Loc-Assur 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 €9k and a net result of €5k. Its solvency ranks better than 77% of 13936 sector peers (fiscal year 2025). The company has been active since 2024 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
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 1 filingDeviation from the deadline
2025
2 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€9k
Net result
€5k
Total assets
€14k
Solvency
67.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €14k
Equity
€9k
Debt
€5k
Debt finances 32.4% of the balance-sheet total.
Key figures and ratios
Solvency
67.6%
ROE
57.6%
ROA
38.9%
Debt
€5k
Debt ≤ 1 year
€5k
Income taxes
€2k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€14k
Current assets29/58€14k
Amounts receivable within one year40/41€7k
Trade receivables40€7k
Cash at bank and in hand54/58€7k
Equity and liabilities
Total equity and liabilities10/49€14k
Equity10/15€9k
Contributions10/11€4k
Reserves13€5k
Distributable reserves133€5k
Profit (loss) carried forward14€1
Amounts payable17/49€5k
Amounts payable within one year42/48€5k
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Other amounts payable47/48€105
Income statement
Code2025
Other operating charges640/8€814
Non-recurring operating charges66A€2k
Gross operating margin9900€10k
Operating profit (loss)9901€8k
Financial income75/76B€216
Recurring financial income75€216
Financial charges65/66B€143
Recurring financial charges65€143
Profit (loss) for the period before taxes9903€8k
Income taxes67/77€2k
Profit (loss) for the period9904€5k
Profit (loss) for the period to be appropriated9905€5k
Appropriation of the result
Profit (loss) to be appropriated9906€5k
Transfer to equity691/2€5k
To other reserves6921€5k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2024
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.
Chaussée Impériale 1516060 CharleroiGround area
371 m²
Building footprint
55 m²
Volume, LiDAR
516 m³
Parcel 52026D0519/00A005, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Loc-Assur
since 20242.356.041.611
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52026D0519/00A005 | Wallonia | 371 m² | 1 · 55 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 980 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2024
Fiscal year end30-06
Activities, NACEBEL
66220Insurance agents and brokers
68310Real estate agency activities
68311Real estate activities
82910Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.