VALEX ASSURANCES 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 €155k and a net result of €89k. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 43% of 1471 sector peers (fiscal year 2025). The company has been active since 2008 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
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €155k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 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
46 d late
2024
60 d late
2023
69 d late
2022
31 d late
2021
31 d late
2020
150 d late
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€155k▲ 136%
2024 · €65k
2018: €122k
2019: €154k
2020: €118k
2021: €27k
2022: €58k
2023: €46k
2024: €65k
2018 → 2025
Net result
€89k▲ 348%
2024 · €20k
2018: €42k
2019: €38k
2020: €-26k
2021: €-4k
2022: €31k
2023: €13k
2024: €20k
2018 → 2025
Total assets
€474k▼ 13.0%
2024 · €545k
2018: €708k
2019: €984k
2020: €934k
2021: €850k
2022: €732k
2023: €634k
2024: €545k
2018 → 2025
Solvency
32.6%▲ 20.6pp
2024 · 12.0%
2018: 17.3%
2019: 15.6%
2020: 12.6%
2021: 3.2%
2022: 7.9%
2023: 7.2%
2024: 12.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€58k▲ 112%€46k▼ 21.3%€65k▲ 43.7%€155k▲ 136%
Operating result€54k-€76k▲ 42.5%€64k▼ 16.7%€54k▼ 15.4%€188k▲ 250%
Net result€-4k-€31k€13k▼ 57.3%€20k▲ 52.3%€89k▲ 348%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 250% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474k
Fixed assets
€186k▼ 27.2%
Current assets
€288k▼ 0.4%
Equity and liabilities €474k
Equity
€155k▲ 136%
Debt
€319k▼ 33.4%
The debt ratio falls from 88.0% to 67.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
32.6%▲
2024 · 12.0%
ROE
57.7%▲
2024 · 30.4%
ROA
18.8%▲
2024 · 3.7%
Debt
€319k▼
2024 · €479k
Debt ≤ 1 year
€178k▼
2024 · €278k
Debt > 1 year
€142k▼
2024 · €201k
Income taxes
€85k▲
2024 · €22k
Staff costs
€114k▼
2024 · €158k
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€545k€474k▼
Fixed assets21/28€256k€186k▼
Intangible fixed assets21€225k€154k▼
Tangible fixed assets22/27€27k€29k▲
Plant, machinery and equipment23€1k€1k▲
Furniture and vehicles24€13k€14k▲
Other tangible fixed assets26€13k€13k=
Financial fixed assets28€4k€4k▲
Current assets29/58€289k€288k▼
Amounts receivable within one year40/41€165k€201k▲
Trade receivables40€31k€48k▲
Other amounts receivable41€134k€153k▲
Cash at bank and in hand54/58€119k€79k▼
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€545k€474k▼
Equity10/15€65k€155k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€27k€116k▲
Distributable reserves133€27k€116k▲
Profit (loss) carried forward14€20k€20k▲
Amounts payable17/49€479k€319k▼
Amounts payable after more than one year17€201k€142k▼
Financial debts170/4€201k€142k▼
Amounts payable within one year42/48€278k€178k▼
Current portion of amounts payable after more than one year42€60k€59k▼
Financial debts43€124k-
Credit institutions430/8€124k-
Trade debts44€11k€8k▼
Suppliers440/4€11k€8k▼
Taxes, remuneration and social security45€58k€85k▲
Taxes450/3€37k€85k▲
Remuneration and social security454/9€20k-
Other amounts payable47/48€26k€26k=
Income statement
Code20242025
Remuneration, social security and pensions62€158k€114k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100k€80k▼
Other operating charges640/8€38k€3k▼
Non-recurring operating charges66A€1€1k▲
Gross operating margin9900€350k€386k▲
Operating profit (loss)9901€54k€188k▲
Financial income75/76B€7k-
Recurring financial income75€7k-
Financial charges65/66B€19k€14k▼
Recurring financial charges65€19k€14k▼
Profit (loss) for the period before taxes9903€42k€175k▲
Income taxes67/77€22k€85k▲
Profit (loss) for the period9904€20k€89k▲
Profit (loss) for the period to be appropriated9905€20k€89k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€109k▲
Profit (loss) brought forward from the previous period14P€20k€20k▲
Transfer to equity691/2€20k€89k▲
To other reserves6921€20k€89k▲
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
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 46 days late
2025
31-12
Financial
Highest result since 2018net €89k ▲348%
Operating result €188k, net result €89k, both a record.
31-12
Financial
Equity above €150kEq €155k ▲136%
4 profitable years in a row build equity to €155k.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
08-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 69 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €31k
Net result €31k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 150 days late
2020
31-12
Financial
Weakest financial yearnet €-26k ▼169%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Equity above €150kEq €154k ▲25.8%
2 profitable years in a row build equity to €154k.
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 75 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 64 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Evere · 1 establishment unit since 2008
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.
Picardiestraat 431140 EvereGround area
5,736 m²
Building footprint
1,443 m²
Volume, LiDAR
20,464 m³
2 parcels, Brussels · tallest building 37.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LEVAX
since 20082.173.500.477
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0510/00G000 | Brussels | 4,336 m² | 1 · 451 m² | 14.9 m · 4 fl. |
| 21618B0276/00C058 | Brussels | 1,399 m² | 1 · 992 m² | 37.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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. 2,827 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-09-2008
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:admin@valexassurances.be