NIVELLES ASSURFINANCE 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 €335k and a net result of €-18k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 33 sector peers (fiscal year 2025). The company has been active since 1991 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.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
42 d early
2023
42 d early
2022
67 d early
2021
74 d early
2020
95 d early
2019
71 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€335k▼ 5.0%
2024 · €353k
2019: €399k
2020: €369k
2021: €332k
2022: €311k
2023: €361k
2024: €353k
2019 → 2025
Net result
€-18k▼ 123%
2024 · €-8k
2019: €25k
2020: €-30k
2021: €-37k
2022: €-20k
2023: €49k
2024: €-8k
2019 → 2025
Total assets
€506k▼ 23.5%
2024 · €662k
2019: €800k
2020: €747k
2021: €658k
2022: €586k
2023: €600k
2024: €662k
2019 → 2025
Solvency
66.2%▲ 12.9pp
2024 · 53.3%
2019: 49.9%
2020: 49.4%
2021: 50.4%
2022: 53.2%
2023: 60.1%
2024: 53.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€332k-€311k▼ 6.1%€361k▲ 15.7%€353k▼ 2.2%€335k▼ 5.0%
Operating result€-36k-€-12k▲ 65.2%€61k€3k▼ 95.1%€-9k
Net result€-37k-€-20k▲ 46.0%€49k€-8k€-18k▼ 123%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €506k
Fixed assets
€449k▼ 6.9%
Current assets
€57k▼ 68.2%
Equity and liabilities €506k
Equity
€335k▼ 5.0%
Debt
€171k▼ 44.6%
The debt ratio falls from 46.7% to 33.8%. Equity and debt are lower.
Key figures and ratios
Solvency
66.2%▲
2024 · 53.3%
ROE
-5.3%▼
2024 · -2.3%
ROA
-3.5%▼
2024 · -1.2%
Debt
€171k▼
2024 · €309k
Debt ≤ 1 year
€61k▼
2024 · €163k
Debt > 1 year
€110k▼
2024 · €146k
Income taxes
€1k▲
2024 · €71
Staff costs
€95k▲
2024 · €85k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€662k€506k▼
Fixed assets21/28€483k€449k▼
Tangible fixed assets22/27€483k€449k▼
Land and buildings22€452k€425k▼
Plant, machinery and equipment23€30k€24k▼
Furniture and vehicles24€1k€655▼
Financial fixed assets28€62€62=
Current assets29/58€179k€57k▼
Amounts receivable within one year40/41€120k€14k▼
Trade receivables40€110k-
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€15k-
Deferred charges and accrued income490/1€44k€43k▼
Equity and liabilities
Total equity and liabilities10/49€662k€506k▼
Equity10/15€353k€335k▼
Contributions10/11€19k€19k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€324k€306k▼
Amounts payable17/49€309k€171k▼
Amounts payable after more than one year17€146k€110k▼
Financial debts170/4€146k€110k▼
Amounts payable within one year42/48€163k€61k▼
Current portion of amounts payable after more than one year42€36k€36k=
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€112k€5k▼
Suppliers440/4€112k€5k▼
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€152-
Remuneration and social security454/9€11k€14k▲
Other amounts payable47/48€3k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€85k€95k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€33k▼
Other operating charges640/8€6k€6k▲
Gross operating margin9900€129k€126k▼
Operating profit (loss)9901€3k€-9k▼
Financial income75/76B€0€6▲
Recurring financial income75€0€6▲
Financial charges65/66B€11k€8k▼
Recurring financial charges65€11k€8k▼
Profit (loss) for the period before taxes9903€-8k€-17k▼
Income taxes67/77€71€1k▲
Profit (loss) for the period9904€-8k€-18k▼
Profit (loss) for the period to be appropriated9905€-8k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€324k€306k▼
Profit (loss) brought forward from the previous period14P€332k€324k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (9 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
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
30-06
Financial
Back to profitnet €49k
Net result €49k after 3 loss-making years.
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
18-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
21-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
16-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
22-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Nivelles · 1 establishment unit since 1991
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.
Grand'Place 331400 NivellesGround area
232 m²
Building footprint
182 m²
Volume, LiDAR
2,628 m³
Parcel 25782D0949/00G000, Wallonia · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Nivelles Assurfinance
since 19912.053.957.380
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0949/00G000 | Wallonia | 232 m² | 1 · 182 m² | 17.4 m · 5 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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TDBY INVEST
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CHRISTOPHE DEPORTEMONT
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Of 95 companies in sector 65112 we hold annual accounts for 53. 43 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-04-1991
Fiscal year end30-06
Activities, NACEBEL
65112Insurance, reinsurance and pension funding, except compulsory social security
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.