DECO-RENOV
ActiveDECO-RENOV has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €2k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 7415 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+22
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 16.14 against 3.89 in 2024; short-term debt: 6.2% and cash: 1% of total assets), and 6.2% 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
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 · 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
93.8%
Return on assets
5%
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 31-08-2026, 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
30 d late
2022
31 d late
2021
29 d late
2020
90 d late
2019
105 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▲ 5.6%
2024 · €43k
2018: €5k
2019: €8k
2020: €15k
2021: €19k
2022: €29k
2023: €45k
2024: €43k
2018 → 2025
Total assets
€48k▼ 14.8%
2024 · €57k
2018: €20k
2019: €41k
2020: €99k
2021: €30k
2022: €38k
2023: €60k
2024: €57k
2018 → 2025
Net result
€2k
2024 · €-2k
2018: €6k
2019: €3k
2020: €6k
2021: €4k
2022: €10k
2023: €16k
2024: €-2k
2018 → 2025
Working capital
€45k▲ 13.1%
2024 · €40k
2018: €-9k
2019: €-2k
2020: €-6k
2021: €-1k
2022: €18k
2023: €39k
2024: €40k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€29k▲ 51.6%€45k▲ 55.8%€43k▼ 5.3%€45k▲ 5.6%
Operating result€7k-€15k▲ 122%€26k▲ 67.0%€-2k€3k
Net result€4k-€10k▲ 128%€16k▲ 64.1%€-2k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€226▼ 92.6%
Current assets
€48k▼ 10.4%
Equity and liabilities €48k
Equity
€45k▲ 5.6%
Debt
€3k▼ 78.4%
The debt ratio falls from 24.4% to 6.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €2k
Cash flow
€5k▲
2024 · €1k
Solvency
93.8%▲
2024 · 75.6%
Current ratio
16.14▲
2024 · 3.89
Quick ratio
15.35▲
2024 · 3.69
Debt / equity
0.07▼
2024 · 0.32
ROE
5.3%▲
2024 · -5.6%
ROA
5.0%▲
2024 · -4.2%
Interest coverage
26.28▲
2024 · 4.69
Debt
€3k▼
2024 · €14k
Debt ≤ 1 year
€3k▼
2024 · €14k
Income taxes
€685▲
2024 · €161
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€57k€48k▼
Fixed assets21/28€3k€226▼
Tangible fixed assets22/27€3k€226▼
Plant, machinery and equipment23€3k€226▼
Furniture and vehicles24€0€0=
Current assets29/58€54k€48k▼
Stocks and contracts in progress3€3k€2k▼
Stocks30/36€3k€2k▼
Amounts receivable within one year40/41€50k€44k▼
Trade receivables40€698€5k▲
Other amounts receivable41€49k€39k▼
Cash at bank and in hand54/58€170€489▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€57k€48k▼
Equity10/15€43k€45k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€26k€29k▲
Distributable reserves133€26k€29k▲
Profit (loss) carried forward14€-2k€-2k▲
Amounts payable17/49€14k€3k▼
Amounts payable within one year42/48€14k€3k▼
Trade debts44€2k€124▼
Suppliers440/4€2k€124▼
Taxes, remuneration and social security45€10k€813▼
Taxes450/3€10k€813▼
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€399▼
Gross operating margin9900€4k€7k▲
Operating profit (loss)9901€-2k€3k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€349€235▼
Recurring financial charges65€349€235▼
Profit (loss) for the period before taxes9903€-2k€3k▲
Income taxes67/77€161€685▲
Profit (loss) for the period9904€-2k€2k▲
Profit (loss) for the period to be appropriated9905€-2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€93▲
Profit (loss) brought forward from the previous period14P€62€-2k▼
Transfer to equity691/2-€2k
To other reserves6921-€2k
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 16.14
Current ratio from 3.89 to 16.14; short-term debt falls from €14k to €3k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼115%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €16k ▲64.1%
Operating result €26k, net result €16k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 2.93
Current ratio from 0.88 to 2.93; short-term debt falls from €11k to €9k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 105 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 71 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 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, Ciney · 1 establishment unit since 1984
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 du Sequoia 25590 CineyGround area
528 m²
Building footprint
88 m²
Parcel 91030D0167/00H013, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Sequoia 2, 5590 Ciney
since 19842.024.058.418
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030D0167/00H013 | Wallonia | 528 m² | 1 · 88 m² | - |
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.
Similar companies · same sector, comparable size
Jimmy & Wout Construct
BE 0770.381.918
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Van Rayen Construct
BE 1014.831.618
Antwerpen · Eq €45k
RML CONSTRUCTION
BE 0794.230.951
Hamois · Eq €45k
LEMMENS - SOETEMANS
BE 0802.155.158
Kasterlee · Eq €45k
ENEGREEN
BE 0880.918.960
Ukkel · Eq €45k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1983
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.