Summary
RAINYVE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €100.0m and a net result of €15.4m. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 71% of 2413 sector peers (fiscal year 2025). The company has been active since 1992 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 28-10-2025, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
112 d early
2023
126 d early
2022
127 d early
2021
59 d early
2020
96 d early
2019
116 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 104 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#1 company by total assets in Sint-Pieters-Woluwe, Finance and insurance sector#1 company by equity in Sint-Pieters-Woluwe, Finance and insurance sector#5 oldest company in Sint-Pieters-Woluwe, Finance and insurance sector
Equity
€100.0m▼ 19.7%
2024 · €124.5m
Net result
€15.4m▲ 99.2%
2024 · €7.8m
Total assets
€121.0m▼ 6.5%
2024 · €129.3m
Solvency
82.6%▼ 13.7pp
2024 · 96.3%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€153,274▼ 36.6%-€467,202▼ 205%-€418,269▲ 10.5%-€442,332▼ 5.8%-€1.4m▼ 211%
Net result€6.6m▲ 151%€11.3m▲ 71.1%€8.0m▼ 29.7%€7.8m▼ 2.7%€15.4m▲ 99.2%
Equity€114.7m▲ 6.1%€116.0m▲ 1.2%€121.6m▲ 4.8%€124.5m▲ 2.4%€100.0m▼ 19.7%
Total assets€114.7m▲ 6.1%€126.1m▲ 9.9%€124.0m▼ 1.6%€129.3m▲ 4.3%€121.0m▼ 6.5%
Debt€46,921▲ 31.4%€10.1m▲ 21,390%€2.4m▼ 75.8%€4.8m▲ 97.9%€20.0m▲ 315%
Working capital€25.7m▲ 17.1%€23.5m▼ 8.5%€26.7m▲ 13.6%€27.2m▲ 1.7%€8.9m▼ 67.3%
Solvency100.0%=92.0%▼ 8.0pp98.0%▲ 6.0pp96.3%▼ 1.8pp82.6%▼ 13.7pp
Staff (FTE)1.1=1.1=1.1=1.1=1.1=
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1.4m in 2025 against €442,332 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121.0m
Fixed assets
€92.1m ▼ 5.4%
Current assets
€28.9m ▼ 9.6%
Equity and liabilities €121.0m
Equity
€100.0m ▼ 19.7%
Provisions
€1.0m
Debt
€20.0m ▲ 315%
Debt's share of the balance-sheet total rises from 3.7% to 16.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
15.4%▲
2024 · 6.2%
ROA
12.8%▲
2024 · 6.0%
Debt ≤ 1 year
€20.0m▲
2024 · €4.8m
Income taxes
€978,580▲
2024 · €683,408
Staff costs
€76,259▲
2024 · €63,447
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 | - | €61,824 | €58,609 | €63,447 | €76,259 | ▲ 20.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €360 | €417 | €417 | €1,393 | ▲ 234% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | €1.0m | - |
| Other operating charges640/8 | - | €198,248 | €206,736 | €220,405 | €220,897 | ▲ 0.2% |
| Gross operating margin9900 | -€93,261 | -€206,770 | -€152,506 | -€158,063 | -€77,531 | ▲ 50.9% |
| Operating profit (loss)9901 | -€153,274 | -€467,202 | -€418,269 | -€442,332 | -€1.4m | ▼ 211% |
| Financial income75/76B | - | €14.4m | €12.6m | €11.5m | €18.9m | ▲ 63.7% |
| Recurring financial income75 | €5.0m | €14.4m | €9.0m | €10.4m | €10.7m | ▲ 3.0% |
| Non-recurring financial income76B | - | - | €3.6m | €1.2m | €8.2m | ▲ 596% |
| Financial charges65/66B | - | €2.0m | €3.5m | €2.7m | €1.1m | ▼ 58.7% |
| Recurring financial charges65 | -€145,875 | €455,574 | €281,285 | €229,463 | €318,530 | ▲ 38.8% |
| Non-recurring financial charges66B | - | €1.5m | €3.3m | €2.4m | €782,954 | ▼ 67.9% |
| Profit (loss) for the period before taxes9903 | €7.2m | €11.9m | €8.6m | €8.4m | €16.4m | ▲ 94.7% |
| Income taxes67/77 | €602,361 | €585,598 | €661,124 | €683,408 | €978,580 | ▲ 43.2% |
| Profit (loss) for the period9904 | €6.6m | €11.3m | €8.0m | €7.8m | €15.4m | ▲ 99.2% |
| Profit (loss) for the period to be appropriated9905 | €6.6m | €11.3m | €8.0m | €7.8m | €15.4m | ▲ 99.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €114.7m | €126.1m | €124.0m | €129.3m | €121.0m | ▼ 6.5% |
| Fixed assets21/28 | €89.0m | €92.5m | €94.9m | €97.4m | €92.1m | ▼ 5.4% |
| Tangible fixed assets22/27 | - | €1,726 | €1,309 | €892 | €8,175 | ▲ 816% |
| Furniture and vehicles24 | - | €1,726 | €1,309 | €892 | €475 | ▼ 46.8% |
| Other tangible fixed assets26 | - | - | - | - | €7,700 | - |
| Financial fixed assets28 | €89.0m | €92.5m | €94.9m | €97.4m | €92.1m | ▼ 5.4% |
| Current assets29/58 | €25.7m | €33.6m | €29.1m | €32.0m | €28.9m | ▼ 9.6% |
| Amounts receivable within one year40/41 | €954,574 | €4.1m | €2.3m | €2.8m | €6.2m | ▲ 124% |
