Vanbreda Assutron 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 €1.23M and a net result of €702k. Equity is growing by ~74.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 43 sector peers (fiscal year 2025). The company has been active since 2011 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
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 07-08-2026, 7 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
7 d late
2024
31 d early
2023
1 d early
2022
30 d late
2021
4 d early
2020
31 d late
2019
55 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.23M▲ 131%
2024 · €534k
2018: €26k
2019: €27k
2021: €110k
2022: €246k
2023: €368k
2024: €534k
2018 → 2025
Net result
€702k▲ 318%
2024 · €168k
2018: €399
2019: €194
2021: €55k
2022: €136k
2023: €123k
2024: €168k
2018 → 2025
Total assets
€1.94M▲ 40.3%
2024 · €1.38M
2018: €35k
2019: €37k
2021: €762k
2022: €733k
2023: €735k
2024: €1.38M
2018 → 2025
Solvency
63.6%▲ 25.0pp
2024 · 38.6%
2018: 75.4%
2019: 71.8%
2021: 14.4%
2022: 33.5%
2023: 50.0%
2024: 38.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€246k▲ 123%€368k▲ 49.6%€534k▲ 45.3%€1.23M▲ 131%
Operating result€89k-€188k▲ 111%€191k▲ 1.9%€244k▲ 27.5%€291k▲ 19.3%
Net result€55k-€136k▲ 149%€123k▼ 9.0%€168k▲ 36.1%€702k▲ 318%
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 has risen four years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.94M
Fixed assets
€607k▼ 28.4%
Current assets
€1.33M▲ 149%
Equity and liabilities €1.94M
Equity
€1.23M▲ 131%
Debt
€707k▼ 16.8%
The debt ratio falls from 61.4% to 36.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
63.6%▲
2024 · 38.6%
ROE
56.9%▲
2024 · 31.5%
ROA
36.2%▲
2024 · 12.1%
Debt
€707k▼
2024 · €850k
Debt ≤ 1 year
€359k▼
2024 · €364k
Debt > 1 year
€348k▼
2024 · €486k
Income taxes
€195k▲
2024 · €65k
Staff costs
€488k▲
2024 · €454k
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€1.38M€1.94M▲
Fixed assets21/28€848k€607k▼
Intangible fixed assets21€609k€505k▼
Tangible fixed assets22/27€240k€103k▼
Land and buildings22€100k-
Plant, machinery and equipment23€27k€18k▼
Furniture and vehicles24€113k€66k▼
Other tangible fixed assets26-€19k
Financial fixed assets28€30€30=
Current assets29/58€535k€1.33M▲
Amounts receivable within one year40/41€256k€123k▼
Trade receivables40€131k€122k▼
Other amounts receivable41€125k€1k▼
Current investments50/53-€900k
Cash at bank and in hand54/58€257k€287k▲
Deferred charges and accrued income490/1€22k€22k▲
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.94M▲
Equity10/15€534k€1.23M▲
Contributions10/11€20k€20k=
Reserves13€157k€157k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€156k€156k=
Profit (loss) carried forward14€357k€1.06M▲
Amounts payable17/49€850k€707k▼
Amounts payable after more than one year17€486k€348k▼
Financial debts170/4€486k€348k▼
Amounts payable within one year42/48€364k€359k▼
Current portion of amounts payable after more than one year42€83k€56k▼
Trade debts44€59k€84k▲
Suppliers440/4€59k€84k▲
Taxes, remuneration and social security45€67k€62k▼
Taxes450/3€16k€10k▼
Remuneration and social security454/9€51k€52k▲
Other amounts payable47/48€154k€156k▲
Income statement
Code20242025
Remuneration, social security and pensions62€454k€488k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€168k€130k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€869k€920k▲
Operating profit (loss)9901€244k€291k▲
Financial income75/76B€4k€629k▲
Recurring financial income75€4k€488▼
Non-recurring financial income76B-€628k
Financial charges65/66B€15k€23k▲
Recurring financial charges65€15k€23k▲
Profit (loss) for the period before taxes9903€233k€897k▲
Income taxes67/77€65k€195k▲
Profit (loss) for the period9904€168k€702k▲
Profit (loss) for the period to be appropriated9905€168k€702k▲
Appropriation of the result
Profit (loss) to be appropriated9906€358k€1.06M▲
Profit (loss) brought forward from the previous period14P€190k€357k▲
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
Social balance
Average headcount (FTE)90875.76.1▲
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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
31-12
Financial
Highest result since 2018net €702k ▲318%
Operating result €291k, net result €702k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.72
Current ratio from 1.47 to 3.72; short-term debt falls from €364k to €359k.
31-12
Financial
Equity above €1MEq €1.23M ▲131%
7 profitable years in a row build equity to €1.23M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €534k ▲45.3%
6 profitable years in a row build equity to €534k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 1.63
Current ratio from 0.79 to 1.63; short-term debt falls from €330k to €212k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €246k ▲123%
4 profitable years in a row build equity to €246k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €100kEq €110k ▲315%
3 profitable years in a row build equity to €110k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
31-12
Financial
Weakest financial yearnet €194 ▼51.4%
Net result drops to €194, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2021
Van de Voorde Patrick: Resigned as Director
30-12-2020
Stevelinck Gunther: Resigned as Director
30-12-2020
Van Buynder Dominique: Resigned as Director
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2011
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.
Gasthuisstraat 1429140 TemseGround area
1,014 m²
Building footprint
146 m²
Volume, LiDAR
882 m³
Parcel 46025B0739/00T002, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Assutron
since 20112.198.023.661
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0739/00T002 | Flanders | 1,014 m² | 1 · 146 m² | 10.5 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 · 3,068 EUR awarded · 3,069 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 871 EUR | 871 EUR |
| 2024 | 1 | 662 EUR | 662 EUR |
| 2023 | 1 | 1,035 EUR | 1,091 EUR |
| 2022 | 1 | 500 EUR | 445 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
HUPE
BE 0472.288.050
Fleurus · Eq €1.42M
WITMEUR ET CIE
BE 0479.689.942
Sprimont · Eq €868k
NICOLE JANSSEN
BE 0465.223.579
Maaseik · Eq €1.77M
DEHON & Associés
BE 0443.894.170
Ukkel · Eq €813k
ASSUR-WIN
BE 0501.679.248
Sint-Niklaas · Eq €809k
Of 65 companies in sector 65111 we hold annual accounts for 28. 15 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-04-2011
Fiscal year end31-12
Activities, NACEBEL
65111Insurance, reinsurance and pension funding, except compulsory social security
66220Insurance agents and brokers
65112Insurance, reinsurance and pension funding, except compulsory social security
65121Insurance, reinsurance and pension funding, except compulsory social security
65122Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.