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 2 of the last 2 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 41 % of short-term debt in 2025; threshold 65 %.
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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 2025
AssurProtect M&L from Waterloo, company number BE1000330118, closed financial year 2025 with a result of € -4,325 after tax. For that financial year AssurProtect M&L recorded a gross margin of € 49,102 and equity of € -67,551. Compared with financial year 2024, the result moved from € -68,225 to € -4,325. 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 August 31, 2026.
€ -67,551
▼ € 4,325 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4,325
▲ 94 % less loss than in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -72,551.
People and assets in 2025
€ 52,291
▲ 9% vs 2024
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 2025
€ 3,620
▲ 51% vs 2024
Loans from banks and other lenders, long and short.
€ 25,737
▼ 40% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 10,946
▲ 123% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|
| Gross margin | € -16,817 | € 49,102 | ▲ € 65,919 |
| Profit after taxes | € -68,225 | € -4,325 | ▲ € 63,900 |
| Equity | € -63,225 | € -67,551 | ▼ € 4,325 |
| Total debts | € 135,071 | € 122,553 | ▼ 9% |
| Retained profit | € -68,225 | € -72,551 | ▼ € 4,325 |
| Bank debt | € 2,393 | € 3,620 | ▲ 51% |
| Balance sheet total | € 71,845 | € 55,002 | ▼ 23% |
Key figures of AssurProtect M&L, fiscal years 2024 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 AssurProtect M&L?
What happened at AssurProtect M&L in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 4,325. filed late Source: NBB ↗
- New establishment in Tubize. KBO
- New establishment in Waterloo. KBO
- Laurie PICALAUSA became a director. NBB
- Mike VANHEULENBERGHE became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 68,225 loss in 2024 to € 4,325 loss in 2025.
Paid € 592 in corporate taxes since 2024.
A new publication or filing at AssurProtect M&L? 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 AssurProtect M&L are Laurie PICALAUSA and Mike VANHEULENBERGHE. Laurie PICALAUSA is also behind PICA & DEB. Mike VANHEULENBERGHE is also behind MDV Design and M&D AGENCY.
Directors
According to the 2025 annual accounts
since 2023
since 2023
Establishments
Establishment units
Physical locations of this company
Chaussée de Louvain 197
1410 Waterloo
Rue de Bruxelles 11
1480 Tubize
Active since 1 April 2024
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 1000.330.118
- VAT number
- BE 1000.330.118
- Registered office
- Chaussée de Louvain 197, 1410 Waterloo
- Names & denominations
- AssurProtect M&L
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 September 2023
- Peppol
- Not registered
- Contact
- [email protected] +32472634481
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars