BM RENO CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of BM RENO CONSTRUCT is 3.7% (moderate). The 2024 annual accounts show equity of €39,087 and a net result of €3,252. Equity is growing by ~70.1% per year across the filed fiscal years. Its solvency ranks better than 31% of 6720 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability71▼-29
Solvency44▼-45
Growth78=
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.08 against 2.51 in 2023; short-term debt: 43.3% and cash: 47.2% of total assets), but 80.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
19.1%
Return on assets
1.6%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-11-2025, 120 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
120 d late
2023
253 d late
2022
277 d late
2021
642 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 323 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€39,087▲ 9.1%
2023 · €35,834
Total assets
€204,334▲ 264%
2023 · €56,205
Net result
€3,252▼ 83.9%
2023 · €20,260
Working capital
€95,893▲ 212%
2023 · €30,735
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result-€8,256-€23,892€22,358▼ 6.4%€3,451▼ 84.6%
Net result-€8,734below the sector's middle half-€23,809above the sector's middle half€20,260within the sector's middle half▼ 14.9%€3,252within the sector's middle half▼ 83.9%
Equity-€8,234below the sector's middle half-€15,575within the sector's middle half€35,834within the sector's middle half▲ 130%€39,087within the sector's middle half▲ 9.1%
Total assets€6,351below the sector's middle half-€34,861below the sector's middle half▲ 449%€56,205within the sector's middle half▲ 61.2%€204,334within the sector's middle half▲ 264%
Debt€14,585-€19,286▲ 32.2%€20,370▲ 5.6%€165,247▲ 711%
Working capital-€8,498below the sector's middle half-€13,257within the sector's middle half€30,735within the sector's middle half▲ 132%€95,893above the sector's middle half▲ 212%
Solvency-129.6%below the sector's middle half-44.7%within the sector's middle half▲ 174.3pp63.8%within the sector's middle half▲ 19.1pp19.1%within the sector's middle half▼ 44.6pp
Current ratio0.42below the sector's middle half-1.69within the sector's middle half▲ 1.272.51within the sector's middle half▲ 0.822.08within the sector's middle half▼ 0.43
Return on assets (ROA)-137.5%below the sector's middle half-68.3%above the sector's middle half▲ 205.8pp36.0%above the sector's middle half▼ 32.3pp1.6%within the sector's middle half▼ 34.5pp
above
within
below
the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 85% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €204,334
Fixed assets
€19,917 ▲ 291%
Current assets
€184,417 ▲ 261%
Equity and liabilities €204,334
Equity
€39,087 ▲ 9.1%
Debt
€165,247 ▲ 711%
Debt's share of the balance-sheet total rises from 36.2% to 80.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10,819▼
2023 · €23,862
Cash flow
€10,620▼
2023 · €21,764
Debt to equity
4.23▲
2023 · 0.57
ROE
8.3%▼
2023 · 56.5%
Interest coverage
54.43▼
2023 · 243.24
Debt ≤ 1 year
€88,523▲
2023 · €20,370
Staff costs
€238▲
2023 · €153
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,273 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.1%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,273 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €9,700 | €153 | €238 | ▲ 54.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36 | €203 | €1,504 | €7,368 | ▲ 390% |
| Other operating charges640/8 | - | €4,500 | €468 | €1,251 | ▲ 168% |
| Gross operating margin9900 | -€8,219 | €38,295 | €24,483 | €12,308 | ▼ 49.7% |
| Operating profit (loss)9901 | -€8,256 | €23,892 | €22,358 | €3,451 | ▼ 84.6% |
| Financial charges65/66B | €478 | €83 | €98 | €199 | ▲ 103% |
| Recurring financial charges65 | €478 | €83 | €98 | €199 | ▲ 103% |
| Profit (loss) for the period before taxes9903 | -€8,734 | €23,809 | €22,260 | €3,252 | ▼ 85.4% |
| Income taxes67/77 | - | - | €2,000 | - | - |
| Profit (loss) for the period9904 | -€8,734 | €23,809 | €20,260 | €3,252 | ▼ 83.9% |
