Marco Renovatie
ActiveThe computed 12-month bankruptcy probability of Marco Renovatie is 3.8% (moderate). The 2025 annual accounts show negative equity (€-756) and a net result of €-8k. Equity is shrinking by ~52.8% per year across the filed fiscal years. Its solvency ranks better than 9% of 27450 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-3
Solvency23▼-15
Growth55=
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.74 against 0.84 in 2024; short-term debt: 64.6% and cash: 21.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-1.7%
Return on assets
-18.1%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-756
neutral · 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 filingsDeviation from the deadline
2025
31 d late
2024
32 d late
2023
61 d late
2022
30 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€186k▼ 25.4%
2024 · €250k
2022: €39k
2023: €169k
2024: €250k
2022 → 2025
EBIT margin
-3.9%▼ 3.4pp
2024 · -0.5%
2022: 17.6%
2023: 0.3%
2024: -0.5%
2022 → 2025
Net result
€-8k▼ 31.8%
2024 · €-6k
2022: €7k
2023: €499
2024: €-6k
2022 → 2025
Working capital
€-8k▼ 61.3%
2024 · €-5k
2022: €8k
2023: €-4k
2024: €-5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€39k-€169k▲ 328%€250k▲ 47.6%€186k▼ 25.4%
Equity€13k-€13k▲ 3.9%€7k▼ 45.6%€-756
Operating result€7k-€546▼ 92.1%€-1k€-7k▼ 485%
Net result€7k-€499▼ 92.8%€-6k€-8k▼ 31.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €1k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€23k▼ 31.6%
Current assets
€21k▼ 11.9%
Key figures and ratios
EBITDA
€4k▼
2024 · €10k
Cash flow
€3k▼
2024 · €5k
Solvency
-1.7%▼
2024 · 12.6%
Current ratio
0.74▼
2024 · 0.84
Quick ratio
0.74▼
2024 · 0.84
ROA
-18.1%▼
2024 · -10.5%
Interest coverage
4.26▲
2024 · 3.74
Debt
€45k▼
2024 · €51k
Debt ≤ 1 year
€29k▲
2024 · €29k
Debt > 1 year
€16k▼
2024 · €22k
Staff costs
€79k▼
2024 · €105k
Equity ratios withheld: equity of €-756 is too small for a meaningful ratio.
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€58k€44k▼
Fixed assets21/28€34k€23k▼
Tangible fixed assets22/27€34k€23k▼
Plant, machinery and equipment23€619€619=
Furniture and vehicles24€5k€2k▼
Leasing and similar rights25€28k€21k▼
Current assets29/58€24k€21k▼
Amounts receivable within one year40/41€22k€12k▼
Trade receivables40€17k€8k▼
Other amounts receivable41€4k€4k▼
Cash at bank and in hand54/58€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€58k€44k▼
Equity10/15€7k€-756▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€1k€-7k▼
Amounts payable17/49€51k€45k▼
Amounts payable after more than one year17€22k€16k▼
Financial debts170/4€22k€16k▼
Amounts payable within one year42/48€29k€29k▲
Current portion of amounts payable after more than one year42€904-
Financial debts43€28k€29k▲
Credit institutions430/8€28k-
Other loans439-€29k
Income statement
Code20242025
Turnover70€250k€186k▼
Goods, raw materials, services and sundry goods60/61€133k€98k▼
Remuneration, social security and pensions62€105k€79k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€2k€6k▲
Gross operating margin9900€116k€89k▼
Operating profit (loss)9901€-1k€-7k▼
Financial income75/76B€28-
Recurring financial income75€28-
Financial charges65/66B€3k€831▼
Recurring financial charges65€3k€831▼
Profit (loss) for the period before taxes9903€-4k€-8k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€-6k€-8k▼
Profit (loss) for the period to be appropriated9905€-6k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-7k▼
Profit (loss) brought forward from the previous period14P€7k€1k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 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, Antwerpen · 1 establishment unit since 2022
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.
Deken De Winterstraat 412600 AntwerpenGround area
401 m²
Building footprint
199 m²
Volume, LiDAR
1,719 m³
Parcel 11003A0356/00X011, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Deken De Winterstraat 41, 2600 Antwerpen
since 20222.335.833.244
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0356/00X011 | Flanders | 401 m² | 1 · 199 m² | 10.8 m · 3 fl. |
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.
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WATERCHAUFF
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Of 7,036 companies in sector 43221 we hold annual accounts for 3,468. 1,472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2022
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.