Summary
Renaar is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €84k and a net result of €31k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 42% of 8048 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
56 d late
2023
5 d early
2022
31 d early
2021
33 d early
2020
9 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€84k▲ 6.6%
2024 · €79k
2020: €27klowest in 6 years
2021: €45k▲ +67.8% vs 2020
2022: €53k▲ +16.6% vs 2021
2023: €64k▲ +21.5% vs 2022
2024: €79k▲ +23.3% vs 2023
2025: €84k▲ +6.6% vs 2024highest in 6 years
2020 → 2025
Net result
€31k▲ 108%
2024 · €15k
2020: €38khighest in 6 years
2021: €18k▼ -51.8% vs 2020
2022: €8k▼ -58.9% vs 2021lowest in 6 years
2023: €11k▲ +50.8% vs 2022
2024: €15k▲ +31.6% vs 2023
2025: €31k▲ +108% vs 2024
2020 → 2025
Total assets
€201k▲ 10.6%
2024 · €182k
2020: €124k
2021: €157k▲ +26.5% vs 2020
2022: €120k▼ -23.5% vs 2021lowest in 6 years
2023: €164k▲ +37.1% vs 2022
2024: €182k▲ +10.7% vs 2023
2025: €201k▲ +10.6% vs 2024highest in 6 years
2020 → 2025
Solvency
41.9%▼ 1.6pp
2024 · 43.5%
2020: 21.8%lowest in 6 years
2021: 28.9%▲ +32.6% vs 2020
2022: 44.0%▲ +52.4% vs 2021highest in 6 years
2023: 39.0%▼ -11.4% vs 2022
2024: 43.5%▲ +11.4% vs 2023
2025: 41.9%▼ -3.7% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€53k▲ 16.6%€64k▲ 21.5%€79k▲ 23.3%€84k▲ 6.6%
2021: €45klowest in 5 years
2022: €53k▲ +16.6% vs 2021
2023: €64k▲ +21.5% vs 2022
2024: €79k▲ +23.3% vs 2023
2025: €84k▲ +6.6% vs 2024highest in 5 years
Operating result€26k-€11k▼ 56.7%€18k▲ 60.0%€24k▲ 33.3%€44k▲ 80.0%
2021: €26k
2022: €11k▼ -56.7% vs 2021lowest in 5 years
2023: €18k▲ +60.0% vs 2022
2024: €24k▲ +33.3% vs 2023
2025: €44k▲ +80.0% vs 2024highest in 5 years
Net result€18k-€8k▼ 58.9%€11k▲ 50.8%€15k▲ 31.6%€31k▲ 108%
2021: €18k
2022: €8k▼ -58.9% vs 2021lowest in 5 years
2023: €11k▲ +50.8% vs 2022
2024: €15k▲ +31.6% vs 2023
2025: €31k▲ +108% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 80% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€36k ▼ 40.7%
Current assets
€165k ▲ 36.8%
Equity and liabilities €201k
Equity
€84k ▲ 6.6%
Debt
€117k ▲ 13.7%
Debt's share of the balance-sheet total rises from 56.5% to 58.1%. Equity and debt are higher.
Key figures and ratios
ROE
37.0%▲
2024 · 18.9%
ROA
15.5%▲
2024 · 8.2%
Debt ≤ 1 year
€84k▲
2024 · €51k
Debt > 1 year
€32k▼
2024 · €52k
Income taxes
€13k▲
2024 · €7k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€182k€201k▲
Fixed assets21/28€61k€36k▼
Tangible fixed assets22/27€61k€36k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€59k€35k▼
Current assets29/58€120k€165k▲
Amounts receivable within one year40/41€105k€125k▲
Trade receivables40€24k€43k▲
Other amounts receivable41€81k€82k▲
Cash at bank and in hand54/58€15k€37k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€182k€201k▲
Equity10/15€79k€84k▲
Contributions10/11€1k€1k=
Reserves13€78k€83k▲
Distributable reserves133€78k€83k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€103k€117k▲
Amounts payable after more than one year17€52k€32k▼
Financial debts170/4€52k€32k▼
Amounts payable within one year42/48€51k€84k▲
Current portion of amounts payable after more than one year42€29k€19k▼
Trade debts44€3k€28k▲
Suppliers440/4€3k€28k▲
Taxes, remuneration and social security45€20k€37k▲
Taxes450/3€20k€37k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€25k▼
Other operating charges640/8€699€717▲
Gross operating margin9900€57k€70k▲
Operating profit (loss)9901€24k€44k▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€21k€44k▲
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€15k€31k▲
Profit (loss) for the period to be appropriated9905€15k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€31k▲
Transfer from equity791/2-€26k
Transfer to equity691/2€15k€31k▲
To other reserves6921€15k€31k▲
Profit to be distributed694/7-€26k
Return on contributions (dividend)694-€26k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18k | €20k | €22k | €32k | €25k | ▼ 22.5% |
