PBN RENOV
ActivePBN RENOV has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €17k. Equity is growing by ~56.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-22
Solvency41▼-9
Growth85=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.1 in 2024; short-term debt: 52.5% and cash: 18% of total assets), and 84% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
16%
Return on assets
2.2%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 18%
← weakest
strongest →
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
31 d late
2023
6 d early
2022
23 d late
2021
31 d late
2020
13 d late
2019
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.16M▲ 49.6%
2019 · €776k
2019: €776k
2019 → 2021
EBIT margin
-0.3%▲ 3.0pp
2019 · -3.3%
2019: -3.3%
2019 → 2021
Net result
€17k▼ 58.8%
2024 · €41k
2018: €1k
2019: €-25k
2020: €42k
2021: €2k
2022: €18k
2023: €22k
2024: €41k
2018 → 2025
Working capital
€10k▼ 55.6%
2024 · €22k
2018: €8k
2019: €-17k
2020: €24k
2021: €21k
2022: €34k
2023: €54k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.16M-
Equity€27k-€45k▲ 65.8%€67k▲ 49.6%€108k▲ 61.5%€125k▲ 15.7%
Operating result€-3k-€17k€26k▲ 48.2%€57k▲ 122%€37k▼ 35.2%
Net result€2k-€18k▲ 991%€22k▲ 24.9%€41k▲ 85.7%€17k▼ 58.8%
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 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €779k
Fixed assets
€360k▲ 85.7%
Current assets
€419k▲ 78.6%
Equity and liabilities €779k
Equity
€125k▲ 15.7%
Debt
€654k▲ 104%
The debt ratio rises from 74.8% to 84.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63k▼
2024 · €68k
Cash flow
€43k▼
2024 · €52k
Solvency
16.0%▼
2024 · 25.2%
Current ratio
1.02▼
2024 · 1.10
Quick ratio
1.02▲
2024 · 0.87
Debt / equity
5.24▲
2024 · 2.97
ROE
13.6%▼
2024 · 38.1%
ROA
2.2%▼
2024 · 9.6%
Interest coverage
4.54▼
2024 · 17.90
Debt
€654k▲
2024 · €321k
Debt ≤ 1 year
€409k▲
2024 · €213k
Debt > 1 year
€245k▲
2024 · €108k
Income taxes
€8k▼
2024 · €13k
Staff costs
€64k▲
2024 · €53k
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€429k€779k▲
Fixed assets21/28€194k€360k▲
Intangible fixed assets21€4k€7k▲
Tangible fixed assets22/27€191k€353k▲
Land and buildings22€153k€317k▲
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€32k€30k▼
Current assets29/58€235k€419k▲
Stocks and contracts in progress3€50k€0▼
Contracts in progress37€50k€0▼
Amounts receivable within one year40/41€130k€271k▲
Trade receivables40€71k€156k▲
Other amounts receivable41€58k€115k▲
Cash at bank and in hand54/58€40k€140k▲
Deferred charges and accrued income490/1€15k€7k▼
Equity and liabilities
Total equity and liabilities10/49€429k€779k▲
Equity10/15€108k€125k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€89k€106k▲
Amounts payable17/49€321k€654k▲
Amounts payable after more than one year17€108k€245k▲
Financial debts170/4€108k€245k▲
Amounts payable within one year42/48€213k€409k▲
Current portion of amounts payable after more than one year42€18k€36k▲
Financial debts43-€247k
Credit institutions430/8-€247k
Trade debts44€179k€105k▼
Suppliers440/4€179k€105k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€15k€20k▲
Taxes450/3€6k€6k▼
Remuneration and social security454/9€8k€15k▲
Other amounts payable47/48€281€658▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€219€2k▲
Remuneration, social security and pensions62€53k€64k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€26k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€865€2k▲
Non-recurring operating charges66A-€19k
Gross operating margin9900€122k€147k▲
Operating profit (loss)9901€57k€37k▼
Financial income75/76B€964€1k▲
Recurring financial income75€964€1k▲
Financial charges65/66B€4k€14k▲
Recurring financial charges65€4k€14k▲
Profit (loss) for the period before taxes9903€55k€25k▼
Income taxes67/77€13k€8k▼
Profit (loss) for the period9904€41k€17k▼
Profit (loss) for the period to be appropriated9905€41k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€106k▲
Profit (loss) brought forward from the previous period14P€48k€89k▲
The notes to these accounts (11 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Equity above €100kEq €108k ▲61.5%
5 profitable years in a row build equity to €108k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.51
Current ratio from 0.57 to 1.51.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-25k ▼2132%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Villers-le-Bouillet · 2 establishment units since 2014
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 de Waremme 84530 Villers-le-BouilletGround area
3,842 m²
Building footprint
218 m²
Volume, LiDAR
1,881 m³
2 parcels, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue de Waremme 8, 4530 Villers-le-Bouillet
since 20142.236.384.587
Rue de Huy 1, 4530 Villers-le-Bouillet
since 20222.345.739.914
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61068B0239/00Y000 | Wallonia | 1,967 m² | 1 · 141 m² | 9.8 m · 3 fl. |
| 61068B0212/00W000 | Wallonia | 1,875 m² | 1 · 77 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
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.
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ALGEMENE ONDERNEMING WITHOFS
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,654 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2014
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43910Bricklaying and masonry work
43990Other specialised construction activities
43992Specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
70200Business and other management consultancy
70220Business consulting
81220Other building cleaning and industrial cleaning
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.