Reