Financials
- Fiscal year
- 2025
- Total assets
- €632,048
- Loss
- -€37,359
- Solvency
- 15.0%
Total assets▲ 7.0%
Net result
20182025
IVD-Reno
ActiveSummary
IVD-Reno has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94,566 and a net result of -€37,359. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 18% of 32341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Floor and wall tiling
NACE 43331General construction of residential buildings NACE 41001General construction of buildings NACE 41201
1 site
Size
€632,048total assets 2025
- Staff
- 1 FTE
- Equity
- €94,566
- Loss
- -€37,359
Turnover not published (abridged schema)
Structure
Accounts 8 d early0 of 3 deeds read
Why 68- Sector Specialised construction activities (NACE 43)- Loss of €37,359 (FY 2025)- Equity €94,566 (15.0% of total assets)+ Size: total assets €632,048Show the evidence
Checked score
Score 2025
68
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 18% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
40-7
equity 15.0% of total assets
Liquidity
39-7
short-term debt 30.0% · cash 0.9%
Profitability
11-65
return on assets -5.9%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.7%
12-2024: 0.7%● 0.0% vs 11-2024
01-2025: 0.7%▼ -0.6% vs 12-2024
02-2025: 0.7%▲ +2.3% vs 01-2025
03-2025: 0.7%▼ -0.6% vs 02-2025
04-2025: 0.7%● 0.0% vs 03-2025
05-2025: 0.7%▲ +5.0% vs 04-2025
06-2025: 0.7%▲ +3.7% vs 05-2025
07-2025: 0.8%▲ +17.3% vs 06-2025
08-2025: 1.2%▲ +37.9% vs 07-2025highest value
09-2025: 0.6%▼ -47.1% vs 08-2025
10-2025: 0.6%● 0.0% vs 09-2025
11-2025: 0.6%● 0.0% vs 10-2025
12-2025: 0.6%● 0.0% vs 11-2025
01-2026: 0.6%▼ -0.6% vs 12-2025
02-2026: 0.7%▲ +5.8% vs 01-2026
03-2026: 0.6%▼ -0.6% vs 02-2026
04-2026: 0.7%▲ +1.1% vs 03-2026
05-2026: 0.7%▲ +0.6% vs 04-2026
06-2026: 0.7%▲ +0.3% vs 05-2026
07-2026: 0.7%▲ +5.0% vs 06-2026
08-2026: 0.6%▼ -14.3% vs 07-2026lowest value
09-2026: 0.6%● 0.0% vs 08-2026lowest value
10-2026: 0.6%● 0.0% vs 09-2026lowest value
- Size: total assets €632,048 lowers the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
- Loss of €37,359 (FY 2025) raises the probability
- Equity €94,566 (15.0% of total assets) raises the probability
Credit up to €6,000 at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.77 in 2024; short-term debt: 30% and cash: 0.9% of total assets), and 85% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 17%, liquidity 27%, profitability 12%, growth against the median 14%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 32341 sector peers (2025).
NBB · sector comparisonPosition among 32341 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
29 d late
2023
27 d late
2022
42 d late
2021
23 d late
2020
16 d late
2019
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€37,359
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 14
- Since
- 2017
- Next accounts
- by 31-07-2027
- 23-07-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 29-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Floor and wall tilingNACE 43331
- Founded
- 03-07-2008
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.