Alliance BW 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 €50k and a net result of €-1k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 21% of 2425 sector peers (fiscal year 2025). The company has been active since 2019 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 2425 sector peers (2025).
NBB · sector comparisonPosition among 2425 sector peers
Solvency
better than 21%
← weakest
strongest →
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 21-05-2026, 71 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
71 d early
2024
93 d early
2023
90 d early
2022
137 d early
2021
144 d early
2020
155 d early
2019
13 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▼ 2.4%
2024 · €51k
2019: €12k
2020: €20k
2021: €20k
2022: €40k
2023: €38k
2024: €51k
2019 → 2025
Net result
€-1k
2024 · €13k
2019: €-8k
2020: €53k
2021: €42k
2022: €34k
2023: €-2k
2024: €13k
2019 → 2025
Total assets
€327k▼ 15.1%
2024 · €386k
2019: €577k
2020: €547k
2021: €574k
2022: €522k
2023: €459k
2024: €386k
2019 → 2025
Solvency
15.1%▲ 2.0pp
2024 · 13.2%
2019: 2.0%
2020: 3.7%
2021: 3.5%
2022: 7.7%
2023: 8.3%
2024: 13.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€40k▲ 100%€38k▼ 4.3%€51k▲ 32.7%€50k▼ 2.4%
Operating result€61k-€55k▼ 10.6%€8k▼ 84.5%€27k▲ 213%€6k▼ 78.5%
Net result€42k-€34k▼ 19.2%€-2k€13k€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€237k▼ 20.8%
Current assets
€90k▲ 4.5%
Equity and liabilities €327k
Equity
€50k▼ 2.4%
Debt
€278k▼ 17.1%
The debt ratio falls from 86.8% to 84.9%. Equity and debt are lower.
Key figures and ratios
Solvency
15.1%▲
2024 · 13.2%
ROE
-2.5%▼
2024 · 24.7%
ROA
-0.4%▼
2024 · 3.2%
Debt
€278k▼
2024 · €335k
Debt ≤ 1 year
€99k▲
2024 · €89k
Debt > 1 year
€179k▼
2024 · €245k
Income taxes
€727▼
2024 · €6k
Staff costs
€915▼
2024 · €88k
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€386k€327k▼
Fixed assets21/28€300k€237k▼
Intangible fixed assets21€241k€188k▼
Tangible fixed assets22/27€58k€49k▼
Plant, machinery and equipment23€58k€49k▼
Current assets29/58€86k€90k▲
Amounts receivable within one year40/41€67k€52k▼
Trade receivables40€31k€32k▲
Other amounts receivable41€36k€21k▼
Cash at bank and in hand54/58€19k€36k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€386k€327k▼
Equity10/15€51k€50k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€31k€30k▼
Amounts payable17/49€335k€278k▼
Amounts payable after more than one year17€245k€179k▼
Financial debts170/4€245k€179k▼
Amounts payable within one year42/48€89k€99k▲
Current portion of amounts payable after more than one year42€67k€68k▲
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€17k-
Taxes450/3€10k-
Remuneration and social security454/9€7k-
Other amounts payable47/48-€21k
Income statement
Code20242025
Remuneration, social security and pensions62€88k€915▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€62k=
Other operating charges640/8€371€1k▲
Gross operating margin9900€177k€70k▼
Operating profit (loss)9901€27k€6k▼
Financial income75/76B-€456
Recurring financial income75-€456
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€19k€-513▼
Income taxes67/77€6k€727▼
Profit (loss) for the period9904€13k€-1k▼
Profit (loss) for the period to be appropriated9905€13k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€30k▼
Profit (loss) brought forward from the previous period14P€18k€31k▲
The notes to these accounts (10 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
26-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment2 facts ▸
- General meeting, 2026-06-15
- Director appointment, Didier Cardyn (administrateur)
04-08
State Gazette act
Capital & shares · Purpose · Statutes amendment · Resignations & appointments · RestructuringGeneral meeting · Merger · Accounting effect6 facts ▸
State Gazette act
Capital & shares · Purpose · Statutes amendment · Resignations & appointments · Restructuring
General meeting · Merger · Accounting effect6 facts ▸
- General meeting, 14/07/2026
- Merger, 14/07/2026
- Accounting effect, 01/01/2026
- Purpose change, La sociétė a pour objet, tant en Belgique qu'à l'étranger, pour compte propre ou compte de tiers ou en participation avec ceux-ci, éventuellement en qualité d'i…
- Name change, Alliance BW
- Report, 13/07/2026
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Didier Cardyn
CurrentDirector · since 15-06-2026
15-06-2026
Appointed as Director
Location & real-estate footprint
Registered office, Rixensart · 1 establishment unit since 2019
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.
Avenue de Merode 21330 RixensartGround area
76 m²
Building footprint
71 m²
Volume, LiDAR
686 m³
Parcel 25091C0754/00E000, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ID ASSURFIN
since 20192.289.947.096
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25091C0754/00E000 | Wallonia | 76 m² | 1 · 71 m² | 10.9 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.
Structure & network
Acquisitions and mergers
1 transactionTook over:Didier Cardyn
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,295 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2019
Fiscal year end31-12
Legal name FR
ID ASSURFIN
Activities, NACEBEL
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesPhone:+320000000
E-mail:antoine.vanvyve@gmail.com
Phone:0478458040