Equity
€8,865 ▼ 29.4%
RT Conseils Assufinances paid out €7,000 in dividends. That is 212% of the 2025 profit.
RT Conseils Assufinances
Lifetime
4 annual accounts with figures on one time axispeak €21,631 (2023)
€20,705▲ 50.9%
lowest -€1,906 (2024)
€3,305▲ €5,211
peak €14,467 (2023)
€8,865▼ 29.4%
€34,270▲ 9.5%
Board1 name since 2022
1 directorTERRAZZINO, Roberto
Documentsfilings and deeds
17-07-202614 days before the deadline
2025micro format
Gross margin from €13,726 to €20,705Back to profit: €3,305Dividend €7,000Equity from €12,561 to €8,865Cash from €3,539 to €6,316
Key points
from the 2025 annual accountsTurnover
≈ €160,000 estimated
The micro format states no turnover.
Debts
€34,270 79% of the balance sheet
Financial debts 48%Suppliers 6%Taxes and wages 12%Other 35%
Of this, €17,833 falls due within a year.
Liquidity
1.38 was 2.55 in 2024
Short-term debts rose from €8,975 to €17,833.
Filings
4 annual accounts since 2022
The last four annual accounts were filed 4 to 25 days before the end of the period.
Starting capital
€5,000 100 shares
Checked score
52
Fair
Financially stronger than 29% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.0%
01-2025: 2.0%● unchanged vs 12-2024lowest value
02-2025: 2.0%● unchanged vs 01-2025lowest value
03-2025: 2.0%● unchanged vs 02-2025
04-2025: 2.1%▲ +0.1 percentage points vs 03-2025
05-2025: 2.2%▲ +0.1 percentage points vs 04-2025
06-2025: 2.2%● unchanged vs 05-2025
07-2025: 2.3%▲ +0.1 percentage points vs 06-2025
08-2025: 2.6%▲ +0.3 percentage points vs 07-2025
09-2025: 2.6%● unchanged vs 08-2025
10-2025: 2.6%● unchanged vs 09-2025
11-2025: 2.6%● unchanged vs 10-2025
12-2025: 2.6%● unchanged vs 11-2025
01-2026: 2.5%▼ -0.1 percentage points vs 12-2025
02-2026: 2.5%● unchanged vs 01-2026
03-2026: 2.7%▲ +0.2 percentage points vs 02-2026
04-2026: 2.8%▲ +0.1 percentage points vs 03-2026
05-2026: 2.9%▲ +0.1 percentage points vs 04-2026
06-2026: 2.9%● unchanged vs 05-2026
07-2026: 3.0%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 2.3%▼ -0.7 percentage points vs 07-2026
09-2026: 2.3%● unchanged vs 08-2026
10-2026: 2.3%● unchanged vs 09-2026
11-2026: 2.3%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2022
No main activity registered
lowers risk
Figures for financial year 2025 (filed on 17-07-2026)
Liquidity: current ratio 1.38, cash €6,316
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 28% of them on solvency, 31% on liquidity, 42% on profitability and 14% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,976 companies had the same profile as RT Conseils Assufinances has now. Each dot stands for 20 companies, two years later.
94.4%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of RT Conseils Assufinances itself: 2.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for RT Conseils Assufinances. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
14 days early
2024
8 days early
2023
25 days early
2022
4 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 4 accounts on average 13 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 July (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0779615526
Incorporation
Founding capital of €5,000, 100 shares · Appointment: TERRAZZINO, Roberto (director) · Registered office clause: rue des Géraniums 4, 7100 La Louvière ex Saint-Vaast · published on 06-01-2022 · Gazette deed
First establishment
Rue Achille Delattre (S-V) 12, La Louvière
Official details
Source: KBO- Status
- Active since 03-01-2022Normal situation
- Activity
- “La gestion de portefeuilles d’assurances auprès de diverses compagnies et en général,toutes les opérations…” (deed in French)From the articles, 9 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.325.922.2207100 La Louvière, since 03-01-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Annual accounts 2025
- €43,135▼ 1.7%
- Filing
- Filed on 17-07-2026, 14 days before the end of the filing period
Insights on RT Conseils Assufinances
RT Conseils Assufinances files the micro format. That format states no turnover. The gross margin rose from €14,660 in 2022 to €20,705 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RT Conseils Assufinances
- What is the company number of RT Conseils Assufinances?
- The company number of RT Conseils Assufinances is 0779.615.526. The VAT number is the same number with BE in front: BE 0779.615.526.
- Where is RT Conseils Assufinances based?
- The registered office is at Rue des Géraniums (S-V) 4, 7100 La Louvière.Company details
- What is the legal form of RT Conseils Assufinances?
- RT Conseils Assufinances is a private limited company (BV).
- When was RT Conseils Assufinances founded?
- RT Conseils Assufinances was founded on 03-01-2022.
- Is RT Conseils Assufinances still active?
- Yes, RT Conseils Assufinances is an active enterprise in the KBO register.
- What is the turnover of RT Conseils Assufinances?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €20,705 and 6,304 comparable companies of the same size. It probably lies between €72,000 and €380,000. It is a rough estimate.Financials
- Is RT Conseils Assufinances profitable?
- In financial year 2025, RT Conseils Assufinances made a profit of €3,305.
- Where can I find the annual accounts of RT Conseils Assufinances?
- RT Conseils Assufinances filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RT Conseils Assufinances due?
- RT Conseils Assufinances must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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