TRUDASSUR
ActiveTRUDASSUR 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 €18k and a net result of €-13k. Equity is shrinking by ~25.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 17% of 2410 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four 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 17% of 2410 sector peers (2025).
NBB · sector comparisonPosition among 2410 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
31 d late
2023
27 d late
2022
4 d early
2021
11 d early
2020
30 d late
2019
61 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▼ 45.9%
2024 · €34k
2018: €208k
2019: €184k
2020: €167k
2021: €139k
2022: €92k
2023: €50k
2024: €34k
2018 → 2025
Net result
€-13k▲ 16.9%
2024 · €-16k
2018: €-7k
2019: €-24k
2020: €-17k
2021: €-28k
2022: €-47k
2023: €-42k
2024: €-16k
2018 → 2025
Total assets
€192k▼ 17.5%
2024 · €232k
2018: €602k
2019: €574k
2020: €506k
2021: €399k
2022: €330k
2023: €251k
2024: €232k
2018 → 2025
Solvency
9.6%▼ 5.0pp
2024 · 14.6%
2018: 34.5%
2019: 32.1%
2020: 33.0%
2021: 34.7%
2022: 27.9%
2023: 19.9%
2024: 14.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€92k▼ 33.7%€50k▼ 45.8%€34k▼ 32.1%€18k▼ 45.9%
Operating result€-19k-€-43k▼ 118%€-34k▲ 18.9%€-2k▲ 95.6%€1k
Net result€-28k-€-47k▼ 64.5%€-42k▲ 9.8%€-16k▲ 62.0%€-13k▲ 16.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €2k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €192k
Fixed assets
€95▼ 99.7%
Current assets
€191k▼ 3.3%
Equity and liabilities €192k
Equity
€18k▼ 45.9%
Debt
€173k▼ 12.7%
The debt ratio rises from 85.4% to 90.4%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
9.6%▼
2024 · 14.6%
ROE
-72.5%▼
2024 · -47.2%
ROA
-6.9%▼
2024 · -6.9%
Debt
€173k▼
2024 · €198k
Debt ≤ 1 year
€125k▲
2024 · €122k
Debt > 1 year
€49k▼
2024 · €76k
Income taxes
€11k▲
2024 · €8k
Staff costs
€213k▼
2024 · €213k
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€232k€192k▼
Formation expenses20-€0
Fixed assets21/28€34k€95▼
Intangible fixed assets21€33k€0▼
Tangible fixed assets22/27€1k€95▼
Plant, machinery and equipment23€544€95▼
Furniture and vehicles24€740€0▼
Other tangible fixed assets26-€0
Current assets29/58€198k€191k▼
Amounts receivable within one year40/41€181k€135k▼
Trade receivables40€75k€45k▼
Other amounts receivable41€106k€90k▼
Cash at bank and in hand54/58€16k€55k▲
Deferred charges and accrued income490/1€691€2k▲
Equity and liabilities
Total equity and liabilities10/49€232k€192k▼
Equity10/15€34k€18k▼
Contributions10/11€19k€19k=
Reserves13€35k€2k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€33k-
Profit (loss) carried forward14€-20k€-2k▲
Amounts payable17/49€198k€173k▼
Amounts payable after more than one year17€76k€49k▼
Financial debts170/4€76k€49k▼
Amounts payable within one year42/48€122k€125k▲
Current portion of amounts payable after more than one year42€28k€41k▲
Financial debts43€16k€27k▲
Credit institutions430/8€16k€27k▲
Trade debts44€38k€19k▼
Suppliers440/4€38k€19k▼
Taxes, remuneration and social security45€40k€35k▼
Taxes450/3€8k€5k▼
Remuneration and social security454/9€32k€30k▼
Other amounts payable47/48€235€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€213k€213k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€34k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€249k€251k▲
Operating profit (loss)9901€-2k€1k▲
Financial income75/76B€114€374▲
Recurring financial income75€114€314▲
Non-recurring financial income76B-€60
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€-8k€-2k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€-16k€-13k▲
Transfer from tax-exempt reserves789€33k€33k=
Profit (loss) for the period to be appropriated9905€17k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€118▲
Profit (loss) brought forward from the previous period14P€-37k€-20k▲
Profit to be distributed694/7-€2k
Employees696-€2k
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-47k
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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-Truiden · 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.
Staaien 193800 Sint-TruidenGround area
612 m²
Building footprint
151 m²
Volume, LiDAR
1,051 m³
Parcel 71353F0049/00T000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Staaien 19, 3800 Sint-Truiden
since 19952.067.632.402
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71353F0049/00T000 | Flanders | 612 m² | 1 · 151 m² | 9.5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 720 EUR awarded · 720 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 186 EUR | 186 EUR |
| 2024 | 1 | 174 EUR | 174 EUR |
| 2023 | 1 | 186 EUR | 186 EUR |
| 2022 | 1 | 174 EUR | 174 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,666 companies in sector 66220 we hold annual accounts for 3,215. 1,432 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-1994
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.