Summary
REAC 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 €7.8m and a net result of €13,089. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 82% of 5593 sector peers (fiscal year 2025). The company has been active since 2008 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 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
25 d early
2023
27 d late
2022
25 d late
2021
50 d late
2020
19 d late
2019
28 d late
← 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 14 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 25 August (4 of the last 5 filed years within 50 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 company by equity in Lochristi, Finance and insurance sector
Equity
€7.8m▲ 0.2%
2024 · €7.8m
Net result
€13,089
2024 · -€36,453
Total assets
€9.0m▼ 0.1%
2024 · €9.0m
Solvency
86.5%▲ 0.2pp
2024 · 86.3%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,536▲ 1,949%€11,079▲ 5.1%€9,304▼ 16.0%€27,389▲ 194%€13,296▼ 51.5%
Net result€10,888within the sector's middle half▲ 2,041%€18,813within the sector's middle half▲ 72.8%€25,000within the sector's middle half▲ 32.9%-€36,453below the sector's middle half€13,089within the sector's middle half
Equity€7.8mabove the sector's middle half▲ 0.1%€7.8mabove the sector's middle half▲ 0.2%€7.8mabove the sector's middle half▲ 0.3%€7.8mabove the sector's middle half▼ 0.5%€7.8mabove the sector's middle half▲ 0.2%
Total assets€13.0mabove the sector's middle half▲ 66.4%€13.0mabove the sector's middle half▲ 0.1%€8.9mabove the sector's middle half▼ 32.0%€9.0mabove the sector's middle half▲ 2.1%€9.0mabove the sector's middle half▼ 0.1%
Debt€5.2m▲ 21,533%€5.2m▼ 0.1%€1.0m▼ 80.5%€1.2m▲ 21.6%€1.2m▼ 1.5%
Working capital€4.2mabove the sector's middle half€4.2mabove the sector's middle half▲ 0.3%€45,457within the sector's middle half▼ 98.9%€9,003within the sector's middle half▼ 80.2%€22,092within the sector's middle half▲ 145%
Solvency60.0%within the sector's middle half▼ 39.7pp60.0%within the sector's middle half▲ 0.1pp88.5%above the sector's middle half▲ 28.5pp86.3%above the sector's middle half▼ 2.2pp86.5%above the sector's middle half▲ 0.2pp
Current ratio5.16above the sector's middle half▲ 4.545.17above the sector's middle half▲ 0.011.04within the sector's middle half▼ 4.131.01within the sector's middle half▼ 0.041.02within the sector's middle half▲ 0.01
Return on assets (ROA)0.1%below the sector's middle half▲ 0.1pp0.1%below the sector's middle half▲ 0.1pp0.3%below the sector's middle half▲ 0.1pp-0.4%below the sector's middle half▼ 0.7pp0.1%below the sector's middle half▲ 0.5pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.0m
Fixed assets
€7.8m =
Current assets
€1.2m ▼ 0.5%
Equity and liabilities €9.0m
Equity
€7.8m ▲ 0.2%
Provisions
€6,279 =
Debt
€1.2m ▼ 1.5%
Debt's share of the balance-sheet total falls from 13.6% to 13.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.2%▲
2024 · -0.5%
Debt ≤ 1 year
€1.2m▼
2024 · €1.2m
Staff costs
€98,092▲
2024 · €48,747
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 |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €7,282 | - |
| Remuneration, social security and pensions62 | €23,846 | €26,982 | €26,643 | €48,747 | €98,092 | ▲ 101% |
| Other operating charges640/8 | €988 | €990 | €2,516 | €1,108 | €1,409 | ▲ 27.2% |
| Gross operating margin9900 | €35,371 | €39,051 | €38,463 | €77,244 | €112,797 | ▲ 46.0% |
| Operating profit (loss)9901 | €10,536 | €11,079 | €9,304 | €27,389 | €13,296 | ▼ 51.5% |
| Financial income75/76B | €195,436 | €7,734 | €15,697 | - | - | - |
| Recurring financial income75 | €195,436 | €7,734 | €15,697 | - | - | - |
| Financial charges65/66B | €195,084 | - | - | €57,007 | €207 | ▼ 99.6% |
| Recurring financial charges65 | €195,084 | - | - | €57,007 | €207 | ▼ 99.6% |
| Profit (loss) for the period before taxes9903 | €10,888 | €18,813 | €25,000 | -€29,618 | €13,089 | ▲ 144% |
| Income taxes67/77 | - | - | - | €6,835 | - | - |
| Profit (loss) for the period9904 | €10,888 | €18,813 | €25,000 | -€36,453 | €13,089 | ▲ 136% |
