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 47 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CREASSUR VERZEKERINGEN from Scherpenheuvel-Zichem, company number BE0784834423, closed financial year 2025 with a result of € 9,114 after tax. For that financial year CREASSUR VERZEKERINGEN recorded a gross margin of € 115,644 and equity of € 20,751. Compared with financial year 2024, the result moved from € 3,697 to € 9,114. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 23, 2025.
€ 20,751
▲ 78% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 9,114
▲ 147% vs 2024
Profit after tax over the fiscal year.
€ 31,912
▲ 105% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 15,751.
People and assets in 2025
€ 19,362
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 3,077
▼ 6% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 466,699
▼ 11% vs 2024
€ 57,237 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 4,050
▲ 170% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,924
▲ 164% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 62,753 | € 88,723 | € 115,644 | ▲ 30% |
| Profit after taxes | € 2,940 | € 3,697 | € 9,114 | ▲ 147% |
| Equity | € 7,940 | € 11,637 | € 20,751 | ▲ 78% |
| Total debts | € 641,326 | € 582,235 | € 519,418 | ▼ 11% |
| Cash | € 20,042 | € 15,564 | € 31,912 | ▲ 105% |
| Land & buildings | - | € 2,251 | € 2,006 | ▼ 11% |
| Retained profit | € 2,940 | € 6,637 | € 15,751 | ▲ 137% |
| Bank debt | € 571,472 | € 522,707 | € 466,699 | ▼ 11% |
| Balance sheet total | € 649,266 | € 593,872 | € 540,169 | ▼ 9% |
Key figures of CREASSUR VERZEKERINGEN, fiscal years 2023 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 October 2026.
What happened to CREASSUR VERZEKERINGEN?
What happened at CREASSUR VERZEKERINGEN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 9,114 (▲ 147% vs 2024). Source: NBB ↗
- New establishment in Scherpenheuvel-Zichem. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,940 profit in 2023 to € 9,114 profit in 2025.
Paid € 7,347 in corporate taxes since 2023.
Best year ever: 2025, with € 9,114 profit.
A new publication or filing at CREASSUR VERZEKERINGEN? 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 CREASSUR VERZEKERINGEN is Cindy Panhuysen. Cindy Panhuysen is also behind MDL Schrijnwerkerij.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Westelsebaan 8
3271 Scherpenheuvel-Zichem
Westelsebaan 140
3271 Scherpenheuvel-Zichem
Active since 14 April 2022
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Certifications & Partners
Hosting & Email
Email provider
one.com Mail
Hosting
ONECOM, DK
Website info
Features
Security
Network
Details
- Company number
- 0784.834.423
- VAT number
- BE 0784.834.423
- Registered office
- Westelsebaan 8, 3271 Scherpenheuvel-Zichem
- Names & denominations
- CREASSUR VERZEKERINGEN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 April 2022
- Peppol
- Active · Active since 1 Jul 2025
- Contact
- creassur.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars