Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Board fully replaced NBB
No director from three years ago is still active according to annual account 2025.
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Busy address KBO
16 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
Armoni Financial Architects from Chaudfontaine, company number BE0670433118, closed financial year 2025 with a result of € 48,884 after tax. For that financial year Armoni Financial Architects recorded a gross margin of € 299,193 and equity of € 36,849. Compared with financial year 2024, the result moved from € -44,851 to € 48,884. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ 36,849
▲ € 48,884 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 48,884
▲ still € 44,851 loss in 2024
Profit after tax over the fiscal year.
€ 68,847
▲ 143% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 18,243.
People and assets in 2025
1.7
Average over the fiscal year, from the social balance sheet.
€ 220,607
▲ 20% vs 2024
€ 129,800 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.
€ 16,160
▼ 39% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 15,306
▼ 36% vs 2024
€ 6,141 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 14,057
▼ 16% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 42,052
▲ 59% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 313,490 | € 145,443 | € 157,319 | € 299,193 | ▲ 90% |
| Profit after taxes | € 150,130 | € -50,723 | € -44,851 | € 48,884 | ▲ € 93,735 |
| Equity | € 71,135 | € 32,816 | € -12,035 | € 36,849 | ▲ € 48,884 |
| Total debts | € 85,508 | € 118,962 | € 161,049 | € 71,523 | ▼ 56% |
| Cash | € 119,816 | € 10,042 | € 28,282 | € 68,847 | ▲ 143% |
| Land & buildings | € 1,183 | € 818 | € 454 | € 114 | ▼ 75% |
| Retained profit | € 64,933 | € 14,210 | € -30,641 | € 18,243 | ▲ € 48,884 |
| Dividend | € 17,720 | € 0 | € 0 | € 0 | |
| Bank debt | € 0 | € 37,912 | € 24,036 | € 15,306 | ▼ 36% |
| Balance sheet total | € 156,643 | € 151,779 | € 149,014 | € 108,372 | ▼ 27% |
| Employees (FTE) | - | - | - | 1.7 |
Key figures of Armoni Financial Architects, 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 Armoni Financial Architects?
What happened at Armoni Financial Architects in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 48,884. Source: NBB ↗
- Jean-Christophe CLOSE became a director. NBB
- RGF Holding became a director. NBB
- Désiré GODFROID became a director. NBB
- Renaud Daloze stepped down as director. NBB
- Benoit Jacobs stepped down as director. NBB
- Julien Boland stepped down as director. NBB
- Gilles Verkaeren stepped down as director. NBB
In short
From € 150,130 profit in 2022 to € 48,884 profit in 2025.
Paid € 60,233 in corporate taxes since 2022.
Best year ever: 2022, with € 150,130 profit.
On average € 176,000 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
The stake of R.G.F.ADVICES comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Armoni Financial ArchitectsBehind Armoni Financial Architects are Jean-Christophe CLOSE, RGF Holding and Désiré GODFROID. The shares are held by R.G.F.ADVICES (100%).
Directors
According to the 2025 annual accounts
Jean-Christophe CLOSE
Director
Also active at: R.G.F. INSURANCES, SD Patrimoine, RGF Financial Services
since 2025
Director · represented by Raoul GAUTHIER
Also active at: PATRIMONIA, R.G.F. INSURANCES, NEW WHAT'S UP DOC, R.G.F. LOANS, SD Patrimoine, PATRIMONIA FINANCE, Armoni Financial Services, SOCIETE LOUHAUT +6 more
since 2025
since 2025
Renaud Daloze
Managing director
since 2022 · until 2025
since 2022 · until 2025
since 2022 · until 2025
since 2022 · until 2025
since 2022 · until 2025
since 2022 · until 2025
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Sentier du Lièvre 95
4053 Chaudfontaine
Chaussée de Louvain 468
1380 Lasne
Active since 26 January 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 16 companies are registered at this address.
All companies at this address →R.G.F. IMMO
€ 829,370 gross margin · 2024
R.G.F. INSURANCES same network
€ 4.2 million gross margin · 2025
CLOES CONSULT
€ 138,464 gross margin · 2026
R.G.F. LOANS same network
€ 1.8 million gross margin · 2025
RG UNITE TVA
+11 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0670.433.118
- VAT number
- BE 0670.433.118
- Registered office
- Sentier du Lièvre 95, 4053 Chaudfontaine
- Names & denominations
- Armoni Financial Architects
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 January 2017
- Peppol
- Active · Active since 3 Mar 2026
- Activities · NACE
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Activiteiten van verzekeringsagenten en -makelaars
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
Overige fiscale dienstverlening
Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Accountants en belastingconsulenten