Summary
Surtout 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 €16,165 and a net result of -€3,835. Its solvency ranks better than 10% of 2460 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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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 10% of 2460 sector peers (2025).
NBB · sector comparisonPosition among 2460 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
25 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2025, micro schema
Equity
€16,165
Net result
-€3,835
Total assets
€1.0m
Solvency
1.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €1.0m
Fixed assets
€928,236
Current assets
€95,435
Equity and liabilities €1.0m
Equity
€16,165
Debt
€1.0m
Debt finances 98.4% of the balance-sheet total.
Key figures and ratios
ROE
-23.7%
ROA
-0.4%
Debt ≤ 1 year
€115,691
Debt > 1 year
€883,565
Staff costs
€62,320
Annual accounts
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €62,320 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €80,933 |
| Other operating charges640/8 | €2,659 |
| Gross operating margin9900 | €168,007 |
| Operating profit (loss)9901 | €22,095 |
| Financial charges65/66B | €25,929 |
| Recurring financial charges65 | €25,929 |
| Profit (loss) for the period before taxes9903 | -€3,835 |
| Profit (loss) for the period9904 | -€3,835 |
| Profit (loss) for the period to be appropriated9905 | -€3,835 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €1.0m | |
| Fixed assets21/28 | €928,236 | |
| Intangible fixed assets21 | €900,023 | |
| Tangible fixed assets22/27 | €26,113 | |
| Plant, machinery and equipment23 | €18,717 | |
| Furniture and vehicles24 | €7,396 | |
| Financial fixed assets28 | €2,100 | |
| Current assets29/58 | €95,435 | |
| Amounts receivable within one year40/41 | €63,312 | |
| Trade receivables40 | €63,312 | |
| Cash at bank and in hand54/58 | €27,123 | |
| Deferred charges and accrued income490/1 | €5,000 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €1.0m | |
| Equity10/15 | €16,165 | |
| Contributions10/11 | €20,000 | |
| Profit (loss) carried forward14 | -€3,835 | |
| Amounts payable17/49 | €1.0m | |
| Amounts payable after more than one year17 | €883,565 | |
| Financial debts170/4 | €883,565 | |
| Amounts payable within one year42/48 | €115,691 | |
| Current portion of amounts payable after more than one year42 | €64,537 | |
| Financial debts43 | €23,111 | |
| Other loans439 | €23,111 | |
| Trade debts44 | €20,180 | |
| Suppliers440/4 | €20,180 | |
| Taxes, remuneration and social security45 | €7,863 | |
| Taxes450/3 | €2,445 | |
| Remuneration and social security454/9 | €5,418 | |
| Accrued charges and deferred income492/3 | €8,250 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€3,835 |
| + Depreciation and write-downs630 | €80,933 |
| Operating cash flow (approximation) | €77,099 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Veurne · 1 establishment unit since 2024
Ground area
625 m²
Building footprint
253 m²
Volume, LiDAR
2,476 m³
Parcel 38025A0571/00H000, Flanders · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Surtout
since 20242.362.895.353
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38025A0571/00H000 | Flanders | 625 m² | 1 · 253 m² | 12.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
2025 · 1 entry · 900 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 900 EUR | 0 EUR |
Similar companies · same sector, comparable size
Thelen Assurances
BE 1017.041.535
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BELASSUR
BE 0846.473.765
Waremme · Eq €16,120
START FINANCE
BE 0773.913.213
Koekelberg · Eq €16,218
DGV INSURANCE
BE 0832.955.529
Lievegem · Eq €16,240
ZAKENKANTOOR CERTO
BE 0458.816.730
Kortrijk · Eq €16,328
Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 1,357 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-08-2024
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66210Risk and damage evaluation
66290Activities auxiliary to financial services and insurance activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:1012472241
Also
9925:BE1012472241
Registered
14-05-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.