲
Income taxes67/77-€0
Profit (loss) for the period9904€-24k€12k▲
Profit (loss) for the period to be appropriated9905€-24k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€32k▲
Profit (loss) brought forward from the previous period14P€43k€19k▼
The notes to these accounts (9 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 5.76
Current ratio from 2.76 to 5.76; short-term debt falls from €39k to €28k.
31-12
Financial
Equity above €150kEq €162k ▲8.3%
Equity rises from €150k to €162k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €30k ▲127%
Operating result €32k, net result €30k, both a record.
31-12
Financial
Equity above €150kEq €174k ▲20.9%
2 profitable years in a row build equity to €174k.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
10-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 71 days late
2021
31-12
Financial
Weakest financial yearnet €-33k ▼434%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 52 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 120 days late
2018
05-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 127 days late
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 151 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mouscron · 1 establishment unit since 1995
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.
Risquons-Toutsteenweg 247700 MouscronGround area
534 m²
Building footprint
163 m²
Volume, LiDAR
1,353 m³
Parcel 54433E0597/00T003, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FINASSUR
since 19952.071.108.762
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54433E0597/00T003 | Wallonia | 534 m² | 1 · 163 m² | 10.0 m · 3 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.
Similar companies · same sector, comparable size
ddh Management & Consulting
BE 0748.601.359
Keerbergen · Eq €162k
FLOKIMMO
BE 0663.712.008
Schoten · Eq €162k
GUMERA
BE 0747.927.705
Halle · Eq €162k
GRANAAT CONSULTANCY
BE 0567.545.218
Moorslede · Eq €162k
HAROEN INVEST
BE 0566.963.317
Oostende · Eq €162k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-1994
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.