ACTIVE

R.G.F. INSURANCES

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Financial year 2025 · Closed on 31/12/2025

Net result-429,6 k €-4,4 %over 1 year
Gross margin4,2 M €+24,0 %over 1 year
Equity-449,7 k €-2 133,5 %over 1 year
Workforce32,2 ETP+9,9 %over 1 year

Identity

Source · BCE/KBO

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
Joint committees (1)
  • 307
Signals
Positive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 20 filings

Trend over 20 financial years

20252024202320222021
Income statement
Gross margin4,2 M €3,4 M €2,3 M €1,6 M €1,3 M €
EBITDA1,9 M €1,3 M €1 M €497,8 k €384 k €
Operating result186,8 k €73,9 k €526,6 k €63,5 k €-12 k €
Net result-429,6 k €-411,4 k €285 k €3,4 k €-64,6 k €
Balance sheet
Equity-449,7 k €-20,1 k €391,2 k €106,3 k €102,9 k €
Total assets14,1 M €13,2 M €9,1 M €5 M €3 M €
Cash354,5 k €283,6 k €54,1 k €78,1 k €229,2 k €
Debts14,6 M €13,2 M €8,7 M €4,9 M €2,8 M €
Other
Workforce32,2 ETP29,3 ETP20,8 ETP17,8 ETP15,9 ETP

Valuation

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€
See the valuation

Board of directors

Source · NBB, accounts to 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

Other companies at this address

Sentier du Lièvre 95 4053 Chaudfontaine
CompanyCBE 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

Full financial information

Source · NBB
202520242023202220212020
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged modelAbridged model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date29/06/202605/06/202527/07/202405/06/202331/08/202208/07/2021
General meeting13/05/202615/05/202505/07/202402/06/202322/06/202222/06/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls

Financial ratios

Source · NBB

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Annual accounts filings

Source · NBB, 20 filings
ModelClosingGeneral meetingFiledLanguageDocument
Abridged model31/12/202513/05/202629/06/2026FrenchPDF
Abridged model31/12/202415/05/202505/06/2025FrenchPDF
Abridged model31/12/202305/07/202427/07/2024FrenchPDF
Abridged model31/12/202202/06/202305/06/2023FrenchPDF
Abridged model31/12/202122/06/202231/08/2022FrenchPDF
Abridged model31/12/202022/06/202108/07/2021FrenchPDF
Abridged model31/12/201926/06/202020/07/2020FrenchPDF
Abridged model31/12/201827/06/201925/07/2019FrenchPDF
Abridged model31/12/201712/06/201829/06/2018FrenchPDF
Abridged model31/12/201613/06/201715/06/2017FrenchPDF
Abridged model31/12/201514/06/201615/06/2016FrenchPDF
Abridged model31/12/201409/06/201512/08/2015FrenchPDF
Abridged model31/12/201330/06/201406/08/2014FrenchPDF
Abridged model31/12/201230/06/201330/09/2013FrenchPDF
Abridged model31/12/201129/06/201224/08/2012FrenchPDF
Abridged model31/12/201029/06/201126/07/2011FrenchPDF
Abridged model31/12/200931/05/201031/08/2010FrenchPDF
Abridged model31/12/200830/06/200928/08/2009FrenchPDF
Abridged model31/12/200730/06/200820/08/2008FrenchPDF
Abridged model31/12/200631/07/200723/08/2007FrenchPDF

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.

Board of directors

Source · NBB, accounts to 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

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • 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

Similar companies

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

See the Business plan

Timeline

  1. 2025
    Annual accounts 2025-429,6 k €↓
  2. 2024
    Annual accounts 2024-411,4 k €↓
  3. 2023
    Annual accounts 2023285 k €↑
  4. 2022
    Annual accounts 20223,4 k €↑
  5. 2021
    Annual accounts 2021-64,6 k €↓
  6. 2020
    Annual accounts 202044,8 k €↑
  7. 2019
    Annual accounts 20193,6 k €↓
  8. 2018
    Annual accounts 201883,8 k €↑
  9. 2017
    Annual accounts 2017-3,2 k €↓
  10. 2017
    Name changeR.G.F. INSURANCES
  11. 2016
    Annual accounts 20162,8 k €↓
  12. 2015
    Annual accounts 201527,1 k €↓
  13. 2014
    Annual accounts 201429,9 k €↑
  14. 2013
    Annual accounts 2013-1,4 k €↑
  15. 2012
    Annual accounts 2012-2,6 k €↓
  16. 2011
    Annual accounts 201116,8 k €↑
  17. 2010
    Annual accounts 201011,9 k €↑
  18. 2009
    Annual accounts 20093,6 k €↑
  19. 2008
    Annual accounts 20081 k €↑
  20. 2007
    Annual accounts 2007-4,9 k €↓
  21. 2006
    Annual accounts 2006-3,1 k €
  22. 2006
    Name changeM.G. ASSUR-INFOR
  23. 14/09/1995
    IncorporationPrivate limited company