F M Reno

Active

Private limited companyfounded 20224 yrs activeIndustrielaan 9, 1070 Anderlecht, BelgiumKBO/BCE: BE 0785.725.635

The computed 12-month bankruptcy probability of F M Reno is 3.2% (moderate). The 2025 annual accounts show equity of €335k and a net result of €145k. Equity is growing by ~49.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 7331 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

79 / 100

Excellent

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

Axes · tick = 2024

Profitability100=

Solvency89▼-11

Growth85=

Track record94

Bankruptcy probability, 12 months

3.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days acceptable

Liquidity ample (current ratio 24.24 against 24.45 in 2024; short-term debt: 3.8% and cash: 76.8% of total assets), and 36.1% 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.

−lowers risk+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 region

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

KBO · registered office

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

63.9%

Return on assets

27.6%

Age of the figures

9 mo

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 · 4 filings

Deviation from the deadline

2025

31 d late

2024

19 d late

2023

on the day

2022

29 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Turnover

€566k▲ 419%

2022 · €109k

2022: €109k

2022 → 2023

EBIT margin

39.7%▲ 1.3pp

2022 · 38.4%

2022: 38.4%

2022 → 2023

Net result

€145k▼ 19.8%

2024 · €180k

2022: €31k 2023: €175k 2024: €180k

2022 → 2025

Working capital

€461k▲ 22.5%

2024 · €377k

2022: €26k 2023: €203k 2024: €377k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Turnover€109k-€566k▲ 419%

Equity€41k-€216k▲ 423%€395k▲ 82.5%€335k▼ 15.1%

Operating result€42k-€225k▲ 437%€259k▲ 15.1%€208k▼ 19.7%

Net result€31k-€175k▲ 457%€180k▲ 3.2%€145k▼ 19.8%

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 20% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €525k

91.6%

Fixed assets €44k▲ 141%

Current assets €481k▲ 22.5%

Equity and liabilities €525k

63.9%

36.1%

Equity €335k▼ 15.1%

Debt €190k▲ 1,082%

The debt ratio rises from 3.9% to 36.1%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€215k▼

2024 · €265k

Cash flow

€152k▼

2024 · €186k

Solvency

63.9%▼

2024 · 96.1%

Current ratio

24.24▼

2024 · 24.45

Quick ratio

24.07▼

2024 · 24.45

Debt / equity

0.57▲

2024 · 0.04

ROE

43.2%▼

2024 · 45.7%

ROA

27.6%▼

2024 · 43.9%

Interest coverage

395.81▼

2024 · 596.96

Debt

€190k▲

2024 · €16k

Debt ≤ 1 year

€20k▲

2024 · €16k

Debt > 1 year

€170k

Income taxes

€63k▼

2024 · €79k

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€411k€525k▲

Fixed assets21/28€18k€44k▲

Tangible fixed assets22/27€11k€33k▲

Plant, machinery and equipment23€5k€4k▼

Furniture and vehicles24€6k€29k▲

Financial fixed assets28€7k€11k▲

Current assets29/58€393k€481k▲

Stocks and contracts in progress3-€4k

Stocks30/36-€3k

Contracts in progress37-€493

Amounts receivable within one year40/41€79k€73k▼

Trade receivables40€72k€65k▼

Other amounts receivable41€7k€7k▲

Cash at bank and in hand54/58€313k€403k▲

Deferred charges and accrued income490/1€1k€2k▲

Equity and liabilities

Total equity and liabilities10/49€411k€525k▲

Equity10/15€395k€335k▼

Contributions10/11€10k€10k=

Reserves13€180k€325k▲

Distributable reserves133€180k€325k▲

Profit (loss) carried forward14€204k€0▼

Amounts payable17/49€16k€190k▲

Amounts payable after more than one year17-€170k

Other amounts payable178/9-€170k

Amounts payable within one year42/48€16k€20k▲

Trade debts44€5k€2k▼

Suppliers440/4€5k€2k▼

Advances received on contracts in progress46€0-

Taxes, remuneration and social security45€11k€18k▲

Taxes450/3€11k€18k▲

Other amounts payable47/48€0-

Accrued charges and deferred income492/3-€0

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲

Other operating charges640/8€384€1k▲

Non-recurring operating charges66A€0-

Gross operating margin9900€265k€216k▼

Operating profit (loss)9901€259k€208k▼

Financial income75/76B€2k€377▼

Recurring financial income75€2k€377▼

Financial charges65/66B€443€542▲

Recurring financial charges65€443€542▲

Profit (loss) for the period before taxes9903€260k€208k▼

Income taxes67/77€79k€63k▼

Profit (loss) for the period9904€180k€145k▼

Profit (loss) for the period to be appropriated9905€180k€145k▼

Appropriation of the result

Profit (loss) to be appropriated9906€385k€349k▼

Profit (loss) brought forward from the previous period14P€204k€204k=

Transfer to equity691/2€180k€145k▼

To other reserves6921€180k€145k▼

Profit to be distributed694/7-€204k

Return on contributions (dividend)694-€204k

The notes to these accounts (17 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 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

19-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 19 days late

2024

31-12

Financial Highest result since 2022net €180k ▲3.2%

Operating result €259k, net result €180k, both a record.

31-12

Financial Liquidity times 7current ratio 24.45

Current ratio from 3.42 to 24.45; short-term debt falls from €84k to €16k.

31-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

31-12

Financial Equity above €200kEq €216k ▲423%

2 profitable years in a row build equity to €216k.

02-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

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

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, Anderlecht · 1 establishment unit since 2022

establishment 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.

Industrielaan 91070 Anderlecht

Ground area

1.0 ha

Building footprint

4,653 m²

Volume, LiDAR

73,760 m³

2 parcels, Brussels, Wallonia · tallest building 28.4 m, ±7 floors. Linked by address, not a title deed.

1 establishment unit

F M Reno

Rue de Nalinnes 368, 6001 CharleroiGeneral construction of buildings

since 20222.334.783.070

2 parcels

Wallonia 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21306C0289/00B004	Brussels	9,782 m²	1 · 4,538 m²	28.4 m · 7 fl.
52392C0707/00R000	Wallonia	233 m²	1 · 114 m²	-

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

8 categories

F M Reno BV43365

category D, class 1 · category D1, class 1 · category D10, class 1 · category D12, class 1 · category D13, class 1 · category D22, class 1 · category D4, class 1 · category D8, class 1

decision 05-03-2024