Summary
R.G.F. HOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €2.0m and a net result of -€21,986. Equity is growing by ~17% per year across the filed fiscal years. The company has been active since 2022 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 31-12-2024 was due by 31-07-2025 and was filed on 05-06-2025, 56 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
56 d early
2023
1 d early
2022
56 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 38 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 (1)
History
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Financials · fiscal year 2024, unclassified schema
Equity
€2.0m▼ 1.1%
2023 · €2.1m
Net result
-€21,986
2023 · €719,558
Total assets
€8.8m▲ 26.7%
2023 · €7.0m
Solvency
23.2%▼ 6.5pp
2023 · 29.7%
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
Line202220232024
Turnover€582,340-€1.2m▲ 100%€1.8m▲ 53.1%
Operating result€54,385--€188,575€40,795
Net result€226,781-€719,558▲ 217%-€21,986
Equity€1.3m-€2.1m▲ 53.3%€2.0m▼ 1.1%
Total assets€3.7m-€7.0m▲ 88.7%€8.8m▲ 26.7%
Debt€2.1m-€4.7m▲ 129%€6.6m▲ 41.1%
Working capital-€1.6m-€2.5m€5.0m▲ 98.9%
Solvency36.5%-29.7%▼ 6.8pp23.2%▼ 6.5pp
Staff (FTE)58.6▲ 72.0%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €40,795 after a loss of €188,575 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €8.8m
Fixed assets
€2.6m ▼ 8.0%
Current assets
€6.3m ▲ 50.0%
Equity and liabilities €8.8m
Equity
€2.0m ▼ 1.1%
Provisions
€150,085 ▼ 25.0%
Debt
€6.6m ▲ 41.1%
Debt's share of the balance-sheet total rises from 67.5% to 75.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-1.1%▼
2023 · 34.8%
ROA
-0.2%▼
2023 · 10.3%
Debt ≤ 1 year
€1.2m▼
2023 · €1.6m
Debt > 1 year
€5.4m▲
2023 · €3.1m
Income taxes
€61,867▲
2023 · €2,239
Staff costs
€643,411▲
2023 · €392,905
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Operating income70/76A | €582,340 | €1.2m | €1.8m | ▲ 48.3% |
| Turnover70 | €582,340 | €1.2m | €1.8m | ▲ 53.1% |
| Other operating income74 | - | €15,928 | €21,465 | ▲ 34.8% |
| Non-recurring operating income76A | - | €36,519 | - | - |
| Operating charges60/66A | €527,955 | €1.4m | €1.8m | ▲ 25.5% |
| Services and other goods61 | €390,721 | €727,028 | €787,879 | ▲ 8.4% |
| Remuneration, social security and pensions62 | - | €392,905 | €643,411 | ▲ 63.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €137,234 | €284,200 | €316,192 | ▲ 11.3% |
| Other operating charges640/8 | - | €1,569 | €16,532 | ▲ 954% |
| Operating profit (loss)9901 | €54,385 | -€188,575 | €40,795 | ▲ 122% |
| Financial income75/76B | - | €963,904 | €243,039 | ▼ 74.8% |
| Recurring financial income75 | - | €21 | €243,039 | ▲ 1,157,229% |
| Other financial income752/9 | - | €21 | €243,039 | ▲ 1,157,229% |
| Non-recurring financial income76B | - | €963,883 | - | - |
| Financial charges65/66B | €531 | €103,582 | €294,003 | ▲ 184% |
| Recurring financial charges65 | €531 | €3,583 | €294,003 | ▲ 8,105% |
| Debt charges650 | €531 | €3,325 | €293,611 | ▲ 8,730% |
| Other financial charges652/9 | - | €258 | €392 | ▲ 51.9% |
| Non-recurring financial charges66B | - | €99,999 | - | - |
| Profit (loss) for the period before taxes9903 | €53,854 | €671,747 | -€10,169 | ▼ 102% |
| Transfer from deferred taxes780 | €172,927 | €50,050 | €50,050 | = |
| Income taxes67/77 | - | €2,239 | €61,867 | ▲ 2,663% |
| Taxes670/3 | - | €2,239 | €61,867 | ▲ 2,663% |
| Profit (loss) for the period9904 | €226,781 | €719,558 | -€21,986 | ▼ 103% |
| Transfer from tax-exempt reserves789 | €171,873 | €150,149 | €150,149 | = |
| Transfer to tax-exempt reserves689 | €115,636 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €283,018 | €869,707 | €128,163 | ▼ 85.3% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €3.7m | €7.0m | €8.8m | ▲ 26.7% |
| Fixed assets21/28 | €3.2m | €2.8m | €2.6m | ▼ 8.0% |
| Intangible fixed assets21 | €1.4m | €1.1m | €823,740 | ▼ 25.0% |
| Tangible fixed assets22/27 | - | €79,770 | €131,491 | ▲ 64.8% |
