Equity
Equity fell by 72% in 8 years.
Equity fell by 72% in 8 years.
Turnover rose in 2025: different schema filed.
Of this, €21,653 falls due within a year.
Green is investment, beige is depreciation.
INTERASSUR pays its suppliers 17 days later than in 2024. Customers pay 129 days earlier.
Five of the last ten came late. The 2021 accounts came latest: 26 days after the end of the period.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| INTERASSUR Marche-en-Famenne | €544,511 | 30.2% | 18.0% | - |
| MICHEL MOES ASSURANCES Hannut | - | - | 14.2% | 1 |
| Bijnens-Beuls Verzekeringen Zutendaal | - | - | 44.6% | - |
| MALENGRET ASSURANCES Morlanwelz | - | - | 43.0% | - |
| KANTOOR CHRIS LAMBRECHT Maldegem | - | - | 46.7% | 2 |
| W.D.M. Remicourt | - | - | 16.4% | 7.5 |
| AB-BROKERS Antwerp | €517,651 | 22.2% | 41.6% | 3 |
Grey: the largest companies of the sector (auxiliary financial services (NACE 66)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as INTERASSUR: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €432,000 and €537,000, founded between 1983 and 1991.
INTERASSUR has existed since 1988. The present size dates from 2019. Turnover rose that year from €61,994 to €239,990, while staff fell from 2 to 0.8 full-time equivalents.
Solvency fell in 2025 from 42.8% to 18.0% because of the dividend.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Higher than 28% of 1,858 companies in 2025.
Higher than 78% of 1,842 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Staff: middle half
Staff costs divided by the average number of full-time equivalents.
In 2025, 2 people joined and nobody left.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||||||||||
20/58 |
481,959 | 171,566 | 353,703 | 296,550 | 221,251 | 203,994 | 195,837 | 324,479 | 312,749 | 288,523 | 279,294 | 263,521 | 257,146 | 252,585 | 234,003 | 212,359 | 217,550 | 224,978 | 193,023 | 149,644 | |
20 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 234 | 467 | |
21/28 |
450,017 | - | - | - | - | 3,535 | 4,868 | 8,201 | - | - | - | - | 74 | 74 | 74 | 360 | 360 | 646 | 1,165 | 1,684 | |
21 |
442,172 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
22/27 |
2,845 | - | - | - | 0 | 1,535 | 4,868 | 8,201 | - | - | - | - | - | - | - | 286 | 286 | 571 | 857 | 1,142 | |
24 |
2,845 | - | - | - | - | 1,535 | 4,868 | 8,201 | - | - | - | - | - | - | - | 286 | 286 | 571 | 857 | 1,142 | |
28 |
5,000 | - | - | - | - | 2,000 | - | - | - | - | - | - | 74 | 74 | 74 | 74 | 74 | 74 | 74 | 74 | |
29/58 |
31,942 | 171,566 | 353,703 | 296,550 | 221,251 | 200,458 | 190,969 | 316,278 | 312,749 | 288,523 | 279,294 | 263,521 | 257,071 | 252,511 | 233,929 | 211,999 | 217,190 | 224,332 | 191,859 | 147,960 | |
40/41 |
12,186 | 114,285 | 323,713 | 236,760 | 192,458 | 150,750 | 170,161 | 313,256 | 310,154 | 276,266 | 266,159 | 263,015 | 252,450 | 240,000 | 233,567 | 207,500 | 200,060 | 213,650 | 189,030 | 146,847 | |
40 |
- | - | - | 334 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 14,380 | - | |
41 |
12,186 | 114,285 | 323,713 | 236,426 | 192,458 | 150,750 | 170,161 | 313,256 | 310,154 | 276,266 | 266,159 | 263,015 | 252,450 | 240,000 | 233,567 | 207,500 | 200,060 | 213,650 | 174,650 | 146,847 | |
54/58 |
787 | 51,604 | 3,903 | 13,500 | 8,892 | 34,778 | 1,068 | 3,022 | 2,595 | 12,258 | 13,135 | 506 | 4,621 | 12,511 | 361 | 4,499 | 17,130 | 10,682 | 2,828 | 1,113 | |
490/1 |
18,969 | 5,677 | 26,086 | 46,290 | 19,901 | 14,931 | 19,740 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Balance sheet: equity and liabilities | |||||||||||||||||||||
10/49 |
481,959 | 171,566 | 353,703 | 296,550 | 221,251 | 203,994 | 195,837 | 324,479 | 312,749 | 288,523 | 279,294 | 263,521 | 257,146 | 252,585 | 234,003 | 212,359 | 217,550 | 224,978 | 193,023 | 149,644 | |
10/15 |
86,844 | 73,486 | 73,486 | 206,088 | 137,036 | 74,129 | 75,364 | 90,305 | 308,781 | 287,652 | 279,294 | 261,665 | 254,622 | 247,233 | 227,419 | 212,312 | 201,368 | 210,777 | 184,461 | 147,895 | |
10/11 |
62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | |
10 |
62,000 | 62,000 | 62,000 | 62,000 | 62,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
100 |
62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | 62,000 | |
13 |
11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 11,486 | 10,258 | 10,258 | 10,258 | 10,258 | |
130/1 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
130 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 4,972 | 4,972 | 4,972 | 4,972 | |
132 |
5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | 5,286 | |
14 |
13,359 | - | - | 132,603 | 63,551 | 643 | 1,879 | 16,820 | 235,296 | 214,167 | 205,809 | 188,179 | 181,137 | 173,747 | 153,934 | 138,827 | 129,110 | 138,520 | 112,203 | 75,637 | |
17/49 |
395,114 | 98,080 | 280,217 | 90,462 | 84,214 | 129,865 | 120,473 | 234,174 | 3,968 | 871 | - | 1,856 | 2,523 | 5,352 | 6,584 | 47 | 16,182 | 14,200 | 8,562 | 1,749 | |
17 |
373,462 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
175 |
373,462 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
42/48 |
21,653 | 98,080 | 280,217 | 90,462 | 84,214 | 129,865 | 120,473 | 234,174 | 3,968 | 871 | - | 1,856 | 2,523 | 5,352 | 6,584 | 47 | 16,182 | 14,200 | 8,562 | 1,749 | |
44 |
10,687 | 1,941 | 914 | 1,254 | 1,728 | 1,626 | 329 | 1,136 | 869 | 871 | - | 1,210 | - | - | - | - | - | 129 | 1,667 | 1,749 | |
440/4 |
10,687 | 1,941 | 914 | 1,254 | 1,728 | 1,626 | 329 | 1,136 | 869 | 871 | - | 1,210 | - | - | - | - | - | 129 | 1,667 | 1,749 | |
45 |
8,933 | - | 9,184 | 14,808 | 5,099 | 21,557 | 11,370 | 2,951 | 1,378 | - | - | - | 921 | 1,424 | - | - | 1,769 | - | - | - | |
450/3 |
8,933 | - | 3,890 | 13,195 | 2,606 | 19,034 | 9,265 | 112 | 1,378 | - | - | - | - | - | - | - | 327 | - | - | - | |
454/9 |
- | - | 5,294 | 1,613 | 2,493 | 2,523 | 2,105 | 2,839 | - | - | - | - | 921 | 1,424 | - | - | 1,442 | - | - | - | |
47/48 |
2,033 | 96,140 | 270,119 | 74,400 | 77,387 | 106,682 | 108,774 | 230,087 | 1,721 | - | - | 646 | 1,602 | 3,928 | 6,584 | 47 | 14,413 | 14,071 | 6,895 | - | |
| Income statement | |||||||||||||||||||||
70 |
544,511 | 304,250 | 304,539 | 277,454 | 262,199 | 239,030 | 239,990 | 61,994 | 56,124 | 56,056 | 55,293 | 49,660 | 41,229 | 30,937 | 43,865 | 44,029 | 36,051 | 49,351 | 52,626 | 39,583 | |
76A |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 578 | 480 | |
9900 |
380,937 | 183,923 | 204,499 | 209,722 | 190,566 | 160,896 | 154,920 | 24,354 | 39,398 | 40,000 | 41,930 | 35,006 | 28,895 | 18,152 | 12,957 | 36,167 | 26,685 | 43,372 | 45,378 | 29,790 | |
60/61 |
175,447 | 131,339 | 109,920 | 76,080 | 80,084 | 86,520 | 93,398 | 38,409 | 16,726 | 16,056 | 13,363 | 14,654 | 12,334 | 12,785 | 30,908 | 7,901 | 9,416 | 5,979 | 7,249 | 9,793 | |
62 |
141,800 | 70,650 | 63,727 | 49,684 | 30,675 | 25,681 | 29,856 | 20,966 | 8,494 | 27,405 | 28,875 | 30,536 | 24,033 | 10,656 | - | 21,157 | 28,283 | 4,031 | - | - | |
630 |
74,804 | - | - | - | - | 3,333 | 3,333 | 1,799 | - | - | - | - | - | - | 286 | - | 286 | 519 | 519 | 519 | |
640/8 |
90 | - | - | - | 1 | 94 | 482 | 25 | - | - | - | - | - | - | - | - | - | - | - | - | |
9901 |
164,243 | 113,273 | 140,772 | 160,037 | 159,890 | 131,788 | 121,249 | 1,563 | 30,904 | 12,595 | 13,055 | 4,470 | 4,862 | 7,496 | 12,672 | 15,010 | -1,883 | 38,822 | 44,858 | 29,271 | |
75/76B |
1,337 | 627 | 2,879 | 2,205 | 1,759 | 785 | 2,457 | 3,102 | 2,838 | 2,719 | 2,683 | 2,603 | 2,505 | 2,389 | 4,460 | 4,077 | 9,239 | 19 | 4,650 | 2 | |
75 |
1,337 | 627 | 2,879 | 2,205 | 1,759 | 785 | 2,457 | 3,102 | 2,838 | 2,719 | 2,683 | 2,603 | 2,505 | 2,389 | 4,460 | 4,077 | 9,239 | 19 | 4,650 | 2 | |
65/66B |
3,288 | 327 | 155 | 145 | 215 | 51 | 24 | 35 | 25 | 25 | 29 | 30 | 28 | 25 | 25 | 25 | 33 | 25 | 25 | 15 | |
65 |
3,288 | 327 | 155 | 145 | 215 | 51 | 24 | 35 | 25 | 25 | 29 | 30 | 28 | 25 | 25 | 25 | 33 | 25 | 25 | 15 | |
9903 |
162,292 | 113,573 | 143,495 | 162,097 | 161,435 | 132,523 | 123,682 | 4,630 | 33,717 | 15,288 | 15,709 | 7,042 | 7,339 | 9,859 | 17,107 | 19,062 | 7,323 | 38,816 | 50,061 | 29,738 | |
67/77 |
48,933 | 25,235 | 38,890 | 43,045 | 43,527 | 34,759 | 38,623 | 3,106 | 12,588 | 6,931 | -1,921 | - | -51 | -9,954 | 2,000 | 8,117 | 16,732 | 12,500 | 13,495 | 14,184 | |
9904 |
113,359 | 88,337 | 104,606 | 119,052 | 117,908 | 97,764 | 85,059 | 1,524 | 21,129 | 8,358 | 17,630 | 7,042 | 7,390 | 19,813 | 15,107 | 10,945 | -9,410 | 26,316 | 36,566 | 15,553 | |
9905 |
113,359 | 88,337 | 104,606 | 119,052 | 117,908 | 97,764 | 85,059 | 1,524 | 21,129 | 8,358 | 17,630 | 7,042 | 7,390 | 19,813 | 15,107 | 10,945 | -9,410 | 26,316 | 36,566 | 15,553 | |
| Appropriation of the result | |||||||||||||||||||||
9906 |
