Summary
REWOL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €364,682 and a net result of €36,161. Equity is growing by about 7.7% per year across the filed financial years. Its solvency ranks better than 79% of 210 sector peers (NACE 64, financial year 2026). The company has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2026, micro format
In the rankings
#8 oldest company in Lubbeek, Finance and insurance sector
Equity
€364,682▼ 10.4%
2025 · €407,159
Net result
€36,161▼ 53.3%
2025 · €77,350
Total assets
€404,059▼ 6.9%
2025 · €434,166
Solvency
90.3%▼ 3.5pp
2025 · 93.8%
Trend over the years
2022 to 2026, 5 financial years 2019 to 2026, 8 financial years
The operating result falls in 2026; 2026 is 49% below 2025 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€5,351
2026
Net result€36,161
2026
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€404,059
2026
Equity€364,682
2026
Debt€39,377
2026
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€53,118
2026
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)8.9%
2026
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency90.3%
2026
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.35
2026
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20192020202120222023202420252026
Operating result-€154-€6,454€15,881▲ 146%€5,514▼ 65.3%€18,129▲ 229%€7,945▼ 56.2%€10,400▲ 30.9%€5,351▼ 48.6%
Net result€29,836-€131,974▲ 342%€77,091above the sector's middle half▼ 41.6%€127,239above the sector's middle half▲ 65.0%€37,340within the sector's middle half▼ 70.7%€37,471within the sector's middle half▲ 0.3%€77,350within the sector's middle half▲ 106%€36,161▼ 53.3%
Equity€213,693-€255,666▲ 19.6%€232,758within the sector's middle half▼ 9.0%€324,997within the sector's middle half▲ 39.6%€327,338within the sector's middle half▲ 0.7%€329,808within the sector's middle half▲ 0.8%€407,159above the sector's middle half▲ 23.5%€364,682▼ 10.4%
Total assets€381,120-€406,457▲ 6.6%€387,496within the sector's middle half▼ 4.7%€667,681within the sector's middle half▲ 72.3%€639,858within the sector's middle half▼ 4.2%€602,803within the sector's middle half▼ 5.8%€434,166within the sector's middle half▼ 28.0%€404,059▼ 6.9%
Debt€167,428-€150,791▼ 9.9%€154,738▲ 2.6%€342,684▲ 121%€312,520▼ 8.8%€272,994▼ 12.6%€27,007▼ 90.1%€39,377▲ 45.8%
Working capital-€89,047--€59,574▲ 33.1%-€82,052below the sector's middle half▼ 37.7%-€84,188below the sector's middle half▼ 2.6%-€93,002below the sector's middle half▼ 10.5%-€90,442below the sector's middle half▲ 2.8%€107,630within the sector's middle half€53,118▼ 50.6%
Solvency56.1%-62.9%▲ 6.8pp60.1%within the sector's middle half▼ 2.8pp48.7%within the sector's middle half▼ 11.4pp51.2%within the sector's middle half▲ 2.5pp54.7%within the sector's middle half▲ 3.6pp93.8%above the sector's middle half▲ 39.1pp90.3%▼ 3.5pp
Current ratio0.41-0.49▲ 0.080.37below the sector's middle half▼ 0.120.17below the sector's middle half▼ 0.190.12below the sector's middle half▼ 0.050.09below the sector's middle half▼ 0.035.19above the sector's middle half▲ 5.102.35▼ 2.84
