RG ACCESS
ActiveSummary
RG ACCESS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,467 and a net result of €25,548. Equity is growing by ~78.9% per year across the filed fiscal years. Its solvency ranks better than 82% of 9557 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 5.51 against 5.35 in 2024; short-term debt: 16.9% and cash: 11.4% of total assets), and 16.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
83.1%
Return on assets
30.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 6 filingsDeviation from the deadline
2025
28 d late
2024
61 d late
2023
29 d late
2022
31 d late
2021
10 d late
2020
44 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 34 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% 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 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€69,467▲ 58.2%
2024 · €43,919
Total assets
€83,595▲ 57.3%
2024 · €53,147
Net result
€25,548▲ 59.0%
2024 · €16,065
Working capital
€63,769▲ 59.0%
2024 · €40,102
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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€3,077€10,550▲ 243%€16,718▲ 58.5%€19,634▲ 17.4%€30,122▲ 53.4%
Net result€1,558below the sector's middle half€8,653within the sector's middle half▲ 455%€13,357within the sector's middle half▲ 54.4%€16,065within the sector's middle half▲ 20.3%€25,548within the sector's middle half▲ 59.0%
Equity€5,844below the sector's middle half▲ 36.3%€14,497below the sector's middle half▲ 148%€27,854within the sector's middle half▲ 92.1%€43,919within the sector's middle half▲ 57.7%€69,467within the sector's middle half▲ 58.2%
Total assets€18,089below the sector's middle half▼ 1.0%€22,278below the sector's middle half▲ 23.2%€34,531below the sector's middle half▲ 55.0%€53,147below the sector's middle half▲ 53.9%€83,595within the sector's middle half▲ 57.3%
Debt€12,245▼ 12.5%€7,781▼ 36.5%€6,677▼ 14.2%€9,228▲ 38.2%€14,128▲ 53.1%
Working capital€1,646below the sector's middle half▲ 90.3%€11,511within the sector's middle half▲ 599%€25,283within the sector's middle half▲ 120%€40,102within the sector's middle half▲ 58.6%€63,769within the sector's middle half▲ 59.0%
Solvency32.3%within the sector's middle half▲ 8.9pp65.1%within the sector's middle half▲ 32.8pp80.7%above the sector's middle half▲ 15.6pp82.6%above the sector's middle half▲ 2.0pp83.1%above the sector's middle half▲ 0.5pp
Current ratio1.13below the sector's middle half▲ 0.072.48within the sector's middle half▲ 1.354.79above the sector's middle half▲ 2.315.35above the sector's middle half▲ 0.565.51above the sector's middle half▲ 0.17
Return on assets (ROA)8.6%within the sector's middle half▲ 9.8pp38.8%above the sector's middle half▲ 30.2pp38.7%above the sector's middle half▼ 0.2pp30.2%above the sector's middle half▼ 8.5pp30.6%above the sector's middle half▲ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, 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 has risen four years in a row; 2025 is 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83,595
Fixed assets
€5,698 ▲ 49.3%
Current assets
€77,897 ▲ 57.9%
Equity and liabilities €83,595
Equity
€69,467 ▲ 58.2%
Debt
€14,128 ▲ 53.1%
Debt's share of the balance-sheet total falls from 17.4% to 16.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32,202▲
2024 · €21,023
Cash flow
€27,628▲
2024 · €17,454
Debt to equity
0.20▼
2024 · 0.21
ROE
36.8%▲
2024 · 36.6%
Interest coverage
53.77▼
2024 · 106.30
Debt ≤ 1 year
€14,128▲
2024 · €9,228
Income taxes
€6,299▲
2024 · €4,758
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,649 | €1,878 | €1,738 | €1,390 | €2,079 | ▲ 49.6% |
| Other operating charges640/8 | €499 | €641 | €375 | €647 | €390 | ▼ 39.7% |
| Gross operating margin9900 | €5,225 | €13,069 | €18,831 | €21,670 | €32,592 | ▲ 50.4% |
| Operating profit (loss)9901 | €3,077 | €10,550 | €16,718 | €19,634 | €30,122 | ▲ 53.4% |
| Financial income75/76B | - | - | €354 | €1,387 | €2,323 | ▲ 67.6% |
| Recurring financial income75 | - | - | €354 | €1,387 | €2,323 | ▲ 67.6% |
| Financial charges65/66B | €1,214 | €815 | €375 | €198 | €599 | ▲ 203% |
| Recurring financial charges65 | €1,214 | €815 | €375 | €198 | €599 | ▲ 203% |
