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INSUROPE

Active
Cooperative companyfounded 201312 yrs activeWaterloolaan 16, 1000 Brussel, BelgiumKBO/BCE: BE 0542.953.144
Summary

INSUROPE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.2m and a net result of €408,336. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 2736 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
INSUROPEActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Office administrative and support services
NACE 82100Insurance agents and brokers NACE 66220NACE 82110
1 site
Size
€14.4mtotal assets 2025
Staff
23.7 FTE
Equity
€7.2m
Profit
€408,336
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Board
1 member
Accounts 37 d early1 of 27 deeds read
Why 94+ Liquidity: current ratio 2.07, cash €4.7m+ Figures for FY 2025 (filed 24-06-2026)+ Equity €7.2m (49.9% of total assets)+ Sector Office administrative, office support and other business support activities (NACE 82)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 53% of its sector peers (NACE 82, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 75-2
equity 49.9% of total assets
Liquidity 68-2
short-term debt 45.7% · cash 32.5%
Profitability 34-10
return on assets 2.8%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,114 companies)
Last 24 months 11-2024: 0.2%highest value 12-2024: 0.2%● 0.0% vs 11-2024highest value 01-2025: 0.2%▼ -1.5% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.1%▼ -56.6% vs 03-2025 05-2025: 0.1%▲ +4.7% vs 04-2025 06-2025: 0.1%▲ +16.7% vs 05-2025 07-2025: < 0.1%▼ -53.3% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%▼ -2.0% vs 08-2025lowest value 10-2025: < 0.1%● 0.0% vs 09-2025lowest value 11-2025: < 0.1%● 0.0% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: 0.1%▲ +4.2% vs 03-2026 05-2026: 0.1%▲ +4.0% vs 04-2026 06-2026: 0.1%▲ +13.5% vs 05-2026 07-2026: 0.1%▲ +22.0% vs 06-2026 08-2026: 0.1%▲ +65.3% vs 07-2026 09-2026: 0.1%▲ +14.3% vs 08-2026 10-2026: < 0.1%▼ -64.7% vs 09-2026lowest value
  • Liquidity: current ratio 2.07, cash €4.7m lowers the probability
  • Figures for FY 2025 (filed 24-06-2026) lowers the probability
  • Equity €7.2m (49.9% of total assets) lowers the probability
  • Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
Credit up to €650,000 at 30 days acceptable
Liquidity ample (current ratio 2.07 against 2.18 in 2024; short-term debt: 45.7% and cash: 32.5% of total assets), but 50.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, small). Better than this share of them on solvency 58%, liquidity 84%, profitability 19%, growth against the median 54%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 2.07, cash €4.7m
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 24-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €7.2m (49.9% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Office administrative, office support and other business support activities (NACE 82)
In the bankruptcy model this factor lowers the probability.
KBO
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 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
37 d early
2024
42 d early
2023
35 d early
2022
7 d early
2021
45 d early
2020
38 d early
2019
42 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 35 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 24 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Resignation: Harry van der Zwan (director)Appointment: Tom Haaring (director) ·…
  3. Highest result since 2018net €408,336 ▲42.6%

Key points

  • Positive: Among the best 5% on equitysector median €199,328 · 2,737 companies €7.2m View
  • Caution: Board changedlatest change 02-02-2026 · 1 in office 1 joined · 1 left View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €408,336 8 years View
  • Positive: Result rose in 2025from €286,289 to €408,336 ▲ 42.6% View

By topic

Financials

Fiscal year
2025
Total assets
€14.4m
Profit
€408,336
Solvency
49.9%
Total assets▲ 9.5%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 24-06-2026Annual accounts filed
  2. 02-02-2026Resignation: Harry van der Zwan (director)
  3. 31-12-2025Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Cooperative company
Activity
Office administrative and support servicesNACE 82100
Founded
12-12-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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