ACTIVE

R.G.F. LOANS

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Financial year 2025 · closed on 31/12/2025
Net result
704,7 k €
+95.6% YoY
Gross margin
1,8 M €
+58.3% YoY
Equity
908,6 k €
+345.7% YoY
Workforce
9,3 ETP
+22.4% YoY

What does R.G.F. LOANS do?

R.G.F. LOANS is a Private limited company incorporated in 2014. Its main activity is: Other activities auxiliary to financial services, except insurance and pension funding. Its registered office is in Chaudfontaine. It employs on average 9,3 ETP workers (FTE).

Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0544.890.372
Incorporation
30/01/2014
Legal form
Private limited company
Registered office
Sentier du Lièvre 95
4053 Chaudfontaine · WallonieSee on map
Contributed capital
12 500,00 €
Latest accounts
31/12/2025
Average workforce
9,3 ETP
Activities (NACE)
66191Other activities auxiliary to financial services, except insurance and pension funding· main66191Other activities auxiliary to financial services, except insurance and pension funding66220Activities of insurance agents and brokers66220Activities of insurance agents and brokers
Joint committees (1)
  • 307
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts
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Health score
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✦ Verdict · Analyst summary
Financials

Trend over 12 financial years

202520242023202220212020201920182017201620152014
Income statement
Gross margin1,8 M €1,2 M €224,0 k €599,1 k €386,6 k €364,8 k €370,6 k €293,0 k €-1,6 k €35,5 k €20,9 k €19,8 k €
EBITDA1,2 M €590,3 k €-106,8 k €215,7 k €140,5 k €156,8 k €91,9 k €142,6 k €-2,0 k €35,1 k €20,5 k €19,4 k €
Operating result998,2 k €439,2 k €-248,2 k €87,1 k €20,9 k €43,5 k €-17,6 k €42,6 k €-2,0 k €35,1 k €20,5 k €17,4 k €
Net result704,7 k €360,3 k €-273,3 k €45,4 k €-3,5 k €20,2 k €-38,0 k €21,1 k €-4,8 k €21,0 k €33,1 k €9,7 k €
Balance sheet
Equity908,6 k €203,9 k €-156,5 k €116,8 k €71,4 k €74,9 k €54,8 k €92,7 k €71,6 k €76,4 k €55,3 k €22,2 k €
Total assets2,2 M €1,1 M €698,1 k €1,0 M €1,1 M €1,1 M €1,2 M €1,2 M €197,7 k €195,8 k €194,0 k €194,4 k €
Cash393,8 k €79,9 k €35,8 k €139,8 k €207,3 k €163,2 k €40,8 k €8,6 k €3,7 k €1,8 k €4,0 k €4,4 k €
Debts1,3 M €881,5 k €821,8 k €879,8 k €1,0 M €961,6 k €1,1 M €1,1 M €126,1 k €119,4 k €138,7 k €171,8 k €
Other
Workforce9,3 ETP7,6 ETP5,3 ETP5,8 ETP4,3 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 · 2 active · 13 ended

Active mandates

R.G.F. HOLDING

Director · since 17 octobre 2022 · 0792.639.458

Represented by Raoul GAUTHIER

Active
Bruno MAGHE

Managing director · since 28 mars 2018

Active

Ended mandates

Olivier MICHEL

Director · since 01 juillet 2018 · until 31 décembre 2022

Ended
Olivier MICHEL

Director · since 01 juillet 2018

Ended
Bruno MAGHE

Director · since 28 mars 2018

Ended
R.G.F. IMMO

Managing director · since 01 juillet 2016 · 0434.208.820

Represented by Philippe DEFORGES

Ended
At this address

Other companies at this address

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. INSURANCES● Active
0455.961.267
R.G.F. LIFE● Active
0689.818.468
RGF Real Estate Development● Active
0790.757.163
RG UNITE TVA● Active
0653.998.942
Annual accounts

Full financial information

202520242023202220212020
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged modelMicro 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 meeting13/05/202615/05/202505/07/202402/06/202327/06/202222/06/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls
Ratios

Financial ratios

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Filings

Annual accounts filings

12 filings with the NBB

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 model31/12/202127/06/202231/08/2022FrenchPDF
Micro model31/12/202022/06/202108/07/2021FrenchPDF
Micro model31/12/201926/06/202020/07/2020FrenchPDF
Micro model31/12/201827/06/201925/07/2019FrenchPDF
Abridged model31/12/201718/05/201829/06/2018FrenchPDF
Abridged model31/12/201619/05/201722/05/2017FrenchPDF
Abridged model31/12/201520/05/201627/06/2016FrenchPDF
Abridged model31/12/201415/05/201512/08/2015FrenchPDF
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 · 2 active · 13 ended

Active mandates

R.G.F. HOLDING

Director · since 17 octobre 2022 · 0792.639.458

Represented by Raoul GAUTHIER

Active
Bruno MAGHE

Managing director · since 28 mars 2018

Active

Ended mandates

Olivier MICHEL

Director · since 01 juillet 2018 · until 31 décembre 2022

Ended
Olivier MICHEL

Director · since 01 juillet 2018

Ended
Bruno MAGHE

Director · since 28 mars 2018

Ended
R.G.F. IMMO

Managing director · since 01 juillet 2016 · 0434.208.820

Represented by Philippe DEFORGES

Ended
Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

  • Mandates31/08/2026
    Nomination d'un commissaire
    PDF
  • Mandates03/06/2024
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates17/10/2023
    STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …) - MODIFICATION FORME JURIDIQUE - DEMISSIONS, NOMINATIONS
    PDF
  • Mandates16/01/2023
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates28/09/2022
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates23/01/2019
    DEMISSIONS, NOMINATIONS
    PDF
  • Mandates18/05/2018
    DENOMINATION - SIEGE SOCIAL - OBJET - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, …) - MODIFICATION FORME JURIDIQUE
    PDF
  • Mandates19/04/2018
    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

Timeline

  1. 2025
    Annual accounts 2025704,7 k €↑
  2. 2024
    Annual accounts 2024360,3 k €↑
  3. 2023
    Annual accounts 2023-273,3 k €↓
  4. 2022
    Annual accounts 202245,4 k €↑
  5. 2021
    Annual accounts 2021-3,5 k €↓
  6. 2020
    Annual accounts 202020,2 k €↑
  7. 2019
    Annual accounts 2019-38,0 k €↓
  8. 2018
    Annual accounts 201821,1 k €↑
  9. 2017
    Annual accounts 2017-4,8 k €↓
  10. 2017
    Name changeR.G.F. LOANS
  11. 2016
    Annual accounts 201621,0 k €↓
  12. 2015
    Annual accounts 201533,1 k €↑
  13. 2014
    Annual accounts 20149,7 k €
  14. 30/01/2014
    IncorporationPrivate limited company
  15. 2014
    Name changeFASASSUR INVEST