| Other operating charges640/8 | €629 | €495 | €2k | €699 | €717 | ▲ 2.6% |
| Gross operating margin9900 | €45k | €32k | €42k | €57k | €70k | ▲ 21.4% |
| Operating profit (loss)9901 | €26k | €11k | €18k | €24k | €44k | ▲ 80.0% |
| Financial income75/76B | €0 | - | - | €2k | €5k | ▲ 113% |
| Recurring financial income75 | €0 | - | - | €2k | €5k | ▲ 113% |
| Financial charges65/66B | €916 | €810 | €2k | €5k | €4k | ▼ 12.2% |
| Recurring financial charges65 | €916 | €810 | €2k | €5k | €4k | ▼ 12.2% |
| Profit (loss) for the period before taxes9903 | €25k | €11k | €16k | €21k | €44k | ▲ 105% |
| Income taxes67/77 | €7k | €3k | €5k | €7k | €13k | ▲ 97.9% |
| Profit (loss) for the period9904 | €18k | €8k | €11k | €15k | €31k | ▲ 108% |
| Profit (loss) for the period to be appropriated9905 | €18k | €8k | €11k | €15k | €31k | ▲ 108% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €157k | €120k | €164k | €182k | €201k | ▲ 10.6% |
| Fixed assets21/28 | €71k | €53k | €92k | €61k | €36k | ▼ 40.7% |
| Tangible fixed assets22/27 | €71k | €53k | €92k | €61k | €36k | ▼ 40.7% |
| Plant, machinery and equipment23 | - | - | - | €2k | €2k | ▼ 21.0% |
| Furniture and vehicles24 | €71k | €53k | €92k | €59k | €35k | ▼ 41.4% |
| Current assets29/58 | €85k | €67k | €73k | €120k | €165k | ▲ 36.8% |
| Amounts receivable within one year40/41 | €52k | €51k | €58k | €105k | €125k | ▲ 18.9% |
| Trade receivables40 | €40k | €37k | €24k | €24k | €43k | ▲ 77.1% |
| Other amounts receivable41 | €12k | €14k | €33k | €81k | €82k | ▲ 1.5% |
| Cash at bank and in hand54/58 | €33k | €15k | €15k | €15k | €37k | ▲ 147% |
| Deferred charges and accrued income490/1 | - | - | - | - | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €157k | €120k | €164k | €182k | €201k | ▲ 10.6% |
| Equity10/15 | €45k | €53k | €64k | €79k | €84k | ▲ 6.6% |
| Contributions10/11 | €1k | €1k | €1k | €1k | €1k | = |
| Reserves13 | €44k | €52k | €63k | €78k | €83k | ▲ 6.6% |
| Distributable reserves133 | €44k | €52k | €63k | €78k | €83k | ▲ 6.6% |
| Profit (loss) carried forward14 | €0 | - | - | - | €0 | - |
| Amounts payable17/49 | €111k | €67k | €100k | €103k | €117k | ▲ 13.7% |
| Amounts payable after more than one year17 | €41k | €26k | €53k | €52k | €32k | ▼ 37.0% |
| Financial debts170/4 | €41k | €26k | €53k | €52k | €32k | ▼ 37.0% |
| Amounts payable within one year42/48 | €70k | €40k | €47k | €51k | €84k | ▲ 64.7% |
| Current portion of amounts payable after more than one year42 | €15k | €15k | €33k | €29k | €19k | ▼ 33.4% |
| Trade debts44 | €111 | €3k | €4k | €3k | €28k | ▲ 975% |
| Suppliers440/4 | €111 | €3k | €4k | €3k | €28k | ▲ 975% |
| Advances received on contracts in progress46 | €20k | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €35k | €21k | €10k | €20k | €37k | ▲ 85.5% |
| Taxes450/3 | €35k | €21k | €10k | €20k | €37k | ▲ 85.5% |
| Other amounts payable47/48 | €0 | - | - | - | - | - |
| Accrued charges and deferred income492/3 | - | €1k | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €8k | €11k | €15k | €31k | ▲ 108% |
| + Depreciation and write-downs630 | €18k | €20k | €22k | €32k | €25k | ▼ 22.5% |
| Operating cash flow (approximation) | €37k | €27k | €33k | €47k | €56k | ▲ 18.9% |
| Investment in fixed assets (approximation) | - | €-2k | €-60k | €-2k | €0 | ▲ 100% |
| Change in cash | - | €-18k | €-143 | €-72 | €22k | ▲ 30,823% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €8k ▼58.9%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Ieper · 1 establishment unit since 2020
Ground area
620 m²
Building footprint
282 m²
Volume, LiDAR
1,528 m³
Parcel 33010B0298/00L000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Renaar
since 20202.304.063.269
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33010B0298/00L000 | Flanders | 619 m² | 1 · 282 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,727 companies in sector 64210 we hold annual accounts for 19,768. 11,916 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.