FRANCOIS DROULEZ 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 €56k and a net result of €43k. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 1471 sector peers (fiscal year 2025). The company has been active since 2003 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
29 d late
2023
30 d late
2022
11 d late
2021
26 d late
2020
12 d late
2019
18 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, abbreviated schema
Equity
€56k▼ 10.7%
2024 · €63k
2018: €12k
2019: €17k
2020: €27k
2021: €85k
2022: €80k
2023: €62k
2024: €63k
2018 → 2025
Net result
€43k▲ 22.1%
2024 · €35k
2018: €24k
2019: €115k
2020: €70k
2021: €59k
2022: €24k
2023: €32k
2024: €35k
2018 → 2025
Total assets
€86k▼ 2.8%
2024 · €88k
2018: €29k
2019: €182k
2020: €115k
2021: €108k
2022: €101k
2023: €87k
2024: €88k
2018 → 2025
Solvency
65.2%▼ 5.8pp
2024 · 70.9%
2018: 43.2%
2019: 9.4%
2020: 23.0%
2021: 79.4%
2022: 78.8%
2023: 70.9%
2024: 70.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€80k▼ 6.7%€62k▼ 22.2%€63k▲ 0.8%€56k▼ 10.7%
Operating result€81k-€38k▼ 53.3%€48k▲ 25.6%€50k▲ 5.7%€64k▲ 27.7%
Net result€59k-€24k▼ 58.8%€32k▲ 33.0%€35k▲ 9.9%€43k▲ 22.1%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€22k▲ 364%
Current assets
€64k▼ 23.6%
Equity and liabilities €86k
Equity
€56k▼ 10.7%
Debt
€30k▲ 16.5%
The debt ratio rises from 29.1% to 34.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
65.2%▼
2024 · 70.9%
ROE
77.6%▲
2024 · 56.7%
ROA
50.5%▲
2024 · 40.2%
Debt
€30k▲
2024 · €26k
Debt ≤ 1 year
€29k▲
2024 · €26k
Income taxes
€21k▲
2024 · €15k
Staff costs
€198k▲
2024 · €183k
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€88k€86k▼
Fixed assets21/28€5k€22k▲
Tangible fixed assets22/27€5k€22k▲
Plant, machinery and equipment23€712-
Furniture and vehicles24€4k€22k▲
Current assets29/58€83k€64k▼
Amounts receivable within one year40/41€43k€41k▼
Trade receivables40€22k€26k▲
Other amounts receivable41€21k€15k▼
Cash at bank and in hand54/58€39k€18k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€88k€86k▼
Equity10/15€63k€56k▼
Contributions10/11€12k€12k=
Profit (loss) carried forward14€50k€43k▼
Amounts payable17/49€26k€30k▲
Amounts payable within one year42/48€26k€29k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€21k€22k▲
Remuneration and social security454/9€21k€22k▲
Other amounts payable47/48€1k€6k▲
Accrued charges and deferred income492/3-€496
Income statement
Code20242025
Remuneration, social security and pensions62€183k€198k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Other operating charges640/8€759€1k▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€241k€270k▲
Operating profit (loss)9901€50k€64k▲
Financial income75/76B€149€98▼
Recurring financial income75€149€98▼
Financial charges65/66B€341€514▲
Recurring financial charges65€341€514▲
Profit (loss) for the period before taxes9903€50k€64k▲
Income taxes67/77€15k€21k▲
Profit (loss) for the period9904€35k€43k▲
Profit (loss) for the period to be appropriated9905€35k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€85k€93k▲
Profit (loss) brought forward from the previous period14P€50k€50k▲
Profit to be distributed694/7€35k€50k▲
Return on contributions (dividend)694€35k€50k▲
Social balance
Average headcount (FTE)90873.13.1=
The notes to these accounts (8 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 11 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 3.36
Current ratio from 0.81 to 3.36; short-term debt falls from €89k to €22k.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
2019
31-12
Financial
Highest result since 2018net €115k ▲377%
Operating result €167k, net result €115k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
26-08-2022
Resigned as Managing director
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 2003
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.
Quai Andreï Sakharov(TOU) 307500 TournaiGround area
1,275 m²
Building footprint
281 m²
Volume, LiDAR
3,908 m³
2 parcels, Wallonia · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Rue Edouard Valcke(TOU) 20, 7500 Tournai
since 20032.131.966.265
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462A0043/00V012 | Wallonia | 1,005 m² | 1 · 228 m² | 17.3 m · 5 fl. |
| 57463L0484/00R016 | Wallonia | 270 m² | 1 · 53 m² | 13.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
2 connected companiesNetwork connections
Shared address
→
Shared address
→
Similar companies · same sector, comparable size
CONSULTING KUHI
BE 0835.956.292
Kraainem · Eq €56k
V.D.V. CONSEIL
BE 0457.816.739
Brussel · Eq €56k
DAN INVEST
BE 0682.593.057
Thuin · Eq €56k
LIFE & FINANCE BROKERAGE
BE 0479.638.373
Silly · Eq €56k
Karen Verreet
BE 0631.741.105
Herenthout · Eq €56k
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,371 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-04-2003
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.