Moderne Renovation
ActiveSummary
The computed 12-month bankruptcy probability of Moderne Renovation is 1.6% (moderate). The 2025 annual accounts show equity of €10k and a net result of €-3k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 72% of 27786 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-84
Solvency92▼-8
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice 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 · 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 · 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
67.5%
Return on assets
-21.3%
Age of the figures
9 mo
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 05-07-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
57 d late
2023
48 d late
2022
60 d late
2021
17 d late
2020
53 d late
2019
89 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 24.0%
2024 · €13k
2018: €12k
2019: €11k
2020: €11k
2021: €12k
2022: €12k
2023: €11k
2024: €13k
2018 → 2025
Total assets
€14k▼ 2.8%
2024 · €15k
2018: €35k
2019: €27k
2020: €26k
2021: €30k
2022: €20k
2023: €20k
2024: €15k
2018 → 2025
Net result
€-3k
2024 · €2k
2018: €534
2019: €-1k
2020: €216
2021: €620
2022: €535
2023: €-1k
2024: €2k
2018 → 2025
Working capital
€10k▼ 24.0%
2024 · €13k
2018: €5k
2019: €11k
2020: €8k
2021: €6k
2022: €9k
2023: €11k
2024: €13k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€12k▲ 4.6%€11k▼ 12.0%€13k▲ 16.9%€10k▼ 24.0%
Operating result€2k-€755▼ 57.4%€-991€4k€-2k
Net result€620-€535▼ 13.6%€-1k€2k€-3k
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 €2k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €14k
Equity
€10k ▼ 24.0%
Debt
€5k ▲ 130%
Debt's share of the balance-sheet total rises from 13.8% to 32.5%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
3.08▼
2024 · 7.27
Quick ratio
1.61▼
2024 · 3.90
Debt to equity
0.48▲
2024 · 0.16
ROE
-31.5%▼
2024 · 14.5%
ROA
-21.3%▼
2024 · 12.5%
Debt ≤ 1 year
€5k▲
2024 · €2k
Income taxes
€774▼
2024 · €1k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€15k€14k▼
Current assets29/58€15k€14k▼
Stocks and contracts in progress3€7k€7k=
Stocks30/36€7k€7k=
Amounts receivable within one year40/41€2k€5k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€326€989▲
Cash at bank and in hand54/58€5k€2k▼
Deferred charges and accrued income490/1€701€705▲
Equity and liabilities
Total equity and liabilities10/49€15k€14k▼
Equity10/15€13k€10k▼
Contributions10/11€10k€10k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€-1k€-4k▼
Amounts payable17/49€2k€5k▲
Amounts payable within one year42/48€2k€5k▲
Trade debts44-€44
Suppliers440/4-€44
Taxes, remuneration and social security45€179€179=
Taxes450/3€179€179=
Other amounts payable47/48€2k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€150-
Other operating charges640/8€648€2k▲
Gross operating margin9900€4k€-338▼
Operating profit (loss)9901€4k€-2k▼
Financial income75/76B€18-
Recurring financial income75€18-
Financial charges65/66B€509€268▼
Recurring financial charges65€509€268▼
Profit (loss) for the period before taxes9903€3k€-2k▼
Income taxes67/77€1k€774▼
Profit (loss) for the period9904€2k€-3k▼
Profit (loss) for the period to be appropriated9905€2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-4k▼
Profit (loss) brought forward from the previous period14P€-3k€-1k▲
The notes to these accounts (3 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
05-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k ▼266%
Net result drops to €-3k, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 7.27
Current ratio from 2.08 to 7.27; short-term debt falls from €10k to €2k.
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 53 days late
2020
31-12
Financial
Back to profitnet €216
Net result €216 after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 2.66
Current ratio from 1.20 to 2.66; short-term debt falls from €22k to €6k.
Show earlier events
16-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 47 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Ukkel · 1 establishment unit since 1999
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.
Emile Regardstraat 71180 UkkelGround area
85 m²
Building footprint
67 m²
Volume, LiDAR
862 m³
Parcel 21616A0267/00X037, Brussels · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Emile Regardstraat 7, 1180 Ukkel
since 19992.091.854.884
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0267/00X037 | Brussels | 85 m² | 1 · 67 m² | 14.8 m · 4 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.
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CONSTRUCTIEF
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 3,960 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
Founded03-08-1999
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43211General electrical installation work
43230Insulation installation
43350Other building finishing work
47811Retail sale of cars and light vans (up to 3.5 tonnes)
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.