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 59 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ASSUGROUP from Waterloo, company number BE0832963150, closed financial year 2025 with a result of € 342,019 after tax. For that financial year ASSUGROUP recorded a gross margin of € 984,684 and equity of € 661,718. Compared with financial year 2024, the result moved from € 359,145 to € 342,019. The company is profitable. 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 30, 2026.
€ 661,718
▼ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 342,019
▼ 5% vs 2024
Profit after tax over the fiscal year.
€ 277,245
▲ 149% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 359,145 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
5.7
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 270,754
▲ 1% vs 2024
€ 47,500 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.
€ 66,849
▲ 227% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 728,905
▼ 17% vs 2024
€ 146,888 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 6,473
▲ 19% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 20,129
▼ 58% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 700,360 | € 764,664 | € 1,026,945 | € 984,684 | ▼ 4% |
| Profit after taxes | € 176,851 | € 197,437 | € 359,145 | € 342,019 | ▼ 5% |
| Equity | € 496,550 | € 693,987 | € 678,844 | € 661,718 | ▼ 3% |
| Total debts | € 1,295,967 | € 1,119,305 | € 1,056,053 | € 1,051,703 | |
| Cash | € 195,899 | € 414,787 | € 111,241 | € 277,245 | ▲ 149% |
| Retained profit | € 356,550 | € 553,987 | € 538,844 | € 521,718 | ▼ 3% |
| Dividend | € 0 | € 0 | € 374,288 | € 359,145 | ▼ 4% |
| Bank debt | € 1,217,459 | € 1,051,327 | € 882,661 | € 728,905 | ▼ 17% |
| Balance sheet total | € 1,792,518 | € 1,813,292 | € 1,734,898 | € 1,713,421 | ▼ 1% |
| Employees (FTE) | 4.3 | 4.5 | 6 | 5.7 | ▼ 0.3 |
Key figures of ASSUGROUP, 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 ASSUGROUP?
What happened at ASSUGROUP in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 342,019 (▼ 5% vs 2024). Source: NBB ↗
- New establishment in Waterloo. KBO
- Start of the company according to the CBE. KBO
- Fabian Guisset became a director. NBB
In short
From € 176,851 profit in 2022 to € 342,019 profit in 2025.
Paid € 386,359 in corporate taxes since 2022.
Best year ever: 2024, with € 359,145 profit.
On average € 172,800 of value added per employee in 2025.
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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 ASSUGROUP is Fabian Guisset. Fabian Guisset is also behind G-Properties and COMPTOIR IMMOBILIER GUISSET.
Directors
According to the 2025 annual accounts
since 2011
Establishments
Establishment units
Physical locations of this company
Avenue des Dauphins 38
1410 Waterloo
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
- 0832.963.150
- VAT number
- BE 0832.963.150
- Registered office
- Avenue des Dauphins 38, 1410 Waterloo
- Names & denominations
- ASSUGROUP · ASSUG
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 17 January 2011
- Peppol
- Active · Active since 9 Dec 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen