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MICHEL SCHMIT ASSURANCES

Active
Private limited companyfounded 2000active for 25 yearsLibramont,Rue des Mésanges 16, 6800 Libramont-Chevigny, BelgiumKBO/BCE: BE 0473.276.757
Summary

MICHEL SCHMIT ASSURANCES is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. For MICHEL SCHMIT ASSURANCES, one annual filing is missing. The 2024 annual accounts show negative equity (-€65,788) and a net result of €8,175. Equity has been growing by about 4.6% per year since 2018. Its solvency ranks better than 5% of 3,243 sector peers (NACE 66, financial year 2024). The company has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals.

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MICHEL SCHMIT ASSURANCESActive
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Overview

Official details

Source: KBO
Status
Active since 14-11-2000 Normal situation
Activity
Insurance agents and brokers NACE 66220
Establishment unit
2.098.277.769 6800 Libramont-Chevigny, since 06-08-2001
Financial year end
31 December
Peppol
Not found in the Peppol Directory
Company details

Board and ownership

Board
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2024
Profit
€8,175
▲ 37.4%
Equity
-€65,788
▲ 11.1%
Total assets
€100,921
▼ 18.2%
Employees on 31-12-2024
1
=
  • Negative equity on 31-12-2024
  • 2025 accounts not filed, 94 days past the deadline
Financials
Signalsraises riskWeak solvency compared with the sectorAnnual accounts not filed2024 accounts filed 183 days lateShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Filing: One annual filing is missing
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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Signals

Three signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3243 sector peers (2024).
NBB · sector comparison
Position among 3243 sector peers
Solvency
better than 5%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 94 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline02-11-2026 today
raises risk · 2024 accounts filed 183 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-01-2026, 183 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
183 days late
2023
61 days late
2022
60 days late
2021
92 days late
2020
31 days late
2019
92 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 87 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2024 -€65,788 View
  • Caution: Lower solvency than 95% of companies in auxiliary financial servicessector median 49.5% · 3,243 companies -65.2% View

Recent changes

  1. · Gazette deed Company renamed from SPRL MICHEL SCHMIT ASSURANCES to MICHEL SCHMIT ASSURANCESChanges of role: SCHMIT Michel (director) and WASTIAUX Isabelle (director)
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as MICHEL SCHMIT ASSURANCES: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €92,000 and €120,000, founded between 1997 and 2003.

CompanyTotal assetsGross margin
MICHEL SCHMIT ASSURANCES Libramont-Chevigny€100,921€79,729
Patrice TIMMERS Visé€113,449€82,625
SEGUROS Beersel€105,036€94,612
PATRICK ROBERT Charleroi€119,850€79,251
Verzekeringen Luc Thys & Joris Vos Meerhout€110,184€96,619
Jean Dethise Houyet€91,951€91,010
ROMAN Jean-Luc Saint-Ghislain€111,937€72,632
Full comparison

Key facts about MICHEL SCHMIT ASSURANCES
What is the company number of MICHEL SCHMIT ASSURANCES?
The company number of MICHEL SCHMIT ASSURANCES is 0473.276.757. The VAT number is the same number with BE in front: BE 0473.276.757.
Where is MICHEL SCHMIT ASSURANCES based?
The registered office is at Libramont,Rue des Mésanges 16, 6800 Libramont-Chevigny.Company details
What does MICHEL SCHMIT ASSURANCES do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of MICHEL SCHMIT ASSURANCES?
The legal form of MICHEL SCHMIT ASSURANCES is Private limited company (BV).
When was MICHEL SCHMIT ASSURANCES founded?
MICHEL SCHMIT ASSURANCES was founded on 14-11-2000.
Is MICHEL SCHMIT ASSURANCES still active?
Yes, MICHEL SCHMIT ASSURANCES is an active enterprise in the KBO register.
How many employees does MICHEL SCHMIT ASSURANCES have?
MICHEL SCHMIT ASSURANCES had an average of 1 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
What is the turnover of MICHEL SCHMIT ASSURANCES?
The turnover in financial year 2024 is ≈ €240,000. This figure is estimated from the gross margin of €79,729 and 2,672 comparable companies of the same size. It probably lies between €160,000 and €410,000. It is a rough estimate.
Is MICHEL SCHMIT ASSURANCES profitable?
In financial year 2024, MICHEL SCHMIT ASSURANCES made a profit of €8,175.
Where can I find the annual accounts of MICHEL SCHMIT ASSURANCES?
MICHEL SCHMIT ASSURANCES filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

Next steps

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