Pro-Active Insurance 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 €344k and a net result of €155k. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 8013 sector peers (fiscal year 2025). The company has been active since 2012 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
29 d late
2023
15 d early
2022
30 d late
2021
26 d late
2020
24 d late
2019
26 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€344k▲ 23.5%
2024 · €279k
2018: €55k
2019: €71k
2020: €135k
2021: €155k
2022: €191k
2023: €213k
2024: €279k
2018 → 2025
Net result
€155k▲ 85.5%
2024 · €84k
2018: €38k
2019: €16k
2020: €65k
2021: €20k
2022: €36k
2023: €21k
2024: €84k
2018 → 2025
Total assets
€492k▲ 2.1%
2024 · €482k
2018: €364k
2019: €289k
2020: €297k
2021: €362k
2022: €339k
2023: €301k
2024: €482k
2018 → 2025
Solvency
70.0%▲ 12.1pp
2024 · 57.9%
2018: 15.2%
2019: 24.5%
2020: 45.7%
2021: 42.9%
2022: 56.4%
2023: 70.6%
2024: 57.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€191k▲ 22.9%€213k▲ 11.2%€279k▲ 31.3%€344k▲ 23.5%
Operating result€-60k-€-48k▲ 20.9%€-70k▼ 46.0%€502€37k▲ 7,186%
Net result€20k-€36k▲ 77.7%€21k▼ 39.8%€84k▲ 290%€155k▲ 85.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7,186% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€366k▼ 7.5%
Current assets
€126k▲ 46.2%
Equity and liabilities €492k
Equity
€344k▲ 23.5%
Debt
€147k▼ 27.3%
The debt ratio falls from 42.1% to 30.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
70.0%▲
2024 · 57.9%
ROE
45.1%▲
2024 · 30.0%
ROA
31.5%▲
2024 · 17.4%
Debt
€147k▼
2024 · €203k
Debt ≤ 1 year
€111k▼
2024 · €136k
Debt > 1 year
€37k▼
2024 · €67k
Income taxes
€16k▲
2024 · €9k
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€482k€492k▲
Fixed assets21/28€396k€366k▼
Tangible fixed assets22/27€141k€111k▼
Land and buildings22€0-
Furniture and vehicles24€141k€111k▼
Financial fixed assets28€255k€255k=
Current assets29/58€86k€126k▲
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€2k€2k=
Other amounts receivable41€2k€951▼
Cash at bank and in hand54/58€81k€54k▼
Deferred charges and accrued income490/1€1k€69k▲
Equity and liabilities
Total equity and liabilities10/49€482k€492k▲
Equity10/15€279k€344k▲
Contributions10/11€12k€12k=
Reserves13€267k€332k▲
Distributable reserves133€267k€332k▲
Amounts payable17/49€203k€147k▼
Amounts payable after more than one year17€67k€37k▼
Financial debts170/4€67k€37k▼
Amounts payable within one year42/48€136k€111k▼
Financial debts43€29k€30k▲
Credit institutions430/8€29k€30k▲
Trade debts44€19€13k▲
Suppliers440/4€19€13k▲
Taxes, remuneration and social security45€10k€19k▲
Taxes450/3€10k€19k▲
Other amounts payable47/48€97k€49k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€34k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€35k€72k▲
Operating profit (loss)9901€502€37k▲
Financial income75/76B€96k€138k▲
Recurring financial income75€96k€138k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€92k€171k▲
Income taxes67/77€9k€16k▲
Profit (loss) for the period9904€84k€155k▲
Profit (loss) for the period to be appropriated9905€84k€155k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€155k▲
Transfer from equity791/2€17k€90k▲
Transfer to equity691/2€84k€155k▲
To other reserves6921€84k€155k▲
Profit to be distributed694/7€17k€90k▲
Return on contributions (dividend)694€17k€90k▲
The notes to these accounts (7 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 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €155k ▲85.5%
Operating result €37k, net result €155k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €213k ▲11.2%
6 profitable years in a row build equity to €213k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Equity above €150kEq €155k ▲14.8%
4 profitable years in a row build equity to €155k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Equity above €100kEq €135k ▲91.1%
3 profitable years in a row build equity to €135k.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet €16k ▼58.9%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 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, Hasselt · 1 establishment unit since 2012
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.
Pater Raskinstraat 343512 HasseltGround area
1,291 m²
Building footprint
286 m²
Parcel 71055A0291/00V000, Flanders. Linked by address, not a title deed.
1 establishment unit
Pro-Active Insurance
since 20122.211.265.448
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71055A0291/00V000 | Flanders | 1,291 m² | 1 · 286 m² | - |
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.
Similar companies · same sector, comparable size
PETER MAENE CONSULT
BE 0841.432.834
Antwerpen · Eq €344k
LOGRAM
BE 0770.355.489
Ichtegem · Eq €344k
Lpcello
BE 0783.556.694
Gent · Eq €345k
Demasure A & L
BE 0839.062.470
Kortrijk · Eq €345k
Helix Engineering
BE 0899.406.962
Oudenaarde · Eq €344k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,769 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-07-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.