Summary
JS Assurances 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 €172,922 and a net result of €63,928. Equity is growing by ~56.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 3320 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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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 17-06-2025, 44 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
33 d early
2022
24 d early
2021
41 d early
2020
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€172,922▲ 58.7%
2023 · €108,993
Net result
€63,928▲ 74.3%
2023 · €36,682
Total assets
€559,544▼ 2.0%
2023 · €570,775
Solvency
30.9%▲ 11.8pp
2023 · 19.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€32,841-€47,708€26,102▼ 45.3%€58,990▲ 126%€97,427▲ 65.2%
Net result-€33,599below the sector's middle half-€41,585within the sector's middle half€14,326within the sector's middle half▼ 65.6%€36,682within the sector's middle half▲ 156%€63,928within the sector's middle half▲ 74.3%
Equity€16,401below the sector's middle half-€57,986within the sector's middle half▲ 254%€72,312within the sector's middle half▲ 24.7%€108,993within the sector's middle half▲ 50.7%€172,922within the sector's middle half▲ 58.7%
Total assets€65,111below the sector's middle half-€94,717below the sector's middle half▲ 45.5%€529,177within the sector's middle half▲ 459%€570,775within the sector's middle half▲ 7.9%€559,544within the sector's middle half▼ 2.0%
Debt€48,709-€36,731▼ 24.6%€456,866▲ 1,144%€461,782▲ 1.1%€386,622▼ 16.3%
Working capital€8,120within the sector's middle half-€43,192within the sector's middle half▲ 432%-€38,264below the sector's middle half-€99,856below the sector's middle half▼ 161%-€45,360below the sector's middle half▲ 54.6%
Solvency25.2%within the sector's middle half-61.2%within the sector's middle half▲ 36.0pp13.7%below the sector's middle half▼ 47.6pp19.1%below the sector's middle half▲ 5.4pp30.9%within the sector's middle half▲ 11.8pp
Current ratio2.04within the sector's middle half-3.46within the sector's middle half▲ 1.420.47below the sector's middle half▼ 2.990.17below the sector's middle half▼ 0.300.46below the sector's middle half▲ 0.30
Return on assets (ROA)-51.6%below the sector's middle half-43.9%above the sector's middle half▲ 95.5pp2.7%within the sector's middle half▼ 41.2pp6.4%within the sector's middle half▲ 3.7pp11.4%within the sector's middle half▲ 5.0pp
Staff (FTE)11=1=1=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 65% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €558,104
Fixed assets
€518,731 ▼ 5.4%
Current assets
€39,373 ▲ 94.0%
Equity and liabilities €559,544
Equity
€172,922 ▲ 58.7%
Debt
€386,622 ▼ 16.3%
Debt's share of the balance-sheet total falls from 80.9% to 69.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
37.0%▲
2023 · 33.7%
Debt ≤ 1 year
€84,732▼
2023 · €120,153
Debt > 1 year
€290,633▼
2023 · €331,788
Income taxes
€26,907▲
2023 · €14,101
Staff costs
€27,132▲
2023 · €24,966
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €8,335 | €26,901 | €24,966 | €27,132 | ▲ 8.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,292 | €17,062 | €31,563 | €32,133 | €32,693 | ▲ 1.7% |
| Other operating charges640/8 | - | €467 | €1,347 | €2,612 | €2,480 | ▼ 5.1% |
| Gross operating margin9900 | -€15,147 | €73,571 | €85,914 | €118,702 | €159,732 | ▲ 34.6% |
| Operating profit (loss)9901 | -€32,841 | €47,708 | €26,102 | €58,990 | €97,427 | ▲ 65.2% |
| Financial income75/76B | - | €100 | €0 | - | - | - |
| Recurring financial income75 | - | €100 | €0 | - | - | - |
| Financial charges65/66B | - | €519 | €3,858 | €8,207 | €6,592 | ▼ 19.7% |
| Recurring financial charges65 | €411 | €519 | €3,858 | €8,207 | €6,592 | ▼ 19.7% |
| Profit (loss) for the period before taxes9903 | -€33,252 | €47,289 | €22,245 | €50,783 | €90,836 | ▲ 78.9% |
| Income taxes67/77 | €347 | €5,704 | €7,919 | €14,101 | €26,907 | ▲ 90.8% |
| Profit (loss) for the period9904 | -€33,599 | €41,585 | €14,326 | €36,682 | €63,928 | ▲ 74.3% |
| Profit (loss) for the period to be appropriated9905 | -€33,599 | €41,585 | €14,326 | €36,682 | €63,928 | ▲ 74.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €65,111 | €94,717 | €529,177 | €570,775 | €559,544 | ▼ 2.0% |
| Formation expenses20 | €1,699 | €1,219 | €3,301 | €2,260 | €1,440 | ▼ 36.3% |
| Fixed assets21/28 | €47,494 | €32,741 | €491,852 | €548,218 | €518,731 | ▼ 5.4% |
| Intangible fixed assets21 | €14,101 | €8,369 | €2,636 | €0 | - | - |
| Tangible fixed assets22/27 | €32,793 | €23,773 | €488,616 | €548,218 | €518,731 | ▼ 5.4% |
| Land and buildings22 | - | - | €475,193 | €540,953 | €517,240 | ▼ 4.4% |
| Plant, machinery and equipment23 | - | €4,176 | €1,325 | €2,343 | €1,491 | ▼ 36.4% |
| Furniture and vehicles24 | - | €19,597 | €12,099 | €4,922 | €0 | ▼ 100% |
| Financial fixed assets28 | €600 | €600 | €600 | €0 | - | - |
| Current assets29/58 | €15,917 | €60,757 | €34,024 | €20,297 | €39,373 | ▲ 94.0% |
| Amounts receivable within one year40/41 | €7,502 | €9,164 | €8,528 | €11,950 | €16,617 | ▲ 39.1% |
| Trade receivables40 | - | €9,164 | €8,528 | €11,950 | €16,617 | ▲ 39.1% |
| Cash at bank and in hand54/58 | €6,327 | €51,296 | €25,171 | €6,164 | €22,756 | ▲ 269% |
| Deferred charges and accrued income490/1 | - | €297 | €324 | €2,183 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €65,111 | €94,717 | €529,177 | €570,775 | €559,544 | ▼ 2.0% |
| Equity10/15 | €16,401 | €57,986 | €72,312 | €108,993 | €172,922 | ▲ 58.7% |
| Contributions10/11 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Reserves13 | - | €7,986 | €22,312 | €58,993 | €122,922 | ▲ 108% |
| Distributable reserves133 | - | €7,986 | €22,312 | €58,993 | €122,922 | ▲ 108% |
| Profit (loss) carried forward14 | -€33,599 | €0 | - | - | - | - |
| Amounts payable17/49 | €48,709 | €36,731 | €456,866 | €461,782 | €386,622 | ▼ 16.3% |
| Amounts payable after more than one year17 | €37,650 | €11,277 | €377,184 | €331,788 | €290,633 | ▼ 12.4% |
| Financial debts170/4 | - | €11,277 | €373,448 | €328,052 | €286,897 | ▼ 12.5% |
| Other amounts payable178/9 | - | - | €3,736 | €3,736 | €3,736 | = |
| Amounts payable within one year42/48 | €7,797 | €17,565 | €72,288 | €120,153 | €84,732 | ▼ 29.5% |
| Current portion of amounts payable after more than one year42 | - | €6,372 | €46,364 | €92,048 | €61,957 | ▼ 32.7% |
| Trade debts44 | €246 | €32 | €14,087 | €5,552 | €0 | ▼ 100% |
| Suppliers440/4 | - | €32 | €14,087 | €5,552 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €11,162 | €11,837 | €22,554 | €22,775 | ▲ 1.0% |
| Taxes450/3 | - | €8,354 | €7,919 | €17,209 | €17,007 | ▼ 1.2% |
| Remuneration and social security454/9 | - | €2,808 | €3,918 | €5,345 | €5,768 | ▲ 7.9% |
| Accrued charges and deferred income492/3 | - | €7,889 | €7,394 | €9,840 | €11,257 | ▲ 14.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€33,599 | €41,585 | €14,326 | €36,682 | €63,928 | ▲ 74.3% |
| + Depreciation and write-downs630 | €17,292 | €17,062 | €31,563 | €32,133 | €32,693 | ▲ 1.7% |
| Operating cash flow (approximation) | -€16,306 | €58,647 | €45,888 | €68,815 | €96,621 | ▲ 40.4% |
| Investment in fixed assets (approximation) | - | -€2,309 | -€490,674 | -€88,499 | -€3,206 | ▲ 96.4% |
| Change in cash | - | €44,969 | -€26,125 | -€19,007 | €16,591 | ▲ 187% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €63,928 ▲74.3%
Operating result €97,427, net result €63,928, both a record.
31-12
Financial
Equity above €150,000Eq €172,922 ▲58.7%
4 profitable years in a row build equity to €172,922.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €108,993 ▲50.7%
3 profitable years in a row build equity to €108,993.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €41,585
Net result €41,585 after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Limbourg · 1 establishment unit since 2019
Ground area
419 m²
Building footprint
334 m²
Volume, LiDAR
1,661 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JS Assurances
since 20192.294.263.103
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63046A0337/00P000indicative | Wallonia | 339 m² | 1 · 251 m² | 6.2 m · 1 fl. |
| 63046A0217/00E000 | Wallonia | 80 m² | 1 · 83 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 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 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,832 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Not found in the Peppol register
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