GDH Assur 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 €289k and a net result of €355k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 27% of 490 sector peers (fiscal year 2025). The company has been active since 2014 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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
62 d early
2023
77 d early
2022
59 d early
2021
48 d early
2020
53 d early
2019
58 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€289k=
2024 · €289k
2018: €200k
2019: €200k
2020: €432k
2021: €377k
2022: €377k
2023: €289k
2024: €289k
2018 → 2025
Net result
€355k▲ 24.1%
2024 · €286k
2018: €71k
2019: €103k
2020: €198k
2021: €215k
2022: €195k
2023: €285k
2024: €286k
2018 → 2025
Total assets
€1.48M▲ 1.0%
2024 · €1.47M
2018: €409k
2019: €783k
2020: €1.12M
2021: €1.04M
2022: €1.05M
2023: €1.67M
2024: €1.47M
2018 → 2025
Solvency
19.5%▼ 0.2pp
2024 · 19.7%
2018: 48.8%
2019: 25.5%
2020: 38.5%
2021: 36.2%
2022: 35.8%
2023: 17.3%
2024: 19.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€377k-€377k=€289k▼ 23.2%€289k=€289k=
Operating result€295k-€273k▼ 7.4%€395k▲ 44.9%€410k▲ 3.8%€507k▲ 23.7%
Net result€215k-€195k▼ 9.2%€285k▲ 46.4%€286k▲ 0.3%€355k▲ 24.1%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.06M▼ 5.7%
Current assets
€423k▲ 22.8%
Equity and liabilities €1.48M
Equity
€289k=
Debt
€1.20M▲ 1.2%
The debt ratio rises from 80.3% to 80.5%. Debt is higher.
Key figures and ratios
Solvency
19.5%▼
2024 · 19.7%
ROE
122.9%▲
2024 · 98.9%
ROA
23.9%▲
2024 · 19.5%
Debt
€1.20M▲
2024 · €1.18M
Debt ≤ 1 year
€515k▲
2024 · €440k
Debt > 1 year
€680k▼
2024 · €741k
Income taxes
€135k▲
2024 · €106k
Staff costs
€263k▲
2024 · €194k
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€1.47M€1.48M▲
Formation expenses20€0€0=
Fixed assets21/28€1.13M€1.06M▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€1.13M€1.06M▼
Land and buildings22€1.05M€1.01M▼
Furniture and vehicles24€72k€51k▼
Current assets29/58€345k€423k▲
Amounts receivable within one year40/41€68k€78k▲
Trade receivables40€68k€78k▲
Other amounts receivable41€0€0=
Current investments50/53€220k€201k▼
Cash at bank and in hand54/58€54k€141k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.47M€1.48M▲
Equity10/15€289k€289k=
Contributions10/11€16k€16k=
Profit (loss) carried forward14€273k€273k=
Amounts payable17/49€1.18M€1.20M▲
Amounts payable after more than one year17€741k€680k▼
Financial debts170/4€741k€680k▼
Amounts payable within one year42/48€440k€515k▲
Current portion of amounts payable after more than one year42€117k€103k▼
Trade debts44€16k€20k▲
Suppliers440/4€16k€20k▲
Taxes, remuneration and social security45€17k€37k▲
Taxes450/3€2k€12k▲
Remuneration and social security454/9€15k€24k▲
Other amounts payable47/48€289k€356k▲
Income statement
Code20242025
Non-recurring operating income76A€10k-
Remuneration, social security and pensions62€194k€263k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€66k▲
Other operating charges640/8€243€251▲
Non-recurring operating charges66A€10k-
Gross operating margin9900€681k€837k▲
Operating profit (loss)9901€410k€507k▲
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€24k€22k▼
Recurring financial charges65€24k€22k▼
Profit (loss) for the period before taxes9903€392k€491k▲
Income taxes67/77€106k€135k▲
Profit (loss) for the period9904€286k€355k▲
Profit (loss) for the period to be appropriated9905€286k€355k▲
Appropriation of the result
Profit (loss) to be appropriated9906€559k€628k▲
Profit (loss) brought forward from the previous period14P€273k€273k=
Profit to be distributed694/7€286k€355k▲
Return on contributions (dividend)694€286k€355k▲
Social balance
Average headcount (FTE)90873.94.3▲
The notes to these accounts (16 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €355k ▲24.1%
Operating result €507k, net result €355k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
15-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €200kEq €432k ▲117%
3 profitable years in a row build equity to €432k.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Genappe · 2 establishment units since 2014
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.
Chaussée de Bruxelles 31470 GenappeGround area
1,062 m²
Building footprint
206 m²
Volume, LiDAR
956 m³
2 parcels, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Girboux - Derval
since 20142.233.152.905
Faubourg de Mons 64, 1400 Nivelles
since 20242.358.481.754
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003D0038/00L000 | Wallonia | 691 m² | 1 · 206 m² | 7.2 m · 2 fl. |
| 25783E0313/00Y000 | Wallonia | 370 m² | - | - |
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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,761 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2014
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.