ACTIVE

RFassurCrédit

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Financial year 2025 · closed on 31/12/2025

Net result

30,6 k €

-22.9% YoY

Gross margin

133 k €

+32.7% YoY

Equity

253,4 k €

+6.6% YoY

What does RFassurCrédit do?

RFassurCrédit is a Private limited company incorporated in 2005. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Charleroi.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0874.697.597

Incorporation

27/06/2005

Legal form

Private limited company

Registered office

Avenue de la Paix 5 box 1
6032 Charleroi · WallonieSee on map

Contributed capital

24 750,00 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances 82990Other business support service activities n.e.c.82990Other business support service activities n.e.c.

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2006
Income statement
Gross margin	133 k €	+32.7%	100,3 k €	-1.8%	102,1 k €	-24.6%	135,3 k €	+74.6%	77,5 k €	-5.5%	82 k €	+42.5%	57,5 k €	-9.9%	63,8 k €	-30.1%	91,3 k €	+7.6%	84,8 k €	+157%	33,1 k €	-13.3%	38,1 k €	-28.1%	53 k €	+182%	18,8 k €	-23.5%	24,6 k €	-49.6%	48,8 k €	-31.3%	71,1 k €	-55.7%	160,4 k €	+34.2%	119,5 k €
EBITDA	56,1 k €	-14.3%	65,4 k €	-5.5%	69,3 k €	-29.0%	97,5 k €	+149%	39,1 k €	-24.3%	51,7 k €	+31.9%	39,2 k €	-35.3%	60,5 k €	-29.2%	85,5 k €	+2.9%	83,1 k €	+166%	31,2 k €	-14.5%	36,5 k €	+49.3%	24,4 k €	+427%	-7,5 k €	+81.0%	-39,3 k €	-733%	-4,7 k €	-151%	9,2 k €	-73.5%	34,6 k €	-66.4%	103,1 k €
Operating result	44,7 k €	-19.7%	55,7 k €	-10.2%	62,1 k €	-30.8%	89,6 k €	+182%	31,8 k €	-22.6%	41 k €	+40.0%	29,3 k €	-46.3%	54,6 k €	-31.9%	80,1 k €	+10.9%	72,2 k €	+194%	24,6 k €	+23.7%	19,9 k €	+135%	8,5 k €	+133%	-25,6 k €	+58.0%	-60,8 k €	-84.9%	-32,9 k €	-81.0%	-18,2 k €	-354%	7,2 k €	-91.3%	82,8 k €
Net result	30,6 k €	-22.9%	39,7 k €	-12.4%	45,3 k €	-26.5%	61,7 k €	+228%	18,8 k €	-32.6%	27,9 k €	+47.1%	19 k €	-41.0%	32,2 k €	-41.6%	55,1 k €	-16.5%	66 k €	+169%	24,5 k €	+26.3%	19,4 k €	+145%	7,9 k €	+132%	-24,9 k €	+58.0%	-59,2 k €	-90.6%	-31,1 k €	-81.4%	-17,1 k €	-302%	8,5 k €	-85.8%	59,6 k €
Balance sheet
Equity	253,4 k €	+6.6%	237,7 k €	+3.2%	230,4 k €	-4.0%	240,1 k €	-0.5%	241,4 k €	+8.4%	222,6 k €	+14.3%	194,7 k €	+10.8%	175,7 k €	+22.4%	143,6 k €	+62.3%	88,5 k €	+34.2%	65,9 k €	+59.2%	41,4 k €	+88.2%	22 k €	+56.4%	14,1 k €	-63.9%	38,9 k €	-60.3%	98,1 k €	-28.5%	137,2 k €	-15.5%	162,3 k €	+19.1%	136,3 k €
Total assets	298,2 k €	+12.4%	265,3 k €	-23.2%	345,4 k €	-1.6%	350,9 k €	+28.1%	274 k €	+13.1%	242,2 k €	+16.1%	208,6 k €	+10.1%	189,5 k €	+17.9%	160,7 k €	+69.3%	94,9 k €	+26.8%	74,8 k €	+46.4%	51,1 k €	+16.2%	44 k €	-24.0%	57,9 k €	-33.8%	87,4 k €	-39.5%	144,5 k €	-21.9%	185,1 k €	-13.1%	212,9 k €	+2.6%	207,4 k €
Cash	215,3 k €	+21.7%	176,9 k €	-39.2%	290,7 k €	-7.1%	312,7 k €	+35.0%	231,6 k €	+17.2%	197,7 k €	+19.8%	165 k €	+1.3%	162,8 k €	+42.4%	114,3 k €	+141%	47,5 k €	-5.4%	50,1 k €	+160%	19,3 k €	+2503%	741 €	+27.5%	581 €	+3.2%	563 €	-73.3%	2,1 k €	-83.6%	12,9 k €	-85.1%	86,2 k €	+5.9%	81,5 k €
Debts	44,4 k €	+67.3%	26,5 k €	-75.7%	109,1 k €	-1.4%	110,6 k €	+246%	32 k €	+75.4%	18,2 k €	+40.2%	13 k €	-5.4%	13,8 k €	-3.4%	14,2 k €	+122%	6,4 k €	-15.4%	7,6 k €	-16.3%	9,1 k €	-56.4%	20,8 k €	-50.8%	42,3 k €	-9.3%	46,7 k €	+4.4%	44,7 k €	-5.8%	47,4 k €	+1.3%	46,8 k €	-34.2%	71,1 k €
Other
Workforce	–		–		–		1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP		–		–		–		–		–		1,0 ETP	0.0%	1,0 ETP	-50.0%	2,0 ETP	0.0%	2,0 ETP	0.0%	2,0 ETP	0.0%	2,0 ETP	+900%	0,2 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 5 ended

Active mandates

Rebecca Segers

Director · since 26 mars 2019

Active

Daniel Segers

Director · since 23 juin 2005

Active

Ended mandates

Daniel Segers

Director

Ended

Daniel SEGERS

Manager

Ended

DANIEL SEGERS

Mandate

Ended

Rebecca Segers

Director

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro 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	30/08/2026	31/07/2025	02/08/2024	11/01/2024	01/12/2022	29/10/2021
General meeting	12/06/2026	13/06/2025	14/06/2024	09/06/2023	10/06/2022	11/06/2021
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
Micro model	31/12/2025	12/06/2026	30/08/2026	French	PDF
Micro model	31/12/2024	13/06/2025	31/07/2025	French	PDF
Micro model	31/12/2023	14/06/2024	02/08/2024	French	PDF
Abridged model	31/12/2022	09/06/2023	11/01/2024	French	PDF
Abridged model	31/12/2021	10/06/2022	01/12/2022	French	PDF
Abridged model	31/12/2020	11/06/2021	29/10/2021	French	PDF
Abridged model	31/12/2019	12/06/2020	25/07/2020	French	PDF
Abridged model	31/12/2018	14/06/2019	18/10/2019	French	PDF
Abridged model	31/12/2017	08/06/2018	16/07/2018	French	PDF
Abridged model	31/12/2016	09/06/2017	28/07/2017	French	PDF
Abridged model	31/12/2015	10/06/2016	06/01/2017	French	PDF
Abridged model	31/12/2014	12/06/2015	06/01/2017	French	PDF
Abridged model	31/12/2013	30/10/2014	05/01/2017	French	PDF
Abridged model	31/12/2012	14/06/2013	05/01/2017	French	PDF
Abridged model	31/12/2011	08/06/2012	05/01/2017	French	PDF
Abridged model	31/12/2010	10/06/2011	31/10/2011	French	PDF
Abridged model	31/12/2009	11/06/2010	04/02/2011	French	PDF
Abridged model	31/12/2008	13/06/2009	05/12/2009	French	PDF
Abridged model	31/12/2007	13/06/2008	24/11/2008	French	PDF
Abridged model	31/12/2006	08/06/2007	24/09/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 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 · 5 ended

Active mandates

Rebecca Segers

Director · since 26 mars 2019

Active

Daniel Segers

Director · since 23 juin 2005

Active

Ended mandates

Daniel Segers

Director

Ended

Daniel SEGERS

Manager

Ended

DANIEL SEGERS

Mandate

Ended

Rebecca Segers

Director

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Mandates14/04/2025
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Registered office18/07/2024
SIEGE SOCIAL
PDF
Mandates20/12/2023
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE - DENOMINATION - DEMISSIONS, NOMINATIONS
PDF
Mandates24/04/2019
ADRESSE AUTRE QUE SIEGE SOCIAL - CAPITAL, ACTIONS - DEMISSIONS, NOMINATIONS
PDF
Mandates06/08/2018
SIEGE SOCIAL - DEMISSIONS, NOMINATIONS
PDF
Capital / shares01/07/2016
CAPITAL, ACTIONS
PDF
Mandates07/02/2013
DEMISSIONS, NOMINATIONS
PDF
Mandates03/05/2010
DENOMINATION - STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, )
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 202530,6 k €↓
2024
Annual accounts 202439,7 k €↓
2023
Annual accounts 202345,3 k €↓
2023
Name changeRF ASSUR
2022
Annual accounts 202261,7 k €↑
2022
Name changeRFassurCrédit
2021
Annual accounts 202118,8 k €↓
2021
Name changePROFESSIONNEL DU CREDIT
2020
Annual accounts 202027,9 k €↑
2019
Annual accounts 201919 k €↓
2018
Annual accounts 201832,2 k €↓
2017
Annual accounts 201755,1 k €↓
2016
Annual accounts 201666 k €↑
2015
Annual accounts 201524,5 k €↑
2014
Annual accounts 201419,4 k €↑
2013
Annual accounts 20137,9 k €↑
2012
Annual accounts 2012-24,9 k €↑
2011
Annual accounts 2011-59,2 k €↓
2010
Annual accounts 2010-31,1 k €↓
2009
Annual accounts 2009-17,1 k €↓
2008
Annual accounts 20088,5 k €↓
2006
Annual accounts 200659,6 k €
27/06/2005
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

RFassurCrédit

Overview

What does RFassurCrédit do?

Trend over 19 financial years

Indicative valuation

Board of directors

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