ACTIVE

R.G.F. INSURANCES

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Financial year 2025 · closed on 31/12/2025

Net result

-429,6 k €

-4.4% YoY

Gross margin

4,2 M €

+24.0% YoY

Equity

-449,7 k €

-2133.5% YoY

Workforce

32,2 ETP

+9.9% YoY

What does R.G.F. INSURANCES do?

R.G.F. INSURANCES is a Private limited company incorporated in 1995. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Chaudfontaine. It employs on average 32,2 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0455.961.267

Incorporation

14/09/1995

Legal form

Private limited company

Registered office

Sentier du Lièvre 95
4053 Chaudfontaine · WallonieSee on map

Contributed capital

18 592,00 €

Latest accounts

31/12/2025

Average workforce

32,2 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (1)

Signals

Positive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	4,2 M €	+24.0%	3,4 M €	+45.2%	2,3 M €	+49.2%	1,6 M €	+18.9%	1,3 M €	+2.4%	1,3 M €	+5.8%	1,2 M €	+29.2%	934,4 k €	+35127%	-2,7 k €	-148%	5,6 k €	-81.6%	30,2 k €	-19.8%	37,7 k €	+73.8%	21,7 k €	-29.9%	31 k €	-36.5%	48,7 k €	+76.5%	27,6 k €	+5.5%	26,2 k €	+311%	6,4 k €	+568%	954,1 €	-81.9%	5,3 k €
EBITDA	1,9 M €	+44.5%	1,3 M €	+28.8%	1 M €	+103%	497,8 k €	+29.6%	384 k €	-21.7%	490,8 k €	+9.2%	449,4 k €	-11.4%	507,4 k €	+16930%	-3 k €	-160%	5 k €	-82.7%	29,1 k €	-11.8%	33 k €	+13464%	243,2 €	+200%	-242,3 €	-101%	29,3 k €	+50.4%	19,5 k €	+239%	5,7 k €	+20.3%	4,8 k €	+2223%	205,6 €	-93.0%	3 k €
Operating result	186,8 k €	+153%	73,9 k €	-86.0%	526,6 k €	+730%	63,5 k €	+630%	-12 k €	-109%	129,8 k €	+58.7%	81,7 k €	-49.9%	163,1 k €	+5510%	-3 k €	-160%	5 k €	-82.7%	29,1 k €	-11.8%	33 k €	+15402%	-215,6 €	+66.9%	-650,8 €	-102%	28,8 k €	+52.7%	18,9 k €	+296%	4,8 k €	+61.1%	3 k €	+164%	-4,6 k €	-99.3%	-2,3 k €
Net result	-429,6 k €	-4.4%	-411,4 k €	-244%	285 k €	+8393%	3,4 k €	+105%	-64,6 k €	-244%	44,8 k €	+1158%	3,6 k €	-95.7%	83,8 k €	+2715%	-3,2 k €	-214%	2,8 k €	-89.7%	27,1 k €	-9.4%	29,9 k €	+2184%	-1,4 k €	+43.8%	-2,6 k €	-115%	16,8 k €	+41.5%	11,9 k €	+227%	3,6 k €	+261%	1 k €	+120%	-4,9 k €	-59.3%	-3,1 k €
Balance sheet
Equity	-449,7 k €	-2133%	-20,1 k €	-105%	391,2 k €	+268%	106,3 k €	+3.3%	102,9 k €	-38.6%	167,5 k €	+36.5%	122,7 k €	+3.0%	119,2 k €	+237%	35,3 k €	-8.3%	38,6 k €	+7.8%	35,8 k €	+0.3%	35,6 k €	-0.2%	35,7 k €	-3.9%	37,2 k €	-6.4%	39,7 k €	+73.4%	22,9 k €	+108%	11 k €	+49.3%	7,4 k €	+15.8%	6,4 k €	-43.6%	11,3 k €
Total assets	14,1 M €	+6.5%	13,2 M €	+45.2%	9,1 M €	+82.2%	5 M €	+68.9%	3 M €	-3.2%	3,1 M €	-10.5%	3,4 M €	-1.2%	3,5 M €	+9017%	38 k €	-8.5%	41,6 k €	-40.4%	69,8 k €	-3.0%	71,9 k €	+54.3%	46,6 k €	-6.4%	49,8 k €	-10.4%	55,6 k €	+67.9%	33,1 k €	+98.6%	16,7 k €	+21.4%	13,7 k €	-17.2%	16,6 k €	-35.9%	25,9 k €
Cash	354,5 k €	+25.0%	283,6 k €	+424%	54,1 k €	-30.7%	78,1 k €	-65.9%	229,2 k €	+1.3%	226,2 k €	+680%	29 k €	-84.8%	191,2 k €	+7949%	2,4 k €	-91.1%	26,6 k €	+27.5%	20,8 k €	+665%	2,7 k €	-92.2%	35 k €	-1.8%	35,7 k €	-10.2%	39,7 k €	+128%	17,4 k €	+120%	7,9 k €	+11.0%	7,1 k €	+16.6%	6,1 k €	+39.5%	4,4 k €
Debts	14,6 M €	+10.0%	13,2 M €	+51.8%	8,7 M €	+78.7%	4,9 M €	+72.2%	2,8 M €	-1.5%	2,9 M €	-6.7%	3,1 M €	-7.8%	3,3 M €	+124454%	2,7 k €	-11.4%	3 k €	-91.1%	34 k €	-6.1%	36,3 k €	+233%	10,9 k €	-13.7%	12,6 k €	-20.4%	15,9 k €	+55.6%	10,2 k €	+80.6%	5,6 k €	-11.1%	6,3 k €	-37.6%	10,2 k €	-30.1%	14,6 k €
Other
Workforce	32,2 ETP	+9.9%	29,3 ETP	+40.9%	20,8 ETP	+16.9%	17,8 ETP	+11.9%	15,9 ETP	+11.2%	14,3 ETP	-7.7%	15,5 ETP		–		–		–		–		–		–		1,0 ETP	0.0%	1,0 ETP	+25.0%	0,8 ETP	0.0%	0,8 ETP		–		–		–

Estimate

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 7 active · 22 ended

Active mandates

Laurence PHILIPPART

Director · since 15 mai 2024

Active

Bruno MAGHE

Director · since 03 octobre 2023

Active

Jean-Christophe CLOSE

Director · since 03 octobre 2023

Active

PASCAL FASSOTTE

Managing director · since 03 octobre 2023

Active

R.G.F. HOLDING

Director · since 17 octobre 2022 · 0792.639.458

Represented by Raoul GAUTHIER

Active

Claude DE HUYVETTER

Director · since 01 juillet 2022

Active

XAVIER WINAND

Director · since 10 février 2020

Active

Ended mandates

Caroline HUBIN

Director · since 18 mars 2018

Ended

Pascal FASSOTTE

Director · since 18 mars 2018

Ended

R.G.F. IMMO

Managing director · since 18 janvier 2018 · 0434.208.820

Represented by Philippe DEFORGES

Ended

R.G.F. LOANS

Manager · since 31 janvier 2014 · 0544.890.372

Represented by Pascal FASSOTTE

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. IMMO● Active	0434.208.820
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

	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	29/06/2026	05/06/2025	27/07/2024	05/06/2023	31/08/2022	08/07/2021
General meeting	13/05/2026	15/05/2025	05/07/2024	02/06/2023	22/06/2022	22/06/2021
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

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	31/12/2025	13/05/2026	29/06/2026	French	PDF
Abridged model	31/12/2024	15/05/2025	05/06/2025	French	PDF
Abridged model	31/12/2023	05/07/2024	27/07/2024	French	PDF
Abridged model	31/12/2022	02/06/2023	05/06/2023	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 model	31/12/2019	26/06/2020	20/07/2020	French	PDF
Abridged model	31/12/2018	27/06/2019	25/07/2019	French	PDF
Abridged model	31/12/2017	12/06/2018	29/06/2018	French	PDF
Abridged model	31/12/2016	13/06/2017	15/06/2017	French	PDF
Abridged model	31/12/2015	14/06/2016	15/06/2016	French	PDF
Abridged model	31/12/2014	09/06/2015	12/08/2015	French	PDF
Abridged model	31/12/2013	30/06/2014	06/08/2014	French	PDF
Abridged model	31/12/2012	30/06/2013	30/09/2013	French	PDF
Abridged model	31/12/2011	29/06/2012	24/08/2012	French	PDF
Abridged model	31/12/2010	29/06/2011	26/07/2011	French	PDF
Abridged model	31/12/2009	31/05/2010	31/08/2010	French	PDF
Abridged model	31/12/2008	30/06/2009	28/08/2009	French	PDF
Abridged model	31/12/2007	30/06/2008	20/08/2008	French	PDF
Abridged model	31/12/2006	31/07/2007	23/08/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 2,5 M€ and 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.

Governance

Board of directors

Seen on filing of 31/12/2025 · 7 active · 22 ended

Active mandates

Laurence PHILIPPART

Director · since 15 mai 2024

Active

Bruno MAGHE

Director · since 03 octobre 2023

Active

Jean-Christophe CLOSE

Director · since 03 octobre 2023

Active

PASCAL FASSOTTE

Managing director · since 03 octobre 2023

Active

R.G.F. HOLDING

Director · since 17 octobre 2022 · 0792.639.458

Represented by Raoul GAUTHIER

Active

Claude DE HUYVETTER

Director · since 01 juillet 2022

Active

XAVIER WINAND

Director · since 10 février 2020

Active

Ended mandates

Caroline HUBIN

Director · since 18 mars 2018

Ended

Pascal FASSOTTE

Director · since 18 mars 2018

Ended

R.G.F. IMMO

Managing director · since 18 janvier 2018 · 0434.208.820

Represented by Philippe DEFORGES

Ended

R.G.F. LOANS

Manager · since 31 janvier 2014 · 0544.890.372

Represented by Pascal FASSOTTE

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates31/08/2026
Nomination d'un commissaire et démission d'un administrateur
PDF
Restructuring23/03/2026
CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring14/01/2026
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring04/03/2025
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring19/12/2024
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates06/12/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates03/06/2024
DEMISSIONS, NOMINATIONS
PDF
Restructuring02/04/2024
CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
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

2025
Annual accounts 2025-429,6 k €↓
2024
Annual accounts 2024-411,4 k €↓
2023
Annual accounts 2023285 k €↑
2022
Annual accounts 20223,4 k €↑
2021
Annual accounts 2021-64,6 k €↓
2020
Annual accounts 202044,8 k €↑
2019
Annual accounts 20193,6 k €↓
2018
Annual accounts 201883,8 k €↑
2017
Annual accounts 2017-3,2 k €↓
2017
Name changeR.G.F. INSURANCES
2016
Annual accounts 20162,8 k €↓
2015
Annual accounts 201527,1 k €↓
2014
Annual accounts 201429,9 k €↑
2013
Annual accounts 2013-1,4 k €↑
2012
Annual accounts 2012-2,6 k €↓
2011
Annual accounts 201116,8 k €↑
2010
Annual accounts 201011,9 k €↑
2009
Annual accounts 20093,6 k €↑
2008
Annual accounts 20081 k €↑
2007
Annual accounts 2007-4,9 k €↓
2006
Annual accounts 2006-3,1 k €
2006
Name changeM.G. ASSUR-INFOR
14/09/1995
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. INSURANCES

Overview

What does R.G.F. INSURANCES do?

Trend over 20 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