Summary
FURNASSUR 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 €80,047 and a net result of €27,086. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 48% of 3318 sector peers (fiscal year 2024). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
134 d late
2022
301 d late
2021
75 d late
2020
417 d late
2019
462 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 236 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#4 oldest company in Veurne, Finance and insurance sector
Equity
€80,047▲ 51.1%
2023 · €52,960
Net result
€27,086
2023 · -€128,801
Total assets
€166,325▲ 45.2%
2023 · €114,539
Solvency
48.1%▲ 1.9pp
2023 · 46.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€3,598▼ 93.9%€35,475▲ 886%€24,507▼ 30.9%-€121,095€45,792
Net result-€23,284below the sector's middle half€26,416within the sector's middle half€8,270within the sector's middle half▼ 68.7%-€128,801below the sector's middle half€27,086within the sector's middle half
Equity€147,076within the sector's middle half▼ 13.7%€173,492within the sector's middle half▲ 18.0%€181,762within the sector's middle half▲ 4.8%€52,960within the sector's middle half▼ 70.9%€80,047within the sector's middle half▲ 51.1%
Total assets€177,430below the sector's middle half▼ 10.1%€214,545within the sector's middle half▲ 20.9%€226,772within the sector's middle half▲ 5.7%€114,539below the sector's middle half▼ 49.5%€166,325within the sector's middle half▲ 45.2%
Debt€30,354▲ 12.8%€41,053▲ 35.2%€45,010▲ 9.6%€61,578▲ 36.8%€86,278▲ 40.1%
Working capital€115,208within the sector's middle half▼ 13.8%€141,322within the sector's middle half▲ 22.7%€157,336within the sector's middle half▲ 11.3%€26,467within the sector's middle half▼ 83.2%€52,453within the sector's middle half▲ 98.2%
Solvency82.9%above the sector's middle half▼ 3.5pp80.9%above the sector's middle half▼ 2.0pp80.2%above the sector's middle half▼ 0.7pp46.2%within the sector's middle half▼ 33.9pp48.1%within the sector's middle half▲ 1.9pp
Current ratio5.03above the sector's middle half▼ 2.014.44above the sector's middle half▼ 0.594.50above the sector's middle half▲ 0.051.44within the sector's middle half▼ 3.061.61within the sector's middle half▲ 0.17
Return on assets (ROA)-13.1%below the sector's middle half▼ 29.5pp12.3%within the sector's middle half▲ 25.4pp3.6%within the sector's middle half▼ 8.7pp-112.5%below the sector's middle half▼ 116.1pp16.3%within the sector's middle half▲ 128.7pp
Staff (FTE)0.91▲ 11.1%1=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €45,792 after a loss of €121,095 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €166,325
Fixed assets
€27,593 =
Current assets
€138,731 ▲ 59.6%
Equity and liabilities €166,325
Equity
€80,047 ▲ 51.1%
Debt
€86,278 ▲ 40.1%
Debt's share of the balance-sheet total falls from 53.8% to 51.9%. Equity and debt are higher.
Key figures and ratios
ROE
33.8%▲
2023 · -243.2%
Debt ≤ 1 year
€86,278▲
2023 · €60,478
Income taxes
€18,289▲
2023 · €8,834
Staff costs
€53,803▲
2023 · €50,855
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €368 | - | - |
| Remuneration, social security and pensions62 | - | €225 | €34,204 | €50,855 | €53,803 | ▲ 5.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,016 | €7,630 | €7,743 | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €194,205 | - | - |
| Other operating charges640/8 | €6,208 | €2,989 | €1,799 | €6,407 | €5,395 | ▼ 15.8% |
| Gross operating margin9900 | €17,822 | €46,320 | €68,253 | €130,372 | €104,991 | ▼ 19.5% |
| Operating profit (loss)9901 | €3,598 | €35,475 | €24,507 | -€121,095 | €45,792 | ▲ 138% |
| Financial income75/76B | - | - | - | €1,734 | €106 | ▼ 93.9% |
| Recurring financial income75 | - | - | - | €1,734 | €106 | ▼ 93.9% |
| Financial charges65/66B | €14,599 | €903 | €942 | €606 | €523 | ▼ 13.6% |
| Recurring financial charges65 | €14,599 | €903 | €942 | €606 | €523 | ▼ 13.6% |
| Profit (loss) for the period before taxes9903 | -€11,001 | €34,572 | €23,565 | -€119,967 | €45,375 | ▲ 138% |
| Income taxes67/77 | €12,282 | €8,156 | €15,295 | €8,834 | €18,289 | ▲ 107% |
| Profit (loss) for the period9904 | -€23,284 | €26,416 | €8,270 | -€128,801 | €27,086 | ▲ 121% |
| Profit (loss) for the period to be appropriated9905 | -€23,284 | €26,416 | €8,270 | -€128,801 | €27,086 | ▲ 121% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €177,430 | €214,545 | €226,772 | €114,539 | €166,325 | ▲ 45.2% |
| Fixed assets21/28 | €33,653 | €32,169 | €24,426 | €27,593 | €27,593 | = |
| Tangible fixed assets22/27 | €33,549 | €32,065 | €24,322 | €24,689 | €24,689 | = |
| Land and buildings22 | €33,549 | €26,697 | €19,846 | €24,343 | €24,343 | = |
| Plant, machinery and equipment23 | - | €1,370 | €1,190 | - | - | - |
| Furniture and vehicles24 | - | €3,998 | €3,286 | €346 | €346 | = |
| Financial fixed assets28 | €104 | €104 | €104 | €2,904 | €2,904 | = |
| Current assets29/58 | €143,777 | €182,375 | €202,346 | €86,945 | €138,731 | ▲ 59.6% |
| Amounts receivable within one year40/41 | €135,549 | €173,457 | €201,692 | €62,108 | €86,832 | ▲ 39.8% |
| Trade receivables40 | €4,684 | €12,709 | €35,718 | €27,550 | - | - |
| Other amounts receivable41 | €130,865 | €160,748 | €165,974 | €34,558 | €86,832 | ▲ 151% |
| Cash at bank and in hand54/58 | €8,227 | €8,918 | €654 | €2,822 | €44,177 | ▲ 1,466% |
| Deferred charges and accrued income490/1 | - | - | - | €22,015 | €7,722 | ▼ 64.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €177,430 | €214,545 | €226,772 | €114,539 | €166,325 | ▲ 45.2% |
| Equity10/15 | €147,076 | €173,492 | €181,762 | €52,960 | €80,047 | ▲ 51.1% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €66,897 | €66,897 | €119,762 | €3,000 | €3,000 | = |
| Tax-exempt reserves132 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Distributable reserves133 | €63,897 | €63,897 | €116,762 | - | - | - |
| Profit (loss) carried forward14 | €18,178 | €44,594 | - | -€12,040 | €15,047 | ▲ 225% |
| Amounts payable17/49 | €30,354 | €41,053 | €45,010 | €61,578 | €86,278 | ▲ 40.1% |
| Amounts payable after more than one year17 | €1,786 | - | - | - | - | - |
| Financial debts170/4 | €1,786 | - | - | - | - | - |
| Amounts payable within one year42/48 | €28,568 | €41,053 | €45,010 | €60,478 | €86,278 | ▲ 42.7% |
| Current portion of amounts payable after more than one year42 | €3,259 | €1,786 | - | - | - | - |
| Financial debts43 | - | €11,362 | - | - | €1,260 | - |
| Credit institutions430/8 | - | €11,362 | - | - | €1,260 | - |
| Trade debts44 | €794 | €2,922 | €35 | - | - | - |
| Suppliers440/4 | - | - | €35 | - | - | - |
| Bills of exchange payable441 | €794 | €2,922 | - | - | - | - |
| Taxes, remuneration and social security45 | €24,515 | €24,984 | €43,475 | €16,005 | €50,278 | ▲ 214% |
| Taxes450/3 | €24,515 | €24,984 | €15,694 | €12,933 | €29,549 | ▲ 128% |
| Remuneration and social security454/9 | - | - | €27,781 | €3,072 | €20,729 | ▲ 575% |
| Other amounts payable47/48 | - | - | €1,500 | €44,473 | €34,740 | ▼ 21.9% |
| Accrued charges and deferred income492/3 | - | - | - | €1,100 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€23,284 | €26,416 | €8,270 | -€128,801 | €27,086 | ▲ 121% |
| + Depreciation and write-downs630 | €8,016 | €7,630 | €7,743 | - | - | - |
| Operating cash flow (approximation) | -€15,268 | €34,046 | €16,014 | -€128,801 | €27,086 | ▲ 121% |
| Investment in fixed assets (approximation) | - | -€6,146 | €0 | -€3,168 | €0 | ▲ 100% |
| Change in cash | - | €691 | -€8,265 | €2,168 | €41,355 | ▲ 1,807% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €27,086
Net result €27,086 after one loss-making year.
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 134 days late
27-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 301 days late
2023
31-12
Financial
Weakest financial yearnet -€128,801
Net result drops to -€128,801, the lowest in the series; recovery starts the following year.
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 417 days late
2021
31-12
Financial
Back to profitnet €26,416
Net result €26,416 after one loss-making year.
31-12
Financial
Equity above €150,000Eq €173,492 ▲18%
Equity rises from €147,076 to €173,492.
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 462 days late
05-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 828 days late
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 779 days late
Show earlier events
2019
31-12
Financial
Highest result since 2018net €32,254 ▲250%
Operating result €59,071, net result €32,254, both a record.
31-12
Financial
Equity above €150,000Eq €170,359 ▲23.4%
2 profitable years in a row build equity to €170,359.
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Veurne · 1 establishment unit since 1994
Ground area
4,224 m²
Building footprint
1,257 m²
Volume, LiDAR
15,324 m³
2 parcels, Flanders · tallest building 21.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Groene-Biezenlaan 58, 8660 De Panne
since 19942.067.655.859
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38352D0459/00P000 | Flanders | 2,343 m² | 1 · 127 m² | 7.9 m · 2 fl. |
| 38025A0498/00P000 | Flanders | 1,881 m² | 1 · 1,130 m² | 21.3 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,595 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded07-07-1994
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0453052257
Also
9925:BE0453052257
Registered
25-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.