Summary
STRANARD 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 €284,238 and a net result of €55,322. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 46% of 3316 sector peers (fiscal year 2024). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Insurance agents and brokers
NACE 66220
3 sites
How big
€626,351total assets 2024
- Staff
- 3 FTE
- Equity
- €284,238
- Profit
- €55,322
Turnover not published (abridged schema)
Financially healthy?
Financial institution: outside the modelProbability: sector outside the model
Who decides
Accounts 62 d overdue1 of 3 deeds read
SignalsFiled after the deadlineShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. 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 22-10-2025, 83 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
83 d late
2023
56 d late
2022
60 d late
2021
23 d late
2020
31 d late
2019
67 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 53 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
- Board meeting · Registered-office moveDirector in office
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2024Total assets €626,351Profit €55,322Solvency 45.4%Liquidity 0.88
Total assets
€626,351▼ 1.9%
2018 - 2024
Net result
€55,322▲ 0.9%
2018 - 2024
Equity
€284,238▲ 11.8%
2018 - 2024
Staff (FTE)
3▲ 50.0%
2018 - 2024
Financials · fiscal year 2024, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€107,168▲ 109%€100,778▼ 6.0%€54,104▼ 46.3%€84,932▲ 57.0%€90,828▲ 6.9%
Net result€70,864above the sector's middle half▲ 179%€69,061above the sector's middle half▼ 2.5%€33,072within the sector's middle half▼ 52.1%€54,842within the sector's middle half▲ 65.8%€55,322within the sector's middle half▲ 0.9%
Equity€224,024within the sector's middle half▲ 32.1%€255,717within the sector's middle half▲ 14.1%€239,832within the sector's middle half▼ 6.2%€254,271within the sector's middle half▲ 6.0%€284,238within the sector's middle half▲ 11.8%
Total assets€576,213within the sector's middle half▼ 7.4%€571,427within the sector's middle half▼ 0.8%€575,030within the sector's middle half▲ 0.6%€638,325within the sector's middle half▲ 11.0%€626,351within the sector's middle half▼ 1.9%
Debt€327,361▼ 23.5%€290,883▼ 11.1%€335,199▲ 15.2%€384,054▲ 14.6%€342,112▼ 10.9%
Working capital-€48,054below the sector's middle half▲ 45.1%-€16,414below the sector's middle half▲ 65.8%-€65,807below the sector's middle half▼ 301%-€49,817below the sector's middle half▲ 24.3%-€16,145below the sector's middle half▲ 67.6%
Solvency38.9%within the sector's middle half▲ 11.6pp44.8%within the sector's middle half▲ 5.9pp41.7%within the sector's middle half▼ 3.0pp39.8%within the sector's middle half▼ 1.9pp45.4%within the sector's middle half▲ 5.5pp
Current ratio0.54below the sector's middle half▲ 0.140.85below the sector's middle half▲ 0.300.49below the sector's middle half▼ 0.360.60below the sector's middle half▲ 0.120.88below the sector's middle half▲ 0.27
Return on assets (ROA)12.3%within the sector's middle half▲ 8.2pp12.1%within the sector's middle half▼ 0.2pp5.8%within the sector's middle half▼ 6.3pp8.6%within the sector's middle half▲ 2.8pp8.8%within the sector's middle half▲ 0.2pp
Staff (FTE)1.4within the sector's middle half=2▲ 42.9%2=2=3▲ 50.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 7% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €626,351
Fixed assets
€510,170 ▼ 9.2%
Current assets
€116,181 ▲ 52.3%
Equity and liabilities €626,351
Equity
€284,238 ▲ 11.8%
Debt
€342,112 ▼ 10.9%
Debt's share of the balance-sheet total falls from 60.2% to 54.6%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
ROE
19.5%▼
2023 · 21.6%
Debt ≤ 1 year
€132,326▲
2023 · €126,093
