P & P Reno
ActiveSummary
The computed 12-month bankruptcy probability of P & P Reno is 1.8% (moderate). The 2025 annual accounts show equity of €32k and a net result of €4k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 92% of 1202 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-18
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 5.38 against 10.24 in 2024; short-term debt: 12.7% and cash: 47.8% of total assets), and 12.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 81
Relative position
BE, all sectors
reference
Sector 81
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
87.3%
Return on assets
10.4%
Age of the figures
9 mo
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 05-06-2026, 56 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
56 d early
2024
35 d early
2023
55 d early
2022
33 d early
2021
40 d early
2020
51 d early
← 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
€32k▼ 24.2%
2024 · €42k
2020: €25k
2021: €27k
2022: €28k
2023: €29k
2024: €42k
2020 → 2025
Total assets
€36k▼ 20.8%
2024 · €46k
2020: €50k
2021: €32k
2022: €35k
2023: €32k
2024: €46k
2020 → 2025
Net result
€4k▼ 71.3%
2024 · €13k
2020: €9k
2021: €3k
2022: €1k
2023: €55
2024: €13k
2020 → 2025
Working capital
€20k▼ 45.7%
2024 · €37k
2020: €23k
2021: €25k
2022: €21k
2023: €24k
2024: €37k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€28k▲ 4.1%€29k▲ 0.2%€42k▲ 46.3%€32k▼ 24.2%
Operating result€6k-€3k▼ 54.5%€1k▼ 46.9%€20k▲ 1,306%€6k▼ 68.1%
Net result€3k-€1k▼ 60.6%€55▼ 95.1%€13k▲ 23,945%€4k▼ 71.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€12k ▲ 143%
Current assets
€25k ▼ 39.8%
Equity and liabilities €36k
Equity
€32k ▼ 24.2%
Debt
€5k ▲ 14.7%
Debt's share of the balance-sheet total rises from 8.7% to 12.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€10k▼
2024 · €22k
Cash flow
€8k▼
2024 · €15k
Current ratio
5.38▼
2024 · 10.24
Debt to equity
0.15▲
2024 · 0.10
ROE
12.0%▼
2024 · 31.6%
ROA
10.4%▼
2024 · 28.9%
Interest coverage
40.40▲
2024 · 31.66
Debt ≤ 1 year
€5k▲
2024 · €4k
Income taxes
€3k▼
2024 · €6k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€46k€36k▼
Fixed assets21/28€5k€12k▲
Tangible fixed assets22/27€5k€12k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€10k▲
Current assets29/58€41k€25k▼
Amounts receivable within one year40/41€24k€4k▼
Trade receivables40€7k€1k▼
Other amounts receivable41€16k€3k▼
Cash at bank and in hand54/58€13k€17k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€46k€36k▼
Equity10/15€42k€32k▼
Contributions10/11€2k€2k=
Reserves13€40k€30k▼
Distributable reserves133€40k€30k▼
Amounts payable17/49€4k€5k▲
Amounts payable within one year42/48€4k€5k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3-€3k
Remuneration and social security454/9€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€23k€12k▼
Operating profit (loss)9901€20k€6k▼
Financial income75/76B€770€373▼
Recurring financial income75€770€373▼
Financial charges65/66B€684€247▼
Recurring financial charges65€684€247▼
Profit (loss) for the period before taxes9903€20k€6k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€13k€4k▼
Profit (loss) for the period to be appropriated9905€13k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€4k▼
Transfer from equity791/2-€14k
Transfer to equity691/2€13k€4k▼
To other reserves6921€13k€4k▼
Profit to be distributed694/7-€14k
Return on contributions (dividend)694-€14k
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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €13k ▲23945%
Operating result €20k, net result €13k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €55 ▼95.1%
Net result drops to €55, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 8.60
Current ratio from 4.23 to 8.60; short-term debt falls from €7k to €3k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 6.33
Current ratio from 1.88 to 6.33; short-term debt falls from €26k to €5k.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated 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, Retie · 1 establishment unit since 2018
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.
Hoekstraat 222470 RetieGround area
631 m²
Building footprint
157 m²
Volume, LiDAR
954 m³
Parcel 13632H0212/25K000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
P & P Reno
since 20182.281.109.705
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13632H0212/25K000 | Flanders | 631 m² | 1 · 157 m² | 10.3 m · 2 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.
Similar companies · same sector, comparable size
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I.L. & C. TITRES SERVICES-AGENCE DE NAMUR
BE 0878.765.659
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Mior Cleaning Services
BE 0777.623.363
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Of 7,356 companies in sector 81210 we hold annual accounts for 2,735. 2,199 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
Founded11-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
81210General cleaning of buildings
33120Repair and maintenance of machinery
43230Insulation installation
47521Retail sale of hardware, building materials, paint and glass (general range)
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.