Summary
LIM 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 €590k and a net result of €170k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 55% of 33 sector peers (fiscal year 2025). The company has been active since 2016 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-03-2026, 136 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
136 d early
2024
160 d early
2023
113 d early
2022
66 d early
2021
61 d early
2020
120 d early
2019
98 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, full schema
Equity
€590k▼ 7.5%
2024 · €638k
2018: €45k
2019: €72k
2020: €131k
2021: €271k
2022: €463k
2023: €619k
2024: €638k
2018 → 2025
Net result
€170k▼ 19.2%
2024 · €211k
2018: €14k
2019: €27k
2020: €58k
2021: €441k
2022: €203k
2023: €156k
2024: €211k
2018 → 2025
Total assets
€1.09M▼ 7.6%
2024 · €1.18M
2018: €205k
2019: €227k
2020: €329k
2021: €610k
2022: €609k
2023: €938k
2024: €1.18M
2018 → 2025
Solvency
54.2%=
2024 · 54.1%
2018: 22.0%
2019: 31.9%
2020: 39.7%
2021: 44.4%
2022: 76.0%
2023: 66.0%
2024: 54.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€271k-€463k▲ 70.7%€619k▲ 33.7%€638k▲ 3.1%€590k▼ 7.5%
Operating result€48k-€51k▲ 7.3%€115k▲ 126%€124k▲ 7.0%€136k▲ 10.0%
Net result€441k-€203k▼ 54.0%€156k▼ 23.2%€211k▲ 35.1%€170k▼ 19.2%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€808k ▼ 4.3%
Current assets
€281k ▼ 15.8%
Equity and liabilities €1.09M
Equity
€590k ▼ 7.5%
Debt
€499k ▼ 7.7%
Debt's share of the balance-sheet total stays at 45.8%.
Key figures and ratios
ROE
28.8%▼
2024 · 33.0%
ROA
15.6%▼
2024 · 17.9%
Debt ≤ 1 year
€279k▲
2024 · €276k
Debt > 1 year
€220k▼
2024 · €264k
Income taxes
€51k▼
2024 · €51k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.18M€1.09M▼
Fixed assets21/28€844k€808k▼
Tangible fixed assets22/27€239k€202k▼
Land and buildings22€194k€194k=
Furniture and vehicles24€32k€926▼
Leasing and similar rights25€13k€7k▼
Financial fixed assets28€606k€606k=
Current assets29/58€334k€281k▼
Amounts receivable after more than one year29€100k€50k▼
Other amounts receivable291€100k€50k▼
Amounts receivable within one year40/41€31k€23k▼
Trade receivables40€23k€23k▲
Other amounts receivable41€8k€0▼
Current investments50/53€19k€42k▲
Cash at bank and in hand54/58€183k€166k▼
Deferred charges and accrued income490/1€956€0▼
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.09M▼
Equity10/15€638k€590k▼
Contributions10/11€20k€20k=
Reserves13€269k€381k▲
Distributable reserves133€269k€381k▲
Profit (loss) carried forward14€349k€189k▼
Amounts payable17/49€540k€499k▼
Amounts payable after more than one year17€264k€220k▼
Financial debts170/4€261k€216k▼
Other amounts payable178/9€2k€3k▲
Amounts payable within one year42/48€276k€279k▲
Current portion of amounts payable after more than one year42€60k€45k▼
Trade debts44€1k€89▼
Suppliers440/4€1k€89▼
Taxes, remuneration and social security45€24k€16k▼
Taxes450/3€21k€14k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€191k€218k▲
Accrued charges and deferred income492/3€660€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€9k▼
Other operating charges640/8€28k€9k▼
Non-recurring operating charges66A-€6k
Gross operating margin9900€171k€160k▼
Operating profit (loss)9901€124k€136k▲
Financial income75/76B€146k€97k▼
Recurring financial income75€146k€97k▼
Financial charges65/66B€8k€13k▲
Recurring financial charges65€8k€13k▲
Profit (loss) for the period before taxes9903€261k€221k▼
Income taxes67/77€51k€51k▼
Profit (loss) for the period9904€211k€170k▼
Profit (loss) for the period to be appropriated9905€211k€170k▼
Appropriation of the result
Profit (loss) to be appropriated9906€710k€519k▼
Profit (loss) brought forward from the previous period14P€499k€349k▼
Transfer from equity791/2€41k€58k▲
Transfer to equity691/2€211k€170k▼
To other reserves6921€211k€170k▼
Profit to be distributed694/7€191k€218k▲
Return on contributions (dividend)694€191k€218k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (27 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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €500kEq €619k ▲33.7%
6 profitable years in a row build equity to €619k.
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €441k ▲659%
Net result €441k, the highest in the series.
31-12
Financial
Liquidity times 5current ratio 5.80
Current ratio from 1.19 to 5.80; short-term debt falls from €65k to €47k.
31-12
Financial
Equity above €200kEq €271k ▲108%
4 profitable years in a row build equity to €271k.
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €131k ▲80.1%
3 profitable years in a row build equity to €131k.
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dalhem · 1 establishment unit since 2016
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.
Au Trixhay(FEN) 94607 DalhemGround area
437 m²
Building footprint
197 m²
Volume, LiDAR
1,045 m³
Parcel 62034A0486/00E002, Wallonia · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Au Trixhay(FEN) 9, 4607 Dalhem
since 20162.255.584.550
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62034A0486/00E002 | Wallonia | 437 m² | 1 · 197 m² | 6.3 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
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GUNTER POPPELAARS
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GIULIANI & FILS
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BUBUS
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Of 118 companies in sector 65121 we hold annual accounts for 34. 24 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
Founded27-05-2016
Fiscal year end31-12
Activities, NACEBEL 2025
65121Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.