ASSURANCES IMBERECHTS 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 €219k and a net result of €20k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 1471 sector peers (fiscal year 2025). The company has been active since 1990 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
11 d late
2023
29 d early
2022
19 d early
2021
2 d early
2020
38 d early
2019
4 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€219k▲ 1.8%
2024 · €216k
2018: €155k
2019: €159k
2020: €166k
2021: €178k
2022: €192k
2023: €199k
2024: €216k
2018 → 2025
Net result
€20k▲ 19.2%
2024 · €17k
2018: €3k
2019: €4k
2020: €7k
2021: €12k
2022: €13k
2023: €7k
2024: €17k
2018 → 2025
Total assets
€249k▲ 8.9%
2024 · €229k
2018: €176k
2019: €168k
2020: €171k
2021: €206k
2022: €219k
2023: €214k
2024: €229k
2018 → 2025
Solvency
88.0%▼ 6.2pp
2024 · 94.2%
2018: 88.2%
2019: 94.8%
2020: 97.1%
2021: 86.4%
2022: 87.3%
2023: 92.9%
2024: 94.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€178k-€192k▲ 7.4%€199k▲ 3.8%€216k▲ 8.4%€219k▲ 1.8%
Operating result€16k-€18k▲ 14.8%€10k▼ 42.3%€24k▲ 130%€22k▼ 9.0%
Net result€12k-€13k▲ 7.8%€7k▼ 44.6%€17k▲ 127%€20k▲ 19.2%
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 falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€3k▼ 71.1%
Current assets
€246k▲ 12.5%
Equity and liabilities €249k
Equity
€219k▲ 1.8%
Debt
€30k▲ 124%
The debt ratio rises from 5.8% to 12.0%. Equity and debt are higher.
Key figures and ratios
Solvency
88.0%▼
2024 · 94.2%
ROE
9.0%▲
2024 · 7.7%
ROA
8.0%▲
2024 · 7.3%
Debt
€30k▲
2024 · €13k
Debt ≤ 1 year
€30k▲
2024 · €12k
Debt > 1 year
€0▼
2024 · €1k
Income taxes
€2k▼
2024 · €7k
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€229k€249k▲
Fixed assets21/28€10k€3k▼
Tangible fixed assets22/27€10k€3k▼
Furniture and vehicles24€10k€3k▼
Current assets29/58€219k€246k▲
Amounts receivable within one year40/41€51k€72k▲
Trade receivables40€22k€25k▲
Other amounts receivable41€29k€47k▲
Current investments50/53€99k€99k▲
Cash at bank and in hand54/58€69k€75k▲
Deferred charges and accrued income490/1€582€0▼
Equity and liabilities
Total equity and liabilities10/49€229k€249k▲
Equity10/15€216k€219k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€209k€213k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€208k€211k▲
Amounts payable17/49€13k€30k▲
Amounts payable after more than one year17€1k€0▼
Financial debts170/4€1k€0▼
Amounts payable within one year42/48€12k€30k▲
Current portion of amounts payable after more than one year42€4k€1k▼
Trade debts44€687€895▲
Suppliers440/4€687€895▲
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€8k€8k=
Taxes450/3€8k€8k=
Other amounts payable47/48€0€16k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€3k€4k▲
Gross operating margin9900€34k€33k▼
Operating profit (loss)9901€24k€22k▼
Financial income75/76B€279€477▲
Recurring financial income75€279€477▲
Financial charges65/66B€819€972▲
Recurring financial charges65€819€972▲
Profit (loss) for the period before taxes9903€23k€21k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€17k€20k▲
Profit (loss) for the period to be appropriated9905€17k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€20k▲
Transfer to equity691/2€17k€4k▼
To other reserves6921€17k€4k▼
Profit to be distributed694/7-€16k
Directors or managers695-€16k
The notes to these accounts (4 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €20k ▲19.2%
Net result €20k, the highest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Equity above €200kEq €216k ▲8.4%
7 profitable years in a row build equity to €216k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 34.96
Current ratio from 11.78 to 34.96; short-term debt falls from €13k to €4k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jodoigne · 1 establishment unit since 1990
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 Baty(Lat.) 331370 JodoigneGround area
2,624 m²
Building footprint
178 m²
Volume, LiDAR
1,237 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Hemptinne(Lat.) 1, 1370 Jodoigne
since 19902.048.271.794
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25052A0383/00B000 | Wallonia | 1,442 m² | 1 · 114 m² | 7.8 m · 2 fl. |
| 25052C0408/00C002 | Wallonia | 1,182 m² | 1 · 64 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteJodoigne2.048.271.794
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-1990
Fiscal year end31-12
Activities, NACEBEL
01110Growing of cereals (except rice), leguminous crops and oil seeds
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.