113,359 | 88,337 | 237,209 | 182,603 | 118,551 | 99,643 | 101,879 | 236,820 | 235,296 | 214,167 | 205,809 | 188,179 | 181,137 | 173,747 | 153,934 | 140,055 | 129,110 | 138,520 | 112,203 | 76,415 | |
14P |
- | - | 132,603 | 63,551 | 643 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
691/2 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,228 | - | - | - | 778 | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,228 | - | - | - | 778 | |
694/7 |
100,000 | 88,337 | 237,209 | 50,000 | 55,000 | 99,000 | 100,000 | 220,000 | - | - | - | - | - | - | - | - | - | - | - | - | |
694 |
100,000 | 88,337 | 237,209 | 50,000 | 55,000 | 99,000 | 100,000 | 220,000 | - | - | - | - | - | - | - | - | - | - | - | - | |
| Social balance sheet | |||||||||||||||||||||
9087 |
2 | 1 | 1 | 1 | 0.8 | 0.8 | 0.8 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | - | 1 | 1 | 1 | - | - | |
Hours worked1013 |
- | - | - | - | 1,440 | 1,200 | 1,252 | 1,186 | 285 | 1,725 | 1,707 | 1,392 | 1,672 | 758 | - | 1,356 | 1,560 | 639 | - | - | |
| Document | |||||||||||||||||||||
The accounts for 17 older financial years (1989-2005) were filed as documents without figures as data, scans for example.
The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 10-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 10-07-2026 | 2026-00279513 | |
| 31-12-2024 | micro format | 22-07-2025 | 2025-00295751 | |
| 31-12-2023 | micro format | 17-07-2024 | 2024-00258744 | |
| 31-12-2022 | micro format | 22-08-2023 | 2023-00346696 | |
| 31-12-2021 | micro format | 26-08-2022 | 2022-20340105 | |
| 31-12-2020 | micro format | 24-06-2021 | 2021-24200120 | |
| 31-12-2019 | micro format | 31-07-2020 | 2020-38900524 | |
| 31-12-2018 | micro format | 01-08-2019 | 2019-43400296 | |
| 31-12-2017 | micro format | 16-08-2018 | 2018-46600358 | |
| 31-12-2016 | full format | 03-08-2017 | 2017-41200572 | |
| 31-12-2015 | full format | 29-07-2016 | 2016-38700457 | |
| 31-12-2014 | full format | 23-07-2015 | 2015-34300051 | |
| 31-12-2013 | full format | 09-06-2014 | 2014-17400367 | |
| 31-12-2012 | full format | 08-07-2013 | 2013-28400524 | |
| 31-12-2011 | full format | 30-07-2012 | 2012-36000474 | |
| 31-12-2010 | full format | 29-07-2011 | 2011-35900155 | |
| 31-12-2009 | full format | 27-08-2010 | 2010-46800573 | |
| 31-12-2008 | full format | 14-08-2009 | 2009-57700364 | |
| 31-12-2007 | full format | 31-07-2008 | 2008-52600161 | |
| 31-12-2006 | full format | 24-08-2007 | 2007-60700286 | |
| 31-12-2005 | full format | 30-08-2006 | 2006-74201171 | |
| 31-12-2004 | full format | 25-07-2005 | 2005-55205360 | |
| 31-12-2003 | full format | 30-09-2004 | 2004-69401432 | |
| 31-12-2002 | full format | 17-11-2003 | 2003-79403444 | |
| 31-12-2001 | full format | 05-12-2002 | 2002-75204832 | |
| 31-12-2000 | full format | 15-11-2001 | 2001-70000067 | |
| 31-12-1999 | full format | 07-11-2000 | 2000-70105290 | |
| 31-12-1998 | full format | 30-11-1999 | 1999-61101977 | |
| 31-12-1997 | full format | 18-11-1998 | 1998-57803958 | |
