PASCAL BOLLEN ASSURANCES
ActivePASCAL BOLLEN ASSURANCES has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.92M and a net result of €-71k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-86
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 27.0 against 41.34 in 2024; short-term debt: 2.8% and cash: 18.7% of total assets), and 3.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
96.3%
Return on assets
-3.6%
Age of the figures
9 mo
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 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
7 d late
2023
31 d late
2022
9 d early
2021
14 d late
2020
19 d late
2019
4 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.92M▼ 5.1%
2024 · €2.02M
2018: €877k
2019: €966k
2020: €1.23M
2021: €1.32M
2022: €1.44M
2023: €1.51M
2024: €2.02M
2018 → 2025
Total assets
€1.99M▼ 4.1%
2024 · €2.08M
2018: €1.14M
2019: €1.23M
2020: €1.24M
2021: €1.33M
2022: €1.47M
2023: €1.54M
2024: €2.08M
2018 → 2025
Net result
€-71k
2024 · €539k
2018: €-22k
2019: €121k
2020: €301k
2021: €125k
2022: €145k
2023: €109k
2024: €539k
2018 → 2025
Working capital
€1.44M▼ 3.8%
2024 · €1.50M
2018: €811k
2019: €873k
2020: €907k
2021: €1.02M
2022: €1.16M
2023: €829k
2024: €1.50M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.32M-€1.44M▲ 8.4%€1.51M▲ 5.4%€2.02M▲ 33.5%€1.92M▼ 5.1%
Operating result€162k-€202k▲ 24.4%€145k▼ 28.5%€689k▲ 376%€-107k
Net result€125k-€145k▲ 16.4%€109k▼ 24.8%€539k▲ 394%€-71k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €107k after €689k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.99M
Fixed assets
€493k▼ 8.8%
Current assets
€1.50M▼ 2.5%
Equity and liabilities €1.99M
Equity
€1.92M▼ 5.1%
Provisions
€18k▼ 5.3%
Debt
€55k▲ 46.8%
The debt ratio rises from 1.8% to 2.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-59k▼
2024 · €735k
Cash flow
€-23k▼
2024 · €585k
Solvency
96.3%▼
2024 · 97.3%
Current ratio
27.00▼
2024 · 41.34
Quick ratio
27.00▼
2024 · 41.34
Debt / equity
0.03▲
2024 · 0.02
ROE
-3.7%▼
2024 · 26.7%
ROA
-3.6%▼
2024 · 25.9%
Interest coverage
-131.04▼
2024 · 266.60
Debt
€55k▲
2024 · €38k
Debt ≤ 1 year
€55k▲
2024 · €37k
Staff costs
€16k▼
2024 · €27k
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€2.08M€1.99M▼
Fixed assets21/28€541k€493k▼
Tangible fixed assets22/27€541k€493k▼
Land and buildings22€483k€456k▼
Furniture and vehicles24€58k€37k▼
Current assets29/58€1.54M€1.50M▼
Amounts receivable within one year40/41€20k€28k▲
Other amounts receivable41€20k€28k▲
Current investments50/53€1.34M€1.10M▼
Cash at bank and in hand54/58€175k€373k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€2.08M€1.99M▼
Equity10/15€2.02M€1.92M▼
Contributions10/11€250k€250k=
Reserves13€271k€268k▼
Non-distributable reserves130/1€16k€16k=
Reserves not available under the articles1311€16k€16k=
Tax-exempt reserves132€57k€54k▼
Distributable reserves133€198k€198k=
Profit (loss) carried forward14€1.50M€1.40M▼
Provisions and deferred taxes16€19k€18k▼
Deferred taxes168€19k€18k▼
Amounts payable17/49€38k€55k▲
Amounts payable within one year42/48€37k€55k▲
Trade debts44€6k€998▼
Suppliers440/4€6k€998▼
Taxes, remuneration and social security45€2k€4k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€29k€51k▲
Accrued charges and deferred income492/3€641-
Income statement
Code20242025
Remuneration, social security and pensions62€27k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€48k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€767k€-41k▼
Operating profit (loss)9901€689k€-107k▼
Financial income75/76B€25k€36k▲
Recurring financial income75€25k€36k▲
Financial charges65/66B€3k€452▼
Recurring financial charges65€3k€452▼
Profit (loss) for the period before taxes9903€711k€-72k▼
Transfer from deferred taxes780€1k€1k=
Transfer to deferred taxes680€20k-
Income taxes67/77€153k-
Profit (loss) for the period9904€539k€-71k▼
Transfer from tax-exempt reserves789€3k€3k=
Transfer to tax-exempt reserves689€60k-
Profit (loss) for the period to be appropriated9905€482k€-68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.53M€1.43M▼
Profit (loss) brought forward from the previous period14P€1.05M€1.50M▲
Profit to be distributed694/7€32k€32k=
Return on contributions (dividend)694€32k€32k=
The notes to these accounts (4 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-71k ▼113%
Net result drops to €-71k, the lowest in the series.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Highest result since 2018net €539k ▲394%
Operating result €689k, net result €539k, both a record.
31-12
Financial
Equity above €2MEq €2.02M ▲33.5%
6 profitable years in a row build equity to €2.02M.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
22-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 14 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Equity above €1MEq €1.23M ▲27.4%
2 profitable years in a row build equity to €1.23M.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €121k
Net result €121k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Neupré · 1 establishment unit since 2006
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 Machette(N) 44121 NeupréGround area
1,162 m²
Building footprint
228 m²
Volume, LiDAR
1,438 m³
2 parcels, Wallonia · tallest building 8.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PASCAL BOLLEN ASSURANCES
since 20062.152.328.050
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61044C0051/00K000 | Wallonia | 1,065 m² | 1 · 133 m² | 7.0 m · 2 fl. |
| 62353D0247/00H014 | Wallonia | 97 m² | 1 · 94 m² | 8.7 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400NONPJNVBPWC438
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Of 3,765 companies in sector 68321 we hold annual accounts for 1,390. 666 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2006
Fiscal year end31-12
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.