ACTIVE

Assuver

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Financial year 2025 · closed on 31/12/2025

Net result

18,5 k €

-51.5% YoY

Gross margin

113,2 k €

+5.4% YoY

Equity

1,4 M €

+1.3% YoY

What does Assuver do?

Assuver is a Public limited company incorporated in 1983. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Spiere-Helkijn.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0424.150.910

Incorporation

23/03/1983

Legal form

Public limited company

Registered office

Barrière de Fer 1
8587 Spiere-Helkijn · FlandreSee on map

Contributed capital

62 000,00 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	113,2 k €	+5.4%	107,5 k €	-66.8%	323,7 k €	+41.5%	228,8 k €	-37.8%	368,1 k €	-0.4%	369,4 k €	+6.2%	347,8 k €	-9.9%	386 k €	+22.2%	315,9 k €	+20.2%	262,7 k €	+38.4%	189,8 k €	-48.6%	369,3 k €	+28.7%	286,9 k €	+12.8%	254,3 k €	+10.3%	230,6 k €	-23.0%	299,3 k €	+15.9%	258,3 k €	+13.5%	227,5 k €	+1.7%	223,8 k €
EBITDA	-3,8 k €	-2163%	184,4 €	-99.9%	203,7 k €	+1010%	18,4 k €	-90.5%	193,4 k €	-5.6%	204,8 k €	+15.2%	177,8 k €	-19.1%	219,8 k €	+30.0%	169 k €	+48.2%	114 k €	+203%	37,6 k €	-82.9%	219,4 k €	+55.9%	140,8 k €	+25.8%	111,9 k €	+24.3%	90 k €	-47.2%	170,4 k €	+30.3%	130,7 k €	+19.6%	109,3 k €	+3.6%	105,5 k €
Operating result	-3,8 k €	-2163%	184,4 €	-99.9%	203,7 k €	+1010%	18,4 k €	-90.5%	193,4 k €	-5.6%	204,8 k €	+15.2%	177,8 k €	-19.1%	219,8 k €	+30.0%	169 k €	+48.2%	114 k €	+203%	37,6 k €	-82.9%	219,4 k €	+55.9%	140,8 k €	+25.8%	111,9 k €	+24.3%	90 k €	-47.2%	170,4 k €	+30.3%	130,7 k €	+19.6%	109,3 k €	+3.6%	105,5 k €
Net result	18,5 k €	-51.5%	38,1 k €	-79.4%	185,1 k €	+1010%	16,7 k €	-88.4%	144,1 k €	-5.6%	152,6 k €	+22.4%	124,7 k €	-18.9%	153,7 k €	+39.4%	110,3 k €	+43.9%	76,6 k €	+178%	27,5 k €	-81.2%	146,5 k €	+47.5%	99,4 k €	+23.9%	80,2 k €	+23.2%	65,1 k €	-45.7%	119,8 k €	+30.7%	91,7 k €	+19.2%	76,9 k €	+5.3%	73 k €
Balance sheet
Equity	1,4 M €	+1.3%	1,4 M €	+2.8%	1,4 M €	+15.7%	1,2 M €	+1.4%	1,2 M €	+14.2%	1 M €	+17.7%	863,8 k €	+16.9%	739,1 k €	+26.3%	585,4 k €	+32.0%	443,5 k €	+20.9%	366,9 k €	-26.9%	501,8 k €	-41.3%	855,3 k €	+13.1%	755,9 k €	+11.9%	675,8 k €	+10.7%	610,7 k €	+24.4%	490,8 k €	+23.0%	399,1 k €	+4.4%	382,2 k €
Total assets	1,5 M €	+1.1%	1,4 M €	-14.7%	1,7 M €	+26.5%	1,3 M €	+3.8%	1,3 M €	-13.9%	1,5 M €	+61.6%	922,9 k €	-24.5%	1,2 M €	+4.0%	1,2 M €	+141%	487,3 k €	+7.6%	453 k €	-24.4%	599,3 k €	-42.8%	1 M €	+33.4%	784,8 k €	-28.4%	1,1 M €	-16.0%	1,3 M €	+31.3%	993,3 k €	+39.5%	712,1 k €	-23.1%	925,5 k €
Cash	5,5 k €	-72.4%	20,1 k €	+15.7%	17,3 k €	-51.1%	35,4 k €	-52.6%	74,7 k €	-8.3%	81,5 k €	-7.8%	88,4 k €	-53.8%	191,1 k €	+281%	50,2 k €	+87.4%	26,8 k €	+352%	5,9 k €	-61.6%	15,5 k €	-39.4%	25,5 k €	-11.9%	29 k €	+190%	10 k €	+277%	2,7 k €	-67.5%	8,2 k €	-14.6%	9,6 k €	+128%	4,2 k €
Debts	35,2 k €	-6.5%	37,6 k €	-88.4%	324,4 k €	+108%	156 k €	+26.2%	123,7 k €	-74.0%	475,3 k €	+728%	57,4 k €	-88.1%	484,1 k €	-17.5%	586,7 k €	+2161%	25,9 k €	-63.2%	70,5 k €	-21.0%	89,2 k €	-49.8%	177,6 k €	+531%	28,1 k €	-93.2%	414 k €	-39.5%	684,9 k €	+39.7%	490,1 k €	+64.8%	297,4 k €	-45.2%	542,8 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 3 active · 9 ended

