Summary
Dincassur 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 €184k and a net result of €426. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 1475 sector peers (fiscal year 2025). The company has been active since 1982 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
31 d late
2022
85 d late
2021
2 d early
2020
1 d early
2019
68 d late
← 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
€184k▲ 0.2%
2024 · €183k
2018: €150k
2019: €151k
2020: €154k
2021: €172k
2022: €173k
2023: €173k
2024: €183k
2018 → 2025
Net result
€426▼ 95.9%
2024 · €10k
2018: €1k
2019: €867
2020: €2k
2021: €19k
2022: €213
2023: €189
2024: €10k
2018 → 2025
Total assets
€935k▲ 6.6%
2024 · €877k
2018: €664k
2019: €493k
2020: €532k
2021: €576k
2022: €513k
2023: €930k
2024: €877k
2018 → 2025
Solvency
19.6%▼ 1.2pp
2024 · 20.9%
2018: 22.6%
2019: 30.7%
2020: 28.9%
2021: 29.9%
2022: 33.6%
2023: 18.6%
2024: 20.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€173k▲ 0.1%€173k▲ 0.1%€183k▲ 6.0%€184k▲ 0.2%
Operating result€32k-€8k▼ 76.1%€22k▲ 185%€43k▲ 94.7%€28k▼ 34.3%
Net result€19k-€213▼ 98.9%€189▼ 11.0%€10k▲ 5,345%€426▼ 95.9%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €935k
Fixed assets
€168k ▼ 28.0%
Current assets
€768k ▲ 19.1%
Equity and liabilities €935k
Equity
€184k ▲ 0.2%
Debt
€752k ▲ 8.3%
Debt's share of the balance-sheet total rises from 79.1% to 80.4%. Equity and debt are higher.
Key figures and ratios
ROE
0.2%▼
2024 · 5.6%
ROA
0.0%▼
2024 · 1.2%
Debt ≤ 1 year
€498k▲
2024 · €421k
Debt > 1 year
€253k▼
2024 · €273k
Income taxes
€9k▼
2024 · €12k
Staff costs
€316k▲
2024 · €293k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€877k€935k▲
Fixed assets21/28€233k€168k▼
Intangible fixed assets21€126k€82k▼
Tangible fixed assets22/27€105k€84k▼
Furniture and vehicles24€51k€37k▼
Other tangible fixed assets26€54k€48k▼
Financial fixed assets28€2k€2k=
Current assets29/58€645k€768k▲
Amounts receivable within one year40/41€490k€572k▲
Trade receivables40€60k€60k▼
Other amounts receivable41€430k€512k▲
Cash at bank and in hand54/58€150k€188k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€877k€935k▲
Equity10/15€183k€184k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€120k€120k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€114k€114k=
Profit (loss) carried forward14€743€1k▲
Amounts payable17/49€694k€752k▲
Amounts payable after more than one year17€273k€253k▼
Financial debts170/4€273k€253k▼
Amounts payable within one year42/48€421k€498k▲
Current portion of amounts payable after more than one year42€53k€65k▲
Trade debts44€309k€371k▲
Suppliers440/4€309k€371k▲
Taxes, remuneration and social security45€59k€61k▲
Taxes450/3€12k€9k▼
Remuneration and social security454/9€47k€53k▲
Accrued charges and deferred income492/3€381€541▲
Income statement
Code20242025
Remuneration, social security and pensions62€293k€316k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€72k▲
Other operating charges640/8€387€1k▲
Gross operating margin9900€406k€417k▲
Operating profit (loss)9901€43k€28k▼
Financial income75/76B€25€48▲
Recurring financial income75€25€48▲
Financial charges65/66B€21k€19k▼
Recurring financial charges65€21k€19k▼
Profit (loss) for the period before taxes9903€22k€9k▼
Income taxes67/77€12k€9k▼
Profit (loss) for the period9904€10k€426▼
Profit (loss) for the period to be appropriated9905€10k€426▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€1k▼
Profit (loss) brought forward from the previous period14P€638€743▲
Transfer to equity691/2€10k-
To other reserves6921€10k-
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €189 ▼11%
Net result drops to €189, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 1.56
Current ratio from 0.54 to 1.56.
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €19k ▲676%
Net result €19k, the highest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
26-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 26 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Charleroi · 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.
Faubourg de Charleroi 16041 CharleroiGround area
1,645 m²
Building footprint
135 m²
Volume, LiDAR
1,748 m³
Parcel 52028D0192/00N000, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DINCASSUR
since 19832.021.363.204
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028D0192/00N000 | Wallonia | 1,645 m² | 1 · 135 m² | 14.7 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
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AJL-BCA
BE 0476.138.059
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NACORA INSURANCE BROKERS
BE 0457.398.649
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GO INVEST
BE 0443.998.296
Saint-Hubert · Eq €182,944
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,834 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 formPublic limited company
Founded03-12-1982
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.