Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Shrinking team NBB
FTE fell two years in a row, from 4.4 to 0.6.
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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 2024
ASSURANCES, CREDITS, PLACEMENTS 21 from Habay, company number BE0867139121, closed financial year 2024 with a result of € -880 after tax. For that financial year ASSURANCES, CREDITS, PLACEMENTS 21 recorded a gross margin of € -12,030 and equity of € 113,286. Compared with financial year 2023, the result moved from € 6,380 to € -880. The company made a loss. 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 September 30, 2025.
€ 113,286
▼ 1% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -880
▼ still € 6,380 profit in 2023
Profit after tax over the fiscal year.
€ 57,670
▼ 40% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 107,086.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 77,867
▼ 34% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2024
€ 80,514
▼ 41% vs 2023
€ 42,995 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 12,544
▼ 4% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 27,996
▼ 13% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 294,183 | € 211,906 | € 176,379 | € -12,030 | ▼ € 188,409 |
| Profit after taxes | € -96,489 | € 5,774 | € 6,380 | € -880 | ▼ € 7,260 |
| Equity | € 102,013 | € 107,787 | € 114,167 | € 113,286 | ▼ 1% |
| Total debts | € 345,111 | € 352,706 | € 205,679 | € 146,550 | ▼ 29% |
| Cash | € 85,641 | € 217,217 | € 96,316 | € 57,670 | ▼ 40% |
| Land & buildings | € 173,486 | € 147,906 | € 123,389 | € 98,187 | ▼ 20% |
| Retained profit | € 95,813 | € 101,587 | € 107,967 | € 107,086 | ▼ 1% |
| Bank debt | € 247,119 | € 190,144 | € 136,078 | € 80,514 | ▼ 41% |
| Balance sheet total | € 447,123 | € 460,493 | € 319,846 | € 259,837 | ▼ 19% |
| Employees (FTE) | 4.4 | 4.4 | 1 | 0.6 | ▼ 0.4 |
Key figures of ASSURANCES, CREDITS, PLACEMENTS 21, 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 ASSURANCES, CREDITS, PLACEMENTS 21?
What happened at ASSURANCES, CREDITS, PLACEMENTS 21 in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 880 (▼ € 7,260 vs 2023). filed late Source: NBB ↗
- Philippe GRACES became a director. NBB
- New establishment in Arlon. KBO
- Start of the company according to the CBE. KBO
- New establishment in Habay. KBO
In short
From € 96,489 loss in 2021 to € 880 loss in 2024.
Paid € 1,127 in corporate taxes since 2021.
Best year ever: 2023, with € 6,380 profit.
On average € 176,400 of value added per employee in 2023.
A new publication or filing at ASSURANCES, CREDITS, PLACEMENTS 21? 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 ASSURANCES, CREDITS, PLACEMENTS 21 is Philippe GRACES. The shares are held by AssCoFisc SARL (9.7%).
Directors
According to the 2024 annual accounts
Philippe GRACES
Director
since 2023
Shareholders
AssCoFisc SARL
9.7%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue de la Gare 12
6720 Habay
Rue de Diekirch 40
6700 Arlon
Active since 1 September 2007
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
- 0867.139.121
- VAT number
- BE 0867.139.121
- Registered office
- Avenue de la Gare 12, 6720 Habay
- Names & denominations
- ASSURANCES, CREDITS, PLACEMENTS 21 · A.C.P.21
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 September 2004
- Peppol
- Not registered
- Activities · NACE
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