Summary
JCAssur 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 €56k and a net result of €6k. Equity is growing by ~71% per year across the filed fiscal years. Its solvency ranks better than 50% of 775 sector peers (fiscal year 2024). The company has been active since 2017 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
21 d late
2022
32 d late
2021
34 d early
2020
32 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€56k▼ 7.4%
2023 · €61k
2018: €3k
2019: €4k
2020: €26k
2021: €14k
2022: €31k
2023: €61k
2018 → 2024
Net result
€6k▼ 83.0%
2023 · €32k
2018: €5k
2019: €1k
2020: €29k
2021: €9k
2022: €29k
2023: €32k
2018 → 2024
Total assets
€151k▼ 25.3%
2023 · €202k
2018: €173k
2019: €174k
2020: €215k
2021: €231k
2022: €236k
2023: €202k
2018 → 2024
Solvency
37.1%▲ 7.2pp
2023 · 30.0%
2018: 1.6%
2019: 2.3%
2020: 11.9%
2021: 6.2%
2022: 13.2%
2023: 30.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€26k-€14k▼ 44.6%€31k▲ 118%€61k▲ 94.9%€56k▼ 7.4%
Operating result€43k-€18k▼ 58.2%€45k▲ 152%€50k▲ 10.1%€11k▼ 77.7%
Net result€29k-€9k▼ 70.2%€29k▲ 237%€32k▲ 12.6%€6k▼ 83.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 78% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €151k
Fixed assets
€123k ▼ 18.4%
Current assets
€28k ▼ 45.8%
Equity and liabilities €151k
Equity
€56k ▼ 7.4%
Debt
€95k ▼ 32.9%
Debt's share of the balance-sheet total falls from 70.0% to 62.9%. Equity and debt are lower.
Key figures and ratios
ROE
9.9%▼
2023 · 53.6%
ROA
3.7%▼
2023 · 16.1%
Debt ≤ 1 year
€92k▼
2023 · €123k
Debt > 1 year
€3k▼
2023 · €19k
Income taxes
€5k▼
2023 · €16k
Staff costs
€56k▲
2023 · €53k
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 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€202k€151k▼
Fixed assets21/28€151k€123k▼
Intangible fixed assets21€91k€70k▼
Tangible fixed assets22/27€60k€53k▼
Furniture and vehicles24€2k€3k▲
Other tangible fixed assets26€58k€50k▼
Current assets29/58€51k€28k▼
Amounts receivable within one year40/41€1k€14k▲
Trade receivables40€409-
Other amounts receivable41€632€14k▲
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1€46k€12k▼
Equity and liabilities
Total equity and liabilities10/49€202k€151k▼
Equity10/15€61k€56k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€54k€50k▼
Amounts payable17/49€141k€95k▼
Amounts payable after more than one year17€19k€3k▼
Financial debts170/4€19k€3k▼
Amounts payable within one year42/48€123k€92k▼
Current portion of amounts payable after more than one year42€43k€29k▼
Trade debts44€9k€15k▲
Suppliers440/4€9k€15k▲
Taxes, remuneration and social security45€36k€35k▼
Taxes450/3€29k€23k▼
Remuneration and social security454/9€6k€12k▲
Other amounts payable47/48€36k€12k▼
Income statement
Code20232024
Remuneration, social security and pensions62€53k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€31k▼
Other operating charges640/8€677€1k▲
Gross operating margin9900€139k€98k▼
Operating profit (loss)9901€50k€11k▼
Financial income75/76B€0€138▲
Recurring financial income75€0€138▲
Financial charges65/66B€2k€794▼
Recurring financial charges65€2k€794▼
Profit (loss) for the period before taxes9903€48k€10k▼
Income taxes67/77€16k€5k▼
Profit (loss) for the period9904€32k€6k▼
Profit (loss) for the period to be appropriated9905€32k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€60k▲
Profit (loss) brought forward from the previous period14P€25k€54k▲
Profit to be distributed694/7€3k€10k▲
Return on contributions (dividend)694€3k€10k▲
Social balance
Average headcount (FTE)90870.70.7=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
31-12
Financial
Highest result since 2018net €32k ▲12.6%
Operating result €50k, net result €32k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €1k ▼76.2%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lasne · 1 establishment unit since 2017
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.
Chemin des Hochequeues 421380 LasneGround area
2,294 m²
Building footprint
200 m²
Volume, LiDAR
563 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JCAssur
since 20172.268.850.388
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25016C0392/00L000 | Wallonia | 1,699 m² | 1 · 81 m² | 8.6 m · 2 fl. |
| 25051C0028/00K000 | Wallonia | 595 m² | 1 · 119 m² | - |
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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,374 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
Founded19-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.