JW RENOV
ActiveSummary
The computed 12-month bankruptcy probability of JW RENOV is 2.3% (moderate). The 2025 annual accounts show equity of €37k and a net result of €21k. Its solvency ranks better than 75% of 7777 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency91▲+22
Growth78
Track record82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 0.63 in 2024; short-term debt: 34.2% and cash: 15.4% of total assets), and 34.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 43
Relative position
BE, all sectors
reference
Sector 43
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
65.8%
Return on assets
37.2%
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 22-08-2026, 22 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 · 2 filingsDeviation from the deadline
2025
22 d late
2024
27 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€37k▲ 130%
2024 · €16k
2024: €16k
2024 → 2025
Total assets
€56k▲ 53.7%
2024 · €37k
2024: €37k
2024 → 2025
Net result
€21k▲ 43.8%
2024 · €15k
2024: €15k
2024 → 2025
Working capital
€5k
2024 · €-8k
2024: €-8k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€16k-€37k▲ 130%
Operating result€22k-€27k▲ 22.2%
Net result€15k-€21k▲ 43.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56k
Fixed assets
€32k ▲ 34.8%
Current assets
€24k ▲ 88.0%
Equity and liabilities €56k
Equity
€37k ▲ 130%
Debt
€19k ▼ 6.2%
Debt's share of the balance-sheet total falls from 56.1% to 34.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €27k
Cash flow
€27k▲
2024 · €19k
Current ratio
1.27▲
2024 · 0.63
Quick ratio
1.22▲
2024 · 0.58
Debt to equity
0.52▼
2024 · 1.28
ROE
56.6%▼
2024 · 90.7%
ROA
37.2%▼
2024 · 39.8%
Interest coverage
272.88▼
2024 · 692.18
Debt ≤ 1 year
€19k▼
2024 · €21k
Income taxes
€7k▼
2024 · €8k
Staff costs
€758
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€37k€56k▲
Fixed assets21/28€24k€32k▲
Intangible fixed assets21€80€60▼
Tangible fixed assets22/27€23k€32k▲
Plant, machinery and equipment23€2k€5k▲
Furniture and vehicles24€21k€26k▲
Current assets29/58€13k€24k▲
Stocks and contracts in progress3€1k€1k▲
Stocks30/36€1k€1k▲
Amounts receivable within one year40/41€6k€13k▲
Trade receivables40€3k€11k▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€4k€9k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€37k€56k▲
Equity10/15€16k€37k▲
Contributions10/11€2k€2k=
Outside capital11€2k€2k=
Other1109/19€2k€2k=
Profit (loss) carried forward14€15k€35k▲
Amounts payable17/49€21k€19k▼
Amounts payable within one year42/48€21k€19k▼
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€9k€12k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9€600€2k▲
Other amounts payable47/48€6k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€758
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€7k€4k▼
Gross operating margin9900€33k€38k▲
Operating profit (loss)9901€22k€27k▲
Financial income75/76B€54€419▲
Recurring financial income75€54€419▲
Financial charges65/66B€38€122▲
Recurring financial charges65€38€122▲
Profit (loss) for the period before taxes9903€22k€27k▲
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€15k€21k▲
Profit (loss) for the period to be appropriated9905€15k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€35k▲
Profit (loss) brought forward from the previous period14P-€15k
The notes to these accounts (7 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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 22 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 1.27
Current ratio from 0.63 to 1.27; short-term debt falls from €21k to €19k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Braine-le-Comte · 1 establishment unit since 2023
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 des Combattants 117090 Braine-le-ComteGround area
207 m²
Building footprint
52 m²
Parcel 55036B0205/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue des Combattants 11, 7090 Braine-le-Comte
since 20232.353.211.387
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55036B0205/00G000 | Wallonia | 207 m² | 1 · 52 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
U&K
BE 0802.201.876
Boom · Eq €36,843
AQUA TECH PRO
BE 0824.608.480
Schaarbeek · Eq €36,732
Gimax
BE 0743.391.568
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BREUGELMANS VERWARMING & SANITAIR
BE 0597.802.981
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VDW
BE 0716.797.435
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Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 2,845 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.