| Profit (loss) for the period to be appropriated9905 | €10,888 | €18,813 | €25,000 | -€36,453 | €13,089 | ▲ 136% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13.0m | €13.0m | €8.9m | €9.0m | €9.0m | ▼ 0.1% |
| Fixed assets21/28 | €7.8m | €7.8m | €7.8m | €7.8m | €7.8m | = |
| Financial fixed assets28 | €7.8m | €7.8m | €7.8m | €7.8m | €7.8m | = |
| Current assets29/58 | €5.2m | €5.2m | €1.1m | €1.2m | €1.2m | ▼ 0.5% |
| Amounts receivable within one year40/41 | €5.2m | €5.2m | €1.1m | €1.2m | €1.2m | ▼ 0.3% |
| Trade receivables40 | - | €14,399 | €26,741 | €54,511 | €14,075 | ▼ 74.2% |
| Other amounts receivable41 | €5.2m | €5.2m | €1.0m | €1.2m | €1.2m | ▲ 3.1% |
| Cash at bank and in hand54/58 | €9,676 | €1,596 | €918 | €10,248 | €8,857 | ▼ 13.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13.0m | €13.0m | €8.9m | €9.0m | €9.0m | ▼ 0.1% |
| Equity10/15 | €7.8m | €7.8m | €7.8m | €7.8m | €7.8m | ▲ 0.2% |
| Contributions10/11 | €7.8m | €7.8m | €7.8m | €7.8m | €7.8m | = |
| Capital10 | €7.8m | €7.8m | €7.8m | €7.8m | €7.8m | = |
| Issued capital100 | €7.8m | €7.8m | €7.8m | €7.8m | €7.8m | = |
| Profit (loss) carried forward14 | -€24,934 | -€6,120 | €18,879 | -€17,574 | -€4,485 | ▲ 74.5% |
| Provisions and deferred taxes16 | €6,279 | €6,279 | €6,279 | €6,279 | €6,279 | = |
| Provisions for liabilities and charges160/5 | €6,279 | €6,279 | €6,279 | €6,279 | €6,279 | = |
| Taxes161 | €6,279 | €6,279 | €6,279 | €6,279 | €6,279 | = |
| Amounts payable17/49 | €5.2m | €5.2m | €1.0m | €1.2m | €1.2m | ▼ 1.5% |
| Amounts payable after more than one year17 | €4.0m | €4.2m | - | - | - | - |
| Financial debts170/4 | €4.0m | €4.2m | - | - | - | - |
| Amounts payable within one year42/48 | €1.0m | €1.0m | €1.0m | €1.2m | €1.2m | ▼ 1.5% |
| Trade debts44 | €754 | €829 | €3,169 | €9,937 | €2,196 | ▼ 77.9% |
| Suppliers440/4 | €754 | €829 | €3,169 | €9,937 | €2,196 | ▼ 77.9% |
| Taxes, remuneration and social security45 | €7,888 | €8,053 | €8,073 | €19,860 | €9,851 | ▼ 50.4% |
| Taxes450/3 | €1,999 | €2,110 | €2,106 | €10,143 | €5,733 | ▼ 43.5% |
| Remuneration and social security454/9 | €5,890 | €5,943 | €5,967 | €9,717 | €4,118 | ▼ 57.6% |
| Other amounts payable47/48 | €1.0m | €1.0m | €1.0m | €1.2m | €1.2m | ▼ 0.1% |
| Accrued charges and deferred income492/3 | €195,000 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,888 | €18,813 | €25,000 | -€36,453 | €13,089 | ▲ 136% |
| Operating cash flow (approximation) | €10,888 | €18,813 | €25,000 | -€36,453 | €13,089 | ▲ 136% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1 | €0 | ▲ 100% |
| Change in cash | - | -€8,080 | -€678 | €9,330 | -€1,391 | ▼ 115% |
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €13,089
Net result €13,089 after one loss-making year.
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€36,453
Net result drops to -€36,453, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2018net €25,000 ▲32.9%
Net result €25,000, the highest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
31-12
Financial
Liquidity times 8current ratio 5.16
Current ratio from 0.62 to 5.16.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Back to profitnet €509
Net result €509 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
Show earlier events
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 20 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Lochristi
Ground area
2,036 m²
Building footprint
1,016 m²
Volume, LiDAR
10,612 m³
Parcel 44034C0408/00P000, Flanders · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
18
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0408/00P000 | Flanders | 2,036 m² | 1 · 1,016 m² | 15.2 m · 4 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 6,782 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPartnership limited by shares
Founded24-12-2008
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0808706024
Also
9925:BE0808706024
Registered
22-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.