Summary
RIUS 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 €278,634 and a net result of €34,371. Equity is growing by about 23% per year across the filed financial years. Its solvency ranks better than 95% of 3,034 sector peers (NACE 66, financial year 2025). The company has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
In the rankings
#3 oldest company in Zwalm, Finance and insurance sector
Equity
€278,634▲ 13.3%
2024 · €245,929
Net result
€34,371▼ 35.5%
2024 · €53,317
Total assets
€289,293▼ 2.4%
2024 · €296,483
Solvency
96.3%▲ 13.4pp
2024 · 82.9%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has fallen two years in a row; 2025 is 39% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€45,130
2025
Net result€34,371
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€289,293
2025
Equity€278,634
2025
Debt€10,659
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€239,399
2025
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)11.9%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency96.3%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio23.46
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: 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
Line20182019202020212022202320242025
Operating result-€5,749--€4,242▲ 26.2%€611€1,492▲ 144%€79,685▲ 53×€82,892▲ 4.0%€74,019▼ 10.7%€45,130▼ 39.0%
Net result-€6,507--€3,556▲ 45.4%€298below the sector's middle half€1,569below the sector's middle half▲ 426%€53,852within the sector's middle half▲ 34×€56,659within the sector's middle half▲ 5.2%€53,317within the sector's middle half▼ 5.9%€34,371within the sector's middle half▼ 35.5%
Equity€109,156-€105,601▼ 3.3%€105,899within the sector's middle half▲ 0.3%€107,468within the sector's middle half▲ 1.5%€139,220within the sector's middle half▲ 29.5%€194,279within the sector's middle half▲ 39.5%€245,929within the sector's middle half▲ 26.6%€278,634within the sector's middle half▲ 13.3%
Total assets€150,008-€146,331▼ 2.5%€147,362below the sector's middle half▲ 0.7%€152,546below the sector's middle half▲ 3.5%€200,090within the sector's middle half▲ 31.2%€233,045within the sector's middle half▲ 16.5%€296,483within the sector's middle half▲ 27.2%€289,293within the sector's middle half▼ 2.4%
Debt€40,852-€40,730▼ 0.3%€41,463▲ 1.8%€45,078▲ 8.7%€60,870▲ 35.0%€38,767▼ 36.3%€50,554▲ 30.4%€10,659▼ 78.9%
Working capital€107,288-€107,270=€107,568within the sector's middle half▲ 0.3%€109,136within the sector's middle half▲ 1.5%€137,649within the sector's middle half▲ 26.1%€192,707above the sector's middle half▲ 40.0%€243,813above the sector's middle half▲ 26.5%€239,399above the sector's middle half▼ 1.8%
Solvency72.8%-72.2%▼ 0.6pp71.9%above the sector's middle half▼ 0.3pp70.4%above the sector's middle half▼ 1.4pp69.6%within the sector's middle half▼ 0.9pp83.4%above the sector's middle half▲ 13.8pp82.9%above the sector's middle half▼ 0.4pp96.3%above the sector's middle half▲ 13.4pp
Current ratio3.94-3.86▼ 0.073.81above the sector's middle half▼ 0.053.61above the sector's middle half▼ 0.213.26within the sector's middle half▼ 0.355.97above the sector's middle half▲ 2.715.82above the sector's middle half▼ 0.1523.46above the sector's middle half▲ 17.64
Return on assets (ROA)-4.3%--2.4%▲ 1.9pp0.2%below the sector's middle half▲ 2.6pp1.0%below the sector's middle half▲ 0.8pp26.9%above the sector's middle half▲ 25.9pp24.3%above the sector's middle half▼ 2.6pp18.0%within the sector's middle half▼ 6.3pp11.9%within the sector's middle half▼ 6.1pp
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: 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 abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €289,293
Fixed assets
€39,235 ▲ 19×
Current assets
€250,058 ▼ 15.1%
Equity and liabilities €289,293
Equity
€278,634 ▲ 13.3%
Debt
€10,659 ▼ 78.9%
Debt's share of the balance-sheet total falls from 17.1% to 3.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.3%▼
2024 · 21.7%
Debt ≤ 1 year
€10,659▼
2024 · €50,554
Income taxes
€17,821▼
2024 · €26,297
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | - | €2,800 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,180 | €6,180 | - | - | - | - | €71 | €7,781 | ▲ 110× |
| Other operating charges640/8 | - | - | - | €907 | €915 | €1,271 | €940 | €1,332 | ▲ 41.7% |
| Gross operating margin9900 | €1,405 | €2,897 | €1,557 | €2,400 | €80,600 | €84,162 | €75,029 | €54,242 | ▼ 27.7% |
| Operating profit (loss)9901 | -€5,749 | -€4,242 | €611 | €1,492 | €79,685 | €82,892 | €74,019 | €45,130 | ▼ 39.0% |
| Financial income75/76B | - | - | - | €3,142 | €3,633 | €4,884 | €6,431 | €7,428 | ▲ 15.5% |
| Recurring financial income75 | - | €3,121 | €3,132 | €3,142 | €3,633 | €4,884 | €6,431 | €7,428 | ▲ 15.5% |
| Financial charges65/66B | - | - | - | €312 | €290 | €175 | €836 | €367 | ▼ 56.2% |
| Recurring financial charges65 | €471 | €1,297 | €1,118 | €312 | €290 | €175 | €836 | €367 | ▼ 56.2% |
| Profit (loss) for the period before taxes9903 | -€6,220 | -€2,418 | €2,625 | €4,322 | €83,028 | €87,601 | €79,614 | €52,192 | ▼ 34.4% |
| Income taxes67/77 | €287 | €1,138 | €2,327 | €2,753 | €29,175 | €30,942 | €26,297 | €17,821 | ▼ 32.2% |
| Profit (loss) for the period9904 | -€6,507 | -€3,556 | €298 | €1,569 | €53,852 | €56,659 | €53,317 | €34,371 | ▼ 35.5% |
| Profit (loss) for the period to be appropriated9905 | -€6,507 | -€3,556 | €298 | €1,569 | €53,852 | €56,659 | €53,317 | €34,371 | ▼ 35.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €150,008 | €146,331 | €147,362 | €152,546 | €200,090 | €233,045 | €296,483 | €289,293 | ▼ 2.4% |
| Fixed assets21/28 | €6,180 | €1,571 | €1,571 | €1,571 | €1,571 | €1,571 | €2,116 | €39,235 | ▲ 19× |
| Tangible fixed assets22/27 | €6,180 | €1,571 | €1,571 | €1,571 | €1,571 | €1,571 | €2,116 | €39,235 | ▲ 19× |
| Furniture and vehicles24 | - | - | - | €1,571 | €1,571 | €1,571 | €2,116 | €39,235 | ▲ 19× |
| Current assets29/58 | €143,828 | €144,759 | €145,791 | €150,974 | €198,519 | €231,474 | €294,367 | €250,058 | ▼ 15.1% |
| Amounts receivable after more than one year29 | - | - | - | - | €41,000 | €80,000 | €150,000 | €100,000 | ▼ 33.3% |
| Other amounts receivable291 | - | - | - | - | €41,000 | €80,000 | €150,000 | €100,000 | ▼ 33.3% |
| Amounts receivable within one year40/41 | €143,143 | €144,152 | €139,184 | €140,225 | €141,278 | €142,340 | €143,414 | €109,498 | ▼ 23.6% |
| Other amounts receivable41 | - | - | - | €140,225 | €141,278 | €142,340 | €143,414 | €109,498 | ▼ 23.6% |
| Cash at bank and in hand54/58 | €607 | €607 | €607 | €4,749 | €5,923 | €0 | €785 | €40,519 | ▲ 52× |
| Deferred charges and accrued income490/1 | - | - | - | €6,000 | €10,318 | €9,134 | €168 | €41 | ▼ 75.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €150,008 | €146,331 | €147,362 | €152,546 | €200,090 | €233,045 | €296,483 | €289,293 | ▼ 2.4% |
| Equity10/15 | €109,156 | €105,601 | €105,899 | €107,468 | €139,220 | €194,279 | €245,929 | €278,634 | ▲ 13.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | - | - | €18,600 | - | - | - | - | - |
| Issued capital100 | - | - | - | €18,600 | - | - | - | - | - |
| Reserves13 | €22,360 | €22,360 | €22,360 | €22,360 | €55,712 | €112,371 | €165,687 | €200,059 | ▲ 20.7% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €0 | - | - | - |
| Legal reserve130 | - | - | - | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | - | €1,860 | €0 | - | - | - |
| Distributable reserves133 | - | - | - | €20,500 | €53,852 | €112,371 | €165,687 | €200,059 | ▲ 20.7% |
| Profit (loss) carried forward14 | €68,196 | €64,641 | €64,939 | €66,508 | €64,908 | €63,308 | €61,642 | €59,976 | ▼ 2.7% |
| Amounts payable17/49 | €40,852 | €40,730 | €41,463 | €45,078 | €60,870 | €38,767 | €50,554 | €10,659 | ▼ 78.9% |
| Amounts payable after more than one year17 | €1,072 | - | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €36,540 | €37,490 | €38,223 | €41,838 | €60,870 | €38,767 | €50,554 | €10,659 | ▼ 78.9% |
| Financial debts43 | - | - | - | - | - | €790 | €8,550 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | - | - | €790 | €8,550 | €0 | ▼ 100% |
| Trade debts44 | €2,757 | €2,680 | €2,863 | €2,538 | €3,728 | €2,203 | €732 | €1,118 | ▲ 52.7% |
| Suppliers440/4 | - | - | - | €2,538 | €3,728 | €2,203 | €732 | €1,118 | ▲ 52.7% |
| Taxes, remuneration and social security45 | - | - | - | €5,080 | €34,255 | €30,942 | €32,239 | €4,118 | ▼ 87.2% |
| Taxes450/3 | - | - | - | €5,080 | €34,255 | €30,942 | €32,239 | €4,118 | ▼ 87.2% |
| Other amounts payable47/48 | - | - | - | €34,220 | €22,887 | €4,832 | €9,034 | €5,424 | ▼ 40.0% |
| Accrued charges and deferred income492/3 | - | - | - | €3,240 | €0 | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,507 | -€3,556 | €298 | €1,569 | €53,852 | €56,659 | €53,317 | €34,371 | ▼ 35.5% |
| + Depreciation and write-downs630 | €6,180 | €6,180 | - | - | - | - | €71 | €7,781 | ▲ 110× |
| Operating cash flow (approximation) | -€327 | €2,624 | €298 | €1,569 | €53,852 | €56,659 | €53,387 | €42,152 | ▼ 21.0% |
| Investment in fixed assets (approximation) | - | -€1,571 | €0 | €0 | €0 | €0 | -€615 | -€44,900 | ▼ 7,201% |
| Change in cash | - | €0 | €0 | €4,142 | €1,174 | -€5,923 | €785 | €39,733 | ▲ 51× |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 21 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 25-07-2026 | 2026-00332212 |
| 31-12-2024 | micro format | 10-07-2025 | 2025-00256208 |
| 31-12-2023 | micro format | 13-07-2024 | 2024-00242649 |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00422902 |
| 31-12-2021 | abbreviated format | 30-08-2022 | 2022-20385741 |
| 31-12-2020 | abbreviated format | 31-08-2021 | 2021-65300020 |
| 31-12-2019 | abbreviated format | 31-10-2020 | 2020-67000452 |
| 31-12-2018 | abbreviated format | 27-09-2019 | 2019-66700435 |
| 31-12-2017 | abbreviated format | 30-08-2018 | 2018-58200595 |
| 31-12-2016 | abbreviated format | 29-08-2017 | 2017-53200267 |
Similar companies · same sector, comparable size
GROUPE LBLH - JAMAL LALAOUÎ
BE 0478.830.404
Gesves · equity €278,987
JDMC
BE 0543.948.284
Dour · equity €278,263
MERCELIS VERZEKERINGEN
BE 0438.932.324
Ravels · equity €278,090
Arti Franssens
BE 0832.641.466
Hasselt · equity €277,455
ZAKENKANTOOR VAN RENTERGHEM
BE 0476.524.970
Wetteren · equity €276,835
Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,214. 2,737 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.