Active mandates

FREDERIC DERUMEAUX

Director

Active

JULIEN DERUMEAUX

Director

Active

MARIANNE VERVAEKE

Managing director

Active

Ended mandates

FREDERIC DERUMEAUX

Director · since 20 septembre 2012

Ended

JULIEN DERUMEAUX

Director · since 20 septembre 2012

Ended

Anneliese MEEUS

Director · since 06 octobre 2009

Ended

Anne MEEUS

Director

Ended

At this address

Other companies at this address

Company	CBE no.
Immo Vervaeke● Active	0420.579.132
Vehicle & Trailer Service● Active	0464.874.280
VERINSTRUCT● Active	0430.686.829
Vervaeke● Active	0405.456.634

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	31/08/2026	29/08/2025	26/08/2024	24/08/2023	30/08/2022	23/08/2021
General meeting	31/08/2026	29/08/2025	23/08/2024	19/07/2023	17/06/2022	18/06/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	31/08/2026	31/08/2026	Dutch	PDF
Abridged model	31/12/2024	29/08/2025	29/08/2025	Dutch	PDF
Abridged model	31/12/2023	23/08/2024	26/08/2024	Dutch	PDF
Abridged model	31/12/2022	19/07/2023	24/08/2023	Dutch	PDF
Abridged model	31/12/2021	17/06/2022	30/08/2022	Dutch	PDF
Abridged model	31/12/2020	18/06/2021	23/08/2021	Dutch	PDF
Abridged model	31/12/2019	08/09/2020	05/11/2020	Dutch	PDF
Abridged model	31/12/2018	21/06/2019	17/07/2019	Dutch	PDF
Abridged model	31/12/2017	15/06/2018	23/08/2018	Dutch	PDF
Abridged model	31/12/2016	16/06/2017	14/07/2017	Dutch	PDF
Abridged model	31/12/2015	17/06/2016	30/08/2016	Dutch	PDF
Abridged model	31/12/2014	19/06/2015	24/07/2015	Dutch	PDF
Abridged model	31/12/2013	20/06/2014	01/08/2014	Dutch	PDF
Abridged model	31/12/2012	21/06/2013	12/08/2013	Dutch	PDF
Abridged model	31/12/2011	15/06/2012	27/08/2012	Dutch	PDF
Abridged model	31/12/2010	17/06/2011	29/08/2011	Dutch	PDF
Abridged model	31/12/2009	18/06/2010	27/08/2010	Dutch	PDF
Abridged model	31/12/2008	19/06/2009	19/08/2009	Dutch	PDF
Abridged model	31/12/2007	20/06/2008	28/08/2008	Dutch	PDF
Abridged model	31/12/2006	15/06/2007	31/07/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 100 k€ and 250 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 3 active · 9 ended

Active mandates

FREDERIC DERUMEAUX

Director

Active

JULIEN DERUMEAUX

Director

Active

MARIANNE VERVAEKE

Managing director

Active

Ended mandates

FREDERIC DERUMEAUX

Director · since 20 septembre 2012

Ended

JULIEN DERUMEAUX

Director · since 20 septembre 2012

Ended

Anneliese MEEUS

Director · since 06 octobre 2009

Ended

Anne MEEUS

Director

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates29/10/2024
ONTSLAGEN - BENOEMINGEN
PDF
Mandates05/04/2023
ONTSLAGEN - BENOEMINGEN
PDF
Mandates10/01/2020
ONTSLAGEN - BENOEMINGEN
PDF
Mandates22/03/2019
ONTSLAGEN - BENOEMINGEN
PDF
Mandates08/05/2017
ONTSLAGEN - BENOEMINGEN
PDF
Mandates25/10/2013
ONTSLAGEN - BENOEMINGEN
PDF
Mandates08/11/2012
ONTSLAGEN - BENOEMINGEN
PDF
Mandates08/12/2010
ONTSLAGEN - BENOEMINGEN
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 202518,5 k €↓
2024
Annual accounts 202438,1 k €↓
2023
Annual accounts 2023185,1 k €↑
2022
Annual accounts 202216,7 k €↓
2021
Annual accounts 2021144,1 k €↓
2020
Annual accounts 2020152,6 k €↑
2019
Annual accounts 2019124,7 k €↓
2018
Annual accounts 2018153,7 k €↑
2017
Annual accounts 2017110,3 k €↑
2015
Annual accounts 201576,6 k €↑
2014
Annual accounts 201427,5 k €↓
2013
Annual accounts 2013146,5 k €↑
2012
Annual accounts 201299,4 k €↑
2011
Annual accounts 201180,2 k €↑
2010
Annual accounts 201065,1 k €↓
2009
Annual accounts 2009119,8 k €↑
2008
Annual accounts 200891,7 k €↑
2007
Annual accounts 200776,9 k €↑
2006
Annual accounts 200673 k €
23/03/1983
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

Assuver

Overview

What does Assuver do?

Trend over 19 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline