AV.M Renov

Active

Private limited companyfounded 20215 yrs activeRue de Fexhe Slins 67, 4680 Oupeye, BelgiumKBO/BCE: BE 0774.328.729

The computed 12-month bankruptcy probability of AV.M Renov is 2.8% (moderate). The 2024 annual accounts show equity of €55k and a net result of €22k. Equity is growing by ~64.8% per year across the filed fiscal years. Its solvency ranks better than 17% of 36376 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

48 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability76▲+4

Solvency39▲+5

Growth78=

Track record94

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity tight (current ratio 1.02 against 0.92 in 2023; short-term debt: 77.8% and cash: 16.6% of total assets), and 86.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

13.7%

Return on assets

5.5%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 36376 sector peers (2024).

NBB · sector comparison

Position among 36376 sector peers

Solvency

better than 17%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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 filings

Deviation from the deadline

2025

not confirmed

2024

31 d late

2023

22 d late

2022

37 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€746k

EBIT margin

4.8%

Net result

€22k▲ 6.7%

2023 · €21k

2022: €9k 2023: €21k

2022 → 2024

Working capital

€8k

2023 · €-21k

2022: €942 2023: €-21k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Turnover€746k

Equity€12k-€33k▲ 168%€55k▲ 66.9%

Operating result€15k-€35k▲ 130%€35k▼ 0.6%

Net result€9k-€21k▲ 123%€22k▲ 6.7%

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 1% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €400k

20.3%

79.7%

Fixed assets €81k▼ 32.2%

Current assets €319k▲ 30.3%

Equity and liabilities €400k

13.7%

86.3%

Equity €55k▲ 66.9%

Debt €345k▲ 4.1%

The debt ratio falls from 91.0% to 86.3%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€86k▲

2023 · €83k

Cash flow

€73k▲

2023 · €69k

Solvency

13.7%▲

2023 · 9.0%

Current ratio

1.02▲

2023 · 0.92

Quick ratio

1.02▲

2023 · 0.92

Debt / equity

6.28▼

2023 · 10.07

ROE

40.1%▼

2023 · 62.7%

ROA

5.5%▼

2023 · 5.7%

Interest coverage

12.19▲

2023 · 9.27

Debt

€345k▲

2023 · €331k

Debt ≤ 1 year

€311k▲

2023 · €265k

Debt > 1 year

€34k▼

2023 · €66k

Income taxes

€6k▲

2023 · €6k

Staff costs

€199k▲

2023 · €160k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€364k€400k▲

Fixed assets21/28€120k€81k▼

Tangible fixed assets22/27€120k€81k▼

Land and buildings22€2k€2k▼

Plant, machinery and equipment23€19k€22k▲

Furniture and vehicles24€38k€19k▼

Leasing and similar rights25€60k€38k▼

Current assets29/58€245k€319k▲

Amounts receivable within one year40/41€147k€248k▲

Trade receivables40€138k€244k▲

Other amounts receivable41€9k€5k▼

Cash at bank and in hand54/58€67k€67k▼

Deferred charges and accrued income490/1€30k€4k▼

Equity and liabilities

Total equity and liabilities10/49€364k€400k▲

Equity10/15€33k€55k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€30k€52k▲

Amounts payable17/49€331k€345k▲

Amounts payable after more than one year17€66k€34k▼

Financial debts170/4€66k€34k▼

Amounts payable within one year42/48€265k€311k▲

Current portion of amounts payable after more than one year42€31k€32k▲

Financial debts43€0€25k▲

Credit institutions430/8€0€25k▲

Trade debts44€219k€235k▲

Suppliers440/4€219k€235k▲

Taxes, remuneration and social security45€14k€19k▲

Taxes450/3€6k€8k▲

Remuneration and social security454/9€8k€11k▲

Other amounts payable47/48€1k-

Accrued charges and deferred income492/3€0-

Income statement Code20232024

Turnover70€746k-

Non-recurring operating income76A€23k-

Goods, raw materials, services and sundry goods60/61€525k-

Remuneration, social security and pensions62€160k€199k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€51k▲

Other operating charges640/8€7k€10k▲

Gross operating margin9900€250k€295k▲

Operating profit (loss)9901€35k€35k▼

Financial income75/76B€204€89▼

Recurring financial income75€204€89▼

Financial charges65/66B€9k€7k▼

Recurring financial charges65€9k€7k▼

Profit (loss) for the period before taxes9903€27k€28k▲

Income taxes67/77€6k€6k▲

Profit (loss) for the period9904€21k€22k▲

Profit (loss) for the period to be appropriated9905€21k€22k▲

Appropriation of the result

Profit (loss) to be appropriated9906€30k€52k▲

Profit (loss) brought forward from the previous period14P€9k€30k▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

31-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 31 days late

2024

31-12

Financial Highest result since 2022net €22k ▲6.7%

Net result €22k, the highest in the series.

22-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 22 days late

2023

06-09

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 37 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Oupeye · 1 establishment unit since 2021

establishment approximate The establishment unit on the map

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.

Rue de Fexhe Slins 674680 Oupeye

Ground area

650 m²

Building footprint

98 m²

Volume, LiDAR

500 m³

Parcel 62050B0782/00G000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

AV.M Renov

Rue de Fexhe Slins 67, 4680 OupeyeConstruction of residential and non-residential buildings

since 20212.322.418.639

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62050B0782/00G000	Wallonia	650 m²	1 · 98 m²	7.2 m · 2 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.

Structure & network

Connections & network

1 connected company

Network connections

MK-BAT

Shared address

→

Similar companies · same sector, comparable size

Of 11,137 companies in sector 43910 we hold annual accounts for 5,489. 4,723 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-09-2021

Fiscal year end31-12

Activities, NACEBEL

43910Bricklaying and masonry work

43990Other specialised construction activities

43994Specialised construction activities

43995Specialised construction activities

41001General construction of residential buildings

43350Other building finishing work

43421Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 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.