Summary
NsureX 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 €226,416 and a net result of €26,417. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 493 sector peers (fiscal year 2025). The company has been active since 1983 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 · 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
10 d early
2023
7 d early
2022
13 d early
2021
18 d early
2020
9 d early
2019
11 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 14 days before 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 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#1 oldest company in Lille, Finance and insurance sector
Equity
€226,416▲ 13.2%
2024 · €199,999
Net result
€26,417
2024 · -€1,458
Total assets
€319,320▲ 13.0%
2024 · €282,657
Solvency
70.9%▲ 0.1pp
2024 · 70.8%
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€6,414▼ 69.8%€6,977▲ 8.8%€35,828▲ 414%€5,451▼ 84.8%€43,177▲ 692%
Net result€804below the sector's middle half▼ 92.7%€1,858below the sector's middle half▲ 131%€22,485within the sector's middle half▲ 1,110%-€1,458below the sector's middle half€26,417within the sector's middle half
Equity€177,114within the sector's middle half▲ 0.5%€178,972within the sector's middle half▲ 1.0%€201,457within the sector's middle half▲ 12.6%€199,999within the sector's middle half▼ 0.7%€226,416within the sector's middle half▲ 13.2%
Total assets€287,057below the sector's middle half▼ 1.5%€269,164below the sector's middle half▼ 6.2%€310,827below the sector's middle half▲ 15.5%€282,657below the sector's middle half▼ 9.1%€319,320below the sector's middle half▲ 13.0%
Debt€109,943▼ 4.5%€90,192▼ 18.0%€109,370▲ 21.3%€82,658▼ 24.4%€92,903▲ 12.4%
Working capital€182,587within the sector's middle half▲ 7.9%€188,886within the sector's middle half▲ 3.4%€199,802within the sector's middle half▲ 5.8%€138,430within the sector's middle half▼ 30.7%€188,703within the sector's middle half▲ 36.3%
Solvency61.7%within the sector's middle half▲ 1.2pp66.5%within the sector's middle half▲ 4.8pp64.8%within the sector's middle half▼ 1.7pp70.8%above the sector's middle half▲ 5.9pp70.9%above the sector's middle half▲ 0.1pp
Current ratio3.88above the sector's middle half▼ 0.644.58above the sector's middle half▲ 0.694.23above the sector's middle half▼ 0.354.37above the sector's middle half▲ 0.144.68above the sector's middle half▲ 0.31
Return on assets (ROA)0.3%below the sector's middle half▼ 3.5pp0.7%below the sector's middle half▲ 0.4pp7.2%within the sector's middle half▲ 6.5pp-0.5%below the sector's middle half▼ 7.7pp8.3%within the sector's middle half▲ 8.8pp
Staff (FTE)3.3within the sector's middle half▲ 3.1%3.3within the sector's middle half=3.3within the sector's middle half=3.6within the sector's middle half▲ 9.1%2.8within the sector's middle half▼ 22.2%
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.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 692% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €319,320
Fixed assets
€79,331 ▼ 23.1%
Current assets
€239,989 ▲ 33.7%
Equity and liabilities €319,320
Equity
€226,416 ▲ 13.2%
Debt
€92,903 ▲ 12.4%
Debt's share of the balance-sheet total falls from 29.2% to 29.1%. Equity and debt are higher.
Key figures and ratios
ROE
11.7%▲
2024 · -0.7%
Debt ≤ 1 year
€51,286▲
2024 · €41,063
Debt > 1 year
€12,017▼
2024 · €27,309
Income taxes
€15,638▲
2024 · €5,424
Staff costs
€188,804▼
2024 · €244,174
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 | - | - | €3,000 | €0 | - | - |
| Remuneration, social security and pensions62 | €179,351 | €202,559 | €210,428 | €244,174 | €188,804 | ▼ 22.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42,487 | €18,011 | €14,148 | €18,302 | €27,731 | ▲ 51.5% |
| Other operating charges640/8 | €613 | €715 | €614 | €650 | €647 | ▼ 0.5% |
| Gross operating margin9900 | €228,866 | €228,261 | €261,018 | €268,577 | €260,358 | ▼ 3.1% |
| Operating profit (loss)9901 | €6,414 | €6,977 | €35,828 | €5,451 | €43,177 | ▲ 692% |
| Financial income75/76B | €7 | €135 | €83 | €57 | €0 | ▼ 100% |
| Recurring financial income75 | €7 | €135 | €83 | €57 | €0 | ▼ 100% |
| Financial charges65/66B | €1,821 | €1,469 | €1,871 | €1,542 | €1,122 | ▼ 27.3% |
| Recurring financial charges65 | €1,821 | €1,469 | €1,871 | €1,542 | €1,122 | ▼ 27.3% |
| Profit (loss) for the period before taxes9903 | €4,600 | €5,644 | €34,040 | €3,966 | €42,056 | ▲ 960% |
| Income taxes67/77 | €3,796 | €3,786 | €11,555 | €5,424 | €15,638 | ▲ 188% |
| Profit (loss) for the period9904 | €804 | €1,858 | €22,485 | -€1,458 | €26,417 | ▲ 1,912% |
| Profit (loss) for the period to be appropriated9905 | €804 | €1,858 | €22,485 | -€1,458 | €26,417 | ▲ 1,912% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €287,057 | €269,164 | €310,827 | €282,657 | €319,320 | ▲ 13.0% |
| Fixed assets21/28 | €41,152 | €27,471 | €49,154 | €103,164 | €79,331 | ▼ 23.1% |
| Tangible fixed assets22/27 | €41,152 | €27,471 | €49,154 | €101,664 | €77,831 | ▼ 23.4% |
| Land and buildings22 | €21,145 | €17,270 | €13,344 | €11,576 | €9,807 | ▼ 15.3% |
| Plant, machinery and equipment23 | €5,573 | €3,662 | €5,186 | €2,759 | €4,746 | ▲ 72.0% |
| Furniture and vehicles24 | €14,434 | €6,540 | €30,623 | €83,333 | €59,700 | ▼ 28.4% |
| Other tangible fixed assets26 | - | - | - | €3,996 | €3,578 | ▼ 10.5% |
| Financial fixed assets28 | - | - | - | €1,500 | €1,500 | = |
| Current assets29/58 | €245,905 | €241,693 | €261,673 | €179,493 | €239,989 | ▲ 33.7% |
| Amounts receivable within one year40/41 | €109,151 | €160,838 | €129,785 | €129,492 | €143,138 | ▲ 10.5% |
| Trade receivables40 | €45,367 | €31,810 | €9,842 | €31,445 | €36,598 | ▲ 16.4% |
| Other amounts receivable41 | €63,784 | €129,027 | €119,944 | €98,046 | €106,540 | ▲ 8.7% |
| Current investments50/53 | €20,040 | €23,058 | €25,325 | €34,327 | €49,640 | ▲ 44.6% |
| Cash at bank and in hand54/58 | €107,809 | €54,437 | €75,635 | €1,858 | €38,672 | ▲ 1,982% |
| Deferred charges and accrued income490/1 | €8,904 | €3,360 | €30,928 | €13,816 | €8,540 | ▼ 38.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €287,057 | €269,164 | €310,827 | €282,657 | €319,320 | ▲ 13.0% |
| Equity10/15 | €177,114 | €178,972 | €201,457 | €199,999 | €226,416 | ▲ 13.2% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €115,114 | €116,972 | €139,457 | €137,999 | €164,416 | ▲ 19.1% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | €108,914 | €110,772 | €133,257 | €131,799 | €158,216 | ▲ 20.0% |
| Amounts payable17/49 | €109,943 | €90,192 | €109,370 | €82,658 | €92,903 | ▲ 12.4% |
| Amounts payable after more than one year17 | €46,386 | €34,367 | €42,214 | €27,309 | €12,017 | ▼ 56.0% |
| Financial debts170/4 | €46,386 | €34,367 | €42,214 | €27,309 | €12,017 | ▼ 56.0% |
| Amounts payable within one year42/48 | €63,317 | €52,806 | €61,871 | €41,063 | €51,286 | ▲ 24.9% |
| Current portion of amounts payable after more than one year42 | €19,186 | €12,019 | €14,953 | €14,905 | €15,291 | ▲ 2.6% |
| Trade debts44 | €12,101 | €4,913 | €6,231 | €6,318 | €10,302 | ▲ 63.1% |
| Suppliers440/4 | €12,101 | €4,913 | €6,231 | €6,318 | €10,302 | ▲ 63.1% |
| Taxes, remuneration and social security45 | €27,754 | €34,675 | €40,687 | €19,840 | €25,693 | ▲ 29.5% |
| Taxes450/3 | €4,450 | €5,586 | €11,965 | €424 | €5,638 | ▲ 1,229% |
| Remuneration and social security454/9 | €23,304 | €29,088 | €28,721 | €19,416 | €20,055 | ▲ 3.3% |
| Other amounts payable47/48 | €4,275 | €1,200 | - | - | - | - |
| Accrued charges and deferred income492/3 | €240 | €3,018 | €5,285 | €14,287 | €29,600 | ▲ 107% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €804 | €1,858 | €22,485 | -€1,458 | €26,417 | ▲ 1,912% |
| + Depreciation and write-downs630 | €42,487 | €18,011 | €14,148 | €18,302 | €27,731 | ▲ 51.5% |
| Operating cash flow (approximation) | €43,292 | €19,869 | €36,633 | €16,844 | €54,148 | ▲ 221% |
| Investment in fixed assets (approximation) | - | -€4,330 | -€35,830 | -€72,313 | -€3,897 | ▲ 94.6% |
| Change in cash | - | -€53,372 | €21,198 | -€73,777 | €36,814 | ▲ 150% |
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €26,417
Net result €26,417 after one loss-making year.
31-12
Financial
Equity above €200,000Eq €226,416 ▲13.2%
Equity rises from €199,999 to €226,416.
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet -€1,458
Net result drops to -€1,458, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200,000Eq €201,457 ▲12.6%
6 profitable years in a row build equity to €201,457.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Lille · 1 establishment unit since 1983
Ground area
606 m²
Building footprint
288 m²
Volume, LiDAR
1,880 m³
Parcel 13019E0736/00P000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kerkstraat 35, 2275 Lille
since 19832.021.753.875
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13019E0736/00P000 | Flanders | 606 m² | 1 · 288 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 1 holdingChain of control
- Zakenkantoor Henderickx
- NsureX
Highest known parent: Zakenkantoor Henderickx. The sources do not say who stands above it.
Owners 1
-
100%
Holdings 1
-
50%
According to the 2025 annual accounts of NsureX and those 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 186 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 186 EUR | 0 EUR |
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,801 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-01-1983
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0423947705
Also
9925:BE0423947705
Registered
27-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.