VANO ASSUR
ActiveVANO ASSUR 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 €13k and a net result of €-31k. Equity is shrinking by ~24% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 10% of 2425 sector peers (fiscal year 2025). The company has been active since 2022 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2425 sector peers (2025).
NBB · sector comparisonPosition among 2425 sector peers
Solvency
better than 10%
← 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 27-08-2026, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
57 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▼ 70.8%
2024 · €44k
2023: €25k
2024: €44k
2023 → 2025
Net result
€-31k
2024 · €19k
2023: €20k
2024: €19k
2023 → 2025
Total assets
€505k▼ 13.7%
2024 · €585k
2023: €635k
2024: €585k
2023 → 2025
Solvency
2.5%▼ 4.9pp
2024 · 7.5%
2023: 3.9%
2024: 7.5%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€25k-€44k▲ 77.7%€13k▼ 70.8%
Operating result€35k-€37k▲ 5.3%€-22k
Net result€20k-€19k▼ 2.5%€-31k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22k after €37k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €505k
Fixed assets
€420k▼ 12.8%
Current assets
€84k▼ 17.9%
Equity and liabilities €505k
Equity
€13k▼ 70.8%
Debt
€492k▼ 9.1%
The debt ratio rises from 92.5% to 97.5%. Equity and debt are lower.
Key figures and ratios
Solvency
2.5%▼
2024 · 7.5%
ROE
-241.9%▼
2024 · 43.7%
ROA
-6.1%▼
2024 · 3.3%
Debt
€492k▼
2024 · €541k
Debt ≤ 1 year
€120k▲
2024 · €95k
Debt > 1 year
€371k▼
2024 · €445k
Income taxes
€508▼
2024 · €8k
Staff costs
€157k▲
2024 · €102k
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€585k€505k▼
Fixed assets21/28€482k€420k▼
Intangible fixed assets21€444k€389k▼
Tangible fixed assets22/27€38k€31k▼
Furniture and vehicles24€38k€31k▼
Financial fixed assets28€563€563=
Current assets29/58€103k€84k▼
Amounts receivable within one year40/41€93k€41k▼
Trade receivables40€17k€4k▼
Other amounts receivable41€76k€37k▼
Cash at bank and in hand54/58€4k€39k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€585k€505k▼
Equity10/15€44k€13k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€39k€8k▼
Amounts payable17/49€541k€492k▼
Amounts payable after more than one year17€445k€371k▼
Financial debts170/4€445k€371k▼
Amounts payable within one year42/48€95k€120k▲
Current portion of amounts payable after more than one year42€47k€49k▲
Trade debts44€18k€29k▲
Suppliers440/4€18k€29k▲
Taxes, remuneration and social security45€30k€42k▲
Taxes450/3€8k€8k▲
Remuneration and social security454/9€22k€34k▲
Accrued charges and deferred income492/3€545€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€102k€157k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€69k▲
Other operating charges640/8€7k€8k▲
Non-recurring operating charges66A-€695
Gross operating margin9900€214k€213k▼
Operating profit (loss)9901€37k€-22k▼
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€27k€-30k▼
Income taxes67/77€8k€508▼
Profit (loss) for the period9904€19k€-31k▼
Profit (loss) for the period to be appropriated9905€19k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€8k▼
Profit (loss) brought forward from the previous period14P€20k€39k▲
The notes to these accounts (17 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-31k ▼262%
Net result drops to €-31k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Andenne · 1 establishment unit since 2023
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.
Rue du Pont 35300 AndenneGround area
467 m²
Building footprint
103 m²
Parcel 92402G0185/00P008, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Pont 3, 5300 Andenne
since 20232.339.263.480
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92402G0185/00P008 | Wallonia | 467 m² | 1 · 103 m² | - |
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.
Similar companies · same sector, comparable size
ALGEMENE VERZEKERINGS- EN BANKPRODUCTEN
BE 0785.686.538
Tongeren-Borgloon · Eq €13k
HOOFD & VERTOMMEN
BE 0465.968.994
Bornem · Eq €13k
DVV-Meetjesland
BE 0548.919.337
Eeklo · Eq €13k
Lucaja Consult
BE 0731.701.781
Hasselt · Eq €13k
I4G Partners
BE 0849.478.191
Oud-Heverlee · Eq €13k
Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 1,181 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2022
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.