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Complete company report
Generated 04-09-2026
Active BE 0627.920.095Private limited company

ASSUR VW

Stationsstraat 13 ·9690 Kluisbergen, Belgium· 11 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of ASSUR VW is 1.6% (moderate). The 2025 annual accounts show equity of €63k and a net result of €33k. The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €63k
Net result €33k
Active 11 yrs
Board 3
Financial profile 5 of 5 axes measured · computed by Checked
Health91Profitability100Solvency94Growth58Stability100
89 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 91
Profitability 100
Solvency 94
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.6% Moderate
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2015, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
91 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 22-07-2025 with the NBB · fiscal year 2025 · micro schema
€0€20k€40kOperating result 2024: €44k€44kNet result 2024: €32k€32kOperating result 2025: €46k€46kNet result 2025: €33k€33k20242025
Operating resultNet result
EBITDA
€64k
+2.3% 24-25
Net profit
€33k
+2.8% 24-25
Cash flow
€51k
+1.8% 24-25
Total assets
€129k
-8.1% 24-25
Equity
€63k
-3.0% 24-25
Working capital
€70k
+38.5% 24-25
Income taxes
€11k
+3.5% 24-25
Dividends
€35k
-29.8% 24-25
Debt
€66k
-12.7% 24-25
Debt ≤ 1y
€59k
-17.6% 24-25
Debt > 1y
€0
-100.0% 24-25
Current ratio
2.19
+28.3% 24-25
Quick ratio
2.19
+28.3% 24-25
Solvency
49.2%
+5.6% 24-25
Debt / equity
1.03
-10.0% 24-25
ROE
51.7%
+6.0% 24-25
ROA
25.4%
+11.9% 24-25
Interest coverage
30.25
-6.8% 24-25
Figures by fiscal year and ratios
Fiscal year2025
Depositmicro schema
Revenue-
EBITDA€64k
Net profit€33k
Cash flow€51k
Staff costs-
Income taxes€11k
Dividends€35k
Total assets€129k
Equity€63k
Debt€66k
of which ≤ 1y€59k
of which > 1y€0
Working capital€70k
Employees (FTE)-
Ratios (computed)
2025
Current ratio2.19
Quick ratio2.19
Working capital ratio54.4%
Solvency49.2%
Debt / equity1.03
Long-term debt ratio0.00
Interest coverage30.25
Gross margin-
Net margin-
ROA25.4%
ROE51.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€129k
Fixed assets 21/28€0
Intangible fixed assets 21€0
Current assets 29/58€129k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€94k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€129k
Equity 10/15€63k
Contributions / capital 10/11€40k
Reserves 13€23k
Accumulated profits (losses) 14€0
Amounts payable 17/49€66k
Amounts payable after one year 17€0
Amounts payable within one year 42/48€59k
Trade debts payable within one year 44€125
Income statement
Gross operating margin 9900€65k
Operating result 9901€46k
Financial charges 65€2k
Result before taxes 9903€44k
Income taxes 67/77€11k
Net result for the period 9904€33k
Result to be appropriated 9905€33k
Directors & mandates 4 directors
Current directors & mandates
  • Van Wambeke Peter
    Director
    State Gazette act 25006347 (14-01-2025)
    Current
    01-01-2025 → present
  • VAN WAMBEKE Koen André Joris Aimé
    Niet statutair bestuurder
    State Gazette act 23452096 (11-12-2023)
    Current
    11-12-2023 → present
  • VAN WAMBEKE Peter Marc Camiel Gerard
    Niet statutair bestuurder
    State Gazette act 23452096 (11-12-2023)
    Current
    11-12-2023 → present
Former directors (1)
  • VAN WAMBEKE Koen
    Director
    State Gazette act 25006347 (14-01-2025)
    Former
    - → 31-12-2024
Legal Structure
NACE primary -
Legal form Private limited company(610)
Incorporation03-04-2015
StatusActive
Postal code9690
Establishment units 2 locations
ASSUR VW
Leopoldstraat 62, 8580 AvelgemInsurance agents and brokers
since 20152.241.306.051
ASSUR VW
Stationsstraat 13, 9690 KluisbergenInsurance agents and brokers
since 20152.241.305.952
Real-estate footprint Source: CBE × cadastre
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34003A3178/00X002 Flanders 376 m² 1 · 123 m² 13.8 m · 3 fl.
45002A0271/00X000
ProtectedTownscape or village viewDorpskom BerchemSource ↗
 Flanders 217 m² 1 · 149 m² 11.8 m · 3 fl.
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 12 events
2016 2016: 1 NBB filing 2017 2017: 1 NBB filing 2018 2018: 1 NBB filing 2019 2019: 1 NBB filing 2020 2020: 1 NBB filing 2021 2021: 1 NBB filing 2022 2022: 1 NBB filing 2023 2023: 1 State Gazette act, 1 NBB filing 2024 2024: 1 NBB filing 2025 2025: 1 State Gazette act, 1 NBB filing
2025
22-07-2025 NBB filing Annual accounts filed
fiscal year 2025 · micro schema
14-01-2025 State Gazette act Director changes
No further detail in the source.
2024
28-06-2024 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2023
11-12-2023 State Gazette act Director changes
Floris Ghys
08-09-2023 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2022
13-09-2022 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2021
06-09-2021 NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2020
21-09-2020 NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2019
10-09-2019 NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2018
17-09-2018 NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09-2017 NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2016
27-09-2016 NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
14-01-2025 1 director appointed, 1 resigning Director changes
  • Van Wambeke Peter, Bestuurder
  • VAN WAMBEKE Koen, Bestuurder
Technical details 
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      "reason": "voluntary",
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      "effective_date": "2024-12-31",
      "evidence_quote": "Uit het verslag van de bijzondere algemene vergadering d.d. 20 december 2024 blijkt dat de heer VAN WAMBEKE Koen ontslag neemt als bestuurder met ingang vanaf 31 december 2024.",
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  "act_meta": {
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2023
11-12-2023 2 directors appointed Director changes·Floris Ghys
  • VAN WAMBEKE Koen André Joris Aimé, Niet statutair bestuurder
  • VAN WAMBEKE Peter Marc Camiel Gerard, Niet statutair bestuurder
Notary: Floris Ghys · Kluisbergen
Technical details 
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        "profession": null,
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    {
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      "via_org": {
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      "reason": null,
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  ],
  "notary": {
    "name": "Floris Ghys",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Kluisbergen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-11",
    "filing_date": "2023-12-06",
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  },
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  },
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  },
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    "Uitgifte van het proces-verbaal",
    "Geco\u00F6rdineerde statuten"
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  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL ASSUR VW
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative