D-Reno
ActiveSummary
The computed 12-month bankruptcy probability of D-Reno is 1.9% (moderate). The 2025 annual accounts show equity of €227k and a net result of €80k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 7777 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-7
Solvency47▼-16
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.57 against 1.57 in 2024; short-term debt: 39% and cash: 2.7% of total assets), and 78.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
21.8%
Return on assets
7.7%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7777 sector peers (2025).
NBB · sector comparisonPosition among 7777 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
23 d early
2023
40 d early
2022
40 d early
2021
4 d early
2020
1 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€227k▼ 15.8%
2024 · €269k
2020: €49k
2021: €100k
2022: €123k
2023: €180k
2024: €269k
2020 → 2025
Total assets
€1.04M▲ 47.6%
2024 · €706k
2020: €88k
2021: €229k
2022: €247k
2023: €496k
2024: €706k
2020 → 2025
Net result
€80k▼ 10.8%
2024 · €90k
2020: €50k
2021: €53k
2022: €23k
2023: €58k
2024: €90k
2020 → 2025
Working capital
€-174k
2024 · €59k
2020: €38k
2021: €58k
2022: €56k
2023: €62k
2024: €59k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€123k▲ 22.6%€180k▲ 46.3%€269k▲ 50.0%€227k▼ 15.8%
Operating result€66k-€33k▼ 50.5%€85k▲ 161%€132k▲ 55.1%€125k▼ 5.2%
Net result€53k-€23k▼ 55.5%€58k▲ 146%€90k▲ 55.8%€80k▼ 10.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€810k ▲ 49.6%
Current assets
€232k ▲ 40.8%
Equity and liabilities €1.04M
Equity
€227k ▼ 15.8%
Debt
€815k ▲ 86.7%
Debt's share of the balance-sheet total rises from 61.9% to 78.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€247k▲
2024 · €174k
Cash flow
€202k▲
2024 · €131k
Current ratio
0.57▼
2024 · 1.57
Debt to equity
3.59▲
2024 · 1.62
ROE
35.3%▲
2024 · 33.3%
ROA
7.7%▼
2024 · 12.7%
Interest coverage
7.53▼
2024 · 14.98
Debt ≤ 1 year
€406k▲
2024 · €105k
Debt > 1 year
€409k▲
2024 · €332k
Income taxes
€17k▼
2024 · €36k
Staff costs
€255k▲
2024 · €105k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€706k€1.04M▲
Fixed assets21/28€542k€810k▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€539k€808k▲
Land and buildings22€285k€355k▲
Plant, machinery and equipment23€40k€58k▲
Furniture and vehicles24€103k€86k▼
Leasing and similar rights25€102k€309k▲
Other tangible fixed assets26€9k€0▼
Financial fixed assets28€135€135=
Current assets29/58€165k€232k▲
Stocks and contracts in progress3€24k€0▼
Contracts in progress37€24k€0▼
Amounts receivable within one year40/41€80k€177k▲
Trade receivables40€38k€68k▲
Other amounts receivable41€42k€109k▲
Current investments50/53€0-
Cash at bank and in hand54/58€55k€29k▼
Deferred charges and accrued income490/1€6k€27k▲
Equity and liabilities
Total equity and liabilities10/49€706k€1.04M▲
Equity10/15€269k€227k▼
Contributions10/11€100€100=
Reserves13€269k€147k▼
Distributable reserves133€269k€147k▼
Profit (loss) carried forward14€0€80k▲
Amounts payable17/49€437k€815k▲
Amounts payable after more than one year17€332k€409k▲
Financial debts170/4€332k€409k▲
Amounts payable within one year42/48€105k€406k▲
Current portion of amounts payable after more than one year42€42k€121k▲
Trade debts44€52k€196k▲
Suppliers440/4€52k€196k▲
Taxes, remuneration and social security45€11k€31k▲
Taxes450/3€4k€24k▲
Remuneration and social security454/9€7k€7k▼
Other amounts payable47/48€0€58k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€105k€255k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€122k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€284k€509k▲
Operating profit (loss)9901€132k€125k▼
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€12k€33k▲
Recurring financial charges65€12k€33k▲
Profit (loss) for the period before taxes9903€125k€97k▼
Income taxes67/77€36k€17k▼
Profit (loss) for the period9904€90k€80k▼
Profit (loss) for the period to be appropriated9905€90k€80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€80k▼
Transfer from equity791/2-€123k
Transfer to equity691/2€90k€0▼
To other reserves6921€90k€0▼
Profit to be distributed694/7€0€123k▲
Return on contributions (dividend)694€0€123k▲
The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2020net €90k ▲55.8%
Operating result €132k, net result €90k, both a record.
30-06
Financial
Equity above €200kEq €269k ▲50%
5 profitable years in a row build equity to €269k.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Equity above €150kEq €180k ▲46.3%
4 profitable years in a row build equity to €180k.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €23k ▼55.5%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €100k ▲104%
2 profitable years in a row build equity to €100k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Pajottegem · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Oude Steenweg 191540 PajottegemGround area
846 m²
Building footprint
695 m²
Volume, LiDAR
3,724 m³
Parcel 23032I0549/00M002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
D-Reno
since 20192.293.542.036
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23032I0549/00M002 | Flanders | 846 m² | 1 · 695 m² | 11.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 19,196 EUR awarded · 19,196 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,925 EUR | 4,925 EUR |
| 2024 | 1 | 4,020 EUR | 4,020 EUR |
| 2023 | 1 | 2,751 EUR | 2,751 EUR |
| 2022 | 1 | 7,500 EUR | 7,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,538 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-09-2019
Fiscal year end30-06
Activities, NACEBEL 2025
43410Roofing work
43350Other building finishing work
62200Computer consultancy and computer facilities management
71112Activities of interior architects
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:d-reno@outlook.com