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Complete company report
Generated 03-09-2026
Active BE 0823.290.666Private limited company

ASSURANCES MICHEZ

Rue Guillaume Charlier(TOU) 151 ·7500 Tournai, Belgium· 16 yrs active
Sector: Activiteiten van verzekeringsagenten en -makelaars (66220)
Conclusion Checked

ASSURANCES MICHEZ 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 €501k and a net result of €120k. The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €501k
Net result €120k
Active 16 yrs
Locations 1
Financial profile 4 of 5 axes measured · computed by Checked
Health-Profitability100Solvency99Growth78Stability100
94 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 99
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2010, 16 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
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.
Financial overview15 NBB filings
Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
€0€50k€100k€150kOperating result 2024: €89k€89kNet result 2024: €65k€65kOperating result 2025: €126k€126kNet result 2025: €120k€120k20242025
Operating resultNet result
Net profit
€120k
+85.0% 24-25
Total assets
€810k
+8.0% 24-25
Equity
€501k
+36.5% 24-25
Staff costs
€33k
-14.3% 24-25
Income taxes
€17k
- 24-25
Debt
€308k
-19.4% 24-25
Debt ≤ 1y
€64k
+21.9% 24-25
Debt > 1y
€244k
-26.0% 24-25
Solvency
61.9%
+26.4% 24-25
ROE
23.9%
+35.5% 24-25
ROA
14.8%
+71.3% 24-25
Figures by fiscal year and ratios
Fiscal year2025
Depositabbreviated schema
Revenuen/a
EBITDAn/a
Net profit€120k
Cash flown/a
Staff costs€33k
Income taxes-
Dividends-
Total assets€810k
Equity€501k
Debt€308k
of which ≤ 1y€64k
of which > 1y€244k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency61.9%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA14.8%
ROE23.9%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€810k
Fixed assets 21/28€506k
Tangible fixed assets 22/27€506k
Current assets 29/58€303k
Amounts receivable within one year 40/41€76k
Investments 50/53€170k
Cash & bank 54/58€57k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€810k
Equity 10/15€501k
Contributions / capital 10/11€6k
Reserves 13€172k
Accumulated profits (losses) 14€323k
Amounts payable 17/49€308k
Amounts payable after one year 17€244k
Amounts payable within one year 42/48€64k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€210k
Operating result 9901€126k
Financial income 75€996
Financial charges 65€7k
Result before taxes 9903€120k
Net result for the period 9904€120k
Result to be appropriated 9905€120k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van verzekeringsagenten en -makelaars(66220)
Legal form Private limited company(610)
Incorporation19-02-2010
StatusActive
Postal code7500
Establishment units 1 location
Assurances Michez
Rue Guillaume Charlier(TOU) 151, 7500 TournaiHandelsbemiddeling in de niet-gespecialiseerde groothandel
since 20102.185.213.921
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
57462A0096/00B002 Wallonia 1,389 m² 1 · 142 m² 5.4 m · 1 fl.
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.
Updates 11 events
2026
31-08-2026 NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-07-2025 NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
31-07-2024 NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
23-11-2023 State Gazette act Director changes
Valentin Delwart
28-07-2023 NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
27-07-2022 NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
27-07-2021 NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
29-07-2020 NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
30-07-2019 NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
31-07-2018 NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
28-07-2017 NBB filing Annual accounts filed
fiscal year 2016 · full schema
Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 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 1 acts
All acts · 1 updated 2 years ago
2023
23-11-2023 Board composition published Director changes·Valentin Delwart
Notary: Valentin Delwart · Tournai
Technical details 
{
  "events": [
    {
      "kind": "substantive_delegation",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "Matthieu MICHEZ",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "additional",
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": null,
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "Valentin Delwart",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Tournai",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-11-23",
    "filing_date": "2023-11-21",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-10-20",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0823.290.666",
    "name_full": "ASSURANCES MICHEZ",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Valentin DELWART",
    "org_rep_person_name": null,
    "person_role_at_subject": "Notaire"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Activiteiten van verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
Legal nameFR ASSURANCES MICHEZ
Registered office
Rue Guillaume Charlier(TOU) 151
7500 Tournai, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative