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 about 6.4% per year across the filed financial years. Its solvency ranks better than 34% of 9,668 sector peers (NACE 64, financial year 2025). The company has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
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
2025 annual accounts filed late (1 day) Filed on 1 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00380912.
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
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 60% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€73,412
2025
Net result€40,227
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€998,052
2025
Equity€314,415
2025
Debt€683,638
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€53,930
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)4.0%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency31.5%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.09
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: 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€29,301-€37,360▲ 27.5%€42,775▲ 14.5%€141,644▲ 231%€86,578▼ 38.9%€42,232▼ 51.2%€46,000▲ 8.9%€73,412▲ 59.6%
Net result€10,651--€18,576€20,356within the sector's middle half€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€281,987-€258,271▼ 8.4%€278,627within the sector's middle half▲ 7.9%€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€805,896-€786,288▼ 2.4%€791,810within the sector's middle half▲ 0.7%€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€523,909-€528,016▲ 0.8%€513,183▼ 2.8%€545,109▲ 6.2%€554,494▲ 1.7%€561,437▲ 1.3%€540,447▼ 3.7%€683,638▲ 26.5%
Working capital-€176,158--€146,535▲ 16.8%-€99,419within the sector's middle half▲ 32.2%-€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%
Solvency35.0%-32.8%▼ 2.1pp35.2%within the sector's middle half▲ 2.3pp39.2%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 ratio0.55-0.63▲ 0.080.75within the sector's middle half▲ 0.111.00within 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)1.3%--2.4%▼ 3.7pp2.6%within the sector's middle half▲ 4.9pp10.7%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 of NACE 64, Financial service activities, except insurance and pension funding: 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 €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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €39,429 | €37,092 | €35,857 | €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 | €70,584 | €76,345 | €80,708 | €179,480 | €123,737 | €79,377 | €83,454 | €112,661 | ▲ 35.0% |
| Operating profit (loss)9901 | €29,301 | €37,360 | €42,775 | €141,644 | €86,578 | €42,232 | €46,000 | €73,412 | ▲ 59.6% |
| Recurring financial income75 | €0 | - | - | - | - | - | - | - | - |
| Financial charges65/66B | - | - | - | €19,858 | €20,343 | €20,971 | €20,932 | €20,366 | ▼ 2.7% |
| Recurring financial charges65 | €14,275 | €20,002 | €20,092 | €19,858 | €20,343 | €20,971 | €20,932 | €20,366 | ▼ 2.7% |
| Profit (loss) for the period before taxes9903 | €15,026 | -€18,576 | €22,660 | €121,785 | €66,235 | €21,260 | €25,068 | €53,046 | ▲ 112% |
| Income taxes67/77 | €4,375 | €0 | €2,304 | €25,700 | €16,453 | €27,815 | -€5,121 | €12,819 | - |
| Profit (loss) for the period9904 | €10,651 | -€18,576 | €20,356 | €96,085 | €49,782 | -€6,555 | €30,189 | €40,227 | ▲ 33.3% |
| Profit (loss) for the period to be appropriated9905 | €10,651 | -€18,576 | €20,356 | €96,085 | €49,782 | -€6,555 | €30,189 | €40,227 | ▲ 33.3% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €805,896 | €786,288 | €791,810 | €896,747 | €955,914 | €947,717 | €956,916 | €998,052 | ▲ 4.3% |
| Formation expenses20 | €0 | - | - | - | - | - | - | - | - |
| Fixed assets21/28 | €592,195 | €535,447 | €499,590 | €464,276 | €429,335 | €394,612 | €370,535 | €336,829 | ▼ 9.1% |
| Intangible fixed assets21 | €0 | - | - | - | - | - | €8,133 | €6,506 | ▼ 20.0% |
| Tangible fixed assets22/27 | €557,195 | €535,447 | €499,590 | €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% |
| Financial fixed assets28 | €35,000 | €0 | - | - | - | - | - | - | - |
| Current assets29/58 | €213,701 | €250,840 | €292,219 | €432,471 | €526,578 | €553,104 | €586,381 | €661,224 | ▲ 12.8% |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - | - | - | - |
| Amounts receivable within one year40/41 | €10,734 | €18,625 | €2,696 | €45,000 | - | - | - | €60,500 | - |
| Trade receivables40 | - | - | - | €45,000 | - | - | - | €60,500 | - |
| Current investments50/53 | €0 | - | - | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €201,413 | €230,496 | €287,720 | €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 | €805,896 | €786,288 | €791,810 | €896,747 | €955,914 | €947,717 | €956,916 | €998,052 | ▲ 4.3% |
| Equity10/15 | €281,987 | €258,271 | €278,627 | €351,638 | €401,419 | €386,280 | €416,469 | €314,415 | ▼ 24.5% |
| Contributions10/11 | €270,000 | €270,000 | - | €270,000 | €270,000 | €270,000 | €270,000 | €270,000 | = |
| Reserves13 | €40,725 | €35,585 | €55,941 | €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 | -€28,738 | -€47,314 | -€47,314 | -€47,229 | -€46,447 | -€53,002 | -€52,812 | -€52,585 | ▲ 0.4% |
| Provisions and deferred taxes16 | €0 | - | - | - | - | - | - | - | - |
| Amounts payable17/49 | €523,909 | €528,016 | €513,183 | €545,109 | €554,494 | €561,437 | €540,447 | €683,638 | ▲ 26.5% |
| Amounts payable after more than one year17 | €124,550 | €115,150 | €105,750 | €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 | €389,860 | €397,375 | €391,638 | €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 | €3,549 | €305 | €56 | - | - | €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 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,651 | -€18,576 | €20,356 | €96,085 | €49,782 | -€6,555 | €30,189 | €40,227 | ▲ 33.3% |
| + Depreciation and write-downs630 | €39,429 | €37,092 | €35,857 | €35,314 | €34,941 | €34,723 | €34,961 | €36,731 | ▲ 5.1% |
| Operating cash flow (approximation) | €50,079 | €18,517 | €56,213 | €131,399 | €84,722 | €28,168 | €65,150 | €76,958 | ▲ 18.1% |
| Investment in fixed assets (approximation) | - | €19,656 | €0 | €0 | €0 | €0 | -€10,884 | -€3,024 | ▲ 72.2% |
| Change in cash | - | €29,083 | €57,225 | €98,082 | €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.
Latest 10 of 19 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 01-08-2026 | 2026-00380912 |
| 31-12-2024 | micro format | 31-07-2025 | 2025-00358877 |
| 31-12-2023 | micro format | 31-07-2024 | 2024-00319325 |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00413735 |
| 31-12-2021 | abbreviated format | 20-07-2022 | 2022-20207519 |
| 31-12-2020 | abbreviated format | 07-07-2021 | 2021-32200176 |
| 31-12-2019 | abbreviated format | 29-08-2020 | 2020-47700190 |
| 31-12-2018 | abbreviated format | 23-09-2019 | 2019-65400200 |
| 31-12-2017 | abbreviated format | 27-08-2018 | 2018-51200499 |
| 31-12-2016 | abbreviated format | 30-06-2017 | 2017-23800046 |
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Of the 24,460 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 19,973. 13,913 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2024 · 1 entry · €900 awarded · €900 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.