R.E. @dvisors
ActiveSummary
R.E. @dvisors is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€18,369) and a net result of -€13,365. Equity is growing by ~30.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 2464 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2464 sector peers (2025).
NBB · sector comparisonPosition among 2464 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-01-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
51 d early
2023
65 d early
2022
9 d early
2021
24 d late
2020
11 d late
2019
5 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€18,369▼ 267%
2024 · -€5,005
Net result
-€13,365
2024 · €22,665
Total assets
€22,179▲ 12.7%
2024 · €19,677
Solvency
-82.8%▼ 57.4pp
2024 · -25.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€87€13,474▲ 15,403%€22,254▲ 65.2%€24,885▲ 11.8%-€13,269
Net result-€2,559below the sector's middle half▲ 95.0%€13,435within the sector's middle half€22,072within the sector's middle half▲ 64.3%€22,665within the sector's middle half▲ 2.7%-€13,365below the sector's middle half
Equity-€63,176below the sector's middle half▼ 4.2%-€49,741below the sector's middle half▲ 21.3%-€27,669below the sector's middle half▲ 44.4%-€5,005below the sector's middle half▲ 81.9%-€18,369below the sector's middle half▼ 267%
Total assets€977below the sector's middle half▼ 55.8%€4,111below the sector's middle half▲ 321%€25,580below the sector's middle half▲ 522%€19,677below the sector's middle half▼ 23.1%€22,179below the sector's middle half▲ 12.7%
Debt€64,153▲ 2.1%€53,851▼ 16.1%€53,249▼ 1.1%€24,681▼ 53.6%€40,549▲ 64.3%
Working capital-€63,176below the sector's middle half▼ 4.2%-€49,741below the sector's middle half▲ 21.3%-€27,166below the sector's middle half▲ 45.4%-€5,629below the sector's middle half▲ 79.3%-€28,354below the sector's middle half▼ 404%
Solvency-6464.9%below the sector's middle half▼ 3722.5pp-1210.1%below the sector's middle half▲ 5254.8pp-108.2%below the sector's middle half▲ 1101.9pp-25.4%below the sector's middle half▲ 82.7pp-82.8%below the sector's middle half▼ 57.4pp
Current ratio0.48below the sector's middle half0.77below the sector's middle half▲ 0.290.27below the sector's middle half▼ 0.51
Return on assets (ROA)86.3%above the sector's middle half115.2%above the sector's middle half▲ 28.9pp-60.3%below the sector's middle half▼ 175.4pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13,269 after €24,885 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22,179
Fixed assets
€11,937 ▲ 1,812%
Current assets
€10,243 ▼ 46.2%
Key figures and ratios
Debt ≤ 1 year
€38,596▲
2024 · €24,681
Staff costs
€44,645
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €44,645 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €156 | €1,093 | ▲ 603% |
| Other operating charges640/8 | - | €1,664 | €767 | €740 | €624 | ▼ 15.6% |
| Gross operating margin9900 | €672 | €15,137 | €23,021 | €25,781 | €33,093 | ▲ 28.4% |
| Operating profit (loss)9901 | €87 | €13,474 | €22,254 | €24,885 | -€13,269 | ▼ 153% |
| Financial income75/76B | - | - | - | €0 | €6 | ▲ 3,667% |
| Recurring financial income75 | - | - | - | €0 | €6 | ▲ 3,667% |
| Financial charges65/66B | - | €39 | €182 | €45 | €101 | ▲ 127% |
| Recurring financial charges65 | €2,646 | €39 | €182 | €45 | €101 | ▲ 127% |
| Profit (loss) for the period before taxes9903 | -€2,559 | €13,435 | €22,072 | €24,840 | -€13,365 | ▼ 154% |
| Income taxes67/77 | - | - | - | €2,176 | - | - |
| Profit (loss) for the period9904 | -€2,559 | €13,435 | €22,072 | €22,665 | -€13,365 | ▼ 159% |
| Profit (loss) for the period to be appropriated9905 | -€2,559 | €13,435 | €22,072 | €22,665 | -€13,365 | ▼ 159% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €977 | €4,111 | €25,580 | €19,677 | €22,179 | ▲ 12.7% |
| Fixed assets21/28 | - | - | - | €624 | €11,937 | ▲ 1,812% |
| Intangible fixed assets21 | - | - | - | - | €5,075 | - |
| Tangible fixed assets22/27 | - | - | - | €624 | €6,862 | ▲ 999% |
| Plant, machinery and equipment23 | - | - | - | €624 | €3,521 | ▲ 464% |
| Furniture and vehicles24 | - | - | - | - | €3,340 | - |
| Current assets29/58 | €977 | €4,111 | €25,580 | €19,052 | €10,243 | ▼ 46.2% |
| Amounts receivable within one year40/41 | €942 | €3,661 | €6,087 | €17,874 | €782 | ▼ 95.6% |
| Trade receivables40 | - | - | €1,579 | €1,716 | €782 | ▼ 54.5% |
| Other amounts receivable41 | - | €3,661 | €4,508 | €16,158 | - | - |
| Cash at bank and in hand54/58 | €35 | €450 | €197 | €79 | €4,281 | ▲ 5,353% |
| Deferred charges and accrued income490/1 | - | - | €19,296 | €1,100 | €5,181 | ▲ 371% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €977 | €4,111 | €25,580 | €19,677 | €22,179 | ▲ 12.7% |
| Equity10/15 | -€63,176 | -€49,741 | -€27,669 | -€5,005 | -€18,369 | ▼ 267% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | -€75,576 | -€62,141 | -€40,069 | -€17,405 | -€30,769 | ▼ 76.8% |
| Amounts payable17/49 | €64,153 | €53,851 | €53,249 | €24,681 | €40,549 | ▲ 64.3% |
| Amounts payable within one year42/48 | €64,153 | €53,851 | €52,746 | €24,681 | €38,596 | ▲ 56.4% |
| Trade debts44 | €5,274 | €3,963 | €17,465 | €987 | €12,530 | ▲ 1,170% |
| Suppliers440/4 | - | €3,963 | €17,465 | €987 | €12,530 | ▲ 1,170% |
| Taxes, remuneration and social security45 | - | - | - | €2,176 | €7,403 | ▲ 240% |
| Taxes450/3 | - | - | - | €2,176 | - | - |
| Remuneration and social security454/9 | - | - | - | - | €7,403 | - |
| Other amounts payable47/48 | - | €49,889 | €35,281 | €21,518 | €18,664 | ▼ 13.3% |
| Accrued charges and deferred income492/3 | - | - | €503 | - | €1,952 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,559 | €13,435 | €22,072 | €22,665 | -€13,365 | ▼ 159% |
| + Depreciation and write-downs630 | - | - | - | €156 | €1,093 | ▲ 603% |
| Operating cash flow (approximation) | -€2,559 | €13,435 | €22,072 | €22,820 | -€12,272 | ▼ 154% |
| Investment in fixed assets (approximation) | - | - | - | - | -€12,405 | - |
| Change in cash | - | €414 | -€253 | -€118 | €4,202 | ▲ 3,648% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €22,665 ▲2.7%
Operating result €24,885, net result €22,665, both a record.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-05
Financial
Back to profitnet €13,435
Net result €13,435 after 2 loss-making years.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-05
Financial
Weakest financial yearnet -€51,452
Net result drops to -€51,452, the lowest in the series; recovery starts the following year.
2019
26-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
24-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 2009
Ground area
1.4 ha
Building footprint
114 m²
Volume, LiDAR
47 m³
2 parcels, Flanders · tallest building 4.8 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
R.E. @dvisors
since 20092.186.134.431
Bonsure
since 20242.363.397.377
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048B0389/00T000 | Flanders | 1.3 ha | 1 · 13 m² | 4.8 m · 1 fl. |
| 46016C0962/00D002 | Flanders | 274 m² | 1 · 101 m² | 0.1 m |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 942 EUR awarded · 942 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 600 EUR | 600 EUR |
| 2024 | 1 | 342 EUR | 342 EUR |
Similar companies · same sector and region
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-11-2009
Fiscal year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0820547249
Also
9925:BE0820547249
Registered
09-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.