A.J.-RENCO
ActiveSummary
A.J.-RENCO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 66% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-42
Solvency87▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.2 against 2.46 in 2024; short-term debt: 31.2% and cash: 1.6% of total assets), and 38.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 →
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
61.7%
Return on assets
-18.4%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-02-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
25 d late
2024
1 d early
2023
1 d early
2022
21 d early
2021
11 d early
2020
17 d early
2019
43 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 22.9%
2024 · €20k
2019: €22k
2020: €24k
2021: €25k
2022: €27k
2023: €28k
2024: €20k
2019 → 2025
Total assets
€26k▼ 25.9%
2024 · €35k
2019: €54k
2020: €49k
2021: €63k
2022: €41k
2023: €32k
2024: €35k
2019 → 2025
Net result
€-5k
2024 · €597
2019: €2k
2020: €2k
2021: €834
2022: €2k
2023: €1k
2024: €597
2019 → 2025
Working capital
€18k▼ 14.1%
2024 · €20k
2019: €6k
2020: €8k
2021: €20k
2022: €20k
2023: €28k
2024: €20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€27k▲ 7.6%€28k▲ 3.8%€20k▼ 26.5%€16k▼ 22.9%
Operating result€3k-€6k▲ 116%€2k▼ 70.0%€1k▼ 40.4%€-5k
Net result€834-€2k▲ 128%€1k▼ 46.9%€597▼ 40.8%€-5k
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 €5k after €1k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €26k
Equity
€16k ▼ 22.9%
Debt
€10k ▼ 30.2%
Debt's share of the balance-sheet total falls from 40.6% to 38.3%. Equity and debt are lower.
Key figures and ratios
Current ratio
3.20▲
2024 · 2.46
Debt to equity
0.62▼
2024 · 0.68
ROE
-29.7%▼
2024 · 2.9%
ROA
-18.4%▼
2024 · 1.7%
Debt ≤ 1 year
€8k▼
2024 · €14k
Income taxes
€17▼
2024 · €371
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€35k€26k▼
Current assets29/58€35k€26k▼
Amounts receivable within one year40/41€29k€25k▼
Trade receivables40€14k€12k▼
Other amounts receivable41€15k€13k▼
Cash at bank and in hand54/58€6k€402▼
Equity and liabilities
Total equity and liabilities10/49€35k€26k▼
Equity10/15€20k€16k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Share premium1100/10€6k€6k=
Reserves13€14k€10k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€12k€8k▼
Amounts payable17/49€14k€10k▼
Amounts payable within one year42/48€14k€8k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€904-
Taxes450/3€904-
Other amounts payable47/48€10k€6k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Non-recurring operating income76A€105-
Other operating charges640/8€502€507▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€4k€-4k▼
Operating profit (loss)9901€1k€-5k▼
Financial income75/76B-€134
Recurring financial income75-€134
Financial charges65/66B€87€47▼
Recurring financial charges65€87€47▼
Profit (loss) for the period before taxes9903€968€-5k▼
Income taxes67/77€371€17▼
Profit (loss) for the period9904€597€-5k▼
Profit (loss) for the period to be appropriated9905€597€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€597€-5k▼
Transfer from equity791/2€8k€5k▼
Transfer to equity691/2€597-
To other reserves6921€597-
Profit to be distributed694/7€8k-
Return on contributions (dividend)694€8k-
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
30-06
Financial
Weakest financial yearnet €-5k ▼887%
Net result drops to €-5k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity times 18current ratio 42.10
Current ratio from 2.39 to 42.10; short-term debt falls from €14k to €685.
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €2k ▲128%
Operating result €6k, net result €2k, both a record.
20-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
25-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 25 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2016
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.
Deken De Winterstraat 372600 AntwerpenGround area
200 m²
Building footprint
100 m²
Volume, LiDAR
850 m³
Parcel 11003A0356/00P012, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
A.J.-RENCO
since 20162.257.164.660
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0356/00P012 | Flanders | 200 m² | 1 · 100 m² | 10.5 m · 3 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
D&D Reno Constructions
BE 0733.658.015
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STIJNVEST
BE 1014.501.620
Brugge · Eq €15,715
ALAIN LETELLIER
BE 0464.542.995
Sambreville · Eq €15,914
Geijs
BE 1015.965.132
Lummen · Eq €15,999
GRAVITY INVEST
BE 0793.934.013
Charleroi · Eq €16,014
Of 7,293 companies in sector 43350 we hold annual accounts for 2,363. 1,651 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 (pre-2019)
Founded04-07-2016
Fiscal year end30-06
Activities, NACEBEL 2025
43350Other building finishing work
43320Joinery installation
43341Painting of buildings
43422Screed work
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.