SD ACP ASSUR 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 €26k and a net result of €16k. Equity is shrinking by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 775 sector peers (fiscal year 2024). The company has been active since 2017 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 775 sector peers (2024).
NBB · sector comparisonPosition among 775 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
2022
92 d late
2021
1 d early
2020
92 d late
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€26k▲ 153%
2023 · €10k
2018: €50k
2019: €45k
2020: €24k
2021: €40k
2022: €-39k
2023: €10k
2018 → 2024
Net result
€16k▼ 67.9%
2023 · €50k
2018: €10k
2019: €-5k
2020: €-21k
2021: €16k
2022: €-79k
2023: €50k
2018 → 2024
Total assets
€383k▼ 16.6%
2023 · €459k
2018: €946k
2019: €809k
2020: €744k
2021: €683k
2022: €529k
2023: €459k
2018 → 2024
Solvency
6.9%▲ 4.6pp
2023 · 2.3%
2018: 5.2%
2019: 5.6%
2020: 3.2%
2021: 5.8%
2022: -7.4%
2023: 2.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€24k-€40k▲ 66.5%€-39k€10k€26k▲ 153%
Operating result€-11k-€29k€-70k€58k€26k▼ 55.7%
Net result€-21k-€16k€-79k€50k€16k▼ 67.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 56% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €383k
Fixed assets
€273k▼ 23.3%
Current assets
€110k▲ 6.5%
Equity and liabilities €383k
Equity
€26k▲ 153%
Debt
€357k▼ 20.5%
The debt ratio falls from 97.7% to 93.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
6.9%▲
2023 · 2.3%
ROE
60.5%▼
2023 · 477.3%
ROA
4.2%▼
2023 · 10.8%
Debt
€357k▼
2023 · €449k
Debt ≤ 1 year
€108k▼
2023 · €110k
Debt > 1 year
€249k▼
2023 · €339k
Income taxes
€2k
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€459k€383k▼
Fixed assets21/28€356k€273k▼
Intangible fixed assets21€352k€268k▼
Tangible fixed assets22/27€4k€5k▲
Furniture and vehicles24€255-
Other tangible fixed assets26€3k€5k▲
Financial fixed assets28€144€144=
Current assets29/58€103k€110k▲
Amounts receivable within one year40/41€94k€105k▲
Trade receivables40€67k€80k▲
Other amounts receivable41€28k€24k▼
Cash at bank and in hand54/58€9k€3k▼
Deferred charges and accrued income490/1€375€3k▲
Equity and liabilities
Total equity and liabilities10/49€459k€383k▼
Equity10/15€10k€26k▲
Contributions10/11€44k€44k=
Profit (loss) carried forward14€-34k€-18k▲
Amounts payable17/49€449k€357k▼
Amounts payable after more than one year17€339k€249k▼
Financial debts170/4€339k€249k▼
Amounts payable within one year42/48€110k€108k▼
Current portion of amounts payable after more than one year42€88k€90k▲
Trade debts44€22k€16k▼
Suppliers440/4€22k€16k▼
Taxes, remuneration and social security45€86€2k▲
Taxes450/3€86€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€86k▼
Other operating charges640/8€7k€666▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€151k€114k▼
Operating profit (loss)9901€58k€26k▼
Financial income75/76B-€764
Recurring financial income75-€764
Non-recurring financial income76B-€764
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€50k€18k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€50k€16k▼
Profit (loss) for the period to be appropriated9905€50k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-18k▲
Profit (loss) brought forward from the previous period14P€-83k€-34k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 92 days late
2022
31-12
Financial
Weakest financial yearnet €-79k ▼598%
Net result drops to €-79k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 92 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 92 days late
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 75 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, Sprimont · 1 establishment unit since 2018
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.
Haie des Chênes(DLX) 34140 SprimontGround area
1,442 m²
Building footprint
182 m²
Volume, LiDAR
903 m³
Parcel 62028C0923/00E000, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACP ASSUR
since 20182.273.459.373
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62028C0923/00E000 | Wallonia | 1,442 m² | 1 · 182 m² | 7.0 m · 2 fl. |
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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,769 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2017
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.