ACTIVE

RYAVEC ASSURANCES ET GESTIONS

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Financial year 2025 · Closed on 31/12/2025

Net result254,5 k €+29,4 %over 1 year

Gross margin757,1 k €-0,5 %over 1 year

Equity216,1 k €-47,5 %over 1 year

Workforce6,8 ETP0,0 %over 1 year

Identity

Source · BCE/KBO

RYAVEC ASSURANCES ET GESTIONS is a Cooperative company with limited liability incorporated in 1989. Its registered office is in Blégny. It employs on average 6,8 ETP workers (FTE).

Legal situation: Normal situation
BCE/KBO no. / VAT: BE 0437.084.275
Incorporation: 01/04/1989
Legal form: Cooperative company with limited liability
Registered office: Rue de la Station 44
4670 Blégny · WallonieSee on map
Contributed capital: 20 451,21 €
Latest accounts: 31/12/2025
Average workforce: 6,8 ETP

Joint committees (1)

Signals

ProfitableLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 20 financial years

	2025		2024		2023		2022		2021
Income statement
Gross margin	757,1 k €	-0.5%	761 k €	+7.6%	707,3 k €	+19.3%	592,7 k €	+7.7%	550,1 k €
EBITDA	434,5 k €	+5.9%	410,2 k €	+41.5%	289,9 k €	+66.1%	174,5 k €	+9.6%	159,2 k €
Operating result	352,7 k €	+23.7%	285 k €	+60.9%	177,1 k €	+119%	81 k €	+11.0%	72,9 k €
Net result	254,5 k €	+29.4%	196,8 k €	+67.8%	117,3 k €	+134%	50,2 k €	+26.5%	39,7 k €
Balance sheet
Equity	216,1 k €	-47.5%	411,5 k €	+12.5%	365,8 k €	+26.8%	288,5 k €	+7.5%	268,4 k €
Total assets	863 k €	+1.2%	853 k €	+3.1%	827,6 k €	+15.9%	713,8 k €	+26.5%	564,2 k €
Cash	487,2 k €	+35.7%	359 k €	+62.8%	220,6 k €	+72.8%	127,6 k €	-18.5%	156,5 k €
Debts	646,9 k €	+46.9%	440,5 k €	-4.6%	461,8 k €	+8.6%	425,3 k €	+43.8%	295,8 k €
Other
Workforce	6,8 ETP	0.0%	6,8 ETP	+19.3%	5,7 ETP	-5.0%	6,0 ETP	-1.6%	6,1 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

1 active · 7 ended

Active mandates

RRS conseil

Manager · since 01 janvier 2011 · 0832.269.601

Represented by JEAN-YVES RYAVEC

Active

Ended mandates

RRS conseil

Manager · since 01 janvier 2011 · 0832.269.601

Represented by JEAN-YVES RYAVEC

Ended

RRS conseil

Manager · since 01 janvier 2011 · 0832.269.601

Represented by JEAN-YVES RYAVEC

Ended

ETIENNE HANOT

Director · since 01 juillet 2009

Ended

ETIENNE HANOT

Manager · since 01 juillet 2009 · until 30 juin 2010

Ended

Other companies at this address

Rue de la Station 44 4670 Blégny

Company	CBE no.
RRS conseil● Active	0832.269.601

Full financial information

Source · NBB

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	26/08/2026	23/06/2025	26/06/2024	23/06/2023	22/06/2022	15/06/2021
General meeting	18/05/2026	04/04/2025	10/06/2024	08/06/2023	09/06/2022	10/06/2021
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

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	18/05/2026	26/08/2026	French	PDF
Abridged model	31/12/2024	04/04/2025	23/06/2025	French	PDF
Abridged model	31/12/2023	10/06/2024	26/06/2024	French	PDF
Abridged model	31/12/2022	08/06/2023	23/06/2023	French	PDF
Abridged model	31/12/2021	09/06/2022	22/06/2022	French	PDF
Abridged model	31/12/2020	10/06/2021	15/06/2021	French	PDF
Abridged model	31/12/2019	11/06/2020	01/07/2020	French	PDF
Abridged model	31/12/2018	13/06/2019	20/06/2019	French	PDF
Abridged model	31/12/2017	14/06/2018	18/07/2018	French	PDF
Abridged model	31/12/2016	08/06/2017	28/07/2017	French	PDF
Abridged model	31/12/2015	09/06/2016	31/08/2016	French	PDF
Abridged model	31/12/2014	11/06/2015	10/08/2015	French	PDF
Abridged model	31/12/2013	12/06/2014	31/07/2014	French	PDF
Abridged model	31/12/2012	13/06/2013	01/07/2013	French	PDF
Abridged model	31/12/2011	14/06/2012	30/06/2012	French	PDF
Abridged model	31/12/2010	09/06/2011	28/06/2011	French	PDF
Abridged model	31/12/2009	10/06/2010	30/07/2010	French	PDF
Abridged model	31/12/2008	30/06/2009	16/07/2009	French	PDF
Abridged model	31/12/2007	12/06/2008	10/07/2008	French	PDF
Abridged model	31/12/2006	14/06/2007	23/07/2007	French	PDF

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

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.

Board of directors

Source · NBB, accounts to 31/12/2025

1 active · 7 ended

Active mandates

RRS conseil

Manager · since 01 janvier 2011 · 0832.269.601

Represented by JEAN-YVES RYAVEC

Active

Ended mandates

RRS conseil

Manager · since 01 janvier 2011 · 0832.269.601

Represented by JEAN-YVES RYAVEC

Ended

RRS conseil

Manager · since 01 janvier 2011 · 0832.269.601

Represented by JEAN-YVES RYAVEC

Ended

ETIENNE HANOT

Director · since 01 juillet 2009

Ended

ETIENNE HANOT

Manager · since 01 juillet 2009 · until 30 juin 2010

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette

Mandates05/01/2024
DEMISSIONS, NOMINATIONS - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
PDF
Mandates10/02/2011
DEMISSIONS, NOMINATIONS
PDF
Mandates13/08/2010
DEMISSIONS, NOMINATIONS
PDF
Mandates18/08/2009
DEMISSIONS, NOMINATIONS
PDF
Mandates07/11/2006
DEMISSIONS, NOMINATIONS
PDF

Similar companies

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

See the Business plan

Timeline

2025
Annual accounts 2025254,5 k €↑
2024
Annual accounts 2024196,8 k €↑
2023
Annual accounts 2023117,3 k €↑
2022
Annual accounts 202250,2 k €↑
2021
Annual accounts 202139,7 k €↓
2021
Name changeRYAVEC ASSURANCES ET GESTION
2020
Annual accounts 202062,6 k €↑
2019
Annual accounts 201918 k €↓
2018
Annual accounts 201841,4 k €↑
2017
Annual accounts 20172,7 k €↓
2016
Annual accounts 201651,7 k €↑
2015
Annual accounts 201549,3 k €↓
2014
Annual accounts 2014175,3 k €↑
2013
Annual accounts 2013464,4 €↑
2012
Annual accounts 2012-741,6 €↓
2011
Annual accounts 201113,5 k €↓
2010
Annual accounts 201059,6 k €↑
2009
Annual accounts 20099,6 k €↓
2008
Annual accounts 200824,1 k €↓
2007
Annual accounts 200737,3 k €↓
2006
Annual accounts 200677,2 k €
2006
Name changeRYAVEC ASSURANCES ET GESTIONS
01/04/1989
IncorporationCooperative company with limited liability

RYAVEC ASSURANCES ET GESTIONS

Overview

Identity

Financials

Valuation

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

Timeline