Summary
LAGASSURANCES 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 €266,459 and a net result of €60,111. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 2463 sector peers (fiscal year 2025). The company has been active since 2002 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
14 d late
2023
26 d late
2022
7 d early
2021
18 d late
2020
26 d late
2019
9 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 13 days after 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 (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 18 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€266,459▲ 7.3%
2024 · €248,348
Net result
€60,111▼ 9.4%
2024 · €66,370
Total assets
€685,100▼ 10.6%
2024 · €766,623
Solvency
38.9%▲ 6.5pp
2024 · 32.4%
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
Line20212022202320242025
Operating result€44,923▲ 53.4%€20,760▼ 53.8%€112,013▲ 440%€117,485▲ 4.9%€113,710▼ 3.2%
Net result€15,043within the sector's middle half▲ 3,170%-€3,355below the sector's middle half€64,391within the sector's middle half€66,370within the sector's middle half▲ 3.1%€60,111within the sector's middle half▼ 9.4%
Equity€192,941within the sector's middle half▲ 8.5%€189,586within the sector's middle half▼ 1.7%€236,978within the sector's middle half▲ 25.0%€248,348within the sector's middle half▲ 4.8%€266,459within the sector's middle half▲ 7.3%
Total assets€737,889above the sector's middle half▼ 6.5%€646,326within the sector's middle half▼ 12.4%€652,967within the sector's middle half▲ 1.0%€766,623above the sector's middle half▲ 17.4%€685,100within the sector's middle half▼ 10.6%
Debt€511,479▼ 11.1%€425,751▼ 16.8%€387,080▼ 9.1%€491,446▲ 27.0%€393,891▼ 19.9%
Working capital-€77,168below the sector's middle half▲ 20.3%-€64,890below the sector's middle half▲ 15.9%€11,477within the sector's middle half€57,282within the sector's middle half▲ 399%€102,971within the sector's middle half▲ 79.8%
Solvency26.1%within the sector's middle half▲ 3.6pp29.3%within the sector's middle half▲ 3.2pp36.3%within the sector's middle half▲ 7.0pp32.4%within the sector's middle half▼ 3.9pp38.9%within the sector's middle half▲ 6.5pp
Current ratio0.52below the sector's middle half▲ 0.180.49below the sector's middle half▼ 0.041.10within the sector's middle half▲ 0.621.31within the sector's middle half▲ 0.201.83within the sector's middle half▲ 0.52
Return on assets (ROA)2.0%within the sector's middle half▲ 2.0pp-0.5%below the sector's middle half▼ 2.6pp9.9%within the sector's middle half▲ 10.4pp8.7%within the sector's middle half▼ 1.2pp8.8%within the sector's middle half▲ 0.1pp
Staff (FTE)1▼ 44.4%1.9▲ 90.0%2▲ 5.3%2.5▲ 25.0%2.8▲ 12.0%
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
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €685,100
Fixed assets
€458,376 ▼ 12.4%
Current assets
€226,724 ▼ 6.8%
Equity and liabilities €685,100
Equity
€266,459 ▲ 7.3%
Provisions
€24,749 ▼ 7.8%
Debt
€393,891 ▼ 19.9%
Debt's share of the balance-sheet total falls from 64.1% to 57.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
22.6%▼
2024 · 26.7%
Debt ≤ 1 year
€123,753▼
2024 · €186,059
Debt > 1 year
€270,139▼
2024 · €305,387
Income taxes
€42,993▲
2024 · €38,659
Staff costs
€148,640▲
2024 · €130,404
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €7,000 | - | - | - |
| Remuneration, social security and pensions62 | €43,440 | €91,719 | €105,294 | €130,404 | €148,640 | ▲ 14.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €89,618 | €73,749 | €68,468 | €70,116 | €76,270 | ▲ 8.8% |
| Other operating charges640/8 | €4,800 | €5,614 | €9,070 | €5,749 | €6,084 | ▲ 5.8% |
| Non-recurring operating charges66A | €600 | - | €49 | - | €267 | - |
| Gross operating margin9900 | €183,380 | €191,843 | €294,894 | €323,754 | €344,972 | ▲ 6.6% |
| Operating profit (loss)9901 | €44,923 | €20,760 | €112,013 | €117,485 | €113,710 | ▼ 3.2% |
| Financial income75/76B | €5 | €184 | €160 | €385 | €623 | ▲ 61.8% |
| Recurring financial income75 | €5 | €184 | €160 | €385 | €623 | ▲ 61.8% |
| Financial charges65/66B | €12,744 | €11,539 | €12,860 | €14,920 | €13,310 | ▼ 10.8% |
| Recurring financial charges65 | €12,744 | €11,539 | €12,860 | €14,920 | €13,310 | ▼ 10.8% |
| Profit (loss) for the period before taxes9903 | €32,184 | €9,406 | €99,314 | €102,950 | €101,024 | ▼ 1.9% |
| Transfer from deferred taxes780 | €2,480 | €2,480 | €2,080 | €2,080 | €2,080 | = |
| Income taxes67/77 | €19,620 | €15,241 | €37,002 | €38,659 | €42,993 | ▲ 11.2% |
| Profit (loss) for the period9904 | €15,043 | -€3,355 | €64,391 | €66,370 | €60,111 | ▼ 9.4% |
| Transfer from tax-exempt reserves789 | €5,505 | €5,505 | €4,588 | €4,588 | €4,588 | = |
| Transfer to tax-exempt reserves689 | - | - | €6,300 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €20,549 | €2,150 | €62,679 | €70,958 | €64,699 | ▼ 8.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €737,889 | €646,326 | €652,967 | €766,623 | €685,100 | ▼ 10.6% |
| Fixed assets21/28 | €653,473 | €584,679 | €532,056 | €523,282 | €458,376 | ▼ 12.4% |
| Intangible fixed assets21 | €192,461 | €153,673 | €115,255 | €76,836 | €38,418 | ▼ 50.0% |
| Tangible fixed assets22/27 | €459,858 | €429,853 | €415,648 | €445,292 | €418,804 | ▼ 5.9% |
| Land and buildings22 | €149,141 | €147,509 | €144,786 | €136,885 | €128,985 | ▼ 5.8% |
| Plant, machinery and equipment23 | €303,777 | €282,343 | €266,350 | €305,005 | €287,528 | ▼ 5.7% |
| Furniture and vehicles24 | €6,940 | - | €4,513 | €3,402 | €2,291 | ▼ 32.6% |
| Financial fixed assets28 | €1,154 | €1,154 | €1,154 | €1,154 | €1,154 | = |
| Current assets29/58 | €84,416 | €61,647 | €120,910 | €243,341 | €226,724 | ▼ 6.8% |
| Amounts receivable within one year40/41 | €29,454 | €31,485 | €52,258 | €103,169 | €34,366 | ▼ 66.7% |
| Trade receivables40 | €29,454 | €30,485 | €36,258 | €34,073 | €34,366 | ▲ 0.9% |
| Other amounts receivable41 | - | €1,000 | €16,000 | €69,096 | - | - |
| Current investments50/53 | - | - | - | - | €25,000 | - |
| Cash at bank and in hand54/58 | €49,631 | €26,984 | €64,853 | €136,338 | €165,036 | ▲ 21.0% |
| Deferred charges and accrued income490/1 | €5,331 | €3,178 | €3,799 | €3,834 | €2,321 | ▼ 39.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €737,889 | €646,326 | €652,967 | €766,623 | €685,100 | ▼ 10.6% |
| Equity10/15 | €192,941 | €189,586 | €236,978 | €248,348 | €266,459 | ▲ 7.3% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €164,183 | €158,677 | €160,389 | €155,802 | €151,214 | ▼ 2.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | €75,229 | €69,724 | €71,436 | €66,848 | €62,260 | ▼ 6.9% |
| Distributable reserves133 | €87,093 | €87,093 | €87,093 | €87,093 | €87,093 | = |
| Profit (loss) carried forward14 | €22,559 | €24,709 | €70,388 | €86,347 | €109,045 | ▲ 26.3% |
| Provisions and deferred taxes16 | €33,469 | €30,989 | €28,909 | €26,829 | €24,749 | ▼ 7.8% |
| Deferred taxes168 | €33,469 | €30,989 | €28,909 | €26,829 | €24,749 | ▼ 7.8% |
| Amounts payable17/49 | €511,479 | €425,751 | €387,080 | €491,446 | €393,891 | ▼ 19.9% |
| Amounts payable after more than one year17 | €349,895 | €299,214 | €277,647 | €305,387 | €270,139 | ▼ 11.5% |
