Summary
AB Verzekeringen 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 €92k and a net result of €124k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 32% of 1475 sector peers (fiscal year 2025). The company has been active since 1983 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
58 d early
2023
57 d early
2022
6 d early
2021
4 d early
2020
12 d early
2019
18 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€92k▼ 53.4%
2024 · €198k
2018: €244k
2019: €249k
2020: €247k
2021: €293k
2022: €265k
2023: €306k
2024: €198k
2018 → 2025
Net result
€124k▲ 35.1%
2024 · €92k
2018: €-13k
2019: €6k
2020: €-2k
2021: €46k
2022: €137k
2023: €61k
2024: €92k
2018 → 2025
Total assets
€405k▼ 18.3%
2024 · €496k
2018: €672k
2019: €532k
2020: €530k
2021: €515k
2022: €526k
2023: €627k
2024: €496k
2018 → 2025
Solvency
22.8%▼ 17.1pp
2024 · 39.9%
2018: 36.2%
2019: 46.8%
2020: 46.6%
2021: 56.9%
2022: 50.4%
2023: 48.8%
2024: 39.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€293k-€265k▼ 9.4%€306k▲ 15.3%€198k▼ 35.3%€92k▼ 53.4%
Operating result€81k-€193k▲ 138%€83k▼ 57.1%€115k▲ 38.7%€166k▲ 44.4%
Net result€46k-€137k▲ 200%€61k▼ 55.9%€92k▲ 52.0%€124k▲ 35.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€93k ▼ 13.9%
Current assets
€311k ▼ 19.6%
Equity and liabilities €405k
Equity
€92k ▼ 53.4%
Debt
€313k ▲ 5.0%
Debt's share of the balance-sheet total rises from 60.1% to 77.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
134.7%▲
2024 · 46.5%
ROA
30.7%▲
2024 · 18.6%
Debt ≤ 1 year
€311k▲
2024 · €296k
Income taxes
€44k▲
2024 · €33k
Staff costs
€202k▲
2024 · €200k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€496k€405k▼
Fixed assets21/28€108k€93k▼
Intangible fixed assets21€2k€407▼
Tangible fixed assets22/27€103k€89k▼
Plant, machinery and equipment23€12k€14k▲
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€83k€73k▼
Financial fixed assets28€4k€4k=
Current assets29/58€387k€311k▼
Amounts receivable after more than one year29€200k-
Other amounts receivable291€200k-
Amounts receivable within one year40/41€161k€280k▲
Trade receivables40€41k€52k▲
Other amounts receivable41€121k€229k▲
Cash at bank and in hand54/58€20k€30k▲
Deferred charges and accrued income490/1€6k€1k▼
Equity and liabilities
Total equity and liabilities10/49€496k€405k▼
Equity10/15€198k€92k▼
Contributions10/11€19k€19k=
Reserves13€179k€74k▼
Distributable reserves133€179k€74k▼
Amounts payable17/49€298k€313k▲
Amounts payable within one year42/48€296k€311k▲
Current portion of amounts payable after more than one year42€26k-
Financial debts43€8k-
Credit institutions430/8€8k-
Trade debts44€8k€17k▲
Suppliers440/4€8k€17k▲
Advances received on contracts in progress46€848€373▼
Taxes, remuneration and social security45€52k€63k▲
Taxes450/3€15k€32k▲
Remuneration and social security454/9€37k€31k▼
Other amounts payable47/48€200k€230k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€200k€202k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€21k▼
Other operating charges640/8€972€894▼
Gross operating margin9900€342k€390k▲
Operating profit (loss)9901€115k€166k▲
Financial income75/76B€14k€5k▼
Recurring financial income75€14k€5k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€125k€168k▲
Income taxes67/77€33k€44k▲
Profit (loss) for the period9904€92k€124k▲
Profit (loss) for the period to be appropriated9905€92k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€92k€124k▲
Transfer from equity791/2€108k€106k▼
Profit to be distributed694/7€200k€230k▲
Return on contributions (dividend)694€200k€230k▲
Social balance
Average headcount (FTE)90873.13.2▲
The notes to these accounts (12 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €137k ▲200%
Operating result €193k, net result €137k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Dessel · 1 establishment unit since 1983
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.
Molsebaan 3F2480 DesselGround area
3,976 m²
Building footprint
690 m²
Volume, LiDAR
6,975 m³
Parcel 13006E1062/00E002, Flanders · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AB Verzekeringen
since 19832.110.217.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006E1062/00E002 | Flanders | 3,976 m² | 1 · 690 m² | 15.2 m · 4 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.
Similar companies · same sector, comparable size
PLM CONSULTING
BE 0800.909.303
Hoeilaart · Eq €92,385
FALK INVEST
BE 0898.586.521
Gent · Eq €92,520
Verzekeringskantoor Gysemans
BE 0420.162.032
Heist-op-den-Berg · Eq €92,050
DESCHAMPS-MASSART
BE 0829.163.918
Walcourt · Eq €91,998
ASSURITIE
BE 0473.386.625
Hasselt · Eq €92,878
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,668 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-1983
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.