| Furniture and vehicles24 | - | €79,770 | €131,491 | ▲ 64.8% |
| Financial fixed assets28 | €1.8m | €1.6m | €1.6m | = |
| Affiliated companies280/1 | €1.8m | €1.6m | €1.6m | = |
| Participating interests280 | €1.8m | €1.6m | €1.6m | = |
| Current assets29/58 | €507,374 | €4.2m | €6.3m | ▲ 50.0% |
| Amounts receivable after more than one year29 | €13,662 | €13,662 | €13,662 | = |
| Other amounts receivable291 | €13,662 | €13,662 | €13,662 | = |
| Amounts receivable within one year40/41 | €490,060 | €3.8m | €6.2m | ▲ 61.1% |
| Trade receivables40 | €28,315 | €37,389 | €8,105 | ▼ 78.3% |
| Other amounts receivable41 | €461,745 | €3.8m | €6.2m | ▲ 62.4% |
| Cash at bank and in hand54/58 | €3,652 | €317,656 | €53,740 | ▼ 83.1% |
| Deferred charges and accrued income490/1 | - | €5,909 | €11,486 | ▲ 94.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €3.7m | €7.0m | €8.8m | ▲ 26.7% |
| Equity10/15 | €1.3m | €2.1m | €2.0m | ▼ 1.1% |
| Contributions10/11 | €7,126 | €7,126 | €7,126 | = |
| Reserves13 | €1.2m | €1.1m | €935,228 | ▼ 13.8% |
| Non-distributable reserves130/1 | €712 | €712 | - | - |
| Reserves not available under the articles1311 | €712 | €712 | - | - |
| Tax-exempt reserves132 | €750,555 | €600,406 | €450,257 | ▼ 25.0% |
| Distributable reserves133 | €484,259 | €484,259 | €484,971 | ▲ 0.1% |
| Profit (loss) carried forward14 | €106,111 | €975,818 | €1.1m | ▲ 13.1% |
| Provisions and deferred taxes16 | €289,068 | €200,135 | €150,085 | ▼ 25.0% |
| Provisions for liabilities and charges160/5 | €38,883 | - | - | - |
| Other liabilities and charges164/5 | €38,883 | - | - | - |
| Deferred taxes168 | €250,185 | €200,135 | €150,085 | ▼ 25.0% |
| Amounts payable17/49 | €2.1m | €4.7m | €6.6m | ▲ 41.1% |
| Amounts payable after more than one year17 | - | €3.1m | €5.4m | ▲ 76.8% |
| Financial debts170/4 | - | €3.1m | €5.4m | ▲ 76.8% |
| Credit institutions173 | - | €3.1m | €89,304 | ▼ 97.1% |
| Other loans174 | - | - | €5.3m | - |
| Amounts payable within one year42/48 | €2.1m | €1.6m | €1.2m | ▼ 25.4% |
| Current portion of amounts payable after more than one year42 | €17,684 | €20,397 | €264,301 | ▲ 1,196% |
| Trade debts44 | €6,673 | €59,066 | €70,823 | ▲ 19.9% |
| Suppliers440/4 | €6,673 | €59,066 | €70,823 | ▲ 19.9% |
| Taxes, remuneration and social security45 | - | €79,022 | €125,203 | ▲ 58.4% |
| Taxes450/3 | - | €13,242 | €64,106 | ▲ 384% |
| Remuneration and social security454/9 | - | €65,780 | €61,097 | ▼ 7.1% |
| Other amounts payable47/48 | €2.0m | €1.5m | €764,856 | ▼ 48.5% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €226,781 | €719,558 | -€21,986 | ▼ 103% |
| + Depreciation and write-downs630 | €137,234 | €284,200 | €316,192 | ▲ 11.3% |
| Operating cash flow (approximation) | €364,015 | €1.0m | €294,206 | ▼ 70.7% |
| Investment in fixed assets (approximation) | - | €107,532 | -€92,761 | ▼ 186% |
| Change in cash | - | €314,004 | -€263,916 | ▼ 184% |
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
2026
31-08
State Gazette act
Appointment: Deloitte Bedrijfsrevisoren/Réviseurs d'Entreprises BV/SRL (statutory auditor)Permanent representative: Charline Borsus3 facts ▸
State Gazette act
Appointment: Deloitte Bedrijfsrevisoren/Réviseurs d'Entreprises BV/SRL (statutory auditor)
Permanent representative: Charline Borsus3 facts ▸
- General meeting, 13-05-2026
- Auditor appointment, Deloitte Bedrijfsrevisoren/Réviseurs d'Entreprises BV/SRL (statutory auditor)
- Permanent representative, Charline Borsus (représentant chargé de l'exercice du mandat)
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Weakest financial yearnet -€21,986
Net result drops to -€21,986, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.11
Current ratio from 2.54 to 5.11; short-term debt falls from €1.6m to €1.2m.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Highest result since 2022net €719,558 ▲217%
Net result €719,558, the highest in the series.
31-12
Financial
Liquidity times 10current ratio 2.54
Current ratio from 0.25 to 2.54; short-term debt falls from €2.1m to €1.6m.
31-12
Financial
Equity above €2mEq €2.1m ▲53.3%
2 profitable years in a row build equity to €2.1m.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
Statutory auditor 1
Deloitte Bedrijfsrevisoren/Réviseurs d’Entreprises
CurrentStatutory auditor · since 31-08-2026 · perm. rep.: Charline Borsus
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Registered office, Chaudfontaine · 13 establishment units since 2022
Ground area
3.0 ha
Building footprint
2,603 m²
Volume, LiDAR
17,505 m³
13 parcels, Brussels, Wallonia · tallest building 26.1 m, ±8 floors. Linked by address, not a title deed.
17
companies at this address
See who is registered here
13 establishment units
Sentier du Lièvre 95, 4053 Chaudfontaine
since 20222.343.672.131
R.G.F. HOLDING
since 20242.362.696.405
R.G.F. HOLDING
since 20242.362.701.452
R.G.F. HOLDING
since 20242.362.701.650
R.G.F. HOLDING
since 20242.362.702.046
R.G.F. HOLDING
since 20242.362.702.838
Show 7 more locations
R.G.F. HOLDING
since 20242.362.703.135
R.G.F. HOLDING
since 20242.362.703.234
R.G.F. HOLDING
since 20242.362.703.630
R.G.F. HOLDING
since 20242.362.703.729
R.G.F. HOLDING
since 20242.362.704.026
R.G.F. HOLDING
since 20242.362.704.422
R.G.F. HOLDING
since 20242.362.705.016
13 parcels
Wallonia
11
(84.6%)
Brussels
2
(15.4%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62030C0341/00D000 | Wallonia | 1.8 ha | 1 · 363 m² | 13.1 m · 3 fl. |
| 25076G0077/00A000 | Wallonia | 2,337 m² | 1 · 668 m² | - |
| 62030A0272/00G000 | Wallonia | 2,032 m² | 1 · 166 m² | 9.2 m · 2 fl. |
| 62030C0057/00T002 | Wallonia | 1,722 m² | 1 · 201 m² | 8.9 m · 2 fl. |
| 62012A0262/00L000 | Wallonia | 1,111 m² | 1 · 173 m² | 9.6 m · 2 fl. |
| 83034B0257/00B005 | Wallonia | 987 m² | - | - |
| 52028B0135/00B006 | Wallonia | 921 m² | 1 · 179 m² | 5.6 m · 1 fl. |
| 62012D0236/00L006 | Wallonia | 830 m² | 1 · 113 m² | 8.6 m · 2 fl. |
| 92302G0199/00Y006 | Wallonia | 732 m² | 1 · 200 m² | 19.2 m · 6 fl. |
| 63036A0122/00A004 | Wallonia | 705 m² | 1 · 66 m² | 12.3 m · 4 fl. |
| 21807G0180/00N004 | Brussels | 306 m² | 1 · 176 m² | 26.1 m · 8 fl. |
| 21464E0036/00S018 | Brussels | 228 m² | 1 · 227 m² | 20.1 m · 4 fl. |
| 91030D0013/00W002 | Wallonia | 193 m² | 1 · 70 m² | - |
Linked by address, not proof of ownership
Good to know
13 of 13 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Statutory auditor
| Name | Functions and periods |
|---|---|
| Deloitte Bedrijfsrevisoren/Réviseurs d’Entreprises |
|
Structure & network
Heads the group
R.G.F. HOLDING
11 companies
Group, risk and exposure
Owners and holdings
1 owner · 5 holdings · 11 subsidiaries in the treeOwners 1
-
19.73%
Holdings 5
-
100%
-
100%
-
100%
-
100%
-
100%
All subsidiaries, including indirect ones 11
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
R.G.F. INSURANCES 100%3 subsidiaries
- HALLET 100%
- SD ASSURFINANCE 100%
- SOCIETE LOUHAUT 100%
- R.G.F. LIFE 100%
- R.G.F. LOANS 100%
R.G.F.ADVICES 100%3 subsidiaries
- RGF Financial Services 100%
According to the 2024 annual accounts of R.G.F. HOLDING and those 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 10,870 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
Founded19-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0792639458
Also
9925:BE0792639458
Registered
17-11-2025
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.