AL RENOVATION
ActiveThe computed 12-month bankruptcy probability of AL RENOVATION is 2.0% (moderate). The 2025 annual accounts show equity of €222k and a net result of €22k. Equity is growing by ~52.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 7452 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-18
Solvency84▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.51 against 0.67 in 2024; short-term debt: 31.8% and cash: 13.9% of total assets), and 40.7% 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
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
59.3%
Return on assets
5.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 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 · 8 filingsDeviation from the deadline
2025
52 d late
2024
7 d early
2023
26 d late
2022
on the day
2021
24 d late
2020
12 d late
2019
88 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€22k▼ 77.8%
2024 · €98k
2018: €-4k
2019: €22k
2020: €11k
2021: €29k
2022: €15k
2023: €42k
2024: €98k
2018 → 2025
Working capital
€-59k▼ 73.8%
2024 · €-34k
2018: €2k
2019: €30k
2020: €47k
2021: €76k
2022: €-35k
2023: €-78k
2024: €-34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€91k▲ 20.1%€134k▲ 46.4%€210k▲ 57.5%€222k▲ 5.6%
Operating result€33k-€15k▼ 53.7%€84k▲ 445%€35k▼ 57.9%€55k▲ 53.9%
Net result€29k-€15k▼ 46.9%€42k▲ 178%€98k▲ 132%€22k▼ 77.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 54% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€314k▲ 1.7%
Current assets
€61k▼ 13.2%
Equity and liabilities €375k
Equity
€222k▲ 5.6%
Debt
€153k▼ 9.4%
The debt ratio falls from 44.5% to 40.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2024 · €36k
Cash flow
€24k▼
2024 · €99k
Solvency
59.3%▲
2024 · 55.5%
Current ratio
0.51▼
2024 · 0.67
Quick ratio
0.51▼
2024 · 0.67
Debt / equity
0.69▼
2024 · 0.80
ROE
9.8%▼
2024 · 46.7%
ROA
5.8%▼
2024 · 25.9%
Interest coverage
7.22▲
2024 · 5.26
Debt
€153k▼
2024 · €169k
Debt ≤ 1 year
€119k▲
2024 · €104k
Debt > 1 year
€33k▼
2024 · €65k
Income taxes
€25k▲
2024 · €10k
Staff costs
€79k▲
2024 · €71k
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€379k€375k▼
Fixed assets21/28€309k€314k▲
Tangible fixed assets22/27€4k€9k▲
Plant, machinery and equipment23€714€480▼
Furniture and vehicles24€3k€8k▲
Financial fixed assets28€306k€306k=
Current assets29/58€70k€61k▼
Amounts receivable within one year40/41€6k€5k▼
Trade receivables40-€1k
Other amounts receivable41€6k€4k▼
Cash at bank and in hand54/58€61k€52k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€379k€375k▼
Equity10/15€210k€222k▲
Contributions10/11€19k€19k=
Reserves13€2k€22k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€20k
Profit (loss) carried forward14€190k€182k▼
Amounts payable17/49€169k€153k▼
Amounts payable after more than one year17€65k€33k▼
Financial debts170/4€65k€33k▼
Amounts payable within one year42/48€104k€119k▲
Current portion of amounts payable after more than one year42€35k€37k▲
Financial debts43-€30k
Credit institutions430/8-€30k
Trade debts44€39k€20k▼
Suppliers440/4€39k€20k▼
Taxes, remuneration and social security45€29k€31k▲
Taxes450/3€19k€20k▲
Remuneration and social security454/9€10k€11k▲
Other amounts payable47/48€337€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€71k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€608€2k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€112k€141k▲
Operating profit (loss)9901€35k€55k▲
Financial income75/76B€80k€157▼
Recurring financial income75€80k€157▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€109k€47k▼
Income taxes67/77€10k€25k▲
Profit (loss) for the period9904€98k€22k▼
Profit (loss) for the period to be appropriated9905€98k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€212k€212k▲
Profit (loss) brought forward from the previous period14P€113k€190k▲
Transfer to equity691/2-€20k
To contributions691-€20k
Profit to be distributed694/7€22k€10k▼
Return on contributions (dividend)694€22k€10k▼
The notes to these accounts (11 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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €98k ▲132%
Net result €98k, the highest in the series.
31-12
Financial
Equity above €200kEq €210k ▲57.5%
6 profitable years in a row build equity to €210k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Equity above €100kEq €134k ▲46.4%
5 profitable years in a row build equity to €134k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
29-12-2025
Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 2 establishment units since 2017
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.
Stevinstraat 1181000 BrusselGround area
2,586 m²
Building footprint
242 m²
Volume, LiDAR
1,816 m³
2 parcels, Brussels, Flanders · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
AL RENOVATION
since 20172.267.531.089
AL RENOVATION
since 20222.326.807.294
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24085B0222/00D000 | Flanders | 2,502 m² | 1 · 158 m² | 10.0 m · 2 fl. |
| 21806F0269/00W000 | Brussels | 84 m² | 1 · 84 m² | 17.4 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.
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ALGEMENE BOUWWERKEN VAN DER STAPPEN
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BF JAN LATHOUWERS
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PEETERS TECHNIEK
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 11,838 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2017
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.