Financials
Financial year 2025
R&F CONSULT from Denderleeuw, company number BE0638935832, closed financial year 2025 with a result of € 28,637 after tax. For that financial year R&F CONSULT recorded a gross margin of € 345,390 and equity of € 66,892. Compared with financial year 2024, the result moved from € 40,991 to € 28,637. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 26, 2026.
€ 66,892
▲ 15% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 28,637
▼ 30% vs 2024
Profit after tax over the fiscal year.
€ 138,319
▼ 39% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 20,000 paid out
70 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 136,596
▲ 93% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 588
▼ 58% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.2 million
▲ 31% vs 2024
€ 129,238 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 17,960
▲ 229% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 15,276
▼ 21% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 246,234 | € 261,999 | € 283,781 | € 345,390 | ▲ 22% |
| Profit after taxes | € -29,198 | € -2,048 | € 40,991 | € 28,637 | ▼ 30% |
| Equity | € 19,312 | € 17,264 | € 58,255 | € 66,892 | ▲ 15% |
| Total debts | € 1,108,246 | € 1,024,773 | € 927,184 | € 1,214,869 | ▲ 31% |
| Cash | € 120,335 | € 157,224 | € 227,946 | € 138,319 | ▼ 39% |
| Land & buildings | € 489,630 | € 469,368 | € 449,105 | € 428,843 | ▼ 5% |
| Retained profit | € 12,912 | € 10,864 | € 51,855 | € 60,492 | ▲ 17% |
| Dividend | € 0 | € 0 | € 0 | € 20,000 | |
| Bank debt | € 1,090,433 | € 995,260 | € 896,154 | € 1,175,545 | ▲ 31% |
| Balance sheet total | € 1,127,558 | € 1,042,036 | € 985,439 | € 1,281,761 | ▲ 30% |
Key figures of R&F CONSULT, 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 R&F CONSULT?
What happened at R&F CONSULT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 28,637 (▼ 30% vs 2024). Source: NBB ↗
- New establishment in Roosdaal. KBO
- New establishment in Ninove. KBO
- New establishment in Denderleeuw. KBO
- Start of the company according to the CBE. KBO
- Rebecca De Pauw became a director. NBB
- Françoise van der Wijk became a director. NBB
In short
From € 29,198 loss in 2022 to € 28,637 profit in 2025.
Paid € 50,174 in corporate taxes since 2022.
Best year ever: 2024, with € 40,991 profit.
Paid out € 20,000 in dividends to the owners in total.
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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 R&F CONSULT are Rebecca De Pauw and Françoise van der Wijk.
Directors
According to the 2025 annual accounts
Rebecca De Pauw
Director
since 2015
Françoise van der Wijk
Director
since 2015
Establishments
Establishment units
Physical locations of this company
Middenstraat 44 box a
9470 Denderleeuw
Brakelsesteenweg 167
9406 Ninove
Active since 1 January 2020
Omer De Vidtslaan 69 box b
1760 Roosdaal
Active since 29 April 2026
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0638.935.832
- VAT number
- BE 0638.935.832
- Registered office
- Middenstraat 44 bus a, 9470 Denderleeuw
- Names & denominations
- R&F CONSULT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 September 2015
- Peppol
- Active · Active since 1 Oct 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars