Reno & Bouw
ActiveReno & Bouw has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €-5k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 13866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.75 against 2.63 in 2024), and 28.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
71.9%
Return on assets
-5.7%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€5k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
1 d early
2022
29 d late
2021
16 d late
2020
4 d late
2019
19 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▼ 7.3%
2024 · €73k
2018: €99k
2019: €100k
2020: €100k
2021: €101k
2022: €103k
2023: €81k
2024: €73k
2018 → 2025
Total assets
€94k▼ 11.4%
2024 · €106k
2018: €343k
2019: €441k
2020: €556k
2021: €134k
2022: €144k
2023: €117k
2024: €106k
2018 → 2025
Net result
€-5k▲ 31.1%
2024 · €-8k
2018: €19k
2019: €1k
2020: €-463
2021: €1k
2022: €1k
2023: €-22k
2024: €-8k
2018 → 2025
Working capital
€46k▼ 5.1%
2024 · €48k
2018: €76k
2019: €81k
2020: €96k
2021: €113k
2022: €100k
2023: €80k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€103k▲ 1.4%€81k▼ 21.2%€73k▼ 9.6%€68k▼ 7.3%
Operating result€9k-€3k▼ 67.9%€-21k€-7k▲ 66.1%€-5k▲ 33.2%
Net result€1k-€1k▲ 9.3%€-22k€-8k▲ 64.3%€-5k▲ 31.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€22k▼ 22.2%
Current assets
€72k▼ 7.5%
Equity and liabilities €94k
Equity
€68k▼ 7.3%
Debt
€26k▼ 20.4%
The debt ratio falls from 31.3% to 28.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€4k▲
2024 · €264
Cash flow
€3k▲
2024 · €-545
Solvency
71.9%▲
2024 · 68.7%
Current ratio
2.75▲
2024 · 2.63
Quick ratio
0.29▼
2024 · 0.42
Debt / equity
0.39▼
2024 · 0.46
ROE
-7.9%▲
2024 · -10.6%
ROA
-5.7%▲
2024 · -7.3%
Interest coverage
5.43▲
2024 · 0.30
Debt
€26k▼
2024 · €33k
Debt ≤ 1 year
€26k▼
2024 · €30k
Staff costs
€15k▼
2024 · €19k
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€106k€94k▼
Fixed assets21/28€28k€22k▼
Tangible fixed assets22/27€28k€22k▼
Furniture and vehicles24€28k€22k▼
Current assets29/58€78k€72k▼
Stocks and contracts in progress3€66k€64k▼
Stocks30/36€40k€46k▲
Contracts in progress37€26k€19k▼
Amounts receivable within one year40/41€5k€7k▲
Trade receivables40€4k€6k▲
Other amounts receivable41€427€35▼
Cash at bank and in hand54/58€3k€725▼
Deferred charges and accrued income490/1€5k€438▼
Equity and liabilities
Total equity and liabilities10/49€106k€94k▼
Equity10/15€73k€68k▼
Contributions10/11€75k€75k=
Reserves13€12k€12k=
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€-14k€-19k▼
Amounts payable17/49€33k€26k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€30k€26k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€17k€15k▼
Suppliers440/4€17k€15k▼
Taxes, remuneration and social security45€2k€771▼
Taxes450/3€889-
Remuneration and social security454/9€950€771▼
Other amounts payable47/48€8k€3k▼
Accrued charges and deferred income492/3-€286
Income statement
Code20242025
Non-recurring operating income76A€8k-
Remuneration, social security and pensions62€19k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€277€1k▲
Gross operating margin9900€19k€21k▲
Operating profit (loss)9901€-7k€-5k▲
Financial income75/76B€66€75▲
Recurring financial income75€66€75▲
Financial charges65/66B€874€772▼
Recurring financial charges65€874€772▼
Profit (loss) for the period before taxes9903€-8k€-5k▲
Profit (loss) for the period9904€-8k€-5k▲
Profit (loss) for the period to be appropriated9905€-8k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-19k▼
Profit (loss) brought forward from the previous period14P€-6k€-14k▼
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-22k ▼1674%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 7.33
Current ratio from 1.21 to 7.33; short-term debt falls from €456k to €18k.
31-12
Financial
Equity above €100kEq €101k ▲1.3%
Equity rises from €100k to €101k.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Equity above €100kEq €100k ▲1.5%
2 profitable years in a row build equity to €100k.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
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.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 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, Herselt · 1 establishment unit since 1995
Ground area
2,052 m²
Building footprint
322 m²
Volume, LiDAR
1,692 m³
Parcel 13034I0559/00P000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Reno & Bouw
since 19952.070.053.244
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13034I0559/00P000 | Flanders | 2,052 m² | 1 · 322 m² | 6.4 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.
Similar companies · same sector, comparable size
Résidence de Gonhache
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Libramont-Chevigny · Eq €68k
BOUW EN PROMOTIE DIKSMUIDESTRAAT
BE 0578.846.906
Schilde · Eq €68k
PRO-VASTGOED
BE 0578.941.332
Kapelle-op-den-Bos · Eq €68k
IMMO HOUBEN - ROOX
BE 0741.980.813
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ZN PROJECTS
BE 1008.786.439
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Of 9,637 companies in sector 68121 we hold annual accounts for 7,329. 5,134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-1994
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
52450
96021Hairdressing
96210Hairdressing and barber services
41001General construction of residential buildings
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.