REGINALD
ActiveREGINALD has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €35k and a net result of €16k. Equity is growing by ~63.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-1
Solvency46▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 37.45 against 7.13 in 2023; short-term debt: 1.4% and cash: 26.9% of total assets), but 78.5% of the assets are financed with debt.
Credit advice 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
21.5%
Return on assets
9.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
56 d late
2022
35 d early
2021
31 d late
2020
24 d early
2019
341 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€35k▲ 72.7%
2023 · €20k
2018: €-21k
2019: €-13k
2020: €-2k
2021: €-2k
2022: €6k
2023: €20k
2018 → 2024
Total assets
€163k▲ 11.8%
2023 · €145k
2018: €10k
2019: €15k
2020: €11k
2021: €9k
2022: €136k
2023: €145k
2018 → 2024
Net result
€16k▲ 0.9%
2023 · €16k
2018: €-4k
2019: €8k
2020: €11k
2021: €109
2022: €7k
2023: €16k
2018 → 2024
Working capital
€86k▲ 72.5%
2023 · €50k
2018: €4k
2019: €14k
2020: €7k
2022: €36k
2023: €50k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-2k-€-2k▲ 5.6%€6k€20k▲ 258%€35k▲ 72.7%
Operating result€12k-€2k▼ 85.9%€11k▲ 507%€23k▲ 115%€24k▲ 6.2%
Net result€11k-€109▼ 99.0%€7k▲ 6,789%€16k▲ 111%€16k▲ 0.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 6% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €163k
Fixed assets
€75k▼ 14.9%
Current assets
€88k▲ 52.4%
Equity and liabilities €163k
Equity
€35k▲ 72.7%
Debt
€128k▲ 2.0%
The debt ratio falls from 86.1% to 78.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51k▲
2023 · €43k
Cash flow
€43k▲
2023 · €36k
Solvency
21.5%▲
2023 · 13.9%
Current ratio
37.45▲
2023 · 7.13
Quick ratio
37.45▲
2023 · 7.13
Debt / equity
3.65▼
2023 · 6.19
ROE
45.5%▼
2023 · 78.0%
ROA
9.8%▼
2023 · 10.8%
Interest coverage
1141.79▼
2023 · 1167.49
Debt
€128k▲
2023 · €125k
Debt ≤ 1 year
€2k▼
2023 · €8k
Debt > 1 year
€125k▲
2023 · €117k
Income taxes
€8k▲
2023 · €7k
Staff costs
€0▼
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€145k€163k▲
Fixed assets21/28€88k€75k▼
Intangible fixed assets21€69k€51k▼
Tangible fixed assets22/27€19k€24k▲
Furniture and vehicles24€18k€23k▲
Other tangible fixed assets26€1k€800▼
Current assets29/58€58k€88k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€24k€44k▲
Trade receivables40€8k€30k▲
Other amounts receivable41€16k€14k▼
Cash at bank and in hand54/58€32k€44k▲
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€145k€163k▲
Equity10/15€20k€35k▲
Contributions10/11€12k€12k=
Reserves13€8k€23k▲
Distributable reserves133€8k€23k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€125k€128k▲
Amounts payable after more than one year17€117k€125k▲
Other amounts payable178/9€117k€125k▲
Amounts payable within one year42/48€8k€2k▼
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Other amounts payable47/48€1k€1k=
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Remuneration, social security and pensions62€8k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€27k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€53k€53k▼
Operating profit (loss)9901€23k€24k▲
Financial income75/76B-€9
Recurring financial income75-€9
Financial charges65/66B€37€45▲
Recurring financial charges65€37€45▲
Profit (loss) for the period before taxes9903€23k€24k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€16k€16k▲
Profit (loss) for the period to be appropriated9905€16k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€16k▲
Profit (loss) brought forward from the previous period14P€-7k€0▲
Transfer to equity691/2€8k€15k▲
To other reserves6921€8k€15k▲
Profit to be distributed694/7€1k€1k=
Return on contributions (dividend)694€1k€1k=
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €16k ▲0.9%
Operating result €24k, net result €16k, both a record.
31-12
Financial
Liquidity times 5current ratio 37.45
Current ratio from 7.13 to 37.45; short-term debt falls from €8k to €2k.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 341 days late
07-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 707 days late
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 814 days late
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 10.03
Current ratio from 1.78 to 10.03; short-term debt falls from €6k to €2k.
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
2016
18-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Beernem · 1 establishment unit since 2009
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.
Oudezakstraat 98730 BeernemGround area
632 m²
Building footprint
186 m²
Volume, LiDAR
979 m³
Parcel 31021B0150/00G000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
REGINALD
since 20092.178.160.041
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31021B0150/00G000 | Flanders | 632 m² | 1 · 186 m² | 10.1 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,661 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.