RENINCA 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 €920k and a net result of €-44k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 73% of 5521 sector peers (fiscal year 2025). The company has been active since 2011 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
60 d late
2023
21 d early
2022
14 d early
2021
22 d late
2020
187 d late
2019
100 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€920k▼ 4.6%
2024 · €964k
2018: €-220k
2019: €-230k
2020: €-238k
2021: €-244k
2022: €-238k
2023: €1.00M
2024: €964k
2018 → 2025
Net result
€-44k▼ 6.6%
2024 · €-41k
2018: €7k
2019: €-10k
2020: €-8k
2021: €-7k
2022: €6k
2023: €-37k
2024: €-41k
2018 → 2025
Total assets
€1.19M▲ 5.1%
2024 · €1.14M
2018: €1.22M
2019: €1.20M
2020: €1.18M
2021: €1.16M
2022: €1.16M
2023: €1.14M
2024: €1.14M
2018 → 2025
Solvency
77.0%▼ 7.8pp
2024 · 84.7%
2018: -18.0%
2019: -19.1%
2020: -20.1%
2021: -21.1%
2022: -20.5%
2023: 87.8%
2024: 84.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-244k-€-238k▲ 2.5%€1.00M€964k▼ 4.1%€920k▼ 4.6%
Operating result€4k-€19k▲ 345%€-31k€-36k▼ 16.6%€-41k▼ 14.4%
Net result€-7k-€6k€-37k€-41k▼ 12.9%€-44k▼ 6.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2025 against €36k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.19M
Fixed assets
€1.19M▲ 7.4%
Current assets
€162▼ 99.3%
Equity and liabilities €1.19M
Equity
€920k▼ 4.6%
Debt
€275k▲ 58.5%
The debt ratio rises from 15.3% to 23.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
77.0%▼
2024 · 84.7%
ROE
-4.8%▼
2024 · -4.3%
ROA
-3.7%▼
2024 · -3.6%
Debt
€275k▲
2024 · €174k
Debt ≤ 1 year
€54▼
2024 · €52k
Debt > 1 year
€275k▲
2024 · €121k
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€1.14M€1.19M▲
Fixed assets21/28€1.11M€1.19M▲
Tangible fixed assets22/27€1.11M€1.19M▲
Land and buildings22€1.11M€1.09M▼
Plant, machinery and equipment23€1k€105k▲
Current assets29/58€25k€162▼
Amounts receivable within one year40/41€17k-
Trade receivables40€17k-
Cash at bank and in hand54/58€8k€162▼
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.19M▲
Equity10/15€964k€920k▼
Contributions10/11€1.30M€1.30M=
Profit (loss) carried forward14€-336k€-380k▼
Amounts payable17/49€174k€275k▲
Amounts payable after more than one year17€121k€275k▲
Financial debts170/4€0-
Other amounts payable178/9€121k€275k▲
Amounts payable within one year42/48€52k€54▼
Current portion of amounts payable after more than one year42€52k€0▼
Trade debts44€0€54▲
Suppliers440/4€0€54▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€28k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€-12k€-10k▲
Operating profit (loss)9901€-36k€-41k▼
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€-41k€-44k▼
Profit (loss) for the period9904€-41k€-44k▼
Profit (loss) for the period to be appropriated9905€-41k€-44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-336k€-380k▼
Profit (loss) brought forward from the previous period14P€-295k€-336k▼
The notes to these accounts (7 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series.
31-12
Financial
Liquidity times 6current ratio 3.00
Current ratio from 0.47 to 3.00; short-term debt falls from €52k to €54.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.00M
Equity rises from €-238k to €1.00M.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
03-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 187 days late
2020
08-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 100 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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 2011
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.
Magere Schorre 1098300 Knokke-HeistGround area
1,173 m²
Building footprint
263 m²
Volume, LiDAR
1,772 m³
Parcel 31332F0735/00A000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RENINCA
since 20112.196.892.919
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332F0735/00A000 | Flanders | 1,173 m² | 1 · 263 m² | 9.3 m · 2 fl. |
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.
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SIEZO
BE 0894.735.918
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WINVEST
BE 0862.202.811
Oostende · Eq €919k
IDECO
BE 0436.373.997
Waregem · Eq €919k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 12,881 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.