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 3 of the last 3 fiscal years.
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Two loss years in a row NBB
Negative result in 2022 and 2023.
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Tight liquidity NBB
Cash and receivables cover 0 % of short-term debt in 2023; threshold 65 %.
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Annual account missing NBB
Fiscal year 2024 was expected before 31 July 2025 and has not been filed.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2023
ASSURANCES,CREDITS SERVICES from Waterloo, company number BE0820984640, closed financial year 2023 with a result of € -2,353 after tax. For that financial year ASSURANCES,CREDITS SERVICES recorded a gross margin of € -194 and equity of € -12,988. Compared with financial year 2022, the result moved from € -57 to € -2,353. 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 June 24, 2024.
€ -12,988
▼ € 2,353 vs 2022
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2,353
▼ 4028 % more loss than in 2022
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -19,188.
Debts at end 2023
None
No bank loans on the last day of the fiscal year.
€ 324
▲ 149% vs 2022
Supplier invoices still open on the last day of the fiscal year.
| 2021 | 2022 | 2023 | Change 2022 → 2023 | |
|---|---|---|---|---|
| Gross margin | € -96 | € -57 | € -194 | ▼ € 137 |
| Profit after taxes | € -211 | € -57 | € -2,353 | ▼ € 2,296 |
| Equity | € -10,578 | € -10,635 | € -12,988 | ▼ € 2,353 |
| Total debts | € 10,578 | € 10,635 | € 12,988 | ▲ 22% |
| Retained profit | € -16,778 | € -16,835 | € -19,188 | ▼ € 2,353 |
Key figures of ASSURANCES,CREDITS SERVICES, fiscal years 2021 to 2023, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2024 has not been filed yet; it was expected before 31 July 2025.
What happened to ASSURANCES,CREDITS SERVICES?
What happened at ASSURANCES,CREDITS SERVICES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2023: loss of € 2,353. Source: NBB ↗
- MICHEL ROOZE became a director. NBB
- YVES GAUDY became a director. NBB
- MARTINE NIZET became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 211 loss in 2021 to € 2,353 loss in 2023.
Management
Behind ASSURANCES,CREDITS SERVICES are MICHEL ROOZE, YVES GAUDY and MARTINE NIZET. YVES GAUDY is also behind INSIS AND T.
Directors
According to the 2023 annual accounts
MICHEL ROOZE
Manager
since 2009
since 2009
MARTINE NIZET
Associate
since 2009
Establishments
Establishment units
Physical locations of this company
Avenue Lord Uxbridge 34
1410 Waterloo
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0820.984.640
- VAT number
- BE 0820.984.640
- Registered office
- Avenue Lord Uxbridge 34, 1410 Waterloo
- Names & denominations
- ASSURANCES,CREDITS SERVICES · A.C.S.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 November 2009
- Peppol
- Not registered