IVD-Reno
ActiveIVD-Reno has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €-37k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 18% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
2
/ 100
Critical▼ -49 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency12▼-14
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.58 against 0.77 in 2024), and 85% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15%
Return on assets
-5.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 27407 sector peers (2025).
NBB · sector comparisonPosition among 27407 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
29 d late
2023
27 d late
2022
42 d late
2021
23 d late
2020
16 d late
2019
24 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▼ 28.3%
2024 · €132k
2018: €78k
2019: €87k
2020: €75k
2021: €77k
2022: €93k
2023: €100k
2024: €132k
2018 → 2025
Total assets
€632k▲ 7.0%
2024 · €591k
2018: €173k
2019: €208k
2020: €151k
2021: €170k
2022: €531k
2023: €671k
2024: €591k
2018 → 2025
Net result
€-37k
2024 · €32k
2018: €6k
2019: €9k
2020: €-13k
2021: €2k
2022: €15k
2023: €7k
2024: €32k
2018 → 2025
Working capital
€-79k▼ 205%
2024 · €-26k
2018: €49k
2019: €49k
2020: €31k
2021: €45k
2022: €-23k
2023: €-34k
2024: €-26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€93k▲ 19.9%€100k▲ 7.9%€132k▲ 31.9%€95k▼ 28.3%
Operating result€3k-€19k▲ 459%€14k▼ 25.3%€40k▲ 182%€-30k
Net result€2k-€15k▲ 519%€7k▼ 52.4%€32k▲ 336%€-37k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €30k after €40k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €632k
Fixed assets
€521k▲ 3.6%
Current assets
€111k▲ 26.3%
Equity and liabilities €632k
Equity
€95k▼ 28.3%
Debt
€537k▲ 17.2%
The debt ratio rises from 77.7% to 85.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-4k▼
2024 · €65k
Cash flow
€-12k▼
2024 · €57k
Solvency
15.0%▼
2024 · 22.3%
Current ratio
0.58▼
2024 · 0.77
Quick ratio
0.45▼
2024 · 0.59
Debt / equity
5.68▲
2024 · 3.48
ROE
-39.5%▼
2024 · 24.2%
ROA
-5.9%▼
2024 · 5.4%
Interest coverage
-0.53▼
2024 · 8.10
Debt
€537k▲
2024 · €459k
Debt ≤ 1 year
€190k▲
2024 · €114k
Debt > 1 year
€348k▲
2024 · €345k
Income taxes
€200▼
2024 · €261
Staff costs
€48k▼
2024 · €50k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€591k€632k▲
Fixed assets21/28€503k€521k▲
Intangible fixed assets21€5k€4k▼
Tangible fixed assets22/27€497k€517k▲
Land and buildings22€489k€475k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€1k€5k▲
Leasing and similar rights25-€31k
Current assets29/58€88k€111k▲
Stocks and contracts in progress3€20k€26k▲
Stocks30/36€8k€10k▲
Contracts in progress37€12k€16k▲
Amounts receivable within one year40/41€53k€75k▲
Trade receivables40€50k€64k▲
Other amounts receivable41€3k€11k▲
Cash at bank and in hand54/58€6k€5k▼
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€591k€632k▲
Equity10/15€132k€95k▼
Contributions10/11€20k€20k=
Reserves13€112k€75k▼
Distributable reserves133€112k€75k▼
Amounts payable17/49€459k€537k▲
Amounts payable after more than one year17€345k€348k▲
Financial debts170/4€245k€248k▲
Other amounts payable178/9€100k€100k=
Amounts payable within one year42/48€114k€190k▲
Current portion of amounts payable after more than one year42€22k€27k▲
Trade debts44€3k€51k▲
Suppliers440/4€3k€51k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€83k€105k▲
Income statement
Code20242025
Remuneration, social security and pensions62€50k€48k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€4k€7k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€119k€51k▼
Operating profit (loss)9901€40k€-30k▼
Financial income75/76B€290€0▼
Recurring financial income75€290€0▼
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€32k€-37k▼
Income taxes67/77€261€200▼
Profit (loss) for the period9904€32k€-37k▼
Profit (loss) for the period to be appropriated9905€32k€-37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€-37k▼
Transfer from equity791/2-€37k
Transfer to equity691/2€32k€0▼
To other reserves6921€32k€0▼
The notes to these accounts (11 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-37k ▼217%
Net result drops to €-37k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €32k ▲336%
Operating result €40k, net result €32k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €100kEq €100k ▲7.9%
3 profitable years in a row build equity to €100k.
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Rijkevorsel · 1 establishment unit since 2008
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.
Kievitsheide 772310 RijkevorselGround area
1.7 ha
Parcel 13502D0100/00R000, Flanders. Linked by address, not a title deed.
1 establishment unit
IVAN VAN DINGENEN
since 20082.172.271.745
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13502D0100/00R000 | Flanders | 1.7 ha | - | - |
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.
Similar companies · same sector, comparable size
Wood advice & service
BE 0825.762.186
Sint-Pieters-Leeuw · Eq €95k
Cedric Willen
BE 1006.535.148
Herzele · Eq €95k
Lempens Bouwwerken
BE 0837.934.203
Zonhoven · Eq €95k
DE VOGHT
BE 0476.435.492
Zandhoven · Eq €95k
TAFKO
BE 0776.383.347
Beringen · Eq €95k
Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 13,030 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.