A.M. RENO
ActiveSummary
The computed 12-month bankruptcy probability of A.M. RENO is 1.7% (moderate). The 2024 annual accounts show equity of €45k and a net result of €4k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 90% of 36375 sector peers (fiscal year 2024). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▼-42
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 7.14 against 50.29 in 2023; short-term debt: 14% and cash: 82.2% of total assets), and 14.5% 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.
−lowers risk+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 →
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 2024Solvency, return and age of the figures
Solvency
85.5%
Return on assets
8.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
20 d early
2023
on the day
2022
23 d late
2021
18 d late
2020
24 d late
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€45k▲ 10.7%
2023 · €41k
2018: €31k
2019: €31k
2020: €28k
2021: €38k
2022: €28k
2023: €41k
2018 → 2024
Total assets
€53k▲ 26.9%
2023 · €42k
2018: €52k
2019: €45k
2020: €29k
2021: €38k
2022: €30k
2023: €42k
2018 → 2024
Net result
€4k▼ 65.4%
2023 · €13k
2018: €-3k
2019: €-418
2020: €-3k
2021: €10k
2022: €-9k
2023: €13k
2018 → 2024
Working capital
€46k▲ 11.3%
2023 · €41k
2018: €35k
2019: €30k
2020: €27k
2021: €37k
2022: €28k
2023: €41k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€28k-€38k▲ 35.0%€28k▼ 25.0%€41k▲ 44.9%€45k▲ 10.7%
Operating result€-3k-€10k€-9k€13k€6k▼ 56.4%
Net result€-3k-€10k€-9k€13k€4k▼ 65.4%
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 2024; 2024 is 56% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €53k
Equity
€45k ▲ 10.7%
Debt
€8k ▲ 823%
Debt's share of the balance-sheet total rises from 2.0% to 14.5%. Equity and debt are higher.
Key figures and ratios
Current ratio
7.14▼
2023 · 50.29
Quick ratio
7.01▼
2023 · 49.09
Debt to equity
0.17▲
2023 · 0.02
ROE
9.7%▼
2023 · 31.0%
ROA
8.3%▼
2023 · 30.4%
Debt ≤ 1 year
€7k▲
2023 · €832
Income taxes
€1k▲
2023 · €400
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 · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€42k€53k▲
Current assets29/58€42k€53k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€10k€7k▼
Trade receivables40€5k€2k▼
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€31k€44k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€42k€53k▲
Equity10/15€41k€45k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€21k€25k▲
Amounts payable17/49€832€8k▲
Amounts payable within one year42/48€832€7k▲
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45-€6k
Taxes450/3-€4k
Remuneration and social security454/9-€2k
Other amounts payable47/48€832-
Accrued charges and deferred income492/3-€250
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€158-
Other operating charges640/8€474€530▲
Gross operating margin9900€14k€6k▼
Operating profit (loss)9901€13k€6k▼
Financial income75/76B€0€69▲
Recurring financial income75€0€69▲
Financial charges65/66B€257€373▲
Recurring financial charges65€257€373▲
Profit (loss) for the period before taxes9903€13k€6k▼
Income taxes67/77€400€1k▲
Profit (loss) for the period9904€13k€4k▼
Profit (loss) for the period to be appropriated9905€13k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€25k▲
Profit (loss) brought forward from the previous period14P€8k€21k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 50.29
Current ratio from 22.70 to 50.29; short-term debt falls from €1k to €832.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €-9k ▼197%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Liquidity times 10current ratio 31.61
Current ratio from 3.04 to 31.61; short-term debt falls from €14k to €868.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
Show earlier events
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 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, Evere · 1 establishment unit since 2010
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.
Goede Herderstraat 541140 EvereGround area
8,640 m²
Building footprint
789 m²
Volume, LiDAR
13,724 m³
2 parcels, Brussels · tallest building 22.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Paul De Mertenlaan 85, 1090 Jette
since 20102.189.086.496
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0199/00T007 | Brussels | 8,547 m² | 1 · 735 m² | 22.9 m · 7 fl. |
| 21464D0176/00A028 | Brussels | 93 m² | 1 · 55 m² | 13.1 m · 4 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
YUKO
BE 0692.613.355
Hasselt · Eq €45,415
REEL CONSTRUCT
BE 0717.980.934
Sint-Pieters-Leeuw · Eq €45,429
GFI
BE 0820.911.493
Lasne · Eq €45,396
CTI RENOV
BE 0787.694.438
Brussel · Eq €45,376
DENIS CONSTRUCT
BE 0785.916.962
Aalst · Eq €45,374
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,039 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)
Founded12-05-2010
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.