Financials
Financial year 2025
RYAVEC ASSURANCES ET GESTIONS from Blégny, company number BE0437084275, closed financial year 2025 with a result of € 254,546 after tax. For that financial year RYAVEC ASSURANCES ET GESTIONS recorded a gross margin of € 757,069 and equity of € 216,079. Compared with financial year 2024, the result moved from € 196,761 to € 254,546. Profitable, and profit is growing. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 26, 2026.
€ 216,079
▼ 47% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 254,546
▲ 29% vs 2024
Profit after tax over the fiscal year.
€ 487,232
▲ 36% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 450,000 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
6.8
Average over the fiscal year, from the social balance sheet.
€ 263,908
▼ 23% vs 2024
€ 38,800 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 56,209
▼ 73% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 98,620
▼ 61% vs 2024
€ 39,304 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 37,315
▲ 283% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 60,968
▲ 6% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 592,681 | € 707,290 | € 761,033 | € 757,069 | ▼ 1% |
| Profit after taxes | € 50,168 | € 117,257 | € 196,761 | € 254,546 | ▲ 29% |
| Equity | € 288,521 | € 365,778 | € 411,533 | € 216,079 | ▼ 47% |
| Total debts | € 425,286 | € 461,791 | € 441,477 | € 646,902 | ▲ 47% |
| Cash | € 127,628 | € 220,561 | € 359,043 | € 487,232 | ▲ 36% |
| Retained profit | € 269,929 | € 345,327 | € 391,082 | € 195,628 | ▼ 50% |
| Dividend | € 30,000 | € 40,000 | € 151,007 | € 450,000 | ▲ 198% |
| Bank debt | € 296,687 | € 333,745 | € 255,056 | € 98,620 | ▼ 61% |
| Balance sheet total | € 713,807 | € 827,569 | € 853,010 | € 862,981 | ▲ 1% |
| Employees (FTE) | 6 | 5.7 | 6.8 | 6.8 |
Key figures of RYAVEC ASSURANCES ET GESTIONS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to RYAVEC ASSURANCES ET GESTIONS?
What happened at RYAVEC ASSURANCES ET GESTIONS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 254,546 (▲ 29% vs 2024). filed late Source: NBB ↗
- RRS CONSEILS SRL became a director. NBB
- New establishment in Blégny. KBO
- Start of the company according to the CBE. KBO
In short
From € 50,168 profit in 2022 to € 254,546 profit in 2025.
Paid € 251,182 in corporate taxes since 2022.
Best year ever: 2025, with € 254,546 profit.
On average € 111,300 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind RYAVEC ASSURANCES ET GESTIONS is RRS CONSEILS SRL. The shares are held by RRS CONSEILS SRL (99.3%) and JEAN-YVES RYAVEC (0.7%).
Directors
According to the 2025 annual accounts
Manager · represented by JEAN-YVES RYAVEC
since 2011
Shareholders
99.3%
JEAN-YVES RYAVEC
0.7%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue de la Station 44
4670 Blégny
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
ESI-INFORMATIQUE-AS, BE
DNS
OVH DNS
Website info
Features
Security
Details
- Company number
- 0437.084.275
- VAT number
- BE 0437.084.275
- Registered office
- Rue de la Station 44, 4670 Blégny
- Names & denominations
- RYAVEC ASSURANCES ET GESTIONS
- Enterprise type
- Rechtspersoon
- Legal form
- Cooperative company
- Legal situation
- Normale toestand
- Start date
- 1 April 1989
- Peppol
- Active · Active since 26 Aug 2026
- Contact
- ryavec.be +32 4 387 45 41