FDV RENOVATION

Active

Private limited companyfounded 20205 yrs activeKeizerslaan 10, 1000 Brussel, BelgiumKBO/BCE: BE 0755.472.523

The computed 12-month bankruptcy probability of FDV RENOVATION is 3.7% (moderate). The 2025 annual accounts show equity of €32k and a net result of €5k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 27451 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

51 / 100

Fair

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

Axes · tick = 2024

Profitability57▼-22

Solvency65▲+13

Growth52=

Track record94

Bankruptcy probability, 12 months

3.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 1.65 against 1.36 in 2024; short-term debt: 59.9% and cash: 19.8% of total assets), but 59.9% 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 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: 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

40.1%

Return on assets

6.6%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-03-2026, 52 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

52 d early

2024

22 d early

2023

42 d early

2022

32 d early

2021

9 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

17-09-2026 today30-09-2026 close30-04-2027 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

Equity

€32k▼ 5.4%

2024 · €33k

2021: €23k 2022: €25k 2023: €29k 2024: €33k

2021 → 2025

Total assets

€79k▼ 36.1%

2024 · €124k

2021: €71k 2022: €54k 2023: €89k 2024: €124k

2021 → 2025

Net result

€5k▼ 51.0%

2024 · €11k

2021: €24k 2022: €3k 2023: €4k 2024: €11k

2021 → 2025

Working capital

€31k▼ 4.1%

2024 · €32k

2021: €22k 2022: €25k 2023: €29k 2024: €32k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€23k-€25k▲ 11.0%€29k▲ 14.3%€33k▲ 15.9%€32k▼ 5.4%

Operating result€31k-€4k▼ 87.0%€8k▲ 90.4%€17k▲ 126%€10k▼ 41.4%

Net result€24k-€3k▼ 89.7%€4k▲ 44.4%€11k▲ 192%€5k▼ 51.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 41% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €79k

99.0%

Fixed assets €776▼ 38.7%

Current assets €78k▼ 36.1%

Equity and liabilities €79k

40.1%

59.9%

Equity €32k▼ 5.4%

Debt €47k▼ 47.5%

The debt ratio falls from 72.9% to 59.9%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€10k▼

2024 · €17k

Cash flow

€6k▼

2024 · €11k

Solvency

40.1%▲

2024 · 27.1%

Current ratio

1.65▲

2024 · 1.36

Quick ratio

1.65▲

2024 · 1.31

Debt / equity

1.49▼

2024 · 2.69

ROE

16.4%▼

2024 · 31.6%

ROA

6.6%▼

2024 · 8.6%

Interest coverage

3.66▼

2024 · 5.89

Debt

€47k▼

2024 · €90k

Debt ≤ 1 year

€47k▼

2024 · €90k

Income taxes

€2k▼

2024 · €4k

Staff costs

€41k▲

2024 · €40k

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€124k€79k▼

Fixed assets21/28€1k€776▼

Tangible fixed assets22/27€1k€776▼

Plant, machinery and equipment23€1k€776▼

Current assets29/58€122k€78k▼

Stocks and contracts in progress3€4k-

Stocks30/36€4k-

Amounts receivable within one year40/41€69k€61k▼

Trade receivables40€57k€50k▼

Other amounts receivable41€12k€11k▼

Cash at bank and in hand54/58€22k€16k▼

Deferred charges and accrued income490/1€27k€1k▼

Equity and liabilities

Total equity and liabilities10/49€124k€79k▼

Equity10/15€33k€32k▼

Profit (loss) carried forward14€33k€32k▼

Amounts payable17/49€90k€47k▼

Amounts payable within one year42/48€90k€47k▼

Financial debts43-€3k

Credit institutions430/8-€3k

Trade debts44€78k€19k▼

Suppliers440/4€78k€19k▼

Taxes, remuneration and social security45€5k€18k▲

Taxes450/3€5k€5k▼

Remuneration and social security454/9-€13k

Other amounts payable47/48€7k€7k▲

Income statement Code20242025

Remuneration, social security and pensions62€40k€41k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€204€490▲

Other operating charges640/8€5k€3k▼

Gross operating margin9900€62k€55k▼

Operating profit (loss)9901€17k€10k▼

Financial income75/76B-€68

Recurring financial income75-€68

Financial charges65/66B€3k€3k▼

Recurring financial charges65€3k€3k▼

Profit (loss) for the period before taxes9903€14k€7k▼

Income taxes67/77€4k€2k▼

Profit (loss) for the period9904€11k€5k▼

Profit (loss) for the period to be appropriated9905€11k€5k▼

Appropriation of the result

Profit (loss) to be appropriated9906€39k€39k▼

Profit (loss) brought forward from the previous period14P€29k€33k▲

Profit to be distributed694/7€6k€7k▲

Return on contributions (dividend)694€6k€7k▲

The notes to these accounts (3 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 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 30-04-2027

2026

09-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

08-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

19-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

29-03

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-09

Financial Weakest financial yearnet €3k ▼89.7%

Net result drops to €3k, the lowest in the series; recovery starts the following year.

21-04

NBB filing Annual accounts filed

fiscal year 2021 · 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, Brussel · 1 establishment unit since 2020

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.

Keizerslaan 101000 Brussel

Ground area

886 m²

Building footprint

737 m²

Volume, LiDAR

13,425 m³

2 parcels, Brussels · tallest building 27.7 m, ±8 floors. Linked by address, not a title deed.

1 establishment unit

FDV RENOVATION

Civil engineering

since 20202.307.767.085

2 parcels

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21808H1778/00D000	Brussels	670 m²	1 · 488 m²	27.7 m · 8 fl.
21526D0146/00L002	Brussels	215 m²	1 · 249 m²	15.8 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.

Similar companies · same sector, comparable size

RDK Algemene dak & bouwwerken

Of 4,095 companies in sector 43240 we hold annual accounts for 1,631. 1,246 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded30-09-2020

Fiscal year end30-09

Activities, NACEBEL

43240Other construction installation

43299Specialised construction activities

43990Other specialised construction activities

43995Specialised construction activities

43230Insulation installation

43291Specialised construction activities

43910Bricklaying and masonry work

43994Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.