ACTIVE

R&F CONSULT

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Financial year 2025 · Closed on 31/12/2025

Net result28,6 k €-30,1 %over 1 year
Gross margin345,4 k €+21,7 %over 1 year
Equity66,9 k €+14,8 %over 1 year

Identity

Source · BCE/KBO

R&F CONSULT is a Private limited company incorporated in 2015. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Denderleeuw.

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0638.935.832
Incorporation
29/09/2015
Legal form
Private limited company
Registered office
Middenstraat 44 box a
9470 Denderleeuw · FlandreSee on map
Contributed capital
6 400,00 €
Latest accounts
31/12/2025
Joint committees (1)
  • 307
Signals
ProfitablePositive cashflowPositive EBITDAHealthy social debts

Financials

Source · NBB, 10 filings

Trend over 9 financial years

20252024202320222021
Income statement
Gross margin345,4 k €283,8 k €262 k €246,2 k €289,6 k €
EBITDA204,2 k €207,9 k €154,5 k €123,8 k €146,8 k €
Operating result60,3 k €75,1 k €21,5 k €-10,3 k €15,6 k €
Net result28,6 k €41 k €-2 k €-29,2 k €-8,9 k €
Balance sheet
Equity66,9 k €58,3 k €17,3 k €19,3 k €48,5 k €
Total assets1,3 M €985,4 k €1 M €1,1 M €1,3 M €
Cash138,3 k €227,9 k €157,2 k €120,3 k €145,7 k €
Debts1,2 M €921 k €1 M €1,1 M €1,2 M €
Other
Workforce–––––

Valuation

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€
See the valuation

Board of directors

Source · NBB, accounts to 31/12/2025

2 active · 8 ended

Active mandates

Françoise van der Wijk

Director · since 24 septembre 2015

Active
Rebecca De Pauw

Director · since 24 septembre 2015

Active

Ended mandates

Françoise van der Wijk

Manager · since 24 septembre 2015

Ended
Rebecca De Pauw

Manager · since 24 septembre 2015

Ended
Walter Heyman

Manager · since 24 septembre 2015

Ended
Françoise van der Wijk

Director

Ended

Full financial information

Source · NBB
202520242023202220212020
Type of accountMicro modelMicro modelMicro modelMicro modelMicro 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 date26/06/202626/05/202524/06/202420/06/202322/06/202228/06/2021
General meeting20/06/202622/05/202520/06/202415/06/202316/06/202217/06/2021
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, 10 filings
ModelClosingGeneral meetingFiledLanguageDocument
Micro model31/12/202520/06/202626/06/2026DutchPDF
Micro model31/12/202422/05/202526/05/2025DutchPDF
Micro model31/12/202320/06/202424/06/2024DutchPDF
Micro model31/12/202215/06/202320/06/2023DutchPDF
Micro model31/12/202116/06/202222/06/2022DutchPDF
Micro model31/12/202017/06/202128/06/2021DutchPDF
Micro model31/12/201918/06/202023/06/2020DutchPDF
Micro model31/12/201820/06/201921/06/2019DutchPDF
Abridged model31/12/201721/06/201829/06/2018DutchPDF
Abridged model31/12/201615/06/201716/06/2017DutchPDF

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.

Board of directors

Source · NBB, accounts to 31/12/2025

2 active · 8 ended

Active mandates

Françoise van der Wijk

Director · since 24 septembre 2015

Active
Rebecca De Pauw

Director · since 24 septembre 2015

Active

Ended mandates

Françoise van der Wijk

Manager · since 24 septembre 2015

Ended
Rebecca De Pauw

Manager · since 24 septembre 2015

Ended
Walter Heyman

Manager · since 24 septembre 2015

Ended
Françoise van der Wijk

Director

Ended

Ownership and network

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Belgian Official Gazette publications

Source · Belgian Official Gazette
  • Mandates08/09/2020
    DOEL - ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …) - WIJZIGING RECHTSVORM
    PDF
  • Mandates17/05/2018
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Restructuring05/07/2017
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Restructuring08/05/2017
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Mandates03/01/2017
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Registered office01/12/2015
    MAATSCHAPPELIJKE ZETEL
    PDF
  • Other08/10/2015
    RUBRIEK OPRICHTING (NIEUWE RECHTSPERSOON, OPENING BIJKANTOOR, ENZ...)
    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 202528,6 k €↓
  2. 2024
    Annual accounts 202441 k €↑
  3. 2023
    Annual accounts 2023-2 k €↑
  4. 2022
    Annual accounts 2022-29,2 k €↓
  5. 2021
    Annual accounts 2021-8,9 k €↓
  6. 2019
    Annual accounts 20193,2 k €↓
  7. 2018
    Annual accounts 201821,1 k €↑
  8. 2017
    Annual accounts 201718,5 k €↑
  9. 2016
    Annual accounts 2016-6,1 k €
  10. 29/09/2015
    IncorporationPrivate limited company