Summary
Reynassur 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 €1.8m and a net result of €135,142. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 1495 sector peers (fiscal year 2025). The company has been active since 1994 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 · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-05-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
30 d late
2023
on the day
2022
17 d late
2021
31 d late
2020
4 d late
2019
29 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 19 days after 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#7 oldest company in Lochristi, Finance and insurance sector
Equity
€1.8m▲ 7.5%
2024 · €1.6m
Net result
€135,142▼ 8.2%
2024 · €147,159
Total assets
€5.0m▼ 4.1%
2024 · €5.2m
Solvency
35.7%▲ 3.9pp
2024 · 31.9%
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€458,704▲ 39.1%€467,317▲ 1.9%€448,202▼ 4.1%€307,654▼ 31.4%€247,082▼ 19.7%
Net result€302,304▲ 53.4%€285,667▼ 5.5%€281,484▼ 1.5%€147,159▼ 47.7%€135,142▼ 8.2%
Equity€1.3m▲ 30.6%€1.2m▼ 3.9%€1.5m▲ 20.9%€1.6m▲ 9.8%€1.8m▲ 7.5%
Total assets€2.9m▲ 8.7%€2.9m▲ 2.5%€3.8m▲ 28.0%€5.2m▲ 37.1%€5.0m▼ 4.1%
Debt€1.6m▼ 4.3%€1.7m▲ 7.7%€2.3m▲ 33.2%€3.5m▲ 55.0%€3.2m▼ 9.5%
Working capital€147,844€268,615▲ 81.7%€497,506▲ 85.2%€541,127▲ 8.8%-€1.0m
Solvency44.9%▲ 7.5pp42.1%▼ 2.8pp39.8%▼ 2.4pp31.9%▼ 7.9pp35.7%▲ 3.9pp
Staff (FTE)4.8▲ 20.0%4.3▼ 10.4%4.1▼ 4.7%3.8▼ 7.3%3.9▲ 2.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 20% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.0m
Fixed assets
€4.8m ▲ 45.0%
Current assets
€171,064 ▼ 90.8%
Equity and liabilities €5.0m
Equity
€1.8m ▲ 7.5%
Debt
€3.2m ▼ 9.5%
Debt's share of the balance-sheet total falls from 68.1% to 64.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.6%▼
2024 · 8.9%
ROA
2.7%▼
2024 · 2.8%
Debt ≤ 1 year
€1.2m▼
2024 · €1.3m
Debt > 1 year
€1.9m▼
2024 · €2.1m
Income taxes
€38,010▼
2024 · €88,497
Staff costs
€258,589▲
2024 · €230,006
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 | €210,019 | €182,386 | €203,484 | €230,006 | €258,589 | ▲ 12.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €117,493 | €108,668 | €123,779 | €151,395 | €142,537 | ▼ 5.9% |
| Other operating charges640/8 | €11,535 | €12,594 | €149,035 | €282,257 | €343,183 | ▲ 21.6% |
| Non-recurring operating charges66A | - | €168,320 | - | - | - | - |
| Gross operating margin9900 | €797,751 | €939,284 | €924,500 | €971,311 | €991,390 | ▲ 2.1% |
| Operating profit (loss)9901 | €458,704 | €467,317 | €448,202 | €307,654 | €247,082 | ▼ 19.7% |
| Financial income75/76B | €3,709 | €1,432 | €7,715 | €25,850 | €30,963 | ▲ 19.8% |
| Recurring financial income75 | €1,093 | €1,432 | €7,715 | €25,850 | €30,963 | ▲ 19.8% |
| Non-recurring financial income76B | €2,616 | - | - | - | - | - |
| Financial charges65/66B | €38,522 | €64,797 | €68,285 | €97,847 | €104,893 | ▲ 7.2% |
| Recurring financial charges65 | €38,522 | €41,161 | €68,285 | €97,847 | €104,893 | ▲ 7.2% |
| Non-recurring financial charges66B | - | €23,636 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €423,891 | €403,952 | €387,631 | €235,657 | €173,152 | ▼ 26.5% |
| Income taxes67/77 | €121,587 | €118,285 | €106,147 | €88,497 | €38,010 | ▼ 57.1% |
| Profit (loss) for the period9904 | €302,304 | €285,667 | €281,484 | €147,159 | €135,142 | ▼ 8.2% |
| Transfer from tax-exempt reserves789 | - | - | - | €268,700 | €29,470 | ▼ 89.0% |
| Transfer to tax-exempt reserves689 | €126,300 | €126,300 | €71,570 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €176,004 | €159,367 | €209,914 | €415,859 | €164,612 | ▼ 60.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.9m | €2.9m | €3.8m | €5.2m | €5.0m | ▼ 4.1% |
| Fixed assets21/28 | €1.8m | €1.5m | €2.1m | €3.3m | €4.8m | ▲ 45.0% |
| Intangible fixed assets21 | €204,000 | €136,000 | €105,867 | €29,449 | €21,032 | ▼ 28.6% |
| Tangible fixed assets22/27 | €1.6m | €1.4m | €2.0m | €3.3m | €4.8m | ▲ 45.7% |
| Land and buildings22 | €1.6m | €1.4m | €2.0m | €3.2m | €4.6m | ▲ 43.9% |
| Plant, machinery and equipment23 | - | - | - | €50,352 | €45,273 | ▼ 10.1% |
| Furniture and vehicles24 | €15,971 | €11,466 | €6,961 | €2,627 | €90,588 | ▲ 3,348% |
| Current assets29/58 | €1.0m | €1.4m | €1.7m | €1.9m | €171,064 | ▼ 90.8% |
| Amounts receivable within one year40/41 | €57,110 | €23,538 | €44,257 | €55,995 | €64,485 | ▲ 15.2% |
| Trade receivables40 | - | €4,721 | - | €22,495 | €3,401 | ▼ 84.9% |
| Other amounts receivable41 | €57,110 | €18,817 | €44,257 | €33,500 | €61,083 | ▲ 82.3% |
| Current investments50/53 | - | - | €550,000 | - | - | - |
| Cash at bank and in hand54/58 | €941,798 | €1.3m | €989,265 | €1.7m | €10,455 | ▼ 99.4% |
| Deferred charges and accrued income490/1 | €48,724 | €80,864 | €73,594 | €78,012 | €96,124 | ▲ 23.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.9m | €2.9m | €3.8m | €5.2m | €5.0m | ▼ 4.1% |
| Equity10/15 | €1.3m | €1.2m | €1.5m | €1.6m | €1.8m | ▲ 7.5% |
| Contributions10/11 | €144,961 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €1.1m | €1.2m | €1.5m | €1.6m | €1.8m | ▲ 7.5% |
| Tax-exempt reserves132 | €268,887 | €395,187 | €466,757 | €198,057 | €168,587 | ▼ 14.9% |
| Distributable reserves133 | €868,400 | €843,300 | €1.0m | €1.4m | €1.6m | ▲ 10.6% |
| Profit (loss) carried forward14 | €7,360 | €67 | €981 | €1,040 | €1,103 | ▲ 6.0% |
| Amounts payable17/49 | €1.6m | €1.7m | €2.3m | €3.5m | €3.2m | ▼ 9.5% |
| Amounts payable after more than one year17 | €662,891 | €552,863 | €1.1m | €2.1m | €1.9m | ▼ 7.7% |
| Financial debts170/4 | €662,891 | €552,863 | €1.1m | €2.1m | €1.9m | ▼ 7.7% |
| Amounts payable within one year42/48 | €899,788 | €1.1m | €1.2m | €1.3m | €1.2m | ▼ 9.9% |
| Current portion of amounts payable after more than one year42 | €176,665 | €116,218 | €101,580 | €158,747 | €161,942 | ▲ 2.0% |
| Trade debts44 | €28,858 | €15,997 | €158,840 | €293,474 | €53,612 | ▼ 81.7% |
| Suppliers440/4 | €28,858 | €15,997 | €158,840 | €293,474 | €53,612 | ▼ 81.7% |
| Advances received on contracts in progress46 | €90,379 | €108,001 | €50,776 | - | €46,485 | - |
| Taxes, remuneration and social security45 | €95,138 | €97,737 | €62,642 | €67,315 | €62,469 | ▼ 7.2% |
| Taxes450/3 | €58,740 | €68,150 | €23,881 | €43,503 | €23,783 | ▼ 45.3% |
| Remuneration and social security454/9 | €36,398 | €29,587 | €38,761 | €23,812 | €38,686 | ▲ 62.5% |
| Other amounts payable47/48 | €508,748 | €789,699 | €785,774 | €807,301 | €870,616 | ▲ 7.8% |
| Accrued charges and deferred income492/3 | €19,604 | €23,469 | €41,768 | €102,584 | €60,330 | ▼ 41.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €302,304 | €285,667 | €281,484 | €147,159 | €135,142 | ▼ 8.2% |
| + Depreciation and write-downs630 | €117,493 | €108,668 | €123,779 | €151,395 | €142,537 | ▼ 5.9% |
| Operating cash flow (approximation) | €419,797 | €394,335 | €405,264 | €298,554 | €277,679 | ▼ 7.0% |
| Investment in fixed assets (approximation) | - | €168,320 | -€687,872 | -€1.3m | -€1.6m | ▼ 21.7% |
| Change in cash | - | €350,066 | -€302,599 | €744,691 | -€1.7m | ▼ 331% |
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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
30-09
Financial
Weakest financial yearnet €135,142 ▼8.2%
Net result drops to €135,142, the lowest in the series.
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 17 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-09
Financial
Equity above €1mEq €1.3m ▲30.6%
4 profitable years in a row build equity to €1.3m.
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
2019
30-09
Financial
Highest result since 2018net €309,652 ▲128%
Operating result €497,037, net result €309,652, both a record.
30-09
Financial
Equity above €500,000Eq €801,537 ▲63%
2 profitable years in a row build equity to €801,537.
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 24 days late
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
15-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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 · 2 establishment units since 1994
Ground area
3,469 m²
Building footprint
638 m²
Volume, LiDAR
840 m³
2 parcels, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
A.B.B.
since 19942.067.662.094
Denen 10, 9080 Lochristi
since 20252.371.932.585
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034B0824/00T002 | Flanders | 2,087 m² | 1 · 488 m² | - |
| 44076F0619/00G002 | Flanders | 1,382 m² | 1 · 150 m² | 7.8 m · 2 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900GJHC327DZFR595
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 1,766 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-06-1994
Fiscal year end30-09
Activities, NACEBEL 2025
66220Insurance agents and brokers
35120Electricity, gas, steam and air conditioning supply
Contact
Website
www.reynassur.be
E-mail
Reynassur@kbc.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0452829256
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.