IDEAL ASSUR
ActiveSummary
IDEAL ASSUR has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €550k and a net result of €-34k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 49% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-39
Solvency80▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 4.45 in 2024; short-term debt: 14.3% of total assets), and 45.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 08-04-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
114 d early
2024
153 d early
2023
61 d late
2022
49 d late
2021
1 d late
2020
182 d early
2019
81 d early
← 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, micro schema
Equity
€550k▼ 5.9%
2024 · €584k
2018: €640k
2019: €597k
2020: €614k
2021: €582k
2022: €637k
2023: €566k
2024: €584k
2018 → 2025
Total assets
€1.00M▲ 0.3%
2024 · €998k
2018: €1.53M
2019: €1.46M
2020: €1.19M
2021: €1.14M
2022: €967k
2023: €874k
2024: €998k
2018 → 2025
Net result
€-34k
2024 · €18k
2018: €388k
2019: €-43k
2020: €16k
2021: €-31k
2022: €55k
2023: €-71k
2024: €18k
2018 → 2025
Working capital
€294k▼ 26.3%
2024 · €399k
2018: €616k
2019: €544k
2020: €612k
2021: €534k
2022: €455k
2023: €427k
2024: €399k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€582k-€637k▲ 9.4%€566k▼ 11.1%€584k▲ 3.1%€550k▼ 5.9%
Operating result€-23k-€78k€-66k€27k€-23k
Net result€-31k-€55k€-71k€18k€-34k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €23k after €27k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.00M
Fixed assets
€564k ▲ 16.6%
Current assets
€437k ▼ 15.0%
Equity and liabilities €1.00M
Equity
€550k ▼ 5.9%
Debt
€452k ▲ 9.0%
Debt's share of the balance-sheet total rises from 41.5% to 45.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €58k
Cash flow
€19k▼
2024 · €49k
Current ratio
3.05▼
2024 · 4.45
Debt to equity
0.82▲
2024 · 0.71
ROE
-6.2%▼
2024 · 3.0%
ROA
-3.4%▼
2024 · 1.8%
Interest coverage
2.12▼
2024 · 6.53
Debt ≤ 1 year
€143k▲
2024 · €115k
Debt > 1 year
€304k▲
2024 · €296k
Income taxes
€670▲
2024 · €150
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€998k€1.00M▲
Fixed assets21/28€484k€564k▲
Tangible fixed assets22/27€484k€564k▲
Land and buildings22€403k€526k▲
Plant, machinery and equipment23€32k€219▼
Furniture and vehicles24€49k€38k▼
Current assets29/58€514k€437k▼
Amounts receivable within one year40/41€494k€435k▼
Trade receivables40€4k€2k▼
Other amounts receivable41€490k€433k▼
Cash at bank and in hand54/58€18k-
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€998k€1.00M▲
Equity10/15€584k€550k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€576k€542k▼
Amounts payable17/49€414k€452k▲
Amounts payable after more than one year17€296k€304k▲
Financial debts170/4€296k€304k▲
Amounts payable within one year42/48€115k€143k▲
Current portion of amounts payable after more than one year42€52k€47k▼
Financial debts43€8k€27k▲
Credit institutions430/8€8k€27k▲
Trade debts44€27k€32k▲
Suppliers440/4€27k€32k▲
Taxes, remuneration and social security45€750€6k▲
Taxes450/3€750€6k▲
Other amounts payable47/48€28k€31k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€54k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€61k€36k▼
Operating profit (loss)9901€27k€-23k▼
Financial income75/76B€1€4k▲
Recurring financial income75€1€4k▲
Financial charges65/66B€9k€14k▲
Recurring financial charges65€9k€14k▲
Profit (loss) for the period before taxes9903€18k€-34k▼
Income taxes67/77€150€670▲
Profit (loss) for the period9904€18k€-34k▼
Profit (loss) for the period to be appropriated9905€18k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€576k€542k▼
Profit (loss) brought forward from the previous period14P€558k€576k▲
The notes to these accounts (8 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €-71k ▼229%
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 49 days late
2022
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 11.45
Current ratio from 2.84 to 11.45; short-term debt falls from €296k to €59k.
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
08-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
01-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 123 days late
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, Libramont-Chevigny · 2 establishment units since 1998
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.
Libramont,Rue Courteroie 36800 Libramont-Chevigny2 establishment units
Libramont,Rue Courteroie 3, 6800 Libramont-Chevigny
since 19982.085.557.408
IDEAL ASSUR
since 20232.351.726.495
Similar companies · same sector, comparable size
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DSQ
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 33,882 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 formPrivate limited company
Founded17-10-1997
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
55203Holiday cottages, homes and apartments
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filings
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:061/65.81.03
Fax:061/210.310