| Financial debts170/4 | €264,895 | €234,214 | €212,647 | €240,387 | €205,139 | ▼ 14.7% |
| Other amounts payable178/9 | €85,000 | €65,000 | €65,000 | €65,000 | €65,000 | = |
| Amounts payable within one year42/48 | €161,584 | €126,537 | €109,433 | €186,059 | €123,753 | ▼ 33.5% |
| Current portion of amounts payable after more than one year42 | €77,511 | €33,534 | €26,114 | €31,833 | €33,949 | ▲ 6.6% |
| Trade debts44 | €33,968 | €25,470 | €18,787 | €28,830 | €22,710 | ▼ 21.2% |
| Suppliers440/4 | €33,968 | €25,470 | €18,787 | €28,830 | €22,710 | ▼ 21.2% |
| Taxes, remuneration and social security45 | €16,743 | €11,983 | €20,406 | €23,835 | €27,336 | ▲ 14.7% |
| Taxes450/3 | €12,169 | €2,282 | €8,715 | €8,003 | €10,752 | ▲ 34.4% |
| Remuneration and social security454/9 | €4,574 | €9,701 | €11,691 | €15,832 | €16,583 | ▲ 4.7% |
| Other amounts payable47/48 | €33,362 | €55,551 | €44,126 | €101,560 | €39,758 | ▼ 60.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,043 | -€3,355 | €64,391 | €66,370 | €60,111 | ▼ 9.4% |
| + Depreciation and write-downs630 | €89,618 | €73,749 | €68,468 | €70,116 | €76,270 | ▲ 8.8% |
| Operating cash flow (approximation) | €104,661 | €70,394 | €132,859 | €136,487 | €136,381 | ▼ 0.1% |
| Investment in fixed assets (approximation) | - | -€4,956 | -€15,845 | -€61,342 | -€11,363 | ▲ 81.5% |
| Change in cash | - | -€22,647 | €37,870 | €71,485 | €28,698 | ▼ 59.9% |
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
Next filing, fiscal year 2026, expected by
2026
17-09
State Gazette act
Resignation: Daniel Lagasse (director)2 facts ▸
State Gazette act
Resignation: Daniel Lagasse (director)
2 facts ▸
- General meeting, 04-09-2026
- Director resignation, Daniel Lagasse (director)
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Highest result since 2018net €66,370 ▲3.1%
Operating result €117,485, net result €66,370, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €64,391
Net result €64,391 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.10
Current ratio from 0.49 to 1.10; short-term debt falls from €126,537 to €109,433.
31-12
Financial
Equity above €200,000Eq €236,978 ▲25%
Equity rises from €189,586 to €236,978.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €460
Net result €460 after one loss-making year.
Show earlier events
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet -€10,304
Net result drops to -€10,304, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Saint-Hubert · 2 establishment units since 2002
Ground area
1,474 m²
Building footprint
95 m²
Volume, LiDAR
838 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Place du Fays 8, 6870 Saint-Hubert
since 20022.114.953.059
BORQ'ASSUR - FRENET
since 20242.365.397.854
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82010E1603/00R000 | Wallonia | 1,336 m² | - | - |
| 84059A0834/00M000 | Wallonia | 138 m² | 1 · 95 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Daniel Lagasse |
|
Structure & network
Owners and holdings
1 ownerChain of control
- ML Invest Holding
- LAGASSURANCES
Highest known parent: ML Invest Holding. The sources do not say who stands above it.
Owners 1
- ML Invest Holdingparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,765 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
Founded26-02-2002
Fiscal year end31-12
Trade name FR
BORQ’ASSUR
Activities, NACEBEL 2025
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Contact
E-mail
info@borqassur.be
E-invoicing
Not found in the Peppol register
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.