Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
A.O.D. ASSURANCES from Visé, company number BE0452554488, closed financial year 2025 with a result of € -5,038 after tax. For that financial year A.O.D. ASSURANCES recorded a gross margin of € 23,162 and equity of € -24,627. Compared with financial year 2024, the result moved from € -7,771 to € -5,038. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ -24,627
▼ € 5,038 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -5,038
▲ 35 % less loss than in 2024
Profit after tax over the fiscal year.
€ 4,806
▲ 52% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -48,377.
People and assets in 2025
€ 26,301
▲ 6% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 20,232
▼ 4% vs 2024
Loans from banks and other lenders, long and short.
€ 2,644
▲ 243% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 27,670
▲ 33% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 11,650 | € 16,840 | € 28,836 | € 23,162 | ▼ 20% |
| Profit after taxes | € -2,804 | € -7,267 | € -7,771 | € -5,038 | ▲ € 2,732 |
| Equity | € -4,551 | € -11,818 | € -19,589 | € -24,627 | ▼ € 5,038 |
| Total debts | € 53,812 | € 64,128 | € 68,967 | € 66,467 | ▼ 4% |
| Cash | € 5,908 | € 1,871 | € 3,155 | € 4,806 | ▲ 52% |
| Retained profit | € -28,301 | € -35,568 | € -43,339 | € -48,377 | ▼ € 5,038 |
| Bank debt | € 21,122 | € 21,122 | € 21,122 | € 20,232 | ▼ 4% |
| Balance sheet total | € 49,261 | € 52,310 | € 49,378 | € 41,840 | ▼ 15% |
Key figures of A.O.D. ASSURANCES, 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 A.O.D. ASSURANCES?
What happened at A.O.D. ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 5,038. filed late Source: NBB ↗
- DOMINIQUE ONCLIN became a director. NBB
- SEBASTIEN ONCLIN became a director. NBB
- New establishment in Visé. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,804 loss in 2022 to € 5,038 loss in 2025.
A new publication or filing at A.O.D. ASSURANCES? We notify you, reason included.
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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
Behind A.O.D. ASSURANCES are DOMINIQUE ONCLIN and SEBASTIEN ONCLIN. The same people are also behind TRAVEL & INSURANCE. SEBASTIEN ONCLIN is also behind SEBADOM.
Directors
According to the 2025 annual accounts
since 2014
since 2014
Establishments
Establishment units
Physical locations of this company
Rue des Récollets(VIS) 65
4600 Visé
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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.
Details
- Company number
- 0452.554.488
- VAT number
- BE 0452.554.488
- Registered office
- Rue des Récollets(VIS) 65, 4600 Visé
- Names & denominations
- A.O.D. ASSURANCES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 April 1994
- Peppol
- Active · Active since 19 Nov 2025
- Activities · NACE
Reisbureaus
Activiteiten van reisbureaus
Overige fiscale dienstverlening
Boekhouders
Boekhouders en boekhouders-fiscalisten