| Profit (loss) for the period before taxes9903 | €1,863 | €9,735 | €16,697 | €20,822 | €31,847 | ▲ 52.9% |
| Income taxes67/77 | €305 | €1,082 | €3,339 | €4,758 | €6,299 | ▲ 32.4% |
| Profit (loss) for the period9904 | €1,558 | €8,653 | €13,357 | €16,065 | €25,548 | ▲ 59.0% |
| Profit (loss) for the period to be appropriated9905 | €1,558 | €8,653 | €13,357 | €16,065 | €25,548 | ▲ 59.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €18,089 | €22,278 | €34,531 | €53,147 | €83,595 | ▲ 57.3% |
| Fixed assets21/28 | €4,198 | €2,986 | €2,571 | €3,817 | €5,698 | ▲ 49.3% |
| Tangible fixed assets22/27 | €4,198 | €2,986 | €2,571 | €3,817 | €5,698 | ▲ 49.3% |
| Plant, machinery and equipment23 | €2,706 | €2,177 | €1,967 | €1,310 | €2,055 | ▲ 56.9% |
| Furniture and vehicles24 | €1,492 | €809 | €604 | €2,508 | €3,644 | ▲ 45.3% |
| Current assets29/58 | €13,891 | €19,291 | €31,960 | €49,330 | €77,897 | ▲ 57.9% |
| Amounts receivable within one year40/41 | €9,498 | €17,042 | €27,957 | €49,052 | €68,381 | ▲ 39.4% |
| Trade receivables40 | €8,510 | €15,540 | €14,060 | €14,819 | €16,000 | ▲ 8.0% |
| Other amounts receivable41 | €988 | €1,502 | €13,897 | €34,234 | €52,381 | ▲ 53.0% |
| Cash at bank and in hand54/58 | €4,069 | €1,957 | €3,139 | €253 | €9,491 | ▲ 3,649% |
| Deferred charges and accrued income490/1 | €325 | €293 | €864 | €25 | €25 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €18,089 | €22,278 | €34,531 | €53,147 | €83,595 | ▲ 57.3% |
| Equity10/15 | €5,844 | €14,497 | €27,854 | €43,919 | €69,467 | ▲ 58.2% |
| Contributions10/11 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | = |
| Profit (loss) carried forward14 | €1,344 | €9,997 | €23,354 | €39,419 | €64,967 | ▲ 64.8% |
| Amounts payable17/49 | €12,245 | €7,781 | €6,677 | €9,228 | €14,128 | ▲ 53.1% |
| Amounts payable within one year42/48 | €12,245 | €7,781 | €6,677 | €9,228 | €14,128 | ▲ 53.1% |
| Trade debts44 | €626 | €1,889 | €1,255 | - | €2,160 | - |
| Suppliers440/4 | €626 | €1,889 | €1,255 | - | €2,160 | - |
| Taxes, remuneration and social security45 | €8,696 | €2,388 | €5,421 | €9,228 | €11,968 | ▲ 29.7% |
| Taxes450/3 | €8,696 | €2,388 | €5,421 | €9,228 | €11,968 | ▲ 29.7% |
| Other amounts payable47/48 | €2,923 | €3,504 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,558 | €8,653 | €13,357 | €16,065 | €25,548 | ▲ 59.0% |
| + Depreciation and write-downs630 | €1,649 | €1,878 | €1,738 | €1,390 | €2,079 | ▲ 49.6% |
| Operating cash flow (approximation) | €3,207 | €10,531 | €15,095 | €17,454 | €27,628 | ▲ 58.3% |
| Investment in fixed assets (approximation) | - | -€666 | -€1,323 | -€2,635 | -€3,961 | ▼ 50.3% |
| Change in cash | - | -€2,112 | €1,182 | -€2,886 | €9,238 | ▲ 420% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2020net €25,548 ▲59%
Operating result €30,122, net result €25,548, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.48
Current ratio from 1.13 to 2.48; short-term debt falls from €12,245 to €7,781.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-12
Financial
Back to profitnet €1,558
Net result €1,558 after one loss-making year.
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gesves · 1 establishment unit since 2019
Ground area
360 m²
Building footprint
75 m²
Parcel 92054E0170/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
RG ACCESS
since 20192.291.333.604
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054E0170/00P000 | Wallonia | 360 m² | 1 · 75 m² | - |
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 18,250 companies in sector 71111 we hold annual accounts for 6,321. 5,468 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
Founded10-07-2019
Fiscal year end31-12
Abbreviation FR
RGA
Activities, NACEBEL 2025
71111Activities of building architects
43230Insulation installation
43310Plastering work
43341Painting of buildings
43350Other building finishing work
43410Roofing work
43422Screed work
70100Activities of head offices
70200Business and other management consultancy
71121Engineering and related technical consultancy, excluding land surveyors
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0730562626
Also
9925:BE0730562626
Registered
28-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.