Summary
RUNEO 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 €314,415 and a net result of €40,227. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 8211 sector peers (fiscal year 2025). The company has been active since 2007 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 01-08-2026, 1 day 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
1 d late
2024
on the day
2023
on the day
2022
31 d late
2021
11 d early
2020
24 d early
2019
29 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 4 days after 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 (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. Usually files around 1 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#8 oldest company in Sint-Pieters-Leeuw, Finance and insurance sector#10 company by total assets in Sint-Pieters-Leeuw, Finance and insurance sector
Equity
€314,415▼ 24.5%
2024 · €416,469
Net result
€40,227▲ 33.3%
2024 · €30,189
Total assets
€998,052▲ 4.3%
2024 · €956,916
Solvency
31.5%▼ 12.0pp
2024 · 43.5%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. 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 fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€141,644▲ 231%€86,578▼ 38.9%€42,232▼ 51.2%€46,000▲ 8.9%€73,412▲ 59.6%
Net result€96,085within the sector's middle half▲ 372%€49,782within the sector's middle half▼ 48.2%-€6,555below the sector's middle half€30,189within the sector's middle half€40,227within the sector's middle half▲ 33.3%
Equity€351,638within the sector's middle half▲ 26.2%€401,419above the sector's middle half▲ 14.2%€386,280within the sector's middle half▼ 3.8%€416,469above the sector's middle half▲ 7.8%€314,415within the sector's middle half▼ 24.5%
Total assets€896,747within the sector's middle half▲ 13.3%€955,914above the sector's middle half▲ 6.6%€947,717above the sector's middle half▼ 0.9%€956,916above the sector's middle half▲ 1.0%€998,052above the sector's middle half▲ 4.3%
Debt€545,109▲ 6.2%€554,494▲ 1.7%€561,437▲ 1.3%€540,447▼ 3.7%€683,638▲ 26.5%
Working capital-€523within the sector's middle half▲ 99.5%€75,696within the sector's middle half€91,788within the sector's middle half▲ 21.3%€131,850within the sector's middle half▲ 43.6%€53,930within the sector's middle half▼ 59.1%
Solvency39.2%within the sector's middle half▲ 4.0pp42.0%within the sector's middle half▲ 2.8pp40.8%within the sector's middle half▼ 1.2pp43.5%within the sector's middle half▲ 2.8pp31.5%within the sector's middle half▼ 12.0pp
Current ratio1.00within the sector's middle half▲ 0.251.17within the sector's middle half▲ 0.171.20within the sector's middle half▲ 0.031.29within the sector's middle half▲ 0.091.09within the sector's middle half▼ 0.20
Return on assets (ROA)10.7%within the sector's middle half▲ 8.1pp5.2%within the sector's middle half▼ 5.5pp-0.7%below the sector's middle half▼ 5.9pp3.2%within the sector's middle half▲ 3.8pp4.0%within the sector's middle half▲ 0.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 60% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €998,052
Fixed assets
€336,829 ▼ 9.1%
Current assets
€661,224 ▲ 12.8%
Equity and liabilities €998,052
Equity
€314,415 ▼ 24.5%
Debt
€683,638 ▲ 26.5%
Debt's share of the balance-sheet total rises from 56.5% to 68.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
12.8%▲
2024 · 7.2%
Debt ≤ 1 year
€607,294▲
2024 · €454,530
Debt > 1 year
€58,751▼
2024 · €68,151
Income taxes
€12,819▲
2024 · -€5,121
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,314 | €34,941 | €34,723 | €34,961 | €36,731 | ▲ 5.1% |
| Other operating charges640/8 | €2,522 | €2,218 | €2,423 | €2,493 | €2,519 | ▲ 1.1% |
| Gross operating margin9900 | €179,480 | €123,737 | €79,377 | €83,454 | €112,661 | ▲ 35.0% |
| Operating profit (loss)9901 | €141,644 | €86,578 | €42,232 | €46,000 | €73,412 | ▲ 59.6% |
| Financial charges65/66B | €19,858 | €20,343 | €20,971 | €20,932 | €20,366 | ▼ 2.7% |
| Recurring financial charges65 | €19,858 | €20,343 | €20,971 | €20,932 | €20,366 | ▼ 2.7% |
| Profit (loss) for the period before taxes9903 | €121,785 | €66,235 | €21,260 | €25,068 | €53,046 | ▲ 112% |
| Income taxes67/77 | €25,700 | €16,453 | €27,815 | -€5,121 | €12,819 | ▲ 350% |
| Profit (loss) for the period9904 | €96,085 | €49,782 | -€6,555 | €30,189 | €40,227 | ▲ 33.3% |
| Profit (loss) for the period to be appropriated9905 | €96,085 | €49,782 | -€6,555 | €30,189 | €40,227 | ▲ 33.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €896,747 | €955,914 | €947,717 | €956,916 | €998,052 | ▲ 4.3% |
