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 has been growing by about 23% per year since 2018. Its solvency ranks better than 95% of 3,060 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.
Overview
Overview
Official details
Source: KBO- Status
- Active since 28-02-2005 Normal situation
- Activity
- Insurance agents and brokers NACE 66220and 2 others
- Establishment unit
- 2.320.884.356 9630 Zwalm, since 28-02-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 25-11-2025
Financial position
- Profit
- €34,371
- ▼ 35.5%
- Equity
- €278,634
- ▲ 13.3%
- Total assets
- €289,293
- ▼ 2.4%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 20 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 25-07-2026 at the NBB all 21 filings
Every figure per financial year
The operating result for 2025 is 39% lower than in 2024. It is the second fall in a row.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | - | €615 | €44,900 |
| Depreciation and write-downs of the year | - | - | - | €71 | €7,781 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| 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× |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 21 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 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 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 08-02-2023 Converted to unavailable equity · €20,460
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| WUYCKENS, Erik Frans Roger |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Algemene vergadering die bestuurder(s) benoemt, 1”
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Op naam, register van aandelen op naam met WVV-vermeldingen”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Procedure- en expertisekosten voor helft ten laste overdrager en helft ten laste koper(s), bestuursorgaan”
Articles of association, deed of 08-02-2023 (in Dutch)
Network & group
Connections & network
See the function holders in the KBO register.
Timeline
Acts, filings and financial milestones
08-02
Gazette deed
Registered office moved from Lochristi to Zwalm LatemdreefNew seat: 9630 Zwalm Latemdreef 49 · Previous seat: 9080 Lochristi, Denen 24 · Change of role: WUYCKENS, Erik Frans Roger, from statutory manager to director11 points ▸
- General meeting, 24-01-2023
- Director resignation, WUYCKENS, Erik Frans Roger (statutory manager)
- Director appointment, WUYCKENS, Erik Frans Roger (director (not named in the articles))
- Director discharge, WUYCKENS, Erik Frans Roger
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Capital
- Other provision, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Registered-office move, 9630 Zwalm Latemdreef 49
- Power of attorney, Anne-Marie Keusters
- Other provision, “eenparigheid van stemmen” (deed in Dutch)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- 9080 Lochristi until the act of 08-02-2023
Activities
NACEBEL 2025Codes under NACEBEL 2008
9 activities
- De vennootschap heeft tot voorwerp,voor eigen rekening en voor rekening van derden,in België en in het buitenland,alle mogelijke makelaarsverrichtingen uit te voeren,met name op het vlak van verzekeringen,persoonlijke en hypothecaire leningen,leasings,enzovoort.
- Zij zal eveneens kunnen optreden als tussenpersoon op het vlak van beleggingen en het aantrekken van spaargelden.
- Tegelijkertijd zal zij,in strikte naleving van Belgische en internationale wetgevingen en reglementeringen,alle vormen van consultancy kunnen leveren op het vlak van diensten.
- Zij kan optreden als tussenpersoon in de handel.
- De vennootschap zal kunnen zaakwaarnemen en optreden als bestuurder in vennootschappen.
- Zij zal binnen de wettelijke beperkingen alle vormen van beheer van een onroerend en roerend vermogen kunnen uitvoeren,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit doel in verband staan en die van aard zijn de opbrengst van dit vermogen te bevorderen.
- In het algemeen zal zij in België en in het buitenland alle commerciële,industriële,financiële,roerende en onroerende verrichtingen kunnen doen die rechtstreeks of onrechtstreeks verband houden met het onderwerp,de studie,de coördinatie,de expertise,de onteigening,de verbouwing,de decoratie,de inrichting,de uitbating,de verhuring,het beheer,de zaakvoering en de verkaveling van alle onroerende goederen,alsook de promotie,in België en in het buitenland en in elke mogelijke vorm inzake immobiliën.
- Zij mag eveneens belangen nemen in alle ondernemingen,verenigingen of vennootschappen die een gelijkaardig,analoog of aanverwant doel nastreven.
- De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen onder meer door haar eigen goederen in hypotheek of pand te geven,inclusief eigen handelszaak.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 45049A0317/00D002 | Flanders | 1,103 m² | 1 · 175 m² | 8.0 m · 2 |