ARIFA RENOV
ActiveARIFA RENOV has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €-6k. Equity is growing by ~38.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 1902 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-88
Solvency97▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.23 against 2.61 in 2024; short-term debt: 28.4% and cash: 3.3% of total assets), and 28.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 25
Relative position
BE, all sectors
reference
Sector 25
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
71.6%
Return on assets
-5.7%
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 08-09-2026, 39 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 · 9 filingsDeviation from the deadline
2025
39 d late
2024
81 d late
2023
54 d late
2022
46 d late
2021
50 d late
2020
91 d late
2019
56 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€270k
EBIT margin
23.5%
Net result
€-6k
2024 · €42k
2018: €-34k
2019: €-10k
2020: €-404
2021: €198
2022: €64k
2023: €38k
2024: €42k
2018 → 2025
Working capital
€67k▼ 4.0%
2024 · €70k
2018: €-66k
2019: €-68k
2020: €-67k
2021: €-67k
2022: €-12k
2023: €25k
2024: €70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€270k
Equity€-62k-€2k€40k▲ 1,625%€82k▲ 106%€76k▼ 7.3%
Operating result€339-€63k▲ 18,608%€47k▼ 26.5%€59k▲ 25.9%€-10k
Net result€198-€64k▲ 32,338%€38k▼ 41.6%€42k▲ 12.8%€-6k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €59k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€9k▼ 26.9%
Current assets
€98k▼ 14.2%
Equity and liabilities €106k
Equity
€76k▼ 7.3%
Debt
€30k▼ 30.7%
The debt ratio falls from 34.7% to 28.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €62k
Cash flow
€-3k▼
2024 · €46k
Solvency
71.6%▲
2024 · 65.3%
Current ratio
3.23▲
2024 · 2.61
Quick ratio
3.23▲
2024 · 2.61
Debt / equity
0.40▼
2024 · 0.53
ROE
-7.9%▼
2024 · 51.5%
ROA
-5.7%▼
2024 · 33.7%
Interest coverage
-40.45▼
2024 · 357.56
Debt
€30k▼
2024 · €44k
Debt ≤ 1 year
€30k▼
2024 · €44k
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€126k€106k▼
Fixed assets21/28€12k€9k▼
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€6k€6k=
Current assets29/58€114k€98k▼
Amounts receivable within one year40/41€98k€91k▼
Trade receivables40€33k€47k▲
Other amounts receivable41€66k€43k▼
Cash at bank and in hand54/58€10k€3k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€126k€106k▼
Equity10/15€82k€76k▼
Contributions10/11€15k€15k=
Reserves13€10€10=
Non-distributable reserves130/1€10€10=
Reserves not available under the articles1311€10€10=
Profit (loss) carried forward14€67k€61k▼
Amounts payable17/49€44k€30k▼
Amounts payable within one year42/48€44k€30k▼
Trade debts44€9k€12k▲
Suppliers440/4€9k€12k▲
Taxes, remuneration and social security45€32k€18k▼
Taxes450/3€25k€17k▼
Remuneration and social security454/9€7k€1k▼
Other amounts payable47/48€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€852€2k▲
Gross operating margin9900€65k€-5k▼
Operating profit (loss)9901€59k€-10k▼
Financial income75/76B-€5k
Recurring financial income75-€5k
Financial charges65/66B€173€176▲
Recurring financial charges65€173€176▲
Profit (loss) for the period before taxes9903€59k€-6k▼
Income taxes67/77€16k-
Profit (loss) for the period9904€42k€-6k▼
Profit (loss) for the period to be appropriated9905€42k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€61k▼
Profit (loss) brought forward from the previous period14P€24k€67k▲
The notes to these accounts (5 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
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 39 days late
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 81 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 54 days late
2023
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
2022
31-12
Financial
Highest result since 2018net €64k ▲32338%
Operating result €63k, net result €64k, both a record.
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 50 days late
2021
31-12
Financial
Back to profitnet €198
Net result €198 after 3 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 91 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 56 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Wemmel · 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.
Lt. Graffplein 151780 WemmelGround area
472 m²
Building footprint
322 m²
Volume, LiDAR
3,638 m³
2 parcels, Brussels, Flanders · tallest building 19.9 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
EUROFINE
since 20162.259.048.935
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0329/00W012 | Brussels | 325 m² | 1 · 178 m² | 19.9 m · 5 fl. |
| 22662B0387/00R004 | Flanders | 147 m² | 1 · 144 m² | 14.9 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.
Recognitions · licences · registrations
Recognised contractor
5 categoriesARIFA RENOV BV44417
Similar companies · same sector, comparable size
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CONSTRUCTIONS METALLIQUES MAURICE PIERLOT
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Of 3,986 companies in sector 25110 we hold annual accounts for 2,147. 1,560 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2016
Fiscal year end31-12
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
41001General construction of residential buildings
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.