REUT & FILS
ActiveSummary
The computed 12-month bankruptcy probability of REUT & FILS is 1.6% (moderate). The 2025 annual accounts show equity of €224k and a net result of €45k. Equity is growing by ~37.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 7453 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.98 against 9.97 in 2024; short-term debt: 24.9% and cash: 62.5% of total assets), and 24.9% of the assets are financed with debt.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
75.1%
Return on assets
15.1%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
1 d early
2022
31 d late
2021
2 d early
← 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
€224k▲ 25.2%
2024 · €179k
2021: €37k
2022: €95k
2023: €124k
2024: €179k
2021 → 2025
Total assets
€299k▲ 50.2%
2024 · €199k
2021: €108k
2022: €174k
2023: €157k
2024: €199k
2021 → 2025
Net result
€45k▼ 19.2%
2024 · €56k
2021: €31k
2022: €59k
2023: €29k
2024: €56k
2021 → 2025
Working capital
€222k▲ 25.2%
2024 · €177k
2021: €31k
2022: €94k
2023: €120k
2024: €177k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€95k▲ 157%€124k▲ 29.9%€179k▲ 44.4%€224k▲ 25.2%
Operating result€41k-€76k▲ 86.0%€43k▼ 43.4%€78k▲ 83.3%€64k▼ 18.8%
Net result€31k-€59k▲ 90.2%€29k▼ 50.4%€56k▲ 90.3%€45k▼ 19.2%
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 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €299k
Fixed assets
€3k ▲ 21.9%
Current assets
€296k ▲ 50.5%
Equity and liabilities €299k
Equity
€224k ▲ 25.2%
Debt
€74k ▲ 277%
Debt's share of the balance-sheet total rises from 9.9% to 24.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▼
2024 · €80k
Cash flow
€46k▼
2024 · €57k
Current ratio
3.98▼
2024 · 9.97
Quick ratio
3.93▼
2024 · 9.97
Debt to equity
0.33▲
2024 · 0.11
ROE
20.1%▼
2024 · 31.2%
ROA
15.1%▼
2024 · 28.1%
Interest coverage
52.13▼
2024 · 62.58
Debt ≤ 1 year
€74k▲
2024 · €20k
Income taxes
€17k▼
2024 · €21k
Staff costs
€30k▲
2024 · €28k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€199k€299k▲
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€329€142▼
Current assets29/58€197k€296k▲
Stocks and contracts in progress3-€4k
Stocks30/36-€4k
Amounts receivable within one year40/41€50k€103k▲
Trade receivables40€36k€93k▲
Other amounts receivable41€15k€9k▼
Cash at bank and in hand54/58€143k€187k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€199k€299k▲
Equity10/15€179k€224k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€173k€218k▲
Amounts payable17/49€20k€74k▲
Amounts payable within one year42/48€20k€74k▲
Trade debts44€10k€52k▲
Suppliers440/4€10k€52k▲
Taxes, remuneration and social security45€7k€21k▲
Taxes450/3€3k€13k▲
Remuneration and social security454/9€4k€8k▲
Other amounts payable47/48€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€28k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€890▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€110k€96k▼
Operating profit (loss)9901€78k€64k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€77k€62k▼
Income taxes67/77€21k€17k▼
Profit (loss) for the period9904€56k€45k▼
Profit (loss) for the period to be appropriated9905€56k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€174k€218k▲
Profit (loss) brought forward from the previous period14P€118k€173k▲
Profit to be distributed694/7€800-
Return on contributions (dividend)694€800-
The notes to these accounts (8 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
31-12
Financial
Equity above €200kEq €224k ▲25.2%
5 profitable years in a row build equity to €224k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 9.97
Current ratio from 4.63 to 9.97; short-term debt falls from €33k to €20k.
31-12
Financial
Equity above €150kEq €179k ▲44.4%
4 profitable years in a row build equity to €179k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €29k ▼50.4%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.63
Current ratio from 2.20 to 4.63; short-term debt falls from €78k to €33k.
31-12
Financial
Equity above €100kEq €124k ▲29.9%
3 profitable years in a row build equity to €124k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2021net €59k ▲90.2%
Net result €59k, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Grimbergen · 1 establishment unit since 2020
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.
Lintkasteelstraat 381850 GrimbergenGround area
850 m²
Building footprint
167 m²
Volume, LiDAR
976 m³
Parcel 23025C0022/00H000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
REUT & FILS
since 20202.305.875.684
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23025C0022/00H000 | Flanders | 850 m² | 1 · 167 m² | 9.5 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
UDRA CONSTRUCT
BE 0743.387.709
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D.L. CONSTRUCTION
BE 0465.071.151
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SVG Construct
BE 0744.929.415
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BMH
BE 0887.666.893
Houthalen-Helchteren · Eq €224,227
ROBBERECHT G & B
BE 0455.075.104
Hamme (Vl.) · Eq €224,247
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,811 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
Founded13-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
41002Construction of residential and non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.