RENAULD ERIC
ActiveRENAULD ERIC has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €701k and a net result of €78k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+11
Solvency86▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days only on tighter terms
Liquidity ample (current ratio 1.84 against 1.78 in 2024; short-term debt: 34.1% and cash: 27.6% of total assets), and 39.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
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
60.9%
Return on assets
6.8%
Age of the figures
12 mo
raises risk · Filed more than 90 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-08-2026, 112 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
112 d late
2024
8 d early
2023
6 d early
2022
16 d early
2021
8 d early
2020
9 d early
2019
13 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€78k▲ 59.0%
2024 · €49k
2018: €10k
2019: €12k
2020: €39k
2021: €54k
2022: €13k
2023: €38k
2024: €49k
2018 → 2025
Working capital
€331k▲ 36.7%
2024 · €242k
2018: €212k
2019: €231k
2020: €254k
2021: €240k
2022: €234k
2023: €268k
2024: €242k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€366k-€609k▲ 66.4%€646k▲ 6.2%€623k▼ 3.7%€701k▲ 12.5%
Operating result€79k-€30k▼ 61.9%€79k▲ 163%€109k▲ 38.5%€156k▲ 43.1%
Net result€54k-€13k▼ 76.3%€38k▲ 193%€49k▲ 29.7%€78k▲ 59.0%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€427k▼ 5.4%
Current assets
€724k▲ 30.7%
Equity and liabilities €1.15M
Equity
€701k▲ 12.5%
Debt
€450k▲ 17.7%
The debt ratio rises from 38.1% to 39.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€181k▲
2024 · €134k
Cash flow
€102k▲
2024 · €73k
Solvency
60.9%▼
2024 · 61.9%
Current ratio
1.84▲
2024 · 1.78
Quick ratio
1.25▲
2024 · 1.10
Debt / equity
0.64▲
2024 · 0.61
ROE
11.1%▲
2024 · 7.9%
ROA
6.8%▲
2024 · 4.9%
Interest coverage
5.17▲
2024 · 4.08
Debt
€450k▲
2024 · €383k
Debt ≤ 1 year
€393k▲
2024 · €312k
Debt > 1 year
€57k▼
2024 · €71k
Income taxes
€43k▲
2024 · €27k
Staff costs
€45k▼
2024 · €57k
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€1.01M€1.15M▲
Fixed assets21/28€451k€427k▼
Tangible fixed assets22/27€451k€427k▼
Land and buildings22€446k€424k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€0-
Financial fixed assets28€189€189=
Current assets29/58€554k€724k▲
Stocks and contracts in progress3€212k€233k▲
Stocks30/36€212k€233k▲
Amounts receivable within one year40/41€161k€171k▲
Trade receivables40€159k€171k▲
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€180k€317k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.15M▲
Equity10/15€623k€701k▲
Contributions10/11€292k€292k=
Reserves13€209k€287k▲
Tax-exempt reserves132€4k€4k=
Distributable reserves133€206k€284k▲
Profit (loss) carried forward14€121k€121k=
Amounts payable17/49€383k€450k▲
Amounts payable after more than one year17€71k€57k▼
Financial debts170/4€71k€57k▼
Amounts payable within one year42/48€312k€393k▲
Current portion of amounts payable after more than one year42€14k€14k=
Trade debts44€109k€170k▲
Suppliers440/4€109k€170k▲
Taxes, remuneration and social security45€53k€65k▲
Taxes450/3€41k€52k▲
Remuneration and social security454/9€12k€12k▲
Other amounts payable47/48€136k€145k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€57k€45k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€14k€19k▲
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€206k€245k▲
Operating profit (loss)9901€109k€156k▲
Financial income75/76B€69€2▼
Recurring financial income75€69€2▼
Financial charges65/66B€33k€35k▲
Recurring financial charges65€33k€35k▲
Profit (loss) for the period before taxes9903€77k€121k▲
Income taxes67/77€27k€43k▲
Profit (loss) for the period9904€49k€78k▲
Profit (loss) for the period to be appropriated9905€49k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€170k€199k▲
Profit (loss) brought forward from the previous period14P€121k€121k=
Transfer from equity791/2€73k€0▼
Transfer to equity691/2€49k€78k▲
To other reserves6921€49k€78k▲
Profit to be distributed694/7€73k€0▼
Return on contributions (dividend)694€73k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 112 days late
2025
30-09
Financial
Highest result since 2018net €78k ▲59%
Operating result €156k, net result €78k, both a record.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Equity above €500kEq €609k ▲66.4%
5 profitable years in a row build equity to €609k.
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
17-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Etalle · 1 establishment unit since 2002
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 du Moulin 746740 EtalleGround area
90 m²
Building footprint
105 m²
Parcel 85009C1647/00M002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Moulin 74, 6740 Etalle
since 20022.131.727.131
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85009C1647/00M002 | Wallonia | 90 m² | 1 · 105 m² | - |
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.
Similar companies · same sector, comparable size
Auto's Zebs
BE 0752.730.985
Genk · Eq €701k
AUTOHANDEL CALLANT
BE 0426.324.995
Roeselare · Eq €700k
GARAGE BRAEKEN
BE 0448.830.381
Pelt · Eq €700k
ARNONE
BE 0420.751.455
Seraing · Eq €700k
AUTOHANDEL VAN DESSEL
BE 0423.388.370
Mortsel · Eq €699k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 3,227 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2002
Fiscal year end30-09
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.