Summary
RKnP 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 €25,932 and a net result of €8,583. Equity is shrinking by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 2451 sector peers (fiscal year 2025). The company has been active since 1996 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 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
14 d early
2023
29 d late
2022
22 d late
2021
31 d late
2020
31 d late
2019
102 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 33 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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Financials · fiscal year 2025, micro schema
In the rankings
#7 oldest company in Diepenbeek, Finance and insurance sector
Equity
€25,932▲ 49.5%
2024 · €17,348
Net result
€8,583
2024 · -€7,929
Total assets
€73,405▼ 4.3%
2024 · €76,690
Solvency
35.3%▲ 12.7pp
2024 · 22.6%
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€11,150▲ 21.3%-€1,686-€50,681▼ 2,907%-€7,388▲ 85.4%€9,800
Net result€6,589▲ 6.5%-€3,054-€51,444▼ 1,584%-€7,929▲ 84.6%€8,583
Equity€79,776▲ 9.0%€76,722▼ 3.8%€25,278▼ 67.1%€17,348▼ 31.4%€25,932▲ 49.5%
Total assets€182,480▲ 5.4%€134,415▼ 26.3%€82,290▼ 38.8%€76,690▼ 6.8%€73,405▼ 4.3%
Debt€102,703▲ 2.8%€57,693▼ 43.8%€57,013▼ 1.2%€59,341▲ 4.1%€47,473▼ 20.0%
Working capital€106,615▲ 14.2%€32,586▼ 69.4%-€1,896€1,617€2,257▲ 39.6%
Solvency43.7%▲ 1.4pp57.1%▲ 13.4pp30.7%▼ 26.4pp22.6%▼ 8.1pp35.3%▲ 12.7pp
Staff (FTE)0.8▲ 14.3%0.5▼ 37.5%1▲ 100%1=1=
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9,800 after a loss of €7,388 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73,405
Fixed assets
€32,734 ▼ 23.9%
Current assets
€40,671 ▲ 20.8%
Equity and liabilities €73,405
Equity
€25,932 ▲ 49.5%
Debt
€47,473 ▼ 20.0%
Debt's share of the balance-sheet total falls from 77.4% to 64.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
33.1%▲
2024 · -45.7%
ROA
11.7%▲
2024 · -10.3%
Debt ≤ 1 year
€38,414▲
2024 · €32,048
Debt > 1 year
€9,059▼
2024 · €18,596
Income taxes
€914▲
2024 · €210
Staff costs
€37,839▲
2024 · €36,795
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €3,000 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €27,689 | €11,425 | €37,221 | €36,795 | €37,839 | ▲ 2.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,633 | €10,476 | €12,291 | €12,501 | €11,804 | ▼ 5.6% |
| Other operating charges640/8 | €652 | €719 | €689 | €592 | €541 | ▼ 8.6% |
| Gross operating margin9900 | €47,124 | €20,935 | -€480 | €42,500 | €59,984 | ▲ 41.1% |
| Operating profit (loss)9901 | €11,150 | -€1,686 | -€50,681 | -€7,388 | €9,800 | ▲ 233% |
| Financial income75/76B | €5 | €1 | €0 | €1 | €5 | ▲ 635% |
| Recurring financial income75 | €5 | €1 | €0 | €1 | €5 | ▲ 635% |
| Financial charges65/66B | €994 | €615 | €578 | €332 | €308 | ▼ 7.3% |
| Recurring financial charges65 | €994 | €615 | €578 | €332 | €308 | ▼ 7.3% |
| Profit (loss) for the period before taxes9903 | €10,160 | -€2,300 | -€51,259 | -€7,720 | €9,497 | ▲ 223% |
| Income taxes67/77 | €3,571 | €754 | €186 | €210 | €914 | ▲ 336% |
| Profit (loss) for the period9904 | €6,589 | -€3,054 | -€51,444 | -€7,929 | €8,583 | ▲ 208% |
| Profit (loss) for the period to be appropriated9905 | €6,589 | -€3,054 | -€51,444 | -€7,929 | €8,583 | ▲ 208% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €182,480 | €134,415 | €82,290 | €76,690 | €73,405 | ▼ 4.3% |
| Fixed assets21/28 | €55,503 | €62,859 | €55,526 | €43,025 | €32,734 | ▼ 23.9% |
| Intangible fixed assets21 | €52,500 | €45,000 | €37,500 | €30,000 | €22,500 | ▼ 25.0% |
| Tangible fixed assets22/27 | €3,003 | €17,859 | €18,026 | €13,025 | €10,234 | ▼ 21.4% |
| Plant, machinery and equipment23 | €767 | €2,759 | €1,706 | €653 | €328 | ▼ 49.7% |
| Furniture and vehicles24 | - | €13,315 | €10,315 | €7,315 | €4,315 | ▼ 41.0% |
