A.G. RENOV
ActiveSummary
The computed 12-month bankruptcy probability of A.G. RENOV is 2.8% (moderate). The 2025 annual accounts show equity of €16k and a net result of €-10k. Equity is shrinking by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 7453 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-38
Solvency66▼-6
Growth32=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.51 against 1.67 in 2024; short-term debt: 59.1% and cash: 0.2% of total assets), but 59.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 →
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
40.9%
Return on assets
-24.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 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
€16k▼ 37.8%
2024 · €26k
2023: €26k
2024: €26k
2023 → 2025
Total assets
€40k▼ 28.4%
2024 · €55k
2023: €42k
2024: €55k
2023 → 2025
Net result
€-10k▼ 7,583%
2024 · €-129
2023: €16k
2024: €-129
2023 → 2025
Working capital
€12k▼ 39.1%
2024 · €20k
2023: €24k
2024: €20k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€26k-€26k▼ 0.5%€16k▼ 37.8%
Operating result€21k-€2k▼ 89.5%€-8k
Net result€16k-€-129€-10k▼ 7,583%
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 €8k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€4k ▼ 34.0%
Current assets
€35k ▼ 27.7%
Equity and liabilities €40k
Equity
€16k ▼ 37.8%
Debt
€23k ▼ 20.1%
Debt's share of the balance-sheet total rises from 52.9% to 59.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▼
2024 · €3k
Cash flow
€-8k▼
2024 · €954
Current ratio
1.51▼
2024 · 1.67
Debt to equity
1.44▲
2024 · 1.12
ROE
-60.9%▼
2024 · -0.5%
ROA
-24.9%▼
2024 · -0.2%
Interest coverage
-2.43▼
2024 · 2.39
Debt ≤ 1 year
€23k▼
2024 · €29k
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€55k€40k▼
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€49k€35k▼
Amounts receivable within one year40/41€47k€35k▼
Trade receivables40€17k€16k▼
Other amounts receivable41€30k€19k▼
Cash at bank and in hand54/58€2k€93▼
Equity and liabilities
Total equity and liabilities10/49€55k€40k▼
Equity10/15€26k€16k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€16k€6k▼
Amounts payable17/49€29k€23k▼
Amounts payable within one year42/48€29k€23k▼
Trade debts44€23k€14k▼
Suppliers440/4€23k€14k▼
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€3k€3k=
Remuneration and social security454/9€3k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€17k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€535▼
Gross operating margin9900€22k€-5k▼
Operating profit (loss)9901€2k€-8k▼
Financial income75/76B€2k-
Recurring financial income75€2k-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€3k€-10k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€-129€-10k▼
Profit (loss) for the period to be appropriated9905€-129€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€6k▼
Profit (loss) brought forward from the previous period14P€16k€16k▼
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
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, Sint-Pieters-Leeuw · 1 establishment unit since 2022
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.
Bergensesteenweg 241600 Sint-Pieters-LeeuwGround area
1,784 m²
Building footprint
468 m²
Volume, LiDAR
3,764 m³
2 parcels, Brussels, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A.G. RENOV
since 20222.338.804.315
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0118/00W082 | Flanders | 1,638 m² | 1 · 398 m² | 9.5 m · 3 fl. |
| 21524C0149/00K000 | Brussels | 146 m² | 1 · 71 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Build & Project
BE 1017.346.985
Brugelette · Eq €16,234
SISI-IMMO-DEAL
BE 0730.804.730
Overijse · Eq €16,229
HARLEY ET DAVID
BE 0738.748.832
Péruwelz · Eq €16,229
L.E.M. GROUP CONSTRUCT
BE 0676.564.409
Aalst · Eq €16,239
SPV SERVICES
BE 1003.981.276
Ukkel · Eq €16,226
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 10,950 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
Founded18-11-2022
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.