SUREPLUS
ActiveSUREPLUS 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 €2.66M and a net result of €136k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 1457 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
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 31-08-2026, 31 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
31 d late
2024
61 d late
2023
29 d late
2022
30 d late
2021
145 d late
2020
90 d late
2019
91 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.66M▲ 5.4%
2024 · €2.53M
2018: €1.67M
2019: €1.82M
2020: €2.04M
2021: €2.22M
2022: €2.35M
2023: €2.43M
2024: €2.53M
2018 → 2025
Net result
€136k▲ 35.6%
2024 · €101k
2018: €109k
2019: €162k
2020: €217k
2021: €194k
2022: €135k
2023: €75k
2024: €101k
2018 → 2025
Total assets
€5.95M▲ 1.6%
2024 · €5.86M
2018: €4.20M
2019: €4.32M
2020: €4.40M
2021: €4.33M
2022: €4.67M
2023: €4.72M
2024: €5.86M
2018 → 2025
Solvency
44.7%▲ 1.6pp
2024 · 43.1%
2018: 39.8%
2019: 42.1%
2020: 46.3%
2021: 51.2%
2022: 50.3%
2023: 51.4%
2024: 43.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.22M-€2.35M▲ 6.1%€2.43M▲ 3.2%€2.53M▲ 4.1%€2.66M▲ 5.4%
Operating result€301k-€223k▼ 25.7%€211k▼ 5.7%€215k▲ 1.8%€312k▲ 45.4%
Net result€194k-€135k▼ 30.6%€75k▼ 44.3%€101k▲ 33.9%€136k▲ 35.6%
Turnover and EBIT margin not published: the abbreviated or 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 45% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.95M
Fixed assets
€5.14M▲ 1.3%
Current assets
€810k▲ 3.0%
Equity and liabilities €5.95M
Equity
€2.66M▲ 5.4%
Provisions
€39k▼ 2.9%
Debt
€3.25M▼ 1.3%
The debt ratio falls from 56.2% to 54.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
44.7%▲
2024 · 43.1%
ROE
5.1%▲
2024 · 4.0%
ROA
2.3%▲
2024 · 1.7%
Debt
€3.25M▼
2024 · €3.30M
Debt ≤ 1 year
€732k▲
2024 · €643k
Debt > 1 year
€2.52M▼
2024 · €2.65M
Income taxes
€77k▲
2024 · €47k
Staff costs
€143k▲
2024 · €125k
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€5.86M€5.95M▲
Fixed assets21/28€5.08M€5.14M▲
Intangible fixed assets21€716k€645k▼
Tangible fixed assets22/27€4.25M€4.39M▲
Land and buildings22€4.12M€4.31M▲
Plant, machinery and equipment23€14k€13k▼
Furniture and vehicles24€40k€27k▼
Leasing and similar rights25€38k€2k▼
Other tangible fixed assets26€36k€34k▼
Financial fixed assets28€112k€112k=
Current assets29/58€786k€810k▲
Amounts receivable after more than one year29€134k€134k=
Trade receivables290€134k€134k=
Amounts receivable within one year40/41€609k€623k▲
Other amounts receivable41€609k€623k▲
Cash at bank and in hand54/58€23k€22k▼
Deferred charges and accrued income490/1€21k€31k▲
Equity and liabilities
Total equity and liabilities10/49€5.86M€5.95M▲
Equity10/15€2.53M€2.66M▲
Contributions10/11€857k€857k=
Reserves13€670k€806k▲
Tax-exempt reserves132€88k€84k▼
Distributable reserves133€582k€722k▲
Profit (loss) carried forward14€999k€999k=
Provisions and deferred taxes16€40k€39k▼
Deferred taxes168€40k€39k▼
Amounts payable17/49€3.30M€3.25M▼
Amounts payable after more than one year17€2.65M€2.52M▼
Financial debts170/4€2.65M€2.52M▼
Amounts payable within one year42/48€643k€732k▲
Current portion of amounts payable after more than one year42€297k€324k▲
Trade debts44€7k€15k▲
Suppliers440/4€7k€15k▲
Taxes, remuneration and social security45€76k€135k▲
Taxes450/3€61k€118k▲
Remuneration and social security454/9€15k€17k▲
Other amounts payable47/48€263k€259k▼
Accrued charges and deferred income492/3€620-
Income statement
Code20242025
Non-recurring operating income76A€62k€13k▼
Remuneration, social security and pensions62€125k€143k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€259k€266k▲
Other operating charges640/8€108k€57k▼
Non-recurring operating charges66A€2k€5k▲
Gross operating margin9900€708k€783k▲
Operating profit (loss)9901€215k€312k▲
Financial income75/76B€116€4▼
Recurring financial income75€116€4▼
Financial charges65/66B€56k€100k▲
Recurring financial charges65€56k€100k▲
Profit (loss) for the period before taxes9903€159k€212k▲
Transfer from deferred taxes780€1k€1k▲
Transfer to deferred taxes680€13k-
Income taxes67/77€47k€77k▲
Profit (loss) for the period9904€101k€136k▲
Transfer from tax-exempt reserves789€3k€4k▲
Transfer to tax-exempt reserves689€38k-
Profit (loss) for the period to be appropriated9905€66k€140k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.06M€1.14M▲
Profit (loss) brought forward from the previous period14P€999k€999k=
Transfer to equity691/2€66k€140k▲
To other reserves6921€66k€140k▲
Social balance
Average headcount (FTE)9087-2.5
The notes to these accounts (18 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €75k ▼44.3%
Net result drops to €75k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 145 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 90 days late
2020
31-12
Financial
Highest result since 2018net €217k ▲34.3%
Operating result €347k, net result €217k, both a record.
31-12
Financial
Equity above €2MEq €2.04M ▲12%
3 profitable years in a row build equity to €2.04M.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 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, Anderlecht · 3 establishment units since 2002
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.
Joseph Vanhellemontlaan 1A1070 AnderlechtGround area
3,605 m²
Building footprint
1,136 m²
Volume, LiDAR
12,588 m³
3 parcels, Brussels, Flanders · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
SUREPLUS
since 20022.133.802.535
SUREPLUS
since 20172.267.395.190
SUREPLUS
since 20252.368.738.218
3 parcels
Flanders
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0308/00R000 | Flanders | 1,757 m² | 1 · 956 m² | 15.5 m · 4 fl. |
| 23062N0036/02L007 | Flanders | 1,659 m² | 1 · 43 m² | 2.1 m |
| 21308H0338/00F000 | Brussels | 188 m² | 1 · 137 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,149 EUR awarded · 1,149 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,149 EUR | 1,149 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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Of 4,670 companies in sector 66220 we hold annual accounts for 3,216. 1,398 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2003
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.