| Profit (loss) for the period to be appropriated9905 | -€8,734 | €23,809 | €20,260 | €3,252 | ▼ 83.9% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €6,351 | €34,861 | €56,205 | €204,334 | ▲ 264% |
| Fixed assets21/28 | €264 | €2,318 | €5,099 | €19,917 | ▲ 291% |
| Tangible fixed assets22/27 | €264 | €2,318 | €5,099 | €19,617 | ▲ 285% |
| Plant, machinery and equipment23 | - | €1,276 | €4,004 | €3,758 | ▼ 6.1% |
| Furniture and vehicles24 | €264 | €1,042 | €1,095 | €15,859 | ▲ 1,348% |
| Financial fixed assets28 | - | - | - | €300 | - |
| Current assets29/58 | €6,088 | €32,543 | €51,106 | €184,417 | ▲ 261% |
| Amounts receivable within one year40/41 | €5,682 | €13,095 | €41,056 | €86,070 | ▲ 110% |
| Trade receivables40 | €5,682 | €13,095 | €35,557 | €62,255 | ▲ 75.1% |
| Other amounts receivable41 | - | - | €5,499 | €23,814 | ▲ 333% |
| Cash at bank and in hand54/58 | €406 | €19,448 | €10,014 | €96,537 | ▲ 864% |
| Deferred charges and accrued income490/1 | - | - | €35 | €1,810 | ▲ 5,000% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €6,351 | €34,861 | €56,205 | €204,334 | ▲ 264% |
| Equity10/15 | -€8,234 | €15,575 | €35,834 | €39,087 | ▲ 9.1% |
| Contributions10/11 | €500 | €500 | €500 | €500 | = |
| Reserves13 | - | - | €20,000 | €20,000 | = |
| Distributable reserves133 | - | - | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | -€8,734 | €15,075 | €15,334 | €18,587 | ▲ 21.2% |
| Amounts payable17/49 | €14,585 | €19,286 | €20,370 | €165,247 | ▲ 711% |
| Amounts payable within one year42/48 | €14,585 | €19,286 | €20,370 | €88,523 | ▲ 335% |
| Trade debts44 | €774 | €2,057 | €4,190 | €41,422 | ▲ 889% |
| Suppliers440/4 | €774 | €2,057 | €4,190 | €41,422 | ▲ 889% |
| Advances received on contracts in progress46 | €5,698 | €5,730 | €6,730 | €39,711 | ▲ 490% |
| Taxes, remuneration and social security45 | €1,402 | €11,499 | €9,451 | €7,391 | ▼ 21.8% |
| Taxes450/3 | €1,402 | €9,160 | €8,475 | €5,661 | ▼ 33.2% |
| Remuneration and social security454/9 | - | €2,339 | €975 | €1,730 | ▲ 77.4% |
| Other amounts payable47/48 | €6,712 | - | - | €0 | - |
| Accrued charges and deferred income492/3 | - | - | - | €76,724 | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,734 | €23,809 | €20,260 | €3,252 | ▼ 83.9% |
| + Depreciation and write-downs630 | €36 | €203 | €1,504 | €7,368 | ▲ 390% |
| Operating cash flow (approximation) | -€8,698 | €24,012 | €21,764 | €10,620 | ▼ 51.2% |
| Investment in fixed assets (approximation) | - | -€2,257 | -€4,285 | -€22,186 | ▼ 418% |
| Change in cash | - | €19,042 | -€9,434 | €86,523 | ▲ 1,017% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 120 days late
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 253 days late
2024
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 277 days late
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 642 days late
2022
31-12
Financial
Back to profitnet €23,809
Net result €23,809 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.69
Current ratio from 0.42 to 1.69.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Wasseiges · 1 establishment unit since 2021
Ground area
626 m²
Building footprint
72 m²
Volume, LiDAR
534 m³
Parcel 64003B0075/00W002, Wallonia · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BM RENO CONSTRUCT
since 20212.385.347.289
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64003B0075/00W002 | Wallonia | 626 m² | 1 · 72 m² | 9.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,583 companies in sector 49410 we hold annual accounts for 8,204. 5,798 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43350Other building finishing work
49410Freight transport by road
46170Agents in the wholesale of food, beverages and tobacco
46180Agents specialised in the wholesale of other particular products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0768625030
Also
9925:BE0768625030
Registered
02-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.