| Other tangible fixed assets26 | €2,236 | €1,784 | €6,005 | €5,058 | €5,590 | ▲ 10.5% |
| Current assets29/58 | €126,977 | €71,556 | €26,764 | €33,665 | €40,671 | ▲ 20.8% |
| Amounts receivable within one year40/41 | €17,912 | €8,861 | €4,814 | €4,814 | - | - |
| Other amounts receivable41 | €17,912 | €8,861 | €4,814 | €4,814 | - | - |
| Cash at bank and in hand54/58 | €87,491 | €46,618 | €703 | €8,143 | €17,603 | ▲ 116% |
| Deferred charges and accrued income490/1 | €21,574 | €16,077 | €21,246 | €20,707 | €23,068 | ▲ 11.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €182,480 | €134,415 | €82,290 | €76,690 | €73,405 | ▼ 4.3% |
| Equity10/15 | €79,776 | €76,722 | €25,278 | €17,348 | €25,932 | ▲ 49.5% |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €73,579 | €70,525 | €19,081 | €12,774 | €19,734 | ▲ 54.5% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | - | - | - | - |
| Distributable reserves133 | €71,720 | €68,666 | €19,081 | €12,774 | €19,734 | ▲ 54.5% |
| Profit (loss) carried forward14 | - | - | - | -€1,622 | - | - |
| Amounts payable17/49 | €102,703 | €57,693 | €57,013 | €59,341 | €47,473 | ▼ 20.0% |
| Amounts payable after more than one year17 | €46,826 | €18,722 | €28,069 | €18,596 | €9,059 | ▼ 51.3% |
| Financial debts170/4 | €46,826 | €18,722 | €28,069 | €18,596 | €9,059 | ▼ 51.3% |
| Amounts payable within one year42/48 | €20,362 | €38,971 | €28,660 | €32,048 | €38,414 | ▲ 19.9% |
| Current portion of amounts payable after more than one year42 | €9,499 | €28,104 | €15,632 | €9,473 | €9,584 | ▲ 1.2% |
| Trade debts44 | €4,209 | €2,838 | €3,254 | €3,633 | €4,331 | ▲ 19.2% |
| Suppliers440/4 | €4,209 | €2,838 | €3,254 | €3,633 | €4,331 | ▲ 19.2% |
| Taxes, remuneration and social security45 | €6,653 | €8,029 | €6,407 | €10,635 | €6,308 | ▼ 40.7% |
| Taxes450/3 | €3,172 | €3,926 | - | €210 | €914 | ▲ 336% |
| Remuneration and social security454/9 | €3,482 | €4,103 | €6,407 | €10,426 | €5,394 | ▼ 48.3% |
| Other amounts payable47/48 | - | - | €3,366 | €8,307 | €18,191 | ▲ 119% |
| Accrued charges and deferred income492/3 | €35,515 | - | €284 | €8,698 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,589 | -€3,054 | -€51,444 | -€7,929 | €8,583 | ▲ 208% |
| + Depreciation and write-downs630 | €7,633 | €10,476 | €12,291 | €12,501 | €11,804 | ▼ 5.6% |
| Operating cash flow (approximation) | €14,222 | €7,422 | -€39,154 | €4,572 | €20,387 | ▲ 346% |
| Investment in fixed assets (approximation) | - | -€17,832 | -€4,958 | €0 | -€1,512 | - |
| Change in cash | - | -€40,873 | -€45,915 | €7,440 | €9,460 | ▲ 27.2% |
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
Back to profitnet €8,583
Net result €8,583 after 3 loss-making years.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet -€51,444
Net result drops to -€51,444, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €6,185
Net result €6,185 after one loss-making year.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 102 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 91 days late
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 86 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Diepenbeek · 1 establishment unit since 2000
Ground area
1,031 m²
Building footprint
411 m²
Volume, LiDAR
3,569 m³
Parcel 71011I1342/00A000, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Nieuwstraat 98, 3590 Diepenbeek
since 20002.097.357.952
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011I1342/00A000 | Flanders | 1,031 m² | 1 · 411 m² | 13.7 m · 3 fl. |
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 4,673 companies in sector 66220 we hold annual accounts for 3,220. 1,750 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
Founded21-03-1996
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0457589778
Registered
20-11-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.