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Complete company report
Generated 05-07-2026
Active BE 0420.124.321Private limited company

Jacques Renard

Chaussée de Hal 26 ·1400 Nivelles, Belgium· 46 yrs active
Sector: Wholesale trade (46432)
Conclusion Checked

The computed 12-month bankruptcy probability of Jacques Renard is 0.5% (very low). The 2025 annual accounts show equity of €36k and a net result of €-4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.
Key figures
Equity €36k
Net result €-4k
Active 46 yrs
Locations 1
Snowflake analysis 5 axes · computed by Checked
Health52Profitability0Solvency90Growth78Stability100
64 / 100

Strong profile, led by stability.

Health 52
Profitability 0
Solvency 90
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources — not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1979 — 46 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
52 / 100 Fair
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 26-03-2026 with the NBB · fiscal year 2025 · volledig
€-20k€0€20k€40kOperating result 2021: €14k€14kNet result 2021: €13k€13kOperating result 2022: €35k€35kNet result 2022: €35k€35kOperating result 2023: €8k€8kNet result 2023: €5k€5kOperating result 2024: €34k€34kNet result 2024: €28k€28kOperating result 2025: €-6k€-6kNet result 2025: €-4k€-4k20212022202320242025
Operating resultNet result
EBITDA
€-4k
— far below sector median
Net profit
€-4k
— far below sector median
Cash flow
€-2k
— far below sector median
Total assets
€58k
-29.7% -56% vs sector
Equity
€36k
-10.4% -8% vs sector
Working capital
€9k
-78.6% -64% vs sector
Income taxes
€176
-96.1% -97% vs sector
Debt
€23k
-47.7% -66% vs sector
Debt ≤ 1y
€15k
-24.4% -74% vs sector
Debt > 1y
€8k
-67.2% -58% vs sector
Current ratio
1.61
-49.1% +12% vs sector
Quick ratio
1.23
-58.6% +12% vs sector
Solvency
61.3%
+27.5% +160% vs sector
Debt / equity
0.63
-41.6% -81% vs sector
ROE
-11.6%
— far below sector median
ROA
-7.1%
— far below sector median
Interest coverage
-1.55
— far below sector median
Figures by fiscal year
Fiscal year2025
Revenue—
EBITDA€-4k
Net profit€-4k
Cash flow€-2k
Staff costs—
Income taxes€176
Dividends—
Total assets€58k
Equity€36k
Debt€23k
of which ≤ 1y€15k
of which > 1y€8k
Working capital€9k
Employees (FTE)—
Ratios (computed)
2025
Current ratio1.61
Quick ratio1.23
Working capital ratio15.6%
Solvency61.3%
Debt / equity0.63
Long-term debt ratio0.21
Interest coverage-1.55
Gross margin—
Net margin—
ROA-7.1%
ROE-11.6%
EBITDA margin—
Days sales outstanding—
Days payable outstanding—
Inventory turnover—
Days inventory (DSI)—
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet — Assets
TOTAL ASSETS 20/58€58k
Fixed assets 21/28€34k
Tangible fixed assets 22/27€15k
Financial fixed assets 28€19k
Current assets 29/58€24k
Stocks & contracts in progress 3€6k
Amounts receivable within one year 40/41€12k
Cash & bank 54/58€4k
Balance sheet — Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€58k
Equity 10/15€36k
Contributions / capital 10/11€5k
Reserves 13€36k
Accumulated profits (losses) 14€-5k
Amounts payable 17/49€23k
Amounts payable after one year 17€8k
Amounts payable within one year 42/48€15k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€-4k
Operating result 9901€-6k
Financial income 75€5k
Financial charges 65€3k
Result before taxes 9903€-4k
Income taxes 67/77€176
Net result for the period 9904€-4k
Result to be appropriated 9905€-4k
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Ratios computed by Checked.
Legal Structure
NACE primary Wholesale trade(46432)
Legal form Private limited company(610)
Incorporation14-12-1979
StatusActive
Postal code1400
Establishment units 1 location
Rue du Try(W-B) 30, 1440 Braine-le-Château
Groothandel in foto- en filmapparatuur en in andere optische artikelen
since 19802.021.693.893
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates — not a deeds register.

Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25111A0447/00A004 Wallonia 1,719 m² 1 · 262 m² 9.5 m · 1 fl.
25072B0346/00E005 Wallonia 493 m² 1 · 147 m² 7.1 m · 2 fl.
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.
Updates 11 events

A single timeline of everything that happened to this company — publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
26-03-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
07-03-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
14-05-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
05-12-2023
State Gazette act Minor change
Agm rescheduling · Olivier Waterkeyn
30-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
14-04-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
29-06-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
07-07-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
05-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
22-06-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
06-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
Belgisch Staatsblad — acts 1 acts
All acts · 1 updated 2 years ago
2023
05-12-2023 Publication in the Belgian Official Gazette — Minor change Minor change·Olivier Waterkeyn
Summary: Agm reschedulingNotary: Olivier Waterkeyn · Waterloo
Technical details 
{
  "notary": {
    "name": "Olivier Waterkeyn",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Waterloo",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2023-12-05",
    "filing_date": "2023-12-01",
    "act_kind_objet": "MODIFICATION FORME JURIDIQUE, OBJET, ASSEMBLEE"
  },
  "decision": {
    "body": "assembl\u00E9e generale extraordinaire",
    "date": "2023-11-03",
    "unanimous": true
  },
  "agm_change": null,
  "detected_kind": "agm_rescheduling",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0420.124.321",
    "name_full": "JACQUES RENARD",
    "legal_form": "SRL"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "une exp\u00E9dition de l\u2019acte"
  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Groothandel in foto- en filmapparatuur en in andere optische artikelen46432Groothandel in foto- en filmapparatuur en in andere optische artikelen46433Groothandel in foto- en filmapparatuur en in overige optische artikelen51473
Primary activity highlighted.
Names & trade names
Legal nameFR Jacques Renard
Registered office
Chaussée de Hal 26
1400 Nivelles, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative