What is the address of R&B FINANCE?

The registered office of R&B FINANCE is located at Rue Saint-Gangulphe 12, 5620 Florennes.

Is R&B FINANCE still active?

Yes. According to the CBE (30 October 2026) R&B FINANCE is active, legal situation “Normale toestand”, started on 5 September 2003.

Is R&B FINANCE registered on Peppol?

Yes, R&B FINANCE is registered on the Peppol network with ID 0208:0860376736.

What is the enterprise number of R&B FINANCE?

The enterprise number of R&B FINANCE is BE0860376736.

When was R&B FINANCE founded?

R&B FINANCE was founded on 5 September 2003.

Is R&B FINANCE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 5 September 2003; 4 annual accounts filed, latest fiscal year 2025; 6 directors known from the annual account.

How much profit did R&B FINANCE make in 2025?

R&B FINANCE posted a profit after taxes of € 384,145 in financial year 2025.

What is the revenue of R&B FINANCE?

As a small company, R&B FINANCE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 780,597.

How much does an employee at R&B FINANCE earn?

The average wage cost per full-time employee at R&B FINANCE was € 59,400 in 2025: staff costs of € 296,836 for 5 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does R&B FINANCE have?

According to the 2025 annual accounts, R&B FINANCE has 5 full-time equivalents (FTE).

R&B FINANCE (Private Limited) - Florennes - BE0860376736

Q: What does R&B FINANCE do?

R&B FINANCE is filed with the CBE under the catch-all “Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen”, a code that says little about what the company actually does. Private Limited, started on 5 September 2003, 1 establishment.

Q: Who are the directors of R&B FINANCE?

According to the 2025 annual accounts, the directors of R&B FINANCE are: CARINE BRUYR, DANIEL MIGEOTTE , JEAN-PAUL DETRAIT, GROUPE RUYSSEN-BOCCART, 2B FINANCE, CIDIMMO.

Dossier R&B FINANCE, printed on 30 October 2026 from databakkes.be/en/0860376736/r-b-finance. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Tight liquidity NBB

Cash and receivables cover 59 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

R&B FINANCE from Florennes, company number BE0860376736, closed financial year 2025 with a result of € 384,145 after tax. For that financial year R&B FINANCE recorded a gross margin of € 780,597 and equity of € 46,055. Compared with financial year 2024, the result moved from € 341,234 to € 384,145. Profitable, and profit is growing. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 5, 2026.

What it is worth Healthy

€ 46,055

▼ 32% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 384,145

▲ 13% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 382,565

▼ 9% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 377,000 paid out

98 % of the profit went to the shareholders, mostly to GROUPE RUYSSEN-BOCCART (100 % of the shares). That is where the money ends up.

People and assets in 2025

Full-time equivalents

▲ 1 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 296,836

▲ 15% vs 2024

€ 59,400 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.

Vehicles and equipment

€ 136,346

▲ 23% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 602,903

▲ € 494,683 vs 2024

€ 145,746 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 114,399

▲ 151% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 75,988

▲ 118% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 539,383 Gross margin 2022: € 539,383 First fiscal year in the series	€ 640,827 Gross margin 2023: € 640,827 ▲ 19% vs 2022 (€ 539,383) Favourable step	€ 681,351 Gross margin 2024: € 681,351 ▲ 6% vs 2023 (€ 640,827) Favourable step	€ 780,597 Gross margin 2025: € 780,597 ▲ 15% vs 2024 (€ 681,351) Favourable step	▲ 15%
Profit after taxes	€ 179,827 Profit after taxes 2022: € 179,827 First fiscal year in the series	€ 351,172 Profit after taxes 2023: € 351,172 ▲ 95% vs 2022 (€ 179,827) Favourable step	€ 341,234 Profit after taxes 2024: € 341,234 ▼ 3% vs 2023 (€ 351,172) Unfavourable step	€ 384,145 Profit after taxes 2025: € 384,145 ▲ 13% vs 2024 (€ 341,234) Favourable step	▲ 13%
Equity	€ 171,478 Equity 2022: € 171,478 First fiscal year in the series	€ 154,300 Equity 2023: € 154,300 ▼ 10% vs 2022 (€ 171,478) Unfavourable step	€ 67,951 Equity 2024: € 67,951 ▼ 56% vs 2023 (€ 154,300) Unfavourable step	€ 46,055 Equity 2025: € 46,055 ▼ 32% vs 2024 (€ 67,951) Unfavourable step	▼ 32%
Total debts	€ 343,810 Total debts 2022: € 343,810 First fiscal year in the series	€ 658,398 Total debts 2023: € 658,398 ▲ 92% vs 2022 (€ 343,810) Unfavourable step	€ 616,240 Total debts 2024: € 616,240 ▼ 6% vs 2023 (€ 658,398) Favourable step	€ 1,199,331 Total debts 2025: € 1,199,331 ▲ 95% vs 2024 (€ 616,240) Unfavourable step	▲ 95%
Cash	€ 322,145 Cash 2022: € 322,145 First fiscal year in the series	€ 400,949 Cash 2023: € 400,949 ▲ 24% vs 2022 (€ 322,145) Favourable step	€ 418,592 Cash 2024: € 418,592 ▲ 4% vs 2023 (€ 400,949) Favourable step	€ 382,565 Cash 2025: € 382,565 ▼ 9% vs 2024 (€ 418,592) Unfavourable step	▼ 9%
Land & buildings	€ 1,168 Land & buildings 2022: € 1,168 First fiscal year in the series	€ 450 Land & buildings 2023: € 450 ▼ 61% vs 2022 (€ 1,168) Unchanged	€ 225 Land & buildings 2024: € 225 ▼ 50% vs 2023 (€ 450) Unchanged	€ 0 Land & buildings 2025: € 0 ▼ 100% vs 2024 (€ 225) Unchanged	▼ 100%
Retained profit	€ 165,278 Retained profit 2022: € 165,278 First fiscal year in the series	€ 148,100 Retained profit 2023: € 148,100 ▼ 10% vs 2022 (€ 165,278) Unfavourable step	€ 59,871 Retained profit 2024: € 59,871 ▼ 60% vs 2023 (€ 148,100) Unfavourable step	€ 37,975 Retained profit 2025: € 37,975 ▼ 37% vs 2024 (€ 59,871) Unfavourable step	▼ 37%
Dividend	€ 100,000 Dividend 2022: € 100,000 First fiscal year in the series	€ 360,000 Dividend 2023: € 360,000 ▲ 260% vs 2022 (€ 100,000) Unchanged	€ 418,000 Dividend 2024: € 418,000 ▲ 16% vs 2023 (€ 360,000) Unchanged	€ 377,000 Dividend 2025: € 377,000 ▼ 10% vs 2024 (€ 418,000) Unchanged	▼ 10%
Bank debt	€ 99,176 Bank debt 2022: € 99,176 First fiscal year in the series	€ 204,505 Bank debt 2023: € 204,505 ▲ 106% vs 2022 (€ 99,176) Unfavourable step	€ 108,220 Bank debt 2024: € 108,220 ▼ 47% vs 2023 (€ 204,505) Favourable step	€ 602,903 Bank debt 2025: € 602,903 ▲ € 494,683 vs 2024 (€ 108,220) Unfavourable step	▲ € 494,683
Balance sheet total	€ 515,288 Balance sheet total 2022: € 515,288 First fiscal year in the series	€ 812,698 Balance sheet total 2023: € 812,698 ▲ 58% vs 2022 (€ 515,288) Unchanged	€ 684,190 Balance sheet total 2024: € 684,190 ▼ 16% vs 2023 (€ 812,698) Unchanged	€ 1,245,386 Balance sheet total 2025: € 1,245,386 ▲ 82% vs 2024 (€ 684,190) Unchanged	▲ 82%
Employees (FTE)	5 Employees (FTE) 2022: 5 First fiscal year in the series	5 Employees (FTE) 2023: 5 Unchanged (5) Unchanged	4 Employees (FTE) 2024: 4 ▼ 1 vs 2023 (5) Unchanged	5 Employees (FTE) 2025: 5 ▲ 1 vs 2024 (4) Unchanged	▲ 1

Key figures of R&B FINANCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.

What happened to R&B FINANCE?

What happened at R&B FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jan 5, 2026 New annual accounts for financial year 2025: profit of € 384,145 (▲ 13% vs 2024). Source: NBB ↗
2025 CARINE BRUYR became a director. NBB
2025 DANIEL MIGEOTTE became a director. NBB
2024 JEAN-PAUL DETRAIT became a director. NBB
2023 GROUPE RUYSSEN-BOCCART became a director. NBB
2012 2B FINANCE became a director. NBB
2011 CIDIMMO became a director. NBB
Oct 1, 2003 New establishment in Florennes. KBO

In short

From € 179,827 profit in 2022 to € 384,145 profit in 2025.

Paid € 87,861 in corporate taxes since 2022.

Best year ever: 2025, with € 384,145 profit.

On average € 156,100 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

GROUPE RUYSSEN-BOCCART 100%

The stake of GROUPE RUYSSEN-BOCCART comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

R&B FINANCE

Behind R&B FINANCE are CARINE BRUYR, DANIEL MIGEOTTE , JEAN-PAUL DETRAIT, GROUPE RUYSSEN-BOCCART, 2B FINANCE and CIDIMMO. The shares are held by GROUPE RUYSSEN-BOCCART (100%).

Directors

According to the 2025 annual accounts

CARINE BRUYR

Director

since 2025

DANIEL MIGEOTTE

Director

since 2025

JEAN-PAUL DETRAIT

Director

since 2024

GROUPE RUYSSEN-BOCCART

Director · represented by Olivier RUYSSEN

since 2023

2B FINANCE

Director · represented by Benjamin BLAVIER

since 2012

CIDIMMO

Director · represented by Jean-Marc BOCCART

since 2011

Shareholders

GROUPE RUYSSEN-BOCCART

100%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue Saint-Gangulphe 12

5620 Florennes

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 →

GROUPE RUYSSEN-BOCCART same network

€ 1.6 million gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0860.376.736

VAT number

BE 0860.376.736

Registered office

Rue Saint-Gangulphe 12, 5620 Florennes

Names & denominations

R&B FINANCE

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

5 September 2003

Peppol

Active · Active since 24 Nov 2025

Activities · NACE

Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen

Ondersteunende activiteiten i.v.m. financiële instellingen, n.e.g.

Activiteiten van gemengde verzekeringsondernemingen, overwegend leven

Gemengde verzekeringsentiteiten, overwegend leven

View on CBE Public ↗ Annual accounts (NBB) ↗

R&B FINANCE

Warning lights

Financials

What happened to R&B FINANCE?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions