INSURIA
ActiveINSURIA 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 €286k and a net result of €18k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 2409 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
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 28-08-2026, 28 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
28 d late
2024
12 d late
2023
23 d early
2022
26 d early
2021
25 d late
2020
80 d late
2019
45 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€286k▲ 6.7%
2024 · €268k
2018: €98k
2019: €141k
2020: €191k
2021: €263k
2022: €303k
2023: €357k
2024: €268k
2018 → 2025
Net result
€18k▼ 33.0%
2024 · €27k
2018: €1k
2019: €42k
2020: €51k
2021: €72k
2022: €40k
2023: €53k
2024: €27k
2018 → 2025
Total assets
€454k▲ 5.4%
2024 · €430k
2018: €573k
2019: €553k
2020: €573k
2021: €555k
2022: €534k
2023: €540k
2024: €430k
2018 → 2025
Solvency
63.1%▲ 0.7pp
2024 · 62.4%
2018: 17.2%
2019: 25.5%
2020: 33.4%
2021: 47.5%
2022: 56.8%
2023: 66.0%
2024: 62.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€263k-€303k▲ 15.2%€357k▲ 17.5%€268k▼ 24.7%€286k▲ 6.7%
Operating result€105k-€66k▼ 37.1%€87k▲ 31.9%€47k▼ 46.0%€34k▼ 26.9%
Net result€72k-€40k▼ 44.3%€53k▲ 32.9%€27k▼ 49.8%€18k▼ 33.0%
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 fallen two years in a row; 2025 is 27% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454k
Fixed assets
€113k▼ 9.2%
Current assets
€341k▲ 11.3%
Equity and liabilities €454k
Equity
€286k▲ 6.7%
Debt
€167k▲ 3.3%
The debt ratio falls from 37.6% to 36.9%: equity grows faster than debt.
Key figures and ratios
Solvency
63.1%▲
2024 · 62.4%
ROE
6.3%▼
2024 · 9.9%
ROA
3.9%▼
2024 · 6.2%
Debt
€167k▲
2024 · €162k
Debt ≤ 1 year
€72k▲
2024 · €69k
Debt > 1 year
€95k▲
2024 · €93k
Income taxes
€12k▼
2024 · €16k
Staff costs
€272k▲
2024 · €263k
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€430k€454k▲
Fixed assets21/28€124k€113k▼
Tangible fixed assets22/27€124k€113k▼
Land and buildings22€93k€75k▼
Plant, machinery and equipment23€470€53▼
Furniture and vehicles24€31k€38k▲
Financial fixed assets28€125€125=
Current assets29/58€306k€341k▲
Amounts receivable within one year40/41€85k€106k▲
Trade receivables40€10k€15k▲
Other amounts receivable41€75k€91k▲
Cash at bank and in hand54/58€217k€228k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€430k€454k▲
Equity10/15€268k€286k▲
Contributions10/11€6k€6k=
Reserves13€262k€262k=
Distributable reserves133€262k€262k=
Profit (loss) carried forward14€0€18k▲
Amounts payable17/49€162k€167k▲
Amounts payable after more than one year17€93k€95k▲
Financial debts170/4€93k€95k▲
Amounts payable within one year42/48€69k€72k▲
Current portion of amounts payable after more than one year42€19k€22k▲
Trade debts44€303€3k▲
Suppliers440/4€303€3k▲
Taxes, remuneration and social security45€45k€42k▼
Taxes450/3€12k€8k▼
Remuneration and social security454/9€33k€34k▲
Other amounts payable47/48€5k€5k=
Income statement
Code20242025
Non-recurring operating income76A€7k€0▼
Remuneration, social security and pensions62€263k€272k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€53k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€364k€365k▲
Operating profit (loss)9901€47k€34k▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€43k€30k▼
Income taxes67/77€16k€12k▼
Profit (loss) for the period9904€27k€18k▼
Profit (loss) for the period to be appropriated9905€27k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€18k▼
Transfer from equity791/2€115k€0▼
Transfer to equity691/2€27k€0▼
To other reserves6921€27k€0▼
Profit to be distributed694/7€115k€0▼
Return on contributions (dividend)694€115k€0▼
Social balance
Average headcount (FTE)90874.0-
The notes to these accounts (11 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 12 days late
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €72k ▲42%
Operating result €105k, net result €72k, both a record.
31-12
Financial
Equity above €200kEq €263k ▲37.5%
4 profitable years in a row build equity to €263k.
19-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 80 days late
2020
31-12
Financial
Equity above €150kEq €191k ▲36%
3 profitable years in a row build equity to €191k.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 45 days late
2019
31-12
Financial
Equity above €100kEq €141k ▲43%
2 profitable years in a row build equity to €141k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
BV Shiya
CurrentDirector · since 10-07-2024 · Legal entity · perm. rep.: Jasper Libbrecht
08-08-2024
Appointed as Permanent representative
10-07-2024
Appointed as Director
Location & real-estate footprint
Registered office, Mechelen · 2 establishment units since 2001
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.
Brusselsesteenweg 172800 MechelenGround area
506 m²
Building footprint
447 m²
Volume, LiDAR
5,528 m³
2 parcels, Flanders · tallest building 23.9 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Brusselsesteenweg 17, 2800 Mechelen
since 20012.116.345.109
INSURIA
since 20062.242.343.951
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0230/00S003 | Flanders | 265 m² | 1 · 265 m² | 23.9 m · 7 fl. |
| 12031C0101/00W002 | Flanders | 241 m² | 1 · 182 m² | 13.0 m · 3 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.
Similar companies · same sector, comparable size
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BE 0842.739.364
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Gysemans Financiën
BE 0425.476.048
Aarschot · Eq €286k
ASSURANCES CREUTZ
BE 0466.499.328
Baelen · Eq €287k
LLink
BE 0833.254.942
Knokke-Heist · Eq €286k
Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 2,750 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2000
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.