ACTIVE

R.G.F. IMMO

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Financial year 2024 · closed on 31/12/2024

Net result

180,8 k €

-50.0% YoY

Gross margin

829,4 k €

-19.9% YoY

Equity

2,7 M €

+6.4% YoY

Workforce

2,1 ETP

-19.2% YoY

What does R.G.F. IMMO do?

R.G.F. IMMO is a Private limited company incorporated in 1988. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Chaudfontaine. It employs on average 2,1 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0434.208.820

Incorporation

18/05/1988

Legal form

Private limited company

Registered office

Sentier du Lièvre 95
4053 Chaudfontaine · WallonieSee on map

Contributed capital

11 474,00 €

Latest accounts

31/12/2024

Average workforce

2,1 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Signals

ProfitableSolid equityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	829,4 k €	-19.9%	1 M €	-1.5%	1,1 M €	+2.5%	1 M €	-10.8%	1,1 M €	-17.2%	1,4 M €	-80.9%	7,3 M €	+186%	2,5 M €	-16.8%	3,1 M €	-3.7%	3,2 M €	+8.5%	2,9 M €	+14.0%	2,6 M €	+15.2%	2,2 M €	+11.9%	2 M €	+50.6%	1,3 M €	+22.4%	1,1 M €	+27.5%	845,4 k €	-0.8%	852,5 k €	+71.5%	497,1 k €
EBITDA	665,3 k €	-25.8%	896,4 k €	+31.3%	682,6 k €	+4.9%	650,9 k €	-17.4%	787,6 k €	-15.0%	926,4 k €	-85.1%	6,2 M €	+579%	918,9 k €	+7.8%	852,5 k €	-1.9%	869,2 k €	+29.4%	671,6 k €	-14.5%	785,3 k €	+6.8%	735,6 k €	+9.6%	671,4 k €	+21.0%	555,1 k €	+5.9%	524 k €	+19.9%	436,9 k €	-16.1%	521 k €	+60.3%	325,1 k €
Operating result	345,2 k €	-36.8%	546,4 k €	+183%	193,3 k €	+48.6%	130,1 k €	+0.9%	129 k €	-17.6%	156,5 k €	-97.0%	5,2 M €	+2204%	227,2 k €	+4.1%	218,3 k €	+14.1%	191,2 k €	+17435%	-1,1 k €	-101%	195,2 k €	+37.5%	141,9 k €	+5.8%	134,1 k €	+42.5%	94,1 k €	-68.0%	294,5 k €	+52.4%	193,2 k €	-37.6%	309,8 k €	+62.1%	191,1 k €
Net result	180,8 k €	-50.0%	361,5 k €	+1006%	-39,9 k €	-146%	86,7 k €	+153%	34,3 k €	-35.2%	53 k €	-98.6%	3,7 M €	+1421%	241,8 k €	+669%	31,4 k €	+314%	-14,7 k €	+75.6%	-60,2 k €	-185%	70,8 k €	+57.4%	45 k €	+559%	-9,8 k €	-130%	33,1 k €	-81.7%	180,9 k €	+175%	65,7 k €	-70.1%	219,4 k €	+42.6%	153,8 k €
Balance sheet
Equity	2,7 M €	+6.4%	2,6 M €	+16.3%	2,2 M €	-40.6%	3,7 M €	-5.4%	3,9 M €	-2.1%	4 M €	-4.1%	4,2 M €	+662%	550,2 k €	+78.4%	308,4 k €	+11.4%	277 k €	-5.0%	291,6 k €	-17.1%	351,8 k €	+13.1%	311 k €	+16.9%	266 k €	-3.6%	275,8 k €	+13.7%	242,7 k €	+4.2%	232,9 k €	+39.3%	167,2 k €	+103%	82,3 k €
Total assets	7,4 M €	-2.2%	7,6 M €	-8.4%	8,3 M €	-25.6%	11,1 M €	+28.8%	8,6 M €	-18.4%	10,6 M €	-4.8%	11,1 M €	+139%	4,7 M €	-4.5%	4,9 M €	-7.5%	5,3 M €	+3.0%	5,1 M €	+2.2%	5 M €	+12.5%	4,5 M €	+5.5%	4,2 M €	+4.4%	4 M €	+188%	1,4 M €	-8.1%	1,5 M €	+6.5%	1,4 M €	+25.3%	1,1 M €
Cash	169 k €	+273%	45,3 k €	-69.4%	148,1 k €	-35.5%	229,7 k €	+20.2%	191,1 k €	-75.9%	794,4 k €	-45.6%	1,5 M €	+444%	268,4 k €	-47.6%	512,4 k €	+0.6%	509,1 k €	+98.3%	256,7 k €	+8.8%	235,9 k €	-46.6%	442,1 k €	+5.8%	417,9 k €	-6.5%	447 k €	-25.4%	599,2 k €	-2.6%	614,9 k €	+3.7%	592,8 k €	+42.2%	416,9 k €
Debts	4,5 M €	-7.0%	4,9 M €	-18.6%	6 M €	-13.8%	6,9 M €	+68.1%	4,1 M €	-30.5%	5,9 M €	+2.5%	5,8 M €	+67.2%	3,4 M €	+0.8%	3,4 M €	-12.2%	3,9 M €	-4.1%	4,1 M €	+4.2%	3,9 M €	+11.4%	3,5 M €	+1.9%	3,4 M €	+2.7%	3,3 M €	+336%	768,4 k €	-18.5%	943,1 k €	-6.3%	1 M €	+11.7%	900,9 k €
Other
Workforce	2,1 ETP	-19.2%	2,6 ETP	-57.4%	6,1 ETP	+29.8%	4,7 ETP	-30.9%	6,8 ETP	-32.0%	10,0 ETP		–		–		–		30,3 ETP	0.0%	30,3 ETP	+13.9%	26,6 ETP	+6.0%	25,1 ETP	+9.1%	23,0 ETP	+47.4%	15,6 ETP	+26.8%	12,3 ETP	+48.2%	8,3 ETP	+29.7%	6,4 ETP	+42.2%	4,5 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 3 active · 54 ended

Active mandates

Bruno MAGHE

Director · until 04 avril 2025

Active

Mikael PETIT

Director · until 04 avril 2025

Active

RAOUL GAUTHIER HOLDING

Managing director · 0875.094.705

Represented by Raoul GAUTHIER

Active

Ended mandates

Bruno MAGHE

Director · since 01 avril 2015 · until 26 juin 2020

Ended

Caroline HUBIN

Director · since 01 avril 2015 · until 26 juin 2020

Ended

CLAUDE HOUTHOOFDT

Director · since 01 janvier 2014 · until 26 juin 2020

Ended

DOMINIQUE VAN MALDER

Director · since 01 janvier 2014 · until 26 juin 2020

Ended

At this address

Other companies at this address

Company	CBE no.
Armoni Financial Architects● Active	0670.433.118
BIZNESS● Active	0881.661.506
BIZNESS GROUP● Active	0665.803.545
CHRISTIAN DELABY● Active	0866.263.151
CLOES CONSULT● Active	0471.563.817
DMD IMMO● Active	0827.580.145
PATRIMONIA REAL ESTATE● Active	0734.926.141
RAOUL GAUTHIER HOLDING● Active	0875.094.705
R.G.F.ADVICES● Active	0871.765.031
RGF Financial Services● Active	0737.984.710
R.G.F. HOLDING● Active	0792.639.458
R.G.F. INSURANCES● Active	0455.961.267
R.G.F. LIFE● Active	0689.818.468
R.G.F. LOANS● Active	0544.890.372
RGF Real Estate Development● Active	0790.757.163
RG UNITE TVA● Active	0653.998.942

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	31/12/2025	30/09/2024	01/09/2023	31/08/2022	08/07/2021	23/07/2020
General meeting	09/10/2025	27/09/2024	30/08/2023	22/06/2022	22/06/2021	26/06/2020
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2024	09/10/2025	31/12/2025	French	PDF
Abridged model	31/12/2023	27/09/2024	30/09/2024	French	PDF
Abridged model	31/12/2022	30/08/2023	01/09/2023	French	PDF
Abridged model	31/12/2021	22/06/2022	31/08/2022	French	PDF
Abridged model	31/12/2020	22/06/2021	08/07/2021	French	PDF
Abridged modelCorrection	31/12/2019	26/06/2020	23/07/2020	French	PDF
Abridged model	31/12/2019	30/06/2020	23/07/2020	French	PDF
Abridged model	31/12/2018	30/06/2019	29/07/2019	French	PDF
Abridged model	31/12/2017	30/06/2018	20/07/2018	French	PDF
Abridged model	31/12/2016	30/06/2017	30/08/2017	French	PDF
Abridged model	31/12/2015	24/06/2016	29/09/2016	French	PDF
Abridged model	31/12/2014	26/06/2015	11/08/2015	French	PDF
Abridged model	31/12/2013	27/06/2014	06/08/2014	French	PDF
Abridged model	31/12/2012	28/06/2013	29/07/2013	French	PDF
Abridged model	31/12/2011	29/06/2012	09/08/2012	French	PDF
Abridged model	31/12/2010	24/06/2011	31/10/2011	French	PDF
Abridged model	31/12/2009	25/06/2010	11/10/2010	French	PDF
Abridged model	31/12/2008	02/01/2009	25/08/2009	French	PDF
Abridged model	31/12/2007	08/05/2008	23/09/2008	French	PDF
Abridged model	31/12/2006	10/05/2007	27/08/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2024 · 3 active · 54 ended

Active mandates

Bruno MAGHE

Director · until 04 avril 2025

Active

Mikael PETIT

Director · until 04 avril 2025

Active

RAOUL GAUTHIER HOLDING

Managing director · 0875.094.705

Represented by Raoul GAUTHIER

Active

Ended mandates

Bruno MAGHE

Director · since 01 avril 2015 · until 26 juin 2020

Ended

Caroline HUBIN

Director · since 01 avril 2015 · until 26 juin 2020

Ended

CLAUDE HOUTHOOFDT

Director · since 01 janvier 2014 · until 26 juin 2020

Ended

DOMINIQUE VAN MALDER

Director · since 01 janvier 2014 · until 26 juin 2020

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates26/08/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates12/11/2024
DEMISSIONS, NOMINATIONS
PDF
Restructuring28/10/2022
DENOMINATION - OBJET - CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates28/09/2022
DEMISSIONS, NOMINATIONS
PDF
Restructuring28/06/2022
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates03/02/2021
MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE - OBJET
PDF
Mandates10/08/2020
DEMISSIONS, NOMINATIONS
PDF
Mandates28/07/2020
DEMISSIONS, NOMINATIONS
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2024
Annual accounts 2024180,8 k €↓
2023
Annual accounts 2023361,5 k €↑
2022
Annual accounts 2022-39,9 k €↓
2022
Name changeR.G.F. IMMO
2021
Annual accounts 202186,7 k €↑
2021
Name changeR.G. FINANCES
2020
Annual accounts 202034,3 k €↓
2019
Annual accounts 201953 k €↓
2018
Annual accounts 20183,7 M €↑
2017
Annual accounts 2017241,8 k €↑
2016
Annual accounts 201631,4 k €↑
2015
Annual accounts 2015-14,7 k €↑
2014
Annual accounts 2014-60,2 k €↓
2013
Annual accounts 201370,8 k €↑
2012
Annual accounts 201245 k €↑
2011
Annual accounts 2011-9,8 k €↓
2010
Annual accounts 201033,1 k €↓
2009
Annual accounts 2009180,9 k €↑
2008
Annual accounts 200865,7 k €↓
2007
Annual accounts 2007219,4 k €↑
2006
Annual accounts 2006153,8 k €
18/05/1988
IncorporationPrivate limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

R.G.F. IMMO

Overview

What does R.G.F. IMMO do?

Trend over 19 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline