RENAISSANCE OFFICE
ActiveRENAISSANCE OFFICE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.38M and a net result of €52k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 44% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-11
Solvency57=
Growth61▼-4
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 54.76 against 37.62 in 2024; short-term debt: 0.1% and cash: 2.6% of total assets), but 67.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
32.1%
Return on assets
0.2%
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
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
43 d early
2023
35 d early
2022
54 d early
2021
58 d early
2020
47 d early
2019
63 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€2.39M▼ 17.0%
2024 · €2.88M
2018: €2.60M
2019: €2.61M
2020: €2.66M
2021: €2.65M
2022: €2.71M
2023: €3.04M
2024: €2.88M
2018 → 2025
EBIT margin
32.5%▼ 28.6pp
2024 · 61.2%
2018: 44.4%
2019: 43.5%
2020: 43.8%
2021: 52.1%
2022: 59.8%
2023: 59.4%
2024: 61.2%
2018 → 2025
Net result
€52k▼ 95.1%
2024 · €1.07M
2018: €-130k
2019: €91k
2020: €150k
2021: €366k
2022: €818k
2023: €1.10M
2024: €1.07M
2018 → 2025
Working capital
€1.70M▲ 36.1%
2024 · €1.25M
2018: €3.37M
2019: €4.58M
2020: €5.89M
2021: €1.93M
2022: €1.93M
2023: €1.50M
2024: €1.25M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.65M-€2.71M▲ 2.2%€3.04M▲ 12.4%€2.88M▼ 5.2%€2.39M▼ 17.0%
Equity€4.34M-€5.16M▲ 18.8%€6.26M▲ 21.3%€7.32M▲ 17.0%€7.38M▲ 0.7%
Operating result€1.38M-€1.62M▲ 17.5%€1.81M▲ 11.6%€1.76M▼ 2.5%€779k▼ 55.8%
Net result€366k-€818k▲ 123%€1.10M▲ 34.6%€1.07M▼ 3.2%€52k▼ 95.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22.97M
Fixed assets
€21.24M▼ 3.1%
Current assets
€1.73M▲ 35.0%
Equity and liabilities €22.97M
Equity
€7.38M▲ 0.7%
Debt
€15.60M▼ 1.8%
The debt ratio falls from 68.4% to 67.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.58M▼
2024 · €2.54M
Cash flow
€850k▼
2024 · €1.85M
Solvency
32.1%▲
2024 · 31.6%
Current ratio
54.76▲
2024 · 37.62
Quick ratio
54.76▲
2024 · 37.62
Debt / equity
2.11▼
2024 · 2.17
ROE
0.7%▼
2024 · 14.6%
ROA
0.2%▼
2024 · 4.6%
Interest coverage
2.77▼
2024 · 4.05
Debt
€15.60M▼
2024 · €15.88M
Debt ≤ 1 year
€32k▼
2024 · €34k
Debt > 1 year
€14.80M▼
2024 · €15.20M
Income taxes
€157k▲
2024 · €69k
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€23.20M€22.97M▼
Formation expenses20€2k€0▼
Fixed assets21/28€21.92M€21.24M▼
Tangible fixed assets22/27€21.92M€21.24M▼
Land and buildings22€21.92M€21.24M▼
Current assets29/58€1.28M€1.73M▲
Amounts receivable within one year40/41€675k€787k▲
Trade receivables40€555k€564k▲
Other amounts receivable41€120k€223k▲
Cash at bank and in hand54/58€181k€595k▲
Deferred charges and accrued income490/1€427k€348k▼
Equity and liabilities
Total equity and liabilities10/49€23.20M€22.97M▼
Equity10/15€7.32M€7.38M▲
Contributions10/11€2.54M€2.54M=
Capital10-€2.54M
Issued capital100-€2.54M
Reserves13€7.41M€7.41M=
Non-distributable reserves130/1€346k€346k=
Reserves not available under the articles1311€346k€346k=
Tax-exempt reserves132€891€891=
Distributable reserves133€7.06M€7.06M=
Profit (loss) carried forward14€-2.63M€-2.58M▲
Amounts payable17/49€15.88M€15.60M▼
Amounts payable after more than one year17€15.20M€14.80M▼
Financial debts170/4€15.20M€14.80M▼
Other loans174€15.20M€14.80M▼
Other amounts payable178/9€250€250=
Amounts payable within one year42/48€34k€32k▼
Trade debts44€34k€29k▼
Suppliers440/4€34k€29k▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Accrued charges and deferred income492/3€641k€765k▲
Income statement
Code20242025
Operating income70/76A€3.09M€2.52M▼
Turnover70€2.88M€2.39M▼
Other operating income74€208k€129k▼
Operating charges60/66A€1.33M€1.74M▲
Services and other goods61€248k€633k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€782k€797k▲
Other operating charges640/8€298k€313k▲
Operating profit (loss)9901€1.76M€779k▼
Financial charges65/66B€629k€569k▼
Recurring financial charges65€629k€569k▼
Debt charges650€628k€569k▼
Other financial charges652/9€480€761▲
Profit (loss) for the period before taxes9903€1.13M€209k▼
Income taxes67/77€69k€157k▲
Taxes670/3€69k€157k▲
Profit (loss) for the period9904€1.07M€52k▼
Profit (loss) for the period to be appropriated9905€1.07M€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2.63M€-2.58M▲
Profit (loss) brought forward from the previous period14P€-3.69M€-2.63M▲
The notes to these accounts (26 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
26-08
State Gazette act
Registered office · Resignations & appointmentsGeneral meeting · Registered-office move · Permanent representative3 facts ▸
State Gazette act
Registered office · Resignations & appointments
General meeting · Registered-office move · Permanent representative3 facts ▸
- General meeting, 2026-05-29
- Registered-office move, Rue Royale 52 - 1000 Bruxelles
- Permanent representative, Isabelle COMPERE
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Highest result since 2018net €1.10M ▲34.6%
Operating result €1.81M, net result €1.10M, both a record.
31-12
Financial
Liquidity doublescurrent ratio 26.20
Current ratio from 12.71 to 26.20; short-term debt falls from €165k to €59k.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Equity above €5MEq €5.16M ▲18.8%
4 profitable years in a row build equity to €5.16M.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €91k
Net result €91k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
25 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2004
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.
Koningsstraat 521000 BrusselGround area
3,131 m²
Building footprint
2,523 m²
Volume, LiDAR
78,620 m³
2 parcels, Brussels · tallest building 103.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
G.D.I.
since 20042.137.966.013
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0178/00E003 | Brussels | 2,671 m² | 1 · 2,036 m² | 103.3 m · 6 fl. |
| 21804D1516/00C000 | Brussels | 460 m² | 1 · 487 m² | 32.6 m · 8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 1,450 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2004
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.