Summary
MALENGRET ASSURANCES 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 €185k and a net result of €317k. Equity is growing by ~55.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 1475 sector peers (fiscal year 2025). The company has been active since 1988 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 check 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 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
29 d early
2023
21 d early
2022
33 d early
2021
34 d early
2020
33 d early
2019
32 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€185k▲ 170%
2024 · €69k
2019: €18k
2020: €922
2021: €20k
2022: €28k
2023: €44k
2024: €69k
2019 → 2025
Net result
€317k▲ 1,178%
2024 · €25k
2019: €20k
2020: €-17k
2021: €19k
2022: €8k
2023: €16k
2024: €25k
2019 → 2025
Total assets
€432k▲ 186%
2024 · €151k
2019: €35k
2020: €35k
2021: €46k
2022: €146k
2023: €158k
2024: €151k
2019 → 2025
Solvency
43.0%▼ 2.6pp
2024 · 45.5%
2019: 50.4%
2020: 2.6%
2021: 43.6%
2022: 19.4%
2023: 27.8%
2024: 45.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€28k▲ 39.9%€44k▲ 55.0%€69k▲ 56.5%€185k▲ 170%
Operating result€20k-€9k▼ 55.6%€18k▲ 107%€26k▲ 44.4%€338k▲ 1,184%
Net result€19k-€8k▼ 58.2%€16k▲ 92.9%€25k▲ 59.2%€317k▲ 1,178%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1,184% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €432k
Fixed assets
€55k ▲ 0.8%
Current assets
€377k ▲ 290%
Equity and liabilities €432k
Equity
€185k ▲ 170%
Debt
€246k ▲ 200%
Debt's share of the balance-sheet total rises from 54.5% to 57.0%. Equity and debt are higher.
Key figures and ratios
ROE
170.8%▲
2024 · 36.1%
ROA
73.4%▲
2024 · 16.4%
Debt ≤ 1 year
€244k▲
2024 · €66k
Debt > 1 year
€2k▼
2024 · €16k
Income taxes
€20k
Staff costs
€40k▼
2024 · €43k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€151k€432k▲
Fixed assets21/28€54k€55k▲
Tangible fixed assets22/27€54k€54k▲
Land and buildings22-€3k
Plant, machinery and equipment23€19k€16k▼
Furniture and vehicles24€35k€35k▼
Financial fixed assets28€265€265=
Current assets29/58€97k€377k▲
Amounts receivable within one year40/41€50k€130k▲
Trade receivables40€79€22k▲
Other amounts receivable41€50k€108k▲
Cash at bank and in hand54/58€46k€247k▲
Equity and liabilities
Total equity and liabilities10/49€151k€432k▲
Equity10/15€69k€185k▲
Contributions10/11€22k€22k=
Capital10€22k€22k=
Issued capital100€22k€22k=
Profit (loss) carried forward14€47k€164k▲
Amounts payable17/49€82k€246k▲
Amounts payable after more than one year17€16k€2k▼
Financial debts170/4€16k€2k▼
Amounts payable within one year42/48€66k€244k▲
Current portion of amounts payable after more than one year42€34k€14k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€4k€35k▲
Remuneration and social security454/9€4k€35k▲
Other amounts payable47/48€26k€194k▲
Income statement
Code20242025
Remuneration, social security and pensions62€43k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€22k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€105k€401k▲
Operating profit (loss)9901€26k€338k▲
Financial income75/76B-€180
Recurring financial income75-€180
Financial charges65/66B€2k€890▼
Recurring financial charges65€2k€890▼
Profit (loss) for the period before taxes9903€25k€337k▲
Income taxes67/77-€20k
Profit (loss) for the period9904€25k€317k▲
Profit (loss) for the period to be appropriated9905€25k€317k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€364k▲
Profit (loss) brought forward from the previous period14P€22k€47k▲
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €317k ▲1,178%
Operating result €338k, net result €317k, both a record.
31-12
Financial
Equity above €150kEq €185k ▲170%
5 profitable years in a row build equity to €185k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 1.05
Current ratio from 0.12 to 1.05; short-term debt falls from €34k to €26k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Morlanwelz · 1 establishment unit since 1988
Ground area
877 m²
Building footprint
188 m²
Volume, LiDAR
700 m³
Parcel 56057A0324/00P041, Wallonia · tallest building 4.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MALENGRET ASSURANCES SRL
since 19882.037.522.810
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56057A0324/00P041 | Wallonia | 877 m² | 1 · 188 m² | 4.6 m · 1 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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Algemeen Verzekeringsagentschap
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Consultant MD
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Of 4,677 companies in sector 66220 we hold annual accounts for 3,221. 2,830 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
Founded02-03-1988
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.