| 31-12-1996 | full format | 13-11-1997 | 1997-52801237 | |
| 31-12-1995 | full format | 17-06-1996 | 1996-16904421 | |
| 31-12-1994 | full format | 18-12-1995 | 1995-60103506 | |
| 31-12-1993 | full format | 02-09-1994 | 1994-38105077 | |
| 31-12-1992 | full format | 30-09-1993 | 1993-37904958 | |
| 31-12-1991 | full format | 14-10-1992 | 1992-35205056 | |
| 31-12-1990 | full format | 31-07-1991 | 1991-20804739 | |
| 31-12-1989 | full format | 02-08-1990 | 1990-20405210 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 524,821 | - | - | - | - | 2,000 | 0 | 10,000 | - | - | - | - | - | - | 0 | - | 0 | 0 | 0 | - | ||
| -50,817 | 47,701 | -9,597 | 4,608 | -25,886 | 33,710 | -1,954 | 427 | -9,663 | -877 | 12,629 | -4,115 | -7,889 | 12,149 | -4,138 | -12,631 | 6,448 | 7,854 | 1,715 | - | ||
| 30.2% | 37.2% | 46.2% | 57.7% | 61.0% | 55.1% | 50.5% | 2.5% | 55.1% | 22.5% | 23.6% | 9.0% | 11.8% | 24.2% | 28.9% | 34.1% | -5.2% | 78.7% | 85.2% | 73.9% | ||
| 18.0% | 42.8% | 20.8% | 69.5% | 61.9% | 36.3% | 38.5% | 27.8% | 98.7% | 99.7% | 100.0% | 99.3% | 99.0% | 97.9% | 97.2% | 100.0% | 92.6% | 93.7% | 95.6% | 98.8% | ||
| 130.5% | 120.2% | 142.3% | 57.8% | 86.0% | 131.9% | 112.9% | 1.7% | 6.8% | 2.9% | 6.3% | 2.7% | 2.9% | 8.0% | 6.6% | 5.2% | -4.7% | 12.5% | 19.8% | 10.5% | ||
| 23.5% | 51.5% | 29.6% | 40.1% | 53.3% | 47.9% | 43.4% | 0.5% | 6.8% | 2.9% | 6.3% | 2.7% | 2.9% | 7.8% | 6.5% | 5.2% | -4.3% | 11.7% | 18.9% | 10.4% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 4 | 2 | 2 | 2 | - |
| full-time | 2 | 1 | 1 | 1 | - |
| part-time | 2 | 1 | 1 | 1 | - |
| in full-time equivalents | 4 | 1.5 | 1.5 | 1.5 | - |
| - | - | - | - | 0.8 | |
| On a permanent contract | 4 | 2 | 2 | 2 | - |
| Joined | 2 | - | 1 | 1 | - |
| Left | 0 | - | 0 | 1 | - |
Source: social balance sheet in the 2021 to 2025 annual accounts
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €3,704 | - | - | - | - |
| Intangible fixed assets | €516,117 | - | - | - | - |
| Financial fixed assets | €5,000 | - | - | - | - |
| €74,804 | - | - | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 45% higher than in 2024 and the highest since 2006. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total rises from 57.2% to 82.0%. Equity and debt are higher.
INTERASSUR has no parent and no holdings in its annual accounts. is the only director.
via , at INTERASSUR until 2024 · Director · deed of 15-05-2017 founded in 1976 |
total assets €3.9m (2025) |
via , at INTERASSUR until 2024 · Director · deed of 15-05-2017 founded in 1988 |
total assets €1.3m (2025) |
The network starts from the earlier ties.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Marloie, Rue du Vicinal 12 registered office 6900 Marche-en-Famenne | 04-10-1988 | 2.040.355.606 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 83053D0102/00S005 | 2,115 m² | 1 · 100 m² | 11.2 m · 3 |
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