Summary
INSURANCE4YOU 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 €73k and a net result of €29k. Equity is growing by ~63.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 3323 sector peers (fiscal year 2024). The company has been active since 2021 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 check for your own amount and term
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 18-09-2025, 49 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
not confirmed
2024
49 d late
2023
124 d late
2022
63 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€73k▲ 65.6%
2023 · €44k
2022: €17k
2023: €44k
2022 → 2024
Net result
€29k▲ 6.9%
2023 · €27k
2022: €12k
2023: €27k
2022 → 2024
Total assets
€122k▲ 115%
2023 · €57k
2022: €26k
2023: €57k
2022 → 2024
Solvency
60.1%▼ 17.8pp
2023 · 77.9%
2022: 64.7%
2023: 77.9%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€17k-€44k▲ 159%€73k▲ 65.6%
Operating result€16k-€35k▲ 116%€42k▲ 17.2%
Net result€12k-€27k▲ 124%€29k▲ 6.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 17% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €122k
Fixed assets
€9k ▲ 78.9%
Current assets
€113k ▲ 118%
Equity and liabilities €122k
Equity
€73k ▲ 65.6%
Debt
€49k ▲ 287%
Debt's share of the balance-sheet total rises from 22.1% to 39.9%. Equity and debt are higher.
Key figures and ratios
ROE
39.6%▼
2023 · 61.3%
ROA
23.8%▼
2023 · 47.8%
Debt ≤ 1 year
€34k▲
2023 · €13k
Debt > 1 year
€14k
Income taxes
€11k▲
2023 · €8k
Staff costs
€21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€57k€122k▲
Fixed assets21/28€5k€9k▲
Tangible fixed assets22/27€5k€8k▲
Furniture and vehicles24€5k€8k▲
Financial fixed assets28-€636
Current assets29/58€52k€113k▲
Amounts receivable within one year40/41€16k€25k▲
Trade receivables40€9k€12k▲
Other amounts receivable41€8k€13k▲
Cash at bank and in hand54/58€23k€75k▲
Deferred charges and accrued income490/1€12k€13k▲
Equity and liabilities
Total equity and liabilities10/49€57k€122k▲
Equity10/15€44k€73k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€39k€68k▲
Amounts payable17/49€13k€49k▲
Amounts payable after more than one year17-€14k
Financial debts170/4-€14k
Amounts payable within one year42/48€13k€34k▲
Trade debts44€1k€13k▲
Suppliers440/4€1k€13k▲
Taxes, remuneration and social security45€11k€20k▲
Taxes450/3€9k€16k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48-€30
Accrued charges and deferred income492/3-€590
Income statement
Code20232024
Remuneration, social security and pensions62-€21k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€490€3k▲
Other operating charges640/8€2k€762▼
Gross operating margin9900€37k€66k▲
Operating profit (loss)9901€35k€42k▲
Financial income75/76B€146€304▲
Recurring financial income75€146€304▲
Financial charges65/66B€120€2k▲
Recurring financial charges65€120€2k▲
Profit (loss) for the period before taxes9903€36k€40k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€27k€29k▲
Profit (loss) for the period to be appropriated9905€27k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€68k▲
Profit (loss) brought forward from the previous period14P€12k€39k▲
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
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Highest result since 2022net €29k ▲6.9%
Operating result €42k, net result €29k, both a record.
02-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 124 days late
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Charleroi · 1 establishment unit since 2021
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.
Rue Charnoy 346000 CharleroiGround area
234 m²
Building footprint
79 m²
Volume, LiDAR
1,012 m³
Parcel 52011B0183/00B002, Wallonia · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Charnoy 34, 6000 Charleroi
since 20212.320.471.018
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0183/00B002 | Wallonia | 234 m² | 1 · 78 m² | 16.4 m · 4 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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ZAKENKANTOOR V & C
BE 0564.748.153
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Beheerkantoor De Vree
BE 0427.720.906
Beveren-Kruibeke-Zwijndrecht · Eq €73,478
ON ASSUR
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,546 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:gestion@ins4you.be