Equity
€9,644 ▲ 65.0%
RENAR paid out €412 in dividends. That is 10% of the 2025 profit.
RENAR
Lifetime
2 annual accounts with figures on one time axispeak €16,251 (2025)
€16,251▲ 226%
peak €4,211 (2025)
€4,211▲ 82.7%
peak €9,644 (2025)
€9,644▲ 65.0%
€41,204▲ 398%
Board1 name since 2023
1 directorRENARD Thomas Jean-François Stéphane
Documentsfilings and deeds
25-07-20266 days before the deadline
2025micro format
Gross margin from €4,989 to €16,251Result from €2,305 to €4,211Dividend €412Equity from €5,845 to €9,644Debts from €8,267 to €41,204Cash from €6,788 to €4,246
Key points
from the 2025 annual accountsTurnover
≈ €100,000 estimated
The micro format states no turnover.
Debts
€41,204 81% of the balance sheet
Financial debts 64%Suppliers 2%Taxes and wages 8%Other 26%
Of this, €12,534 falls due within a year.
Investments
€41,572 5.6 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.33 was 2.33 in 2024
Short-term debts rose from €6,061 to €12,534.
Position in the sector
€9,644
Less equity than 83% of companies in architecture and engineering. Sector median €63,879 · 11,799 companies.
Checked score
83
Excellent
Financially stronger than 47% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 14,829 companies (NACE 71, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2025: 0.5%
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.5 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.3 percentage points vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2023
Equity €9,644 (19.0% of total assets)
lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Figures for financial year 2025 (filed on 25-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro). It does better than 22% of them on solvency, 35% on liquidity, 47% on profitability and 86% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,976 companies had the same profile as RENAR has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of RENAR itself is lower: 0.4% within 12 months. It rests on far more data about RENAR than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for RENAR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.33 (2.33 in 2024), below the usual 1.5. Short-term debt is 24.6% and cash 8.3% of total assets. 81% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 11794 sector peers (2025).
NBB · sector comparisonPosition among 11794 sector peers
Solvency
better than 21%
← 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 25-07-2026, 6 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
6 days early
2024
13 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 10 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- RENARD Thomas Jean-François Stéphane 100 sharesdeed of 12-12-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1003162518
Incorporation
Founding capital of €4,000, 100 shares · Founder: RENARD Thomas Jean-François Stéphane · Appointment: RENARD Thomas Jean-François Stéphane (director) · published on 12-12-2023 · Gazette deed
First establishment
Rue Abbé Péters 37, Malmedy
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| RENAR Malmedy | €50,848 | €16,251 | 19.0% | - |
| Architect Shana Bonneux Tongeren-Borgloon | €55,342 | €14,518 | 20.4% | - |
| Studio Beckx Deinze | €45,618 | €19,394 | 55.5% | - |
| Hût Walhain | €46,128 | €13,607 | 62.7% | - |
| Maxime PIN, architecture et urbanisme Geer | €56,141 | €12,642 | 26.7% | - |
| GEOFFREY PALM ARCHITECTURE Liège | €56,871 | €20,118 | 77.4% | - |
| DAVID VIEUJEAN ARCHITECTURE Liège | €52,335 | €23,706 | 71.0% | - |
These companies have the same main activity as RENAR: activities of building architects (NACE 71111). They are comparable in size and age: total assets between €45,600 and €56,900, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 08-12-2023Normal situation
- Activity
- Activities of building architectsNACE 71111
- Establishment unit
- 2.353.092.1184960 Malmedy, since 08-12-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 13-10-2025
Annual accounts 2025
- €50,848▲ 260%
- Filing
- Filed on 25-07-2026, 6 days before the end of the filing period
Insights on RENAR
RENAR has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,644 and a net result of €4,211.
Its solvency ranks better than 21% of 11,794 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about RENAR
- What is the company number of RENAR?
- The company number of RENAR is 1003.162.518. The VAT number is the same number with BE in front: BE 1003.162.518.
- Where is RENAR based?
- The registered office is at Rue Abbé Péters 37, 4960 Malmedy.Company details
- What does RENAR do?
- According to the KBO register, the main activity is activities of building architects (NACE 71111).
- What is the legal form of RENAR?
- RENAR is a private limited company (BV).
- When was RENAR founded?
- RENAR was founded on 08-12-2023.
- Is RENAR still active?
- Yes, RENAR is an active enterprise in the KBO register.
- What is the turnover of RENAR?
- The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €16,251 and 48 comparable companies (NACE 71111). It probably lies between €54,000 and €190,000. It is a rough estimate.Financials
- Is RENAR profitable?
- In financial year 2025, RENAR made a profit of €4,211.
- Where can I find the annual accounts of RENAR?
- RENAR filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of RENAR due?
- RENAR must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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