Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
16 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
R.G.F.ADVICES from Chaudfontaine, company number BE0871765031, closed financial year 2025 with a result of € -64,724 after tax. For that financial year R.G.F.ADVICES recorded a gross margin of € 1.4 million and equity of € 1.1 million. Compared with financial year 2024, the result moved from € -27,110 to € -64,724. The company made a loss. 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 June 29, 2026.
€ 1.1 million
▼ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -64,724
▼ 139 % more loss than in 2024
Profit after tax over the fiscal year.
€ 87,817
▲ 39% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 1 million.
People and assets in 2025
8.9
▼ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 594,575
€ 66,800 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.
€ 109,223
▼ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 229,134
▼ 34% vs 2024
€ 87,129 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 258,217
▲ € 201,472 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 346,081
▼ 22% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 641,095 | € 845,670 | € 1,288,045 | € 1,385,648 | ▲ 8% |
| Profit after taxes | € 213,027 | € 320,070 | € -27,110 | € -64,724 | ▼ € 37,614 |
| Equity | € 858,142 | € 1,178,212 | € 1,151,102 | € 1,086,378 | ▼ 6% |
| Total debts | € 386,420 | € 2,896,448 | € 2,679,683 | € 7,280,241 | ▲ 172% |
| Cash | € 299,796 | € 100,732 | € 63,195 | € 87,817 | ▲ 39% |
| Retained profit | € 772,042 | € 1,092,112 | € 1,065,002 | € 1,000,278 | ▼ 6% |
| Bank debt | € 202,278 | € 155,249 | € 345,222 | € 229,134 | ▼ 34% |
| Balance sheet total | € 1,316,345 | € 4,134,834 | € 3,879,349 | € 8,403,574 | ▲ 117% |
| Employees (FTE) | 3.9 | 3.9 | 9.1 | 8.9 | ▼ 0.2 |
Key figures of R.G.F.ADVICES, 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.G.F.ADVICES?
What happened at R.G.F.ADVICES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 64,724. Source: NBB ↗
- DESIRE GODFROID became a director. NBB
- New establishment in Chaudfontaine. KBO
- New establishment in Verviers. KBO
- New establishment in Chaudfontaine. KBO
- New establishment in Brussel. KBO
- New establishment in Jette. KBO
- New establishment in Marche-en-Famenne. KBO
In short
From € 213,027 profit in 2022 to € 64,724 loss in 2025.
Paid € 482,123 in corporate taxes since 2022.
Best year ever: 2023, with € 320,070 profit.
On average € 155,700 of value added per employee in 2025.
A new publication or filing at R.G.F.ADVICES? We notify you, reason included.
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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. HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
R.G.F.ADVICESBehind R.G.F.ADVICES are SRL R.G.F. HOLDING, DESIRE GODFROID and JEAN CHRISTOPHE CLOSE. The shares are held by R.G.F. HOLDING (100%). It owns 100% of SD PATRIMOINE, 100% of Armoni Financial Architects and 100% of Armoni Financial Services itself.
Directors
According to the 2025 annual accounts
Director · represented by Raoul GAUTHIER
since 2022
since 2024
JEAN CHRISTOPHE CLOSE
Managing director
since 2018
Shareholders
100%
Participations
Establishments
Establishment units
Physical locations of this company
Sentier du Lièvre 95
4053 Chaudfontaine
Rue Toussaint Gerkens 59
4052 Chaudfontaine
Active since 4 February 2005
Avenue Cardinal Mercier 46
5000 Namur
Active since 4 February 2005
Voie de l'Air Pur 232
4052 Chaudfontaine
Active since 1 January 2024
Avenue du Chêne 146
4802 Verviers
Active since 1 January 2024
Voie de l'Ardenne 173
4053 Chaudfontaine
Active since 1 January 2024
Munsterstraat 42
1000 Brussel
Active since 1 January 2024
Jetse Laan 165 box 1
1090 Jette
Active since 1 January 2024
Marche, Chaussée de Liège 22
6900 Marche-en-Famenne
Active since 1 January 2024
Rue du Commerce 29
5590 Ciney
Active since 1 January 2024
Chaussée de Louvain 468
1380 Lasne
Active since 1 January 2024
Faubourg de Bruxelles 201 box A
6041 Charleroi
Active since 1 January 2024
Au Chession 3 box 1
4053 Chaudfontaine
Active since 1 January 2024
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
€ 4.2 million gross margin · 2025
CLOES CONSULT
€ 138,464 gross margin · 2026
R.G.F. LOANS
€ 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
- 0871.765.031
- VAT number
- BE 0871.765.031
- Registered office
- Sentier du Lièvre 95, 4053 Chaudfontaine
- Names & denominations
- R.G.F.ADVICES · J-C CLOSE - FS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 February 2005
- Peppol
- Active · Active since 17 Nov 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Agenten en makelaars in bankdiensten