| Other amounts receivable41 | - | €4.1m | €2.3m | €2.8m | €6.2m | ▲ 124% |
| Current investments50/53 | €4.0m | €3.7m | €19.5m | €25.5m | €20.7m | ▼ 18.7% |
| Cash at bank and in hand54/58 | €20.8m | €25.8m | €7.4m | €3.7m | €1.9m | ▼ 46.8% |
| Deferred charges and accrued income490/1 | - | €2,435 | €41,588 | €40,651 | €28,907 | ▼ 28.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €114.7m | €126.1m | €124.0m | €129.3m | €121.0m | ▼ 6.5% |
| Equity10/15 | €114.7m | €116.0m | €121.6m | €124.5m | €100.0m | ▼ 19.7% |
| Contributions10/11 | €25.0m | €25.0m | €25.0m | €25.0m | €25.0m | = |
| Capital10 | - | €25.0m | €25.0m | €25.0m | €25.0m | = |
| Issued capital100 | - | €25.0m | €25.0m | €25.0m | €25.0m | = |
| Reserves13 | €2.5m | €2.5m | €2.5m | €2.5m | €2.5m | = |
| Non-distributable reserves130/1 | - | €2.5m | €2.5m | €2.5m | €2.5m | = |
| Legal reserve130 | - | €2.5m | €2.5m | €2.5m | €2.5m | = |
| Distributable reserves133 | - | €37,246 | €37,246 | €37,246 | €37,246 | = |
| Profit (loss) carried forward14 | €87.1m | €88.5m | €94.0m | €97.0m | €72.4m | ▼ 25.3% |
| Provisions and deferred taxes16 | - | - | - | - | €1.0m | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | €1.0m | - |
| Other liabilities and charges164/5 | - | - | - | - | €1.0m | - |
| Amounts payable17/49 | €46,921 | €10.1m | €2.4m | €4.8m | €20.0m | ▲ 315% |
| Amounts payable within one year42/48 | €41,908 | €10.1m | €2.4m | €4.8m | €20.0m | ▲ 316% |
| Financial debts43 | - | €25 | €52 | €54 | €22 | ▼ 59.4% |
| Credit institutions430/8 | - | €25 | €52 | €54 | €22 | ▼ 59.4% |
| Trade debts44 | €16,331 | €12,643 | €3,945 | €8,393 | €12,943 | ▲ 54.2% |
| Suppliers440/4 | - | €12,643 | €3,945 | €8,393 | €12,943 | ▲ 54.2% |
| Taxes, remuneration and social security45 | - | €26,190 | €25,863 | €8,578 | €8,319 | ▼ 3.0% |
| Taxes450/3 | - | €19,247 | €19,090 | €308 | €0 | ▼ 100% |
| Remuneration and social security454/9 | - | €6,943 | €6,773 | €8,269 | €8,319 | ▲ 0.6% |
| Other amounts payable47/48 | - | €10.0m | €2.4m | €4.8m | €20.0m | ▲ 317% |
| Accrued charges and deferred income492/3 | - | €6,583 | €6,756 | €5,552 | €6,521 | ▲ 17.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6.6m | €11.3m | €8.0m | €7.8m | €15.4m | ▲ 99.2% |
| + Depreciation and write-downs630 | - | €360 | €417 | €417 | €1,393 | ▲ 234% |
| Operating cash flow (approximation) | €6.6m | €11.3m | €8.0m | €7.8m | €15.4m | ▲ 99.2% |
| Investment in fixed assets (approximation) | - | -€3.5m | -€2.4m | -€2.5m | €5.3m | ▲ 311% |
| Change in cash | - | €5.0m | -€18.5m | -€3.7m | -€1.7m | ▲ 54.0% |
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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Highest result since 2019net €15.4m ▲99.2%
Net result €15.4m, the highest in the series.
2024
11-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
30-06
Financial
Liquidity quadruplescurrent ratio 11.99
Current ratio from 3.33 to 11.99; short-term debt falls from €10.1m to €2.4m.
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
03-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Weakest financial yearnet €2.6m ▼52.3%
Net result drops to €2.6m, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 693.03
Current ratio from 258.82 to 693.03; short-term debt falls from €98,077 to €31,717.
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Sint-Pieters-Woluwe · 1 establishment unit since 1992
Ground area
2,170 m²
Building footprint
758 m²
Volume, LiDAR
10,042 m³
Parcel 21682C0149/00M002, Brussels · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
82
companies at this address
See who is registered here
1 establishment unit
Tervurenlaan 412, 1150 Sint-Pieters-Woluwe
since 19922.058.950.011
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0149/00M002 | Brussels | 2,170 m² | 1 · 758 m² | 18.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersOwners 2
-
24.98%
-
24.98%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
52990040CXGFLF5KWD10
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 1,822 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded30-06-1992
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0447757839
Also
9925:BE0447757839
Registered
18-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.