| Fixed assets21/28 | €464,276 | €429,335 | €394,612 | €370,535 | €336,829 | ▼ 9.1% |
| Intangible fixed assets21 | - | - | - | €8,133 | €6,506 | ▼ 20.0% |
| Tangible fixed assets22/27 | €464,276 | €429,335 | €394,612 | €362,403 | €330,323 | ▼ 8.9% |
| Land and buildings22 | €301,820 | €287,978 | €274,142 | €260,305 | €246,468 | ▼ 5.3% |
| Furniture and vehicles24 | €758 | €658 | €558 | €2,780 | €5,029 | ▲ 80.9% |
| Other tangible fixed assets26 | €161,697 | €140,699 | €119,913 | €99,318 | €78,825 | ▼ 20.6% |
| Current assets29/58 | €432,471 | €526,578 | €553,104 | €586,381 | €661,224 | ▲ 12.8% |
| Amounts receivable within one year40/41 | €45,000 | - | - | - | €60,500 | - |
| Trade receivables40 | €45,000 | - | - | - | €60,500 | - |
| Cash at bank and in hand54/58 | €385,802 | €524,729 | €551,050 | €584,190 | €600,724 | ▲ 2.8% |
| Deferred charges and accrued income490/1 | €1,669 | €1,849 | €2,054 | €2,190 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €896,747 | €955,914 | €947,717 | €956,916 | €998,052 | ▲ 4.3% |
| Equity10/15 | €351,638 | €401,419 | €386,280 | €416,469 | €314,415 | ▼ 24.5% |
| Contributions10/11 | €270,000 | €270,000 | €270,000 | €270,000 | €270,000 | = |
| Reserves13 | €128,866 | €177,866 | €169,281 | €199,281 | €97,000 | ▼ 51.3% |
| Non-distributable reserves130/1 | €27,000 | €27,000 | €27,000 | €27,000 | €27,000 | = |
| Reserves not available under the articles1311 | €27,000 | €27,000 | €27,000 | €27,000 | €27,000 | = |
| Distributable reserves133 | €101,866 | €150,866 | €142,281 | €172,281 | €70,000 | ▼ 59.4% |
| Profit (loss) carried forward14 | -€47,229 | -€46,447 | -€53,002 | -€52,812 | -€52,585 | ▲ 0.4% |
| Amounts payable17/49 | €545,109 | €554,494 | €561,437 | €540,447 | €683,638 | ▲ 26.5% |
| Amounts payable after more than one year17 | €96,350 | €86,950 | €77,550 | €68,151 | €58,751 | ▼ 13.8% |
| Financial debts170/4 | €96,350 | €86,950 | €77,550 | €68,151 | €58,751 | ▼ 13.8% |
| Amounts payable within one year42/48 | €432,994 | €450,882 | €461,317 | €454,530 | €607,294 | ▲ 33.6% |
| Current portion of amounts payable after more than one year42 | €9,400 | €9,400 | €9,400 | €9,400 | €9,400 | = |
| Trade debts44 | - | - | €584 | €10,908 | €7,808 | ▼ 28.4% |
| Suppliers440/4 | - | - | €584 | €10,908 | €7,808 | ▼ 28.4% |
| Taxes, remuneration and social security45 | €8,728 | €15,581 | €5,183 | €5,153 | €18,538 | ▲ 260% |
| Taxes450/3 | €8,728 | €15,581 | €5,183 | €5,153 | €18,538 | ▲ 260% |
| Other amounts payable47/48 | €414,866 | €425,902 | €446,150 | €429,069 | €571,547 | ▲ 33.2% |
| Accrued charges and deferred income492/3 | €15,765 | €16,662 | €22,570 | €17,766 | €17,593 | ▼ 1.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €96,085 | €49,782 | -€6,555 | €30,189 | €40,227 | ▲ 33.3% |
| + Depreciation and write-downs630 | €35,314 | €34,941 | €34,723 | €34,961 | €36,731 | ▲ 5.1% |
| Operating cash flow (approximation) | €131,399 | €84,722 | €28,168 | €65,150 | €76,958 | ▲ 18.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€10,884 | -€3,024 | ▲ 72.2% |
| Change in cash | - | €138,926 | €26,321 | €33,140 | €16,534 | ▼ 50.1% |
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
01-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €30,189
Net result €30,189 after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €96,085 ▲372%
Operating result €141,644, net result €96,085, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €20,356
Net result €20,356 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
2019
31-12
Financial
Weakest financial yearnet -€18,576
Net result drops to -€18,576, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 54 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Sint-Pieters-Leeuw · 1 establishment unit since 2006
Ground area
2,165 m²
Building footprint
434 m²
Volume, LiDAR
1,292 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Runeo
since 20062.170.473.681
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23583K0144/00L000 | Flanders | 2,044 m² | 1 · 220 m² | - |
| 23583K0140/00H000 | Flanders | 121 m² | 1 · 214 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2024 · 1 entry · 900 EUR awarded · 900 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 900 EUR | 900 EUR |
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 13,789 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded10-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0886287020
Also
9925:BE0886287020
Registered
02-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.