Summary
Aléas 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 €71,714 and a net result of €162,470. Equity has been stable since 2018 (±0.5% per year). Its solvency ranks better than 43% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
Source: KBO- Status
- Active since 29-03-2001 Normal situation
- Activity
- Insurance agents and brokers NACE 66220
- Joint committee
- 307 Paritair Comité voor de makelarij en verzekeringsagentschappen · annual accounts 2024
- Establishment units
- 2.093.389.662 4431 Ans, since 26-12-2001
- 2.259.687.452 4600 Visé, since 22-12-2016
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Board and ownership
Board
- CINDY DELNOOZ ASSURANCESManaging director
- LIONEL LACROIX ASSURANCESDaily manager
- LIM ASSUR SRLDirector
Shareholders
- LIM ASSUR64.8%2025 annual accounts of LIM ASSUR
- CINDY DELNOOZ ASSURANCES35.2%2025 annual accounts of CINDY DELNOOZ ASSURANCES
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €162,470
- ▲ 9.5%
- Equity
- €71,714
- ▲ 21.0%
- Total assets
- €220,804
- ▼ 16.2%
- Employees on 31-12-2025
- 3
- ▲ 50.0%
- 2025 accounts filed 25 days after the deadline
Filed on 25-08-2026
SignalsneutralA punctual record breaksShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
1 signal.
neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
25 days late
2024
64 days early
2023
5 days early
2022
66 days early
2021
41 days early
2020
120 days early
2019
84 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 51 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 June (4 of the last 5 accounts filed within 37 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
Recent changes
- · Gazette deed Appointment: LIONEL LACROIX ASSURANCES (director)Permanent representative: Lionel Lacroix
- · Gazette deed Resignation: S.R.L. CARABIN ORNELLA ASSURANCES (director)Permanent representative: Jean-Christophe VRONEN
- · Gazette deed Appointment: CINDY DELNOOZ ASSURANCES SRL (director)Permanent representatives: Cindy DELNOOZ and VRONEN-Jean-Christophe
Comparable companies
These companies have the same main activity as Aléas Assurances: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €196,000 and €366,000, founded between 1995 and 2004.
| Company | Total assets | Gross margin |
|---|---|---|
| Aléas Assurances Ans | €220,804 | €422,019 |
| L.S.P. Verviers | €220,968 | €283,260 |
| B.A.L. CONSEILS Visé | €338,500 | €355,775 |
| ABS ASSURANCES Aubel | €212,892 | €209,524 |
| Assurances Debey Welkenraedt | €366,393 | €405,363 |
| BASTIN ASSURFINANCES Assesse | €337,215 | €428,985 |
| Sertas Sint-Martens-Latem | €196,413 | €246,708 |
Key facts about Aléas Assurances
- What is the company number of Aléas Assurances?
- The company number of Aléas Assurances is 0474.450.358. The VAT number is the same number with BE in front: BE 0474.450.358.
- Where is Aléas Assurances based?
- The registered office is at Rue Edouard Colson 287, 4431 Ans.Company details
- What does Aléas Assurances do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of Aléas Assurances?
- The legal form of Aléas Assurances is Private limited company (BV).
- When was Aléas Assurances founded?
- Aléas Assurances was founded on 29-03-2001.
- Is Aléas Assurances still active?
- Yes, Aléas Assurances is an active enterprise in the KBO register.
- How many employees does Aléas Assurances have?
- Aléas Assurances had an average of 2.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Aléas Assurances fall under?
- In its 2024 annual accounts, Aléas Assurances states joint committee 307 (Paritair Comité voor de makelarij en verzekeringsagentschappen).
- What is the turnover of Aléas Assurances?
- The turnover in financial year 2025 is ≈ €670,000. This figure is estimated from the gross margin of €422,019 and 31 comparable companies (NACE 66). It probably lies between €610,000 and €780,000.
- Is Aléas Assurances profitable?
- In financial year 2025, Aléas Assurances made a profit of €162,470.
- Where can I find the annual accounts of Aléas Assurances?
- Aléas Assurances filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Aléas Assurances due?
- Aléas Assurances must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check
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