Checked.be
Active
BE 0563.387.183Private limited company
Reni & Consulting
Albrecht Rodenbachlaan 27 ·9220 Hamme (Vl.), Belgium· 11 yrs active
Sector: Agents in the wholesale of timber and building materials
(46130)
Conclusion
Reni & Consulting has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €-6k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 10877 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €77k |
| Net result | €-6k |
| Better than sector | 95% |
| Active | 11 yrs |
Financial profile
62
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
52
Profitability
0
Solvency
100
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2014, 11 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
52
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€4k
estimate, not credit advice
Score history
55
2021
60
2022
52
2023
60
2024
52
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 35.50 (≥ 1.5)
+10
Quick ratio
Quick ratio 35.50 (≥ 1.0)
+5
Leverage
Debt/equity 0.02 (< 1.0)
+10
Profitability
Negatieve ROE -7%
-10
Interest coverage
Interest coverage -42.9× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 12-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~5.9%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 98.1% | 42.6% | |
| Net result | €-6k | €6k | |
| Equity | €77k | €60k | |
| Gross operating margin | €-2k | €29k | |
| Total assets | €79k | €175k |
€-3k
+9.1%
21-25
€-6k
-8.2%
21-25
€-3k
-8.4%
21-25
€79k
-10.2%
21-25
€77k
-6.7%
21-25
€53k
-6.2%
21-25
€0
-
21-25
€2k
-69.0%
21-25
€2k
-69.0%
21-25
35.50
+185.9%
21-25
35.50
+185.9%
21-25
98.1%
+3.9%
21-25
0.02
-66.7%
21-25
-7.2%
-16.0%
21-25
-7.0%
-20.5%
21-25
-42.91
+8.7%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €-3k | €-3k | €-4k | €-55 | €-9k |
| Net profit | €-6k | €-5k | €-6k | €-2k | €-11k |
| Cash flow | €-3k | €-2k | €-4k | €0 | €-9k |
| Staff costs | - | - | - | - | - |
| Income taxes | - | €0 | - | - | - |
| Dividends | - | - | - | - | - |
| Total assets | €79k | €87k | €92k | €101k | €98k |
| Equity | €77k | €83k | €88k | €94k | €96k |
| Debt | €2k | €5k | €5k | €7k | €2k |
| of which ≤ 1y | €2k | €5k | €5k | €7k | €2k |
| of which > 1y | - | - | - | - | - |
| Working capital | €53k | €56k | €59k | €63k | €63k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 35.50 | 12.42 | 13.11 | 9.85 | 33.80 |
| Quick ratio | 35.50 | 12.42 | 13.11 | 9.85 | 33.80 |
| Working capital ratio | 67.0% | 64.1% | 63.7% | 63.0% | 64.9% |
| Solvency | 98.1% | 94.4% | 94.7% | 92.9% | 98.0% |
| Debt / equity | 0.02 | 0.06 | 0.06 | 0.08 | 0.02 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | -42.91 | -47.02 | -92.75 | -0.79 | -162.09 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -7.0% | -5.8% | -6.4% | -2.2% | -11.5% |
| ROE | -7.2% | -6.2% | -6.7% | -2.4% | -11.7% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €79k | €87k | €92k | €101k | €98k |
| Fixed assets | 21/28 | €24k | €26k | €29k | €30k | €32k |
| Tangible fixed assets | 22/27 | €24k | €26k | €29k | €30k | €32k |
| Current assets | 29/58 | €54k | €61k | €64k | €71k | €65k |
| Amounts receivable within one year | 40/41 | €3k | €3k | €3k | €17k | €3k |
| Investments | 50/53 | - | - | €10k | €10k | €10k |
| Cash & bank | 54/58 | €51k | €58k | €51k | €44k | €53k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €79k | €87k | €92k | €101k | €98k |
| Equity | 10/15 | €77k | €83k | €88k | €94k | €96k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k | €12k |
| Reserves | 13 | €94k | €94k | €94k | €94k | €94k |
| Accumulated profits (losses) | 14 | €-29k | €-24k | €-19k | €-13k | €-10k |
| Amounts payable | 17/49 | €2k | €5k | €5k | €7k | €2k |
| Amounts payable within one year | 42/48 | €2k | €5k | €5k | €7k | €2k |
| Trade debts payable within one year | 44 | €1k | €1k | €3k | €6k | €2k |
| Income statement | ||||||
| Gross operating margin | 9900 | €-2k | €-3k | €-2k | €595 | €-8k |
| Operating result | 9901 | €-6k | €-6k | €-6k | €-2k | €-11k |
| Financial income | 75 | €231 | €723 | €136 | €124 | €113 |
| Financial charges | 65 | €66 | €66 | €39 | €70 | €54 |
| Result before taxes | 9903 | €-6k | €-5k | €-6k | €-2k | €-11k |
| Income taxes | 67/77 | - | €0 | - | - | - |
| Net result for the period | 9904 | €-6k | €-5k | €-6k | €-2k | €-11k |
| Result to be appropriated | 9905 | €-6k | €-5k | €-6k | €-2k | €-11k |
Legal Structure
| NACE primary | Agents in the wholesale of timber and building materials(46130) |
| Legal form | Private limited company(610) |
| Incorporation | 29-09-2014 |
| Status | Active |
| Postal code | 9220 |
Establishment units
Reni & Consulting
since 20142.238.469.790
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A1593/00D000 | Flanders | 278 m² | 1 · 96 m² | 8.1 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 35.50
Current ratio from 12.42 to 35.50; short-term debt falls from €5k to €2k.
05-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 66 days late
2024
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-07
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.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Agents in the wholesale of timber and building materials46130
Names & trade names
| Legal nameNL | Reni & Consulting |
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