INSURIMO
ActiveINSURIMO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 81% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▲+16
Solvency98▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
cash: 88.1% of total assets, and 26.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
73.2%
Return on assets
-8.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-8k
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
29 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
94 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▼ 10.7%
2024 · €73k
2018: €216k
2019: €296k
2020: €475k
2021: €512k
2022: €508k
2023: €624k
2024: €73k
2018 → 2025
Total assets
€89k▼ 14.4%
2024 · €105k
2018: €1.71M
2019: €1.70M
2020: €1.67M
2021: €1.32M
2022: €925k
2023: €733k
2024: €105k
2018 → 2025
Net result
€-8k▲ 98.6%
2024 · €-551k
2018: €24k
2019: €140k
2020: €224k
2021: €-96k
2022: €-4k
2023: €167k
2024: €-551k
2018 → 2025
Working capital
€97k▼ 29.0%
2023 · €137k
2018: €-697k
2019: €-614k
2020: €-455k
2021: €-382k
2022: €-183k
2023: €137k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€512k-€508k▼ 0.8%€624k▲ 23.0%€73k▼ 88.3%€65k▼ 10.7%
Operating result€-45k-€-4k▲ 91.1%€201k€-53k€-8k▲ 84.1%
Net result€-96k-€-4k▲ 95.7%€167k€-551k€-8k▲ 98.6%
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 stays negative: a loss of €8k in 2025 against €53k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €89k
Equity
€65k▼ 10.7%
Provisions
€24k=
Debt
€411▼ 94.6%
The debt ratio falls from 7.3% to 0.5%. Equity and debt are lower.
Key figures and ratios
Solvency
73.2%▲
2024 · 70.1%
Debt / equity
0.01▼
2024 · 0.10
ROE
-12.0%▲
2024 · -751.2%
ROA
-8.8%▲
2024 · -527.0%
Debt
€411▼
2024 · €8k
Income taxes
€66▼
2024 · €5k
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€105k€89k▼
Current assets29/58€105k€89k▼
Amounts receivable within one year40/41€14k€11k▼
Trade receivables40€5k€4k▼
Other amounts receivable41€9k€6k▼
Cash at bank and in hand54/58€90k€79k▼
Equity and liabilities
Total equity and liabilities10/49€105k€89k▼
Equity10/15€73k€65k▼
Contributions10/11€20k€20k=
Reserves13€232k€232k=
Distributable reserves133€232k€232k=
Profit (loss) carried forward14€-178k€-186k▼
Provisions and deferred taxes16€24k€24k=
Provisions for liabilities and charges160/5€24k€24k=
Environmental obligations163€24k€24k=
Amounts payable17/49€8k€411▼
Amounts payable within one year42/48€8k-
Trade debts44€499-
Suppliers440/4€499-
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€5k-
Accrued charges and deferred income492/3-€411
Income statement
Code20242025
Non-recurring operating income76A€11k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€196-
Provisions for liabilities and charges: additions (uses and reversals)635/8€24k-
Other operating charges640/8€3k€610▼
Gross operating margin9900€-26k€-8k▲
Operating profit (loss)9901€-53k€-8k▲
Financial income75/76B€196€745▲
Recurring financial income75€196€745▲
Financial charges65/66B€493k€56▼
Recurring financial charges65€493k€56▼
Profit (loss) for the period before taxes9903€-546k€-8k▲
Income taxes67/77€5k€66▼
Profit (loss) for the period9904€-551k€-8k▲
Profit (loss) for the period to be appropriated9905€-551k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-178k€-186k▼
Profit (loss) brought forward from the previous period14P€372k€-178k▼
The notes to these accounts (6 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 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-551k ▼431%
Net result drops to €-551k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 13.69
Current ratio from 2.26 to 13.69; short-term debt falls from €108k to €8k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €167k
Net result €167k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 2.26
Current ratio from 0.56 to 2.26; short-term debt falls from €416k to €108k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €500kEq €512k ▲7.7%
Equity rises from €475k to €512k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €224k ▲60.7%
Operating result €295k, net result €224k, both a record.
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Buggenhout · 1 establishment unit since 1989
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.
Mandekensstraat 1279255 BuggenhoutGround area
2,400 m²
Building footprint
269 m²
Volume, LiDAR
1,538 m³
Parcel 42004E0886/00H000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INSURIMO
since 19892.044.287.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004E0886/00H000 | Flanders | 2,400 m² | 1 · 269 m² | 9.7 m · 2 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
OGE
BE 0831.509.635
Elsene · Eq €65k
SIMPLISSIMMO REAL ESTATE
BE 0677.629.528
Linkebeek · Eq €65k
JG IMMO
BE 0794.415.449
Kortenberg · Eq €66k
ODN MANAGEMENT
BE 0745.933.463
Knokke-Heist · Eq €65k
Rijken-M-Invest
BE 0797.929.027
Bocholt · Eq €66k
Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 5,044 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-1989
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
68121Development of residential building projects
68321Property management for co-owned buildings (syndics)
68322Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.