Frederik Renders

Active

Private limited companyfounded 20232 yrs activeLeopoldlaan 48, 9300 Aalst, BelgiumKBO/BCE: BE 1003.785.395

Summary

Frederik Renders has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €31k. Its solvency ranks better than 55% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2025

90 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency87▲+18

Growth52

Track record82

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 2.37 against 1.57 in 2024; short-term debt: 38% and cash: 77.3% of total assets), and 38.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

61.6%

Return on assets

32.4%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-12-2025, 122 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

122 d early

2024

155 d early

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

24-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€58k▲ 75.7%

2024 · €33k

2024: €33k

2024 → 2025

Total assets

€94k▲ 25.0%

2024 · €75k

2024: €75k

2024 → 2025

Net result

€31k▼ 4.0%

2024 · €32k

2024: €32k

2024 → 2025

Working capital

€49k▲ 115%

2024 · €23k

2024: €23k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€33k-€58k▲ 75.7%

Operating result€45k-€42k▼ 8.0%

Net result€32k-€31k▼ 4.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 8% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €94k

10%

89.9%

Fixed assets €9k ▼ 23.6%

Current assets €85k ▲ 34.6%

Equity and liabilities €94k

61.6%

38.4%

Equity €58k ▲ 75.7%

Debt €36k ▼ 14.5%

Debt's share of the balance-sheet total falls from 56.1% to 38.4%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€45k▼

2024 · €50k

Cash flow

€33k▼

2024 · €36k

Current ratio

2.37▲

2024 · 1.57

Debt to equity

0.62▼

2024 · 1.28

ROE

52.6%▼

2024 · 96.4%

ROA

32.4%▼

2024 · 42.3%

Interest coverage

143.97▼

2024 · 258.75

Debt ≤ 1 year

€36k▼

2024 · €40k

Debt > 1 year

€0▼

2024 · €2k

Income taxes

€11k▼

2024 · €13k

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 · 47 lines

Balance sheet Code20242025

Assets

Total assets20/58€75k€94k▲

Fixed assets21/28€12k€9k▼

Intangible fixed assets21€4k€3k▼

Tangible fixed assets22/27€8k€6k▼

Plant, machinery and equipment23€5k€4k▼

Furniture and vehicles24€4k€3k▼

Current assets29/58€63k€85k▲

Amounts receivable within one year40/41€25k€11k▼

Trade receivables40€25k€11k▼

Cash at bank and in hand54/58€36k€73k▲

Deferred charges and accrued income490/1€1k€1k▼

Equity and liabilities

Total equity and liabilities10/49€75k€94k▲

Equity10/15€33k€58k▲

Contributions10/11€2k€2k=

Reserves13€31k€56k▲

Distributable reserves133€31k€56k▲

Profit (loss) carried forward14€0€0=

Amounts payable17/49€42k€36k▼

Amounts payable after more than one year17€2k€0▼

Financial debts170/4€2k€0▼

Amounts payable within one year42/48€40k€36k▼

Current portion of amounts payable after more than one year42€2k€2k▲

Trade debts44€4k€3k▼

Suppliers440/4€4k€3k▼

Taxes, remuneration and social security45€26k€17k▼

Taxes450/3€22k€17k▼

Remuneration and social security454/9€4k€0▼

Other amounts payable47/48€9k€14k▲

Accrued charges and deferred income492/3€384€380▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼

Other operating charges640/8€1k€1k▲

Gross operating margin9900€51k€46k▼

Operating profit (loss)9901€45k€42k▼

Financial income75/76B€0€8▲

Recurring financial income75€0€8▲

Financial charges65/66B€194€311▲

Recurring financial charges65€194€311▲

Profit (loss) for the period before taxes9903€45k€41k▼

Income taxes67/77€13k€11k▼

Profit (loss) for the period9904€32k€31k▼

Profit (loss) for the period to be appropriated9905€32k€31k▼

Appropriation of the result

Profit (loss) to be appropriated9906€32k€31k▼

Transfer to equity691/2€31k€25k▼

To other reserves6921€31k€25k▼

Profit to be distributed694/7€800€6k▲

Return on contributions (dividend)694€800€0▼

Directors or managers695-€6k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 30-04-2027

2025

29-12

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

26-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Aalst · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Leopoldlaan 489300 Aalst

Ground area

1,461 m²

Building footprint

714 m²

Volume, LiDAR

7,512 m³

Parcel 41303E0476/00T004, Flanders · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Frederik Renders

Leopoldlaan 48, 9300 AalstActivities of lawyers

since 20232.354.007.381

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41303E0476/00T004	Flanders	1,461 m²	1 · 714 m²	14.3 m · 3 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

2024 to 2025 · 2 entries · 547 EUR awarded · 547 EUR paid

Year	Entries	awarded	paid
2025	1	252 EUR	252 EUR
2024	1	295 EUR	295 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 547 EUR · 547 EUR paid · Fonds voor Innoveren en Ondernemen

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Dilsen-Stokkem · Eq €58,054

Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,313 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

Founded21-12-2023

Fiscal year end30-09

Activities, NACEBEL 2025

69101Activities of lawyers

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.