What does ASSURANCES CREUTZ do?

ASSURANCES CREUTZ is an insurance broker in Baelen. Private Limited, started on 9 July 1999, 1 establishment.

What is the address of ASSURANCES CREUTZ?

The registered office of ASSURANCES CREUTZ is located at Route d'Eupen(BLN) 7b, 4837 Baelen.

Is ASSURANCES CREUTZ still active?

Yes. According to the CBE (31 October 2026) ASSURANCES CREUTZ is active, legal situation “Normale toestand”, started on 9 July 1999.

Is ASSURANCES CREUTZ registered on Peppol?

Yes, ASSURANCES CREUTZ is registered on the Peppol network with ID 0208:0466499328.

What is the enterprise number of ASSURANCES CREUTZ?

The enterprise number of ASSURANCES CREUTZ is BE0466499328.

When was ASSURANCES CREUTZ founded?

ASSURANCES CREUTZ was founded on 9 July 1999.

Who are the directors of ASSURANCES CREUTZ?

According to the 2025 annual accounts, the directors of ASSURANCES CREUTZ are: ERIC ERNST, MARIE-CHRISTINE CREUTZ.

Is ASSURANCES CREUTZ a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 9 July 1999; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did ASSURANCES CREUTZ make in 2025?

ASSURANCES CREUTZ posted a profit after taxes of € 8,835 in financial year 2025.

What is the revenue of ASSURANCES CREUTZ?

As a small company, ASSURANCES CREUTZ is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 396,997.

ASSURANCES CREUTZ (Private Limited) - Baelen

Dossier ASSURANCES CREUTZ, printed on 31 October 2026 from databakkes.be/en/0466499328/assurances-creutz. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 49 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

ASSURANCES CREUTZ from Baelen, company number BE0466499328, closed financial year 2025 with a result of € 8,835 after tax. For that financial year ASSURANCES CREUTZ recorded a gross margin of € 396,997 and equity of € 287,003. Compared with financial year 2024, the result moved from € 63,815 to € 8,835. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.

What it is worth Growing

€ 287,003

▲ 3% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 8,835

▼ 86% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 6,858

▲ 71% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 266,433.

People and assets in 2025

Wage cost

€ 253,646

▲ 28% 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.

Vehicles and equipment

€ 128,793

▲ 32% vs 2024

Of which on lease € 109,085.

Debts at end 2025

Bank debt ≈ 3 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 155,512

▲ 17% vs 2024

€ 54,283 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.

Owed to suppliers

€ 20,784

▼ 57% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 56,134

▲ 31% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 196,616 Gross margin 2022: € 196,616 First fiscal year in the series	€ 318,915 Gross margin 2023: € 318,915 ▲ 62% vs 2022 (€ 196,616) Favourable step	€ 387,175 Gross margin 2024: € 387,175 ▲ 21% vs 2023 (€ 318,915) Favourable step	€ 396,997 Gross margin 2025: € 396,997 ▲ 3% vs 2024 (€ 387,175) Favourable step	▲ 3%
Profit after taxes	€ 30,227 Profit after taxes 2022: € 30,227 First fiscal year in the series	€ 76,224 Profit after taxes 2023: € 76,224 ▲ 152% vs 2022 (€ 30,227) Favourable step	€ 63,815 Profit after taxes 2024: € 63,815 ▼ 16% vs 2023 (€ 76,224) Unfavourable step	€ 8,835 Profit after taxes 2025: € 8,835 ▼ 86% vs 2024 (€ 63,815) Unfavourable step	▼ 86%
Equity	€ 152,829 Equity 2022: € 152,829 First fiscal year in the series	€ 229,053 Equity 2023: € 229,053 ▲ 50% vs 2022 (€ 152,829) Favourable step	€ 278,168 Equity 2024: € 278,168 ▲ 21% vs 2023 (€ 229,053) Favourable step	€ 287,003 Equity 2025: € 287,003 ▲ 3% vs 2024 (€ 278,168) Favourable step	▲ 3%
Total debts	€ 206,867 Total debts 2022: € 206,867 First fiscal year in the series	€ 144,169 Total debts 2023: € 144,169 ▼ 30% vs 2022 (€ 206,867) Favourable step	€ 244,117 Total debts 2024: € 244,117 ▲ 69% vs 2023 (€ 144,169) Unfavourable step	€ 241,900 Total debts 2025: € 241,900 ▼ 1% vs 2024 (€ 244,117) Favourable step	▼ 1%
Cash	€ 64,748 Cash 2022: € 64,748 First fiscal year in the series	€ 6,152 Cash 2023: € 6,152 ▼ 90% vs 2022 (€ 64,748) Unfavourable step	€ 4,012 Cash 2024: € 4,012 ▼ 35% vs 2023 (€ 6,152) Unfavourable step	€ 6,858 Cash 2025: € 6,858 ▲ 71% vs 2024 (€ 4,012) Favourable step	▲ 71%
Retained profit	€ 132,259 Retained profit 2022: € 132,259 First fiscal year in the series	€ 208,483 Retained profit 2023: € 208,483 ▲ 58% vs 2022 (€ 132,259) Favourable step	€ 257,598 Retained profit 2024: € 257,598 ▲ 24% vs 2023 (€ 208,483) Favourable step	€ 266,433 Retained profit 2025: € 266,433 ▲ 3% vs 2024 (€ 257,598) Favourable step	▲ 3%
Dividend	€ 28,500 Dividend 2022: € 28,500 First fiscal year in the series	€ 0 Dividend 2023: € 0 ▼ 100% vs 2022 (€ 28,500) Unchanged	€ 3,500 Dividend 2024: € 3,500 Unchanged (€ 0) Unchanged	€ 0 Dividend 2025: € 0 ▼ 100% vs 2024 (€ 3,500) Unchanged	▼ 100%
Bank debt	€ 147,464 Bank debt 2022: € 147,464 First fiscal year in the series	€ 91,282 Bank debt 2023: € 91,282 ▼ 38% vs 2022 (€ 147,464) Favourable step	€ 132,605 Bank debt 2024: € 132,605 ▲ 45% vs 2023 (€ 91,282) Unfavourable step	€ 155,512 Bank debt 2025: € 155,512 ▲ 17% vs 2024 (€ 132,605) Unfavourable step	▲ 17%
Balance sheet total	€ 359,696 Balance sheet total 2022: € 359,696 First fiscal year in the series	€ 373,221 Balance sheet total 2023: € 373,221 ▲ 4% vs 2022 (€ 359,696) Unchanged	€ 522,285 Balance sheet total 2024: € 522,285 ▲ 40% vs 2023 (€ 373,221) Unchanged	€ 530,136 Balance sheet total 2025: € 530,136 ▲ 2% vs 2024 (€ 522,285) Unchanged	▲ 2%

Key figures of ASSURANCES CREUTZ, 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 ASSURANCES CREUTZ?

What happened at ASSURANCES CREUTZ in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 31, 2026 New annual accounts for financial year 2025: profit of € 8,835 (▼ 86% vs 2024). filed late Source: NBB ↗
2019 ERIC ERNST became a director. NBB
2019 MARIE-CHRISTINE CREUTZ became a director. NBB
Oct 15, 1999 New establishment in Baelen. KBO
Jul 9, 1999 Start of the company according to the CBE. KBO

In short

From € 30,227 profit in 2022 to € 8,835 profit in 2025.

Paid € 90,023 in corporate taxes since 2022.

Best year ever: 2023, with € 76,224 profit.

Paid out € 32,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

ERIC ERNST MARIE-CHRISTINE CREUTZ

ASSURANCES CREUTZ

Behind ASSURANCES CREUTZ are ERIC ERNST and MARIE-CHRISTINE CREUTZ.

Directors

According to the 2025 annual accounts

ERIC ERNST

Director

since 2019

MARIE-CHRISTINE CREUTZ

Administrateur Statutaire

since 2019

Establishments

Establishment units

Physical locations of this company

Registered office

Route d'Eupen(BLN) 7b

4837 Baelen

2.092.509.734

Route d'Eupen(BLN) 7 B

4837 Baelen

Active since 15 October 1999

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0466.499.328
VAT number: BE 0466.499.328
Registered office: Route d'Eupen(BLN) 7b, 4837 Baelen
Names & denominations: ASSURANCES CREUTZ
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 9 July 1999
Peppol: Active · Active since 22 Jan 2026
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