OFAC + 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 €213k and a net result of €-68k. Equity is shrinking by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 1475 sector peers (fiscal year 2025). The company has been active since 1987 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
61 d late
2022
31 d late
2021
21 d late
2020
47 d late
2019
31 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€213k▼ 24.1%
2024 · €281k
2018: €549k
2019: €628k
2020: €721k
2021: €329k
2022: €348k
2023: €296k
2024: €281k
2018 → 2025
Net result
€-68k
2024 · €185k
2018: €31k
2019: €79k
2020: €93k
2021: €-392k
2022: €20k
2023: €148k
2024: €185k
2018 → 2025
Total assets
€639k▼ 62.8%
2024 · €1.72M
2018: €1.88M
2019: €1.80M
2020: €1.99M
2021: €1.40M
2022: €1.14M
2023: €1.32M
2024: €1.72M
2018 → 2025
Solvency
33.4%▲ 17.0pp
2024 · 16.4%
2018: 29.2%
2019: 34.8%
2020: 36.2%
2021: 23.5%
2022: 30.6%
2023: 22.5%
2024: 16.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3.08M-€2.60M▼ 15.5%€2.89M▲ 11.1%€3.06M▲ 5.9%€2.97M▼ 2.9%
Equity€329k-€348k▲ 6.0%€296k▼ 14.9%€281k▼ 5.2%€213k▼ 24.1%
Operating result€47k-€65k▲ 38.9%€238k▲ 267%€299k▲ 25.6%€-61k
Net result€-392k-€20k€148k▲ 647%€185k▲ 24.7%€-68k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €61k after €299k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €639k
Fixed assets
€342k▼ 17.7%
Current assets
€297k▼ 77.2%
Equity and liabilities €639k
Equity
€213k▼ 24.1%
Debt
€426k▼ 70.4%
The debt ratio falls from 83.6% to 66.6%. Equity and debt are lower.
Key figures and ratios
Solvency
33.4%▲
2024 · 16.4%
ROE
-31.8%▼
2024 · 65.7%
ROA
-10.6%▼
2024 · 10.7%
Debt
€426k▼
2024 · €1.44M
Debt ≤ 1 year
€379k▼
2024 · €1.37M
Debt > 1 year
€47k▼
2024 · €66k
Income taxes
€8k▼
2024 · €102k
Staff costs
€1.11M▲
2024 · €943k
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€1.72M€639k▼
Fixed assets21/28€416k€342k▼
Intangible fixed assets21-€196k
Tangible fixed assets22/27€130k€146k▲
Plant, machinery and equipment23€57k€50k▼
Furniture and vehicles24€73k€96k▲
Other tangible fixed assets26€890€0▼
Financial fixed assets28€285k€0▼
Current assets29/58€1.30M€297k▼
Amounts receivable within one year40/41€630k€162k▼
Trade receivables40€291k€160k▼
Other amounts receivable41€340k€1k▼
Cash at bank and in hand54/58€661k€124k▼
Deferred charges and accrued income490/1€12k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.72M€639k▼
Equity10/15€281k€213k▼
Contributions10/11€19k€19k=
Reserves13€20k€20k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€243k€175k▼
Amounts payable17/49€1.44M€426k▼
Amounts payable after more than one year17€66k€47k▼
Financial debts170/4€66k€47k▼
Amounts payable within one year42/48€1.37M€379k▼
Current portion of amounts payable after more than one year42€218k€89k▼
Trade debts44€68k€41▼
Suppliers440/4€68k€41▼
Taxes, remuneration and social security45€108k€153k▲
Taxes450/3€2k€9k▲
Remuneration and social security454/9€106k€144k▲
Other amounts payable47/48€979k€136k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Turnover70€3.06M€2.97M▼
Goods, raw materials, services and sundry goods60/61€1.79M€1.73M▼
Remuneration, social security and pensions62€943k€1.11M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€78k▲
Other operating charges640/8€8k€12k▲
Non-recurring operating charges66A-€184k
Gross operating margin9900€1.32M€1.33M▲
Operating profit (loss)9901€299k€-61k▼
Financial income75/76B€4€12k▲
Recurring financial income75€4€12k▲
Financial charges65/66B€13k€11k▼
Recurring financial charges65€13k€11k▼
Profit (loss) for the period before taxes9903€286k€-60k▼
Income taxes67/77€102k€8k▼
Profit (loss) for the period9904€185k€-68k▼
Profit (loss) for the period to be appropriated9905€185k€-68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€443k€175k▼
Profit (loss) brought forward from the previous period14P€258k€243k▼
Profit to be distributed694/7€200k€0▼
Return on contributions (dividend)694€200k€0▼
The notes to these accounts (24 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €185k ▲24.7%
Operating result €299k, net result €185k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 21 days late
2021
31-12
Financial
Weakest financial yearnet €-392k ▼522%
Net result drops to €-392k, the lowest in the series; recovery starts the following year.
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 47 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
2017
06-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 37 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Arlon · 3 establishment units since 1988
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.
Rue de l'Hydrion 1136700 ArlonGround area
3,149 m²
Building footprint
754 m²
Volume, LiDAR
1,407 m³
2 parcels, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
Ofac+ Assurances Arlon
since 19882.033.315.780
OFAC + Assurances Namur
since 20082.172.922.833
OFAC + Assurances LIBRAMONT
since 20172.266.407.869
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81001A1710/00P000 | Wallonia | 1,944 m² | 1 · 634 m² | - |
| 92039B0012/00Y000 | Wallonia | 1,205 m² | 1 · 120 m² | 13.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,809 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-1987
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:anne-marie.toussaint@ofac.be
Phone:061/53.52.51