Debt > 1 year
€208,300▼
2023 · €255,596
Income taxes
€26,339▲
2023 · €23,444
Staff costs
€101,288▼
2023 · €121,479
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €13,872 | - | €1,367 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €0 | - | - | - |
| Remuneration, social security and pensions62 | - | €101,644 | €116,465 | €121,479 | €101,288 | ▼ 16.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €65,249 | €55,081 | €56,160 | €45,727 | €62,744 | ▲ 37.2% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | -€24,828 | - | - | - |
| Other operating charges640/8 | - | €2,123 | €1,066 | €1,097 | €3,189 | ▲ 191% |
| Gross operating margin9900 | €268,578 | €259,625 | €202,967 | €253,234 | €258,049 | ▲ 1.9% |
| Operating profit (loss)9901 | €107,168 | €100,778 | €54,104 | €84,932 | €90,828 | ▲ 6.9% |
| Financial income75/76B | - | - | - | - | €6 | - |
| Recurring financial income75 | - | - | - | - | €6 | - |
| Financial charges65/66B | - | €5,279 | €5,704 | €6,646 | €9,174 | ▲ 38.0% |
| Recurring financial charges65 | €5,849 | €5,079 | €5,704 | €6,646 | €9,174 | ▲ 38.0% |
| Non-recurring financial charges66B | - | €200 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €101,319 | €95,498 | €48,400 | €78,285 | €81,660 | ▲ 4.3% |
| Income taxes67/77 | €30,455 | €26,437 | €15,328 | €23,444 | €26,339 | ▲ 12.3% |
| Profit (loss) for the period9904 | €70,864 | €69,061 | €33,072 | €54,842 | €55,322 | ▲ 0.9% |
| Profit (loss) for the period to be appropriated9905 | €70,864 | €69,061 | €33,072 | €54,842 | €55,322 | ▲ 0.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €576,213 | €571,427 | €575,030 | €638,325 | €626,351 | ▼ 1.9% |
| Fixed assets21/28 | €518,805 | €479,962 | €512,555 | €562,049 | €510,170 | ▼ 9.2% |
| Tangible fixed assets22/27 | €518,805 | €479,962 | €512,555 | €562,049 | €510,170 | ▼ 9.2% |
| Land and buildings22 | - | €395,806 | €380,430 | €364,347 | €353,760 | ▼ 2.9% |
| Plant, machinery and equipment23 | - | €2,123 | €2,060 | €1,974 | €1,866 | ▼ 5.5% |
| Furniture and vehicles24 | - | €37,610 | €89,334 | €158,689 | €121,197 | ▼ 23.6% |
| Other tangible fixed assets26 | - | €44,424 | €40,731 | €37,039 | €33,346 | ▼ 10.0% |
| Current assets29/58 | €57,407 | €91,465 | €62,475 | €76,276 | €116,181 | ▲ 52.3% |
| Amounts receivable within one year40/41 | €3,422 | €0 | €2,672 | €2,672 | - | - |
| Other amounts receivable41 | - | €0 | €2,672 | €2,672 | - | - |
| Cash at bank and in hand54/58 | €28,720 | €62,750 | €24,688 | €34,092 | €78,676 | ▲ 131% |
| Deferred charges and accrued income490/1 | - | €28,715 | €35,115 | €39,513 | €37,505 | ▼ 5.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €576,213 | €571,427 | €575,030 | €638,325 | €626,351 | ▼ 1.9% |
| Equity10/15 | €224,024 | €255,717 | €239,832 | €254,271 | €284,238 | ▲ 11.8% |
| Contributions10/11 | - | €8,060 | €8,060 | €8,060 | €8,060 | = |
| Reserves13 | €215,964 | €247,657 | €231,772 | €246,211 | €276,178 | ▲ 12.2% |
| Distributable reserves133 | - | €247,657 | €231,772 | €246,211 | €276,178 | ▲ 12.2% |
| Provisions and deferred taxes16 | €24,828 | €24,828 | €0 | - | - | - |
| Provisions for liabilities and charges160/5 | - | €24,828 | €0 | - | - | - |
| Other liabilities and charges164/5 | - | €24,828 | €0 | - | - | - |
| Amounts payable17/49 | €327,361 | €290,883 | €335,199 | €384,054 | €342,112 | ▼ 10.9% |
| Amounts payable after more than one year17 | €218,195 | €179,473 | €206,171 | €255,596 | €208,300 | ▼ 18.5% |
| Financial debts170/4 | - | €179,473 | €206,171 | €255,596 | €208,300 | ▼ 18.5% |
| Amounts payable within one year42/48 | €105,461 | €107,879 | €128,281 | €126,093 | €132,326 | ▲ 4.9% |
