Naessens Reno

Active

Private limited companyfounded 20215 yrs activeBosstraatje 37, 9270 Laarne, BelgiumKBO/BCE: BE 0765.707.310

The computed 12-month bankruptcy probability of Naessens Reno is 2.2% (moderate). The 2025 annual accounts show equity of €57k and a net result of €7k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 27711 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

64 / 100

Healthy

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

Axes · tick = 2024

Profitability77▼-3

Solvency75▲+7

Growth78=

Track record94

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 1.62 against 1.42 in 2024; short-term debt: 40.7% and cash: 20.3% of total assets), but 50.3% 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

Six 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 →

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

49.7%

Return on assets

6.3%

Age of the figures

15 mo

A punctual record breaks

This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-02-2026, 10 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.

NBB · 5 filings

Deviation from the deadline

2025

10 d late

2024

25 d early

2023

1 d early

2022

1 d early

2021

on the day

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close21-09-2026 today31-01-2027 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

€57k▲ 14.4%

2024 · €50k

2021: €28k 2022: €29k 2023: €39k 2024: €50k

2021 → 2025

Total assets

€114k▼ 0.4%

2024 · €115k

2021: €47k 2022: €48k 2023: €97k 2024: €115k

2021 → 2025

Net result

€7k▼ 30.4%

2024 · €10k

2021: €3k 2022: €11k 2023: €10k 2024: €10k

2021 → 2025

Working capital

€29k▲ 44.6%

2024 · €20k

2021: €26k 2022: €14k 2023: €19k 2024: €20k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€28k-€29k▲ 2.3%€39k▲ 35.6%€50k▲ 26.1%€57k▲ 14.4%

Operating result€5k-€15k▲ 203%€13k▼ 11.4%€17k▲ 28.6%€12k▼ 28.9%

Net result€3k-€11k▲ 207%€10k▼ 2.7%€10k▼ 0.7%€7k▼ 30.4%

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 29% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €114k

34.1%

65.9%

Fixed assets €39k▼ 18.7%

Current assets €75k▲ 12.7%

Equity and liabilities €114k

49.7%

50.3%

Equity €57k▲ 14.4%

Debt €58k▼ 11.7%

The debt ratio falls from 56.7% to 50.3%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€24k▼

2024 · €27k

Cash flow

€19k▼

2024 · €20k

Solvency

49.7%▲

2024 · 43.3%

Current ratio

1.62▲

2024 · 1.42

Quick ratio

1.47▲

2024 · 1.26

Debt / equity

1.01▼

2024 · 1.31

ROE

12.6%▼

2024 · 20.7%

ROA

6.3%▼

2024 · 9.0%

Interest coverage

24.11▼

2024 · 25.09

Debt

€58k▼

2024 · €65k

Debt ≤ 1 year

€47k▼

2024 · €47k

Debt > 1 year

€11k▼

2024 · €17k

Income taxes

€5k▼

2024 · €6k

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€115k€114k▼

Fixed assets21/28€48k€39k▼

Tangible fixed assets22/27€48k€39k▼

Plant, machinery and equipment23€23k€22k▼

Furniture and vehicles24€25k€17k▼

Current assets29/58€67k€75k▲

Stocks and contracts in progress3€8k€7k▼

Stocks30/36€8k€7k▼

Amounts receivable within one year40/41€46k€43k▼

Trade receivables40€40k€39k▼

Other amounts receivable41€6k€5k▼

Cash at bank and in hand54/58€11k€23k▲

Deferred charges and accrued income490/1€2k€2k▼

Equity and liabilities

Total equity and liabilities10/49€115k€114k▼

Equity10/15€50k€57k▲

Contributions10/11€15k€15k=

Reserves13€35k€42k▲

Distributable reserves133€35k€42k▲

Amounts payable17/49€65k€58k▼

Amounts payable after more than one year17€17k€11k▼

Financial debts170/4€17k€11k▼

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

Current portion of amounts payable after more than one year42€7k€7k▲

Trade debts44€19k€21k▲

Suppliers440/4€19k€21k▲

Taxes, remuneration and social security45€8k€2k▼

Taxes450/3€7k€405▼

Remuneration and social security454/9€2k€2k▼

Other amounts payable47/48€13k€17k▲

Accrued charges and deferred income492/3€667€250▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲

Other operating charges640/8€454€867▲

Gross operating margin9900€28k€25k▼

Operating profit (loss)9901€17k€12k▼

Financial income75/76B€502€446▼

Recurring financial income75€502€446▼

Financial charges65/66B€1k€1k▼

Recurring financial charges65€1k€1k▼

Profit (loss) for the period before taxes9903€17k€12k▼

Income taxes67/77€6k€5k▼

Profit (loss) for the period9904€10k€7k▼

Profit (loss) for the period to be appropriated9905€10k€7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€10k€7k▼

Transfer to equity691/2€10k€7k▼

To other reserves6921€10k€7k▼

The notes to these accounts (11 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 31-01-2027

2026

10-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 10 days late

2025

06-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-06

Financial Highest result since 2021net €11k ▲207%

Net result €11k, the highest in the series.

31-01

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

2 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, Laarne · 1 establishment unit since 2021

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.

Bosstraatje 379270 Laarne

Ground area

959 m²

Building footprint

261 m²

Volume, LiDAR

1,117 m³

Parcel 42009C0994/00X000, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Naessens Reno

Bosstraatje 37, 9270 LaarneBricklaying and masonry work

since 20212.316.456.505

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
42009C0994/00X000	Flanders	959 m²	1 · 261 m²	8.2 m · 1 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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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,500 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-03-2021

Fiscal year end30-06

Activities, NACEBEL

43320Joinery installation

43410Roofing work

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.