InsuCarrier 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 €265k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 95% of 5523 sector peers (fiscal year 2025). The company has been active since 2016 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 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
72 d early
2023
75 d early
← 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
€265k▲ 2.0%
2024 · €260k
2023: €256k
2024: €260k
2023 → 2025
Net result
€5k▲ 16.5%
2024 · €4k
2023: €233k
2024: €4k
2023 → 2025
Total assets
€266k▲ 1.0%
2024 · €264k
2023: €256k
2024: €264k
2023 → 2025
Solvency
99.5%▲ 1.0pp
2024 · 98.5%
2023: 100.0%
2024: 98.5%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€256k-€260k▲ 1.7%€265k▲ 2.0%
Operating result€-6k-€4k€5k▲ 14.7%
Net result€233k-€4k▼ 98.1%€5k▲ 16.5%
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 has risen two years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €266k
Equity
€265k▲ 2.0%
Debt
€1k▼ 66.8%
The debt ratio falls from 1.5% to 0.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.5%▲
2024 · 98.5%
ROE
1.9%▲
2024 · 1.7%
ROA
1.9%▲
2024 · 1.7%
Debt
€1k▼
2024 · €4k
Debt ≤ 1 year
€1k▼
2024 · €4k
A ratio outside any meaningful range has been withheld (balance sheet total €266k, equity €265k).
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€264k€266k▲
Current assets29/58€264k€266k▲
Amounts receivable after more than one year29€5k-
Other amounts receivable291€5k-
Amounts receivable within one year40/41€252k€246k▼
Trade receivables40-€355
Other amounts receivable41€252k€246k▼
Cash at bank and in hand54/58€7k€20k▲
Deferred charges and accrued income490/1-€33
Equity and liabilities
Total equity and liabilities10/49€264k€266k▲
Equity10/15€260k€265k▲
Contributions10/11€30k€30k=
Reserves13€230k€235k▲
Distributable reserves133€230k€235k▲
Amounts payable17/49€4k€1k▼
Amounts payable within one year42/48€4k€1k▼
Trade debts44-€1k
Suppliers440/4-€1k
Other amounts payable47/48€4k-
Income statement
Code20242025
Other operating charges640/8€770€186▼
Non-recurring operating charges66A-€644
Gross operating margin9900€5k€6k▲
Operating profit (loss)9901€4k€5k▲
Financial income75/76B€5-
Recurring financial income75€5-
Financial charges65/66B€106€37▼
Recurring financial charges65€106€37▼
Profit (loss) for the period before taxes9903€4k€5k▲
Profit (loss) for the period9904€4k€5k▲
Profit (loss) for the period to be appropriated9905€4k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€5k▲
Transfer to equity691/2€4k€5k▲
To other reserves6921€4k€5k▲
The notes to these accounts (2 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 207.51
Current ratio from 68.23 to 207.51; short-term debt falls from €4k to €1k.
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €4k ▼98.1%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2016
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.
Frankrijklei 1122000 AntwerpenGround area
659 m²
Building footprint
659 m²
Volume, LiDAR
12,969 m³
Parcel 11803C0380/00K003, Flanders · tallest building 31.6 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
InsuCarrier
since 20162.259.497.412
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11803C0380/00K003 | Flanders | 659 m² | 1 · 659 m² | 31.6 m · 9 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,696 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.