FINSURIA
FINSURIA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €100k and a net result of €11k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 27% of 768 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €100k |
| Net result | €11k |
| Better than sector | 27% |
| Active | 14 yrs |
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 14.7% | 38.7% | |
| Net result | €11k | €28k | |
| Equity | €100k | €63k | |
| Gross operating margin | €206k | €67k | |
| Staff costs | €91k | €63k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €11k |
| Cash flow | n/a |
| Staff costs | €91k |
| Income taxes | €5k |
| Dividends | - |
| Total assets | €683k |
| Equity | €100k |
| Debt | €583k |
| of which ≤ 1y | €120k |
| of which > 1y | €463k |
| Working capital | n/a |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 14.7% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 1.6% |
| ROE | 10.9% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €683k |
| Fixed assets | 21/28 | €557k |
| Intangible fixed assets | 21 | €90k |
| Tangible fixed assets | 22/27 | €467k |
| Current assets | 29/58 | €126k |
| Cash & bank | 54/58 | €102k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €683k |
| Equity | 10/15 | €100k |
| Contributions / capital | 10/11 | €100k |
| Accumulated profits (losses) | 14 | €337 |
| Amounts payable | 17/49 | €583k |
| Amounts payable after one year | 17 | €463k |
| Amounts payable within one year | 42/48 | €120k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €206k |
| Operating result | 9901 | €23k |
| Financial income | 75 | €615 |
| Financial charges | 65 | €8k |
| Result before taxes | 9903 | €16k |
| Income taxes | 67/77 | €5k |
| Net result for the period | 9904 | €11k |
| Result to be appropriated | 9905 | €11k |
Former directors (1)
-
SRL FINSURIALegal entityDirector· perm. rep.: SEBASTIEN BOHNICSEKState Gazette act 24182065 (31-12-2024)Former- → 12-12-2024
| NACE primary | Agenten en makelaars in bankdiensten(66191) |
| Legal form | Private limited company(610) |
| Incorporation | 20-09-2011 |
| Status | Active |
| Postal code | 1140 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0243/00L000 | Brussels | 142 m² | 1 · 140 m² | 18.8 m · 5 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
31-03-2025 Registered office moved from Schaerbeek to Evere
- Rue Richard Vandevelde 65 : 1030 Schaerbeek → 1140 Evere, Avenue du Pentathlon 3
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "1140 Evere, Avenue du Pentathlon 3",
"city": "Evere",
"region": "brussels_hoofdstedelijk_gewest",
"street": "Avenue du Pentathlon",
"country": "BE",
"postcode": "1140",
"box_number": null,
"street_number": "3",
"locality_suffix": null
},
"old_address": {
"raw": "Rue Richard Vandevelde 65 : 1030 Schaerbeek",
"city": "Schaerbeek",
"region": "brussels_hoofdstedelijk_gewest",
"street": "Richard Vandevelde",
"country": "BE",
"postcode": "1030",
"box_number": null,
"street_number": "65",
"locality_suffix": null
},
"effective_date": "2025-01-02",
"evidence_quote": "",
"region_changed": false,
"is_statute_change": true,
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"old_address_source": "header_volledig_adres",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "absolute",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": false
}
],
"notary": {
"name": "Paul MASELIS",
"firm_city": null,
"firm_name": "MASELIS \u0026 DEVRIESE, Notaires Associ\u00E9s",
"office_city": "Schaerbeek",
"is_associated": true
},
"act_meta": {
"language": "mixed",
"pub_date": "2025-03-31",
"filing_date": "2025-03-27",
"act_kind_objet": "MODIFICATION FORME JURIDIQUE, SIEGE SOCIAL"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2025-03-26",
"unanimous": true
},
"subject_company": {
"kbo": "0839.669.414",
"name_full": "FINSURIA",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Paul MASELIS",
"org_rep_person_name": null,
"person_role_at_subject": "Notaire"
},
"co_filed_documents": [
"l\u0027exp\u00E9dition du proc\u00E8sverbal",
"les statuts coordonn\u00E9s"
]
}31-12-2024 SEBASTIEN BOHNICSEK resigns as director
- SEBASTIEN BOHNICSEK, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "administrateur",
"person": {
"rrn": "0725.911.970",
"name": "SEBASTIEN BOHNICSEK",
"address": "rue du Moulin 40 \u00E0 1428 Braine-l\u0027Alleud",
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": "de_plein_droit_dissolution",
"subkind": null,
"via_org": {
"kbo": "0839.669.414",
"name": "SRL FINSURIA",
"address": "Rue Richard Vandervelde 65 \u00E0 1030 Schaerbeek",
"country": "BE",
"legal_form": "SRL"
},
"statutory": null,
"compensated": null,
"effective_date": "2024-12-12",
"evidence_quote": "",
"decharge_status": null,
"mandate_duration": null,
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "immediate"
},
{
"kind": "substantive_delegation",
"role": "g\u00E9rante",
"person": {
"rrn": null,
"name": "Nathalie Calomme",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": null,
"subkind": null,
"via_org": {
"kbo": null,
"name": "NATKA CONSULTING Scomm",
"address": "rue Engeland 575 Bte 2 \u00E0 1180 Bruxelles",
"country": "BE",
"legal_form": null
},
"statutory": null,
"compensated": null,
"effective_date": null,
"evidence_quote": "",
"decharge_status": null,
"mandate_duration": null,
"rep_rotation_new_rep": null,
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"effective_date_qualifier": null
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "mixed",
"pub_date": "2024-12-31",
"filing_date": "2024-12-19",
"act_kind_objet": "D\u00E9mission"
},
"decisions": [
{
"body": "enig_aandeelhouder_schriftelijk",
"date": "2024-12-12",
"unanimous": null
}
],
"is_correction": false,
"subject_company": {
"kbo": "0839.669.414",
"name_full": "FINSURIA",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Nathalie Calomme",
"org_rep_person_name": null,
"person_role_at_subject": "Mandataire"
},
"co_filed_documents": [
"Copie conforme \u00E0 l\u0027original de la lettre de d\u00E9mission du 12/12/2024"
],
"corrected_publication_numac": null
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | FINSURIA |