Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ASSURAVIS from Sint-Lambrechts-Woluwe, company number BE0429372676, closed financial year 2025 with a result of € 121,005 after tax. For that financial year ASSURAVIS recorded a gross margin of € 298,260 and equity of € 557,800. Compared with financial year 2024, the result moved from € 101,733 to € 121,005. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 24, 2026.
€ 557,800
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 121,005
▲ 19% vs 2024
Profit after tax over the fiscal year.
€ 7,597
▼ 60% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 120,000 paid out
99 % of the profit went to the shareholders, mostly to SVC MODIANO HOLDING (74 % of the shares). That is where the money ends up.
People and assets in 2025
1.6
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 96,503
▼ 2% vs 2024
€ 60,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 17,166
▲ € 12,886 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 876,097
▼ 12% vs 2024
€ 158,728 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 21,233
▼ 19% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 56,117
▲ 25% vs 2024
Taxes, VAT and social contributions still to pay.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 262,602 | € 321,478 | € 352,432 | € 298,260 | ▼ 15% |
| Profit after taxes | € 51,673 | € 53,056 | € 101,733 | € 121,005 | ▲ 19% |
| Equity | € 564,681 | € 556,737 | € 556,794 | € 557,800 | |
| Total debts | € 1,166,432 | € 1,232,383 | € 1,172,249 | € 1,063,997 | ▼ 9% |
| Cash | € 28,973 | € 47,646 | € 19,074 | € 7,597 | ▼ 60% |
| Land & buildings | € 261,483 | € 245,742 | € 230,083 | € 217,535 | ▼ 5% |
| Retained profit | € 371,215 | € 363,272 | € 363,329 | € 364,334 | |
| Dividend | € 65,000 | € 61,000 | € 101,676 | € 120,000 | ▲ 18% |
| Bank debt | € 1,064,913 | € 1,006,721 | € 999,302 | € 876,097 | ▼ 12% |
| Balance sheet total | € 1,731,113 | € 1,789,120 | € 1,729,043 | € 1,621,797 | ▼ 6% |
| Employees (FTE) | 2.2 | 2.1 | 1.5 | 1.6 | ▲ 0.1 |
Key figures of ASSURAVIS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to ASSURAVIS?
What happened at ASSURAVIS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 121,005 (▲ 19% vs 2024). Source: NBB ↗
- Delphine RAHIER MODIANO became a director. NBB
- New establishment in Sint-Lambrechts-Woluwe. KBO
- Start of the company according to the CBE. KBO
In short
From € 51,673 profit in 2022 to € 121,005 profit in 2025.
Paid € 188,222 in corporate taxes since 2022.
Best year ever: 2025, with € 121,005 profit.
On average € 186,400 of value added per employee in 2025.
A new publication or filing at ASSURAVIS? We notify you, reason included.
Follow ASSURAVISDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of SVC MODIANO HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ASSURAVISBehind ASSURAVIS is Delphine RAHIER MODIANO. The shares are held by SVC MODIANO HOLDING (73.8%).
Directors
According to the 2025 annual accounts
Delphine RAHIER MODIANO
Director
since 2022
Shareholders
73.8%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Paul Hymanslaan 47
1200 Sint-Lambrechts-Woluwe
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
LEVEL27-AS * Please direct all complaints to [email protected] *, BE
DNS
GoDaddy DNS
Website info
Features
Security
Network
Details
- Company number
- 0429.372.676
- VAT number
- BE 0429.372.676
- Registered office
- Paul Hymanslaan 47, 1200 Sint-Lambrechts-Woluwe
- Names & denominations
- ASSURAVIS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 April 1986
- Peppol
- Active · Active since 8 Dec 2025
- Contact
- assuravis.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten