RENDEC CONSULT 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 €9.20M and a net result of €282k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 8024 sector peers (fiscal year 2025). The company has been active since 2007 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
2 d early
2023
14 d early
2022
7 d early
2021
9 d early
2020
9 d early
2019
36 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9.20M▼ 4.5%
2024 · €9.63M
2018: €6.73M
2019: €6.98M
2020: €7.82M
2021: €8.28M
2022: €8.56M
2023: €8.94M
2024: €9.63M
2018 → 2025
Net result
€282k▼ 59.3%
2024 · €693k
2018: €64k
2019: €254k
2020: €838k
2021: €459k
2022: €284k
2023: €379k
2024: €693k
2018 → 2025
Total assets
€9.84M▲ 1.0%
2024 · €9.74M
2018: €6.91M
2019: €7.14M
2020: €8.02M
2021: €8.47M
2022: €8.67M
2023: €9.02M
2024: €9.74M
2018 → 2025
Solvency
93.5%▼ 5.4pp
2024 · 98.9%
2018: 97.4%
2019: 97.7%
2020: 97.4%
2021: 97.7%
2022: 98.7%
2023: 99.1%
2024: 98.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8.28M-€8.56M▲ 3.4%€8.94M▲ 4.4%€9.63M▲ 7.8%€9.20M▼ 4.5%
Operating result€12k-€20k▲ 70.9%€-170k€364k€-180k
Net result€459k-€284k▼ 38.2%€379k▲ 33.7%€693k▲ 82.7%€282k▼ 59.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €180k after €364k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.84M
Fixed assets
€6.19M▲ 3.8%
Current assets
€3.66M▼ 3.3%
Equity and liabilities €9.84M
Equity
€9.20M▼ 4.5%
Debt
€637k▲ 502%
The debt ratio rises from 1.1% to 6.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
93.5%▼
2024 · 98.9%
ROE
3.1%▼
2024 · 7.2%
ROA
2.9%▼
2024 · 7.1%
Debt
€637k▲
2024 · €106k
Debt ≤ 1 year
€624k▲
2024 · €106k
Income taxes
€28k▼
2024 · €191k
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€9.74M€9.84M▲
Fixed assets21/28€5.96M€6.19M▲
Tangible fixed assets22/27€9k€8k▼
Furniture and vehicles24€9k€8k▼
Financial fixed assets28€5.95M€6.18M▲
Current assets29/58€3.78M€3.66M▼
Amounts receivable after more than one year29€769k€779k▲
Other amounts receivable291€769k€779k▲
Amounts receivable within one year40/41€874k€614k▼
Trade receivables40€487k€249k▼
Other amounts receivable41€387k€365k▼
Current investments50/53€1.77M€1.85M▲
Cash at bank and in hand54/58€364k€396k▲
Deferred charges and accrued income490/1€2k€15k▲
Equity and liabilities
Total equity and liabilities10/49€9.74M€9.84M▲
Equity10/15€9.63M€9.20M▼
Contributions10/11€5.70M€5.70M=
Reserves13€3.93M€3.50M▼
Distributable reserves133€3.93M€3.50M▼
Profit (loss) carried forward14-€0
Amounts payable17/49€106k€637k▲
Amounts payable within one year42/48€106k€624k▲
Trade debts44€18k€15k▼
Suppliers440/4€18k€15k▼
Taxes, remuneration and social security45€87k€33k▼
Taxes450/3€87k€33k▼
Other amounts payable47/48€0€576k▲
Accrued charges and deferred income492/3€138€14k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€3k€17k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€369k€-161k▼
Operating profit (loss)9901€364k€-180k▼
Financial income75/76B€544k€524k▼
Recurring financial income75€544k€524k▼
Financial charges65/66B€24k€34k▲
Recurring financial charges65€24k€34k▲
Profit (loss) for the period before taxes9903€884k€310k▼
Income taxes67/77€191k€28k▼
Profit (loss) for the period9904€693k€282k▼
Profit (loss) for the period to be appropriated9905€693k€282k▼
Appropriation of the result
Profit (loss) to be appropriated9906€693k€282k▼
Transfer from equity791/2-€711k
Transfer to equity691/2€693k€282k▼
To other reserves6921€693k€282k▼
Profit to be distributed694/7-€711k
Return on contributions (dividend)694-€711k
The notes to these accounts (8 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
31-08
State Gazette act
General meeting · Director reappointment
Director appointment · Director resignation
31-08
State Gazette act
General meeting · Director reappointment
Director appointment · Director resignation
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €838k ▲230%
Net result €838k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 12.92
Current ratio from 4.54 to 12.92.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 6current ratio 4.54
Current ratio from 0.73 to 4.54; short-term debt falls from €176k to €158k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Knokke-Heist · 1 establishment unit since 2007
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.
Zeedijk-Het Zoute 8278300 Knokke-HeistGround area
1,606 m²
Building footprint
522 m²
Parcel 31332E0959/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
Rendec Consult bvba
since 20072.163.419.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332E0959/00A000 | Flanders | 1,606 m² | 1 · 522 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.
Structure & network
Ownership & control
2 partiesRENDEC CONSULTBE 0890.204.830
controls
Where this company holds controlthis company sits on their board2
1 location
1 location
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 297 EUR awarded · 297 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 63 EUR | 63 EUR |
| 2024 | 1 | 117 EUR | 117 EUR |
| 2022 | 1 | 117 EUR | 117 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
549300DK2PG5VUL1UU13
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 6,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.