Return on assets (ROA)7.8%-32.5%▲ 24.6pp19.9%within the sector's middle half▼ 12.6pp19.1%within the sector's middle half▼ 0.8pp5.8%within the sector's middle half▼ 13.2pp6.2%within the sector's middle half▲ 0.4pp17.8%within the sector's middle half▲ 11.6pp8.9%▼ 8.9pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €404,059
Fixed assets
€311,579 ▲ 3.6%
Current assets
€92,480 ▼ 30.6%
Equity and liabilities €404,059
Equity
€364,682 ▼ 10.4%
Debt
€39,377 ▲ 45.8%
Debt's share of the balance-sheet total rises from 6.2% to 9.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
9.9%▼
2025 · 19.0%
Debt ≤ 1 year
€39,362▲
2025 · €25,696
Income taxes
€8,641▼
2025 · €12,281
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,624 | €2,018 | €11,033 | €21,038 | €24,774 | €33,043 | €1,024 | €6,628 | ▲ 547% |
| Other operating charges640/8 | - | - | - | €4,447 | €3,489 | €3,220 | €3,105 | €4,249 | ▲ 36.8% |
| Non-recurring operating charges66A | - | - | - | - | - | - | €14,223 | - | - |
| Gross operating margin9900 | €9,209 | €9,544 | €28,493 | €30,999 | €46,392 | €44,208 | €28,753 | €16,227 | ▼ 43.6% |
| Operating profit (loss)9901 | -€154 | €6,454 | €15,881 | €5,514 | €18,129 | €7,945 | €10,400 | €5,351 | ▼ 48.6% |
| Financial income75/76B | - | - | - | €131,361 | €33,245 | €41,985 | €84,724 | €39,911 | ▼ 52.9% |
| Recurring financial income75 | €34,922 | €129,058 | €68,220 | €131,361 | €33,245 | €41,985 | €84,724 | €39,911 | ▼ 52.9% |
| Financial charges65/66B | - | - | - | €3,909 | €4,534 | €4,291 | €5,493 | €460 | ▼ 91.6% |
| Recurring financial charges65 | €541 | €734 | €886 | €3,909 | €4,534 | €4,291 | €5,493 | €460 | ▼ 91.6% |
| Profit (loss) for the period before taxes9903 | €34,227 | €134,778 | €83,214 | €132,966 | €46,839 | €45,638 | €89,632 | €44,803 | ▼ 50.0% |
| Income taxes67/77 | €4,391 | €2,804 | €6,123 | €5,726 | €9,499 | €8,168 | €12,281 | €8,641 | ▼ 29.6% |
| Profit (loss) for the period9904 | €29,836 | €131,974 | €77,091 | €127,239 | €37,340 | €37,471 | €77,350 | €36,161 | ▼ 53.3% |
| Profit (loss) for the period to be appropriated9905 | €29,836 | €131,974 | €77,091 | €127,239 | €37,340 | €37,471 | €77,350 | €36,161 | ▼ 53.3% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €381,120 | €406,457 | €387,496 | €667,681 | €639,858 | €602,803 | €434,166 | €404,059 | ▼ 6.9% |
| Fixed assets21/28 | €320,391 | €349,156 | €340,225 | €650,214 | €627,317 | €594,274 | €300,840 | €311,579 | ▲ 3.6% |
| Tangible fixed assets22/27 | €20,666 | €49,431 | €40,500 | €350,489 | €327,592 | €294,549 | €1,115 | €11,854 | ▲ 963% |
| Land and buildings22 | - | - | - | €317,577 | €304,278 | €290,980 | - | - | - |
| Plant, machinery and equipment23 | - | - | - | - | - | - | €0 | - | - |
| Furniture and vehicles24 | - | - | - | €32,912 | €23,314 | €3,569 | €1,115 | €11,854 | ▲ 963% |
| Financial fixed assets28 | €299,725 | €299,725 | €299,725 | €299,725 | €299,725 | €299,725 | €299,725 | €299,725 | = |
| Current assets29/58 | €60,729 | €57,301 | €47,271 | €17,467 | €12,541 | €8,528 | €133,326 | €92,480 | ▼ 30.6% |
| Amounts receivable within one year40/41 | €800 | €796 | €8,354 | €3,367 | - | - | €29,719 | €35,385 | ▲ 19.1% |
| Trade receivables40 | - | - | - | - | - | - | €29,719 | €9,075 | ▼ 69.5% |
| Other amounts receivable41 | - | - | - | €3,367 | - | - | - | €26,310 | - |
| Cash at bank and in hand54/58 | €59,544 | €56,108 | €38,502 | €10,924 | €10,011 | €7,237 | €101,345 | €40,686 | ▼ 59.9% |
| Deferred charges and accrued income490/1 | - | - | - | €3,177 | €2,530 | €1,291 | €2,263 | €16,410 | ▲ 625% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €381,120 | €406,457 | €387,496 | €667,681 | €639,858 | €602,803 | €434,166 | €404,059 | ▼ 6.9% |
| Equity10/15 | €213,693 | €255,666 | €232,758 | €324,997 | €327,338 | €329,808 | €407,159 | €364,682 | ▼ 10.4% |
| Contributions10/11 | €6,800 | - | - | €6,800 | €6,800 | €6,800 | €6,800 | €6,800 | = |
| Reserves13 | €45,638 | €45,638 | €45,638 | €45,638 | €45,638 | €45,638 | €122,988 | €79,350 | ▼ 35.5% |
| Non-distributable reserves130/1 | - | - | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves not available under the articles1311 | - | - | - | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | - | - | - | €43,638 | €43,638 | €43,638 | €120,988 | €77,350 | ▼ 36.1% |
| Profit (loss) carried forward14 | €161,254 | €203,228 | €180,320 | €272,559 | €274,900 | €277,370 | €277,370 | €278,532 | ▲ 0.4% |
| Amounts payable17/49 | €167,428 | €150,791 | €154,738 | €342,684 | €312,520 | €272,994 | €27,007 | €39,377 | ▲ 45.8% |
| Amounts payable after more than one year17 | €15,767 | €33,301 | €24,932 | €240,198 | €206,122 | €172,328 | - | - | - |
| Financial debts170/4 | - | - | - | €240,198 | €206,122 | €172,328 | - | - | - |
| Amounts payable within one year42/48 | €149,776 | €116,876 | €129,323 | €101,656 | €105,543 | €98,970 | €25,696 | €39,362 | ▲ 53.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €35,734 | €36,187 | €35,914 | €2,115 | €2,068 | ▼ 2.2% |
| Trade debts44 | €3,865 | €4,677 | €4,831 | €5,174 | €1,731 | €4,829 | €141 | €1,133 | ▲ 705% |
| Suppliers440/4 | - | - | - | €5,174 | €1,731 | €4,829 | €141 | €1,133 | ▲ 705% |
| Taxes, remuneration and social security45 | - | - | - | €6,086 | €15,399 | €7,960 | €13,000 | €1,161 | ▼ 91.1% |
| Taxes450/3 | - | - | - | €6,086 | €15,399 | €7,960 | €13,000 | €1,161 | ▼ 91.1% |
| Other amounts payable47/48 | - | - | - | €54,662 | €52,226 | €50,267 | €10,440 | €35,000 | ▲ 235% |
| Accrued charges and deferred income492/3 | - | - | - | €830 | €855 | €1,696 | €1,311 | €15 | ▼ 98.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,836 | €131,974 | €77,091 | €127,239 | €37,340 | €37,471 | €77,350 | €36,161 | ▼ 53.3% |
| + Depreciation and write-downs630 | €7,624 | €2,018 | €11,033 | €21,038 | €24,774 | €33,043 | €1,024 | €6,628 | ▲ 547% |
| Operating cash flow (approximation) | €37,460 | €133,992 | €88,124 | €148,278 | €62,115 | €70,514 | €78,374 | €42,789 | ▼ 45.4% |
| Investment in fixed assets (approximation) | - | -€30,783 | -€2,102 | -€331,027 | -€1,878 | €0 | €292,410 | -€17,366 | ▼ 106% |
| Change in cash | - | -€3,437 | -€17,605 | -€27,578 | -€913 | -€2,774 | €94,108 | -€60,659 | ▼ 164% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of the 24,717 companies in this sector, figures are known for 20,181. 14,012 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector