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 38 % of short-term debt in 2024; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 3 to 2.6.
Financials
Financial year 2024
ASB ASSUR from Verviers, company number BE0479045980, closed financial year 2024 with a result of € 171,995 after tax. For that financial year ASB ASSUR recorded a gross margin of € 400,509 and equity of € 226,951. Compared with financial year 2023, the result moved from € 142,564 to € 171,995. Profitable, and profit is growing. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 3, 2025.
€ 226,951
▼ 17% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 171,995
▲ 21% vs 2023
Profit after tax over the fiscal year.
€ 122,336
▲ 31% vs 2023
Cash and bank balances on the last day of the fiscal year.
€ 220,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2024
2.6
▼ 0.3 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 104,203
▲ 30% vs 2023
€ 40,100 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.
€ 4,377
▲ € 3,306 vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
None
No bank loans on the last day of the fiscal year.
€ 83,029
▲ 17% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 32,639
▲ € 28,212 vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 275,438 | € 270,129 | € 289,420 | € 400,509 | ▲ 38% |
| Profit after taxes | € 101,611 | € 135,024 | € 142,564 | € 171,995 | ▲ 21% |
| Equity | € 237,368 | € 272,392 | € 274,956 | € 226,951 | ▼ 17% |
| Total debts | € 108,768 | € 185,642 | € 215,888 | € 335,905 | ▲ 56% |
| Cash | € 107,941 | € 217,621 | € 93,248 | € 122,336 | ▲ 31% |
| Retained profit | € 224,968 | € 259,992 | € 262,556 | € 214,551 | ▼ 18% |
| Dividend | € 30,000 | € 100,000 | € 140,000 | € 220,000 | ▲ 57% |
| Balance sheet total | € 346,136 | € 458,034 | € 490,844 | € 562,856 | ▲ 15% |
| Employees (FTE) | 3.6 | 3 | 2.9 | 2.6 | ▼ 0.3 |
Key figures of ASB ASSUR, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to ASB ASSUR?
What happened at ASB ASSUR in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 171,995 (▲ 21% vs 2023). Source: NBB ↗
- New establishment in Vielsalm. KBO
- ASB ASSUR & ASSOCIES SRL became a director. NBB
- New establishment in Malmedy. KBO
- New establishment in Liège. KBO
- New establishment in Verviers. KBO
- Start of the company according to the CBE. KBO
In short
From € 101,611 profit in 2021 to € 171,995 profit in 2024.
Paid € 200,015 in corporate taxes since 2021.
Best year ever: 2024, with € 171,995 profit.
On average € 154,000 of value added per employee in 2024.
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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
The stake of ASB ASSUR & ASSOCIES comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ASB ASSURBehind ASB ASSUR is ASB ASSUR & ASSOCIES SRL. The shares are held by ASB ASSUR & ASSOCIES (100%).
Directors
According to the 2024 annual accounts
Director · represented by Serge BOUGARD
since 2020
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue Reine Astrid 116
4802 Verviers
Avenue des Alliés 15
4960 Malmedy
Active since 1 November 2016
Rue de Herve 435
4030 Liège
Active since 1 September 2013
Rue du Vieux-Marché 44
6690 Vielsalm
Active since 1 November 2023
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.
Details
- Company number
- 0479.045.980
- VAT number
- BE 0479.045.980
- Registered office
- Avenue Reine Astrid 116, 4802 Verviers
- Names & denominations
- ASB ASSUR
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 December 2002
- Peppol
- Active · Active since 11 Mar 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
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