S.V. Assurances is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €553k and a net result of €61k. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 83% of 3322 sector peers (fiscal year 2024). The company has been active since 1995 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-10-2025, 74 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
not confirmed
2024
74 d late
2023
65 d late
2022
65 d late
2021
57 d late
2020
81 d late
2019
68 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€553k▲ 12.5%
2023 · €492k
2018: €157k
2019: €216k
2020: €259k
2021: €306k
2022: €395k
2023: €492k
2018 → 2024
Net result
€61k▼ 36.9%
2023 · €97k
2018: €65k
2019: €59k
2020: €43k
2021: €47k
2022: €88k
2023: €97k
2018 → 2024
Total assets
€658k▲ 14.0%
2023 · €577k
2018: €335k
2019: €271k
2020: €316k
2021: €360k
2022: €453k
2023: €577k
2018 → 2024
Solvency
84.1%▼ 1.2pp
2023 · 85.3%
2018: 46.9%
2019: 79.7%
2020: 81.9%
2021: 85.2%
2022: 87.2%
2023: 85.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€259k-€306k▲ 18.2%€395k▲ 28.9%€492k▲ 24.6%€553k▲ 12.5%
Operating result€55k-€62k▲ 11.3%€113k▲ 83.6%€123k▲ 8.3%€77k▼ 37.3%
Net result€43k-€47k▲ 9.8%€88k▲ 87.6%€97k▲ 9.8%€61k▼ 36.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 37% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €658k
Fixed assets
€4k▼ 10.0%
Current assets
€653k▲ 14.2%
Equity and liabilities €658k
Equity
€553k▲ 12.5%
Debt
€105k▲ 23.1%
The debt ratio rises from 14.7% to 15.9%. Equity and debt are higher.
Key figures and ratios
Solvency
84.1%▼
2023 · 85.3%
ROE
11.1%▼
2023 · 19.7%
ROA
9.3%▼
2023 · 16.8%
Debt
€105k▲
2023 · €85k
Debt ≤ 1 year
€103k▲
2023 · €85k
Income taxes
€26k▼
2023 · €37k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€577k€658k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€572k€653k▲
Amounts receivable within one year40/41€500k€568k▲
Trade receivables40€5k€5k=
Other amounts receivable41€495k€563k▲
Cash at bank and in hand54/58€4k-
Deferred charges and accrued income490/1€68k€85k▲
Equity and liabilities
Total equity and liabilities10/49€577k€658k▲
Equity10/15€492k€553k▲
Contributions10/11€19k€19k=
Reserves13€473k€534k▲
Distributable reserves133€473k€534k▲
Profit (loss) carried forward14€453€728▲
Amounts payable17/49€85k€105k▲
Amounts payable within one year42/48€85k€103k▲
Financial debts43€9k€38k▲
Credit institutions430/8€9k€38k▲
Trade debts44€826€2k▲
Suppliers440/4€826€2k▲
Taxes, remuneration and social security45€72k€60k▼
Taxes450/3€72k€60k▼
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3€42€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€277€500▲
Other operating charges640/8€936€896▼
Gross operating margin9900€124k€78k▼
Operating profit (loss)9901€123k€77k▼
Financial income75/76B€15k€17k▲
Recurring financial income75€15k€17k▲
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€135k€87k▼
Income taxes67/77€37k€26k▼
Profit (loss) for the period9904€97k€61k▼
Profit (loss) for the period to be appropriated9905€97k€61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€62k▼
Profit (loss) brought forward from the previous period14P€352€453▲
Transfer to equity691/2€97k€61k▼
To other reserves6921€97k€61k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
31-12
Financial
Equity above €500kEq €553k ▲12.5%
7 profitable years in a row build equity to €553k.
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
31-12
Financial
Highest result since 2018net €97k ▲9.8%
Operating result €123k, net result €97k, both a record.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
31-12
Financial
Weakest financial yearnet €43k ▼27.3%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 5.56
Current ratio from 2.02 to 5.56; short-term debt falls from €166k to €49k.
31-12
Financial
Equity above €200kEq €216k ▲37.5%
2 profitable years in a row build equity to €216k.
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 68 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
06-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 37 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Agatha-Berchem · 1 establishment unit since 1995
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.
Gentsesteenweg 11061082 Sint-Agatha-BerchemGround area
454 m²
Building footprint
224 m²
Volume, LiDAR
2,487 m³
2 parcels, Brussels · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
René Comhairelaan 25, 1082 Sint-Agatha-Berchem
since 19952.071.047.394
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0073/00Y009 | Brussels | 321 m² | 1 · 160 m² | 15.8 m · 4 fl. |
| 21003A0113/00H003 | Brussels | 133 m² | 1 · 64 m² | 18.3 m · 5 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. 2,550 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-1995
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.