| Current portion of amounts payable after more than one year42 | - | €38,721 | €40,437 | €45,835 | €47,297 | ▲ 3.2% |
| Trade debts44 | €7,508 | €1,549 | €4,987 | €2,462 | €224 | ▼ 90.9% |
| Suppliers440/4 | - | €1,549 | €4,987 | €2,462 | €224 | ▼ 90.9% |
| Taxes, remuneration and social security45 | - | €30,110 | €21,562 | €20,646 | €38,439 | ▲ 86.2% |
| Taxes450/3 | - | €21,640 | €6,535 | €6,198 | €14,945 | ▲ 141% |
| Remuneration and social security454/9 | - | €8,470 | €15,027 | €14,448 | €23,494 | ▲ 62.6% |
| Other amounts payable47/48 | - | €37,499 | €61,295 | €57,150 | €46,366 | ▼ 18.9% |
| Accrued charges and deferred income492/3 | - | €3,530 | €746 | €2,365 | €1,487 | ▼ 37.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,864 | €69,061 | €33,072 | €54,842 | €55,322 | ▲ 0.9% |
| + Depreciation and write-downs630 | €65,249 | €55,081 | €56,160 | €45,727 | €62,744 | ▲ 37.2% |
| Operating cash flow (approximation) | €136,113 | €124,142 | €89,232 | €100,568 | €118,066 | ▲ 17.4% |
| Investment in fixed assets (approximation) | - | -€16,238 | -€88,753 | -€95,220 | -€10,865 | ▲ 88.6% |
| Change in cash | - | €34,030 | -€38,062 | €9,404 | €44,584 | ▲ 374% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Similar companies · same sector, comparable size
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assurvita Bortels-Kindermans
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Sur.
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Zwevegem · Eq €285,337
FIEVET
BE 0430.648.722
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Of 4,671 companies in this sector we hold annual accounts for 3,221. 2,757 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
14 eventsLatest 01-10-2026
History
Acts, filings and financial milestones
2026
01-10
State Gazette act
Board meeting · Registered-office moveDirector in office3 facts ▸
State Gazette act
Board meeting · Registered-office move
Director in office3 facts ▸
- Board meeting, 07-07-2026
- Registered-office move, 9320 Aalst, Groeneweg 17
- Director in office, Stranard Thibaut (director)
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 83 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €70,864 ▲179%
Operating result €107,168, net result €70,864, both a record.
31-12
Financial
Equity above €200,000Eq €224,024 ▲32.1%
3 profitable years in a row build equity to €224,024.
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
31-12
Financial
Weakest financial yearnet €25,354 ▼37.2%
Net result drops to €25,354, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company (pre-2019) · founded 31-03-2005Year ends 31-12Peppol reachable3 sites
Register details
Identification
Legal formPrivate limited company (pre-2019)
Founded31-03-2005
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
Thibaut@stranard.beThuin
Phone
0499579320Thuin
E-invoicing
Reachable via Peppol
Peppol ID
0208:0872862418
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Aalst · 3 establishment units since 2005
Ground area
4,658 m²
Building footprint
893 m²
Volume, LiDAR
6,409 m³
2 parcels, Flanders, Wallonia · tallest building 26.0 m, ±3 floors. Linked by address, not a title deed.
152
companies at this address
See who is registered here
3 establishment units
STRANARD SPRL
since 2005unit no. 2.146.108.469
Rue Armand Bury(GOZ) 146, 6534 Thuin
since 2015unit no. 2.240.658.329
Stranard sprl
since 2022unit no. 2.331.660.363
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41342B0933/00H000 | Flanders | 3,635 m² | 1 · 798 m² | 26.0 m · 2 fl. |
| 56030A0106/00M000 | Wallonia | 1,023 m² | 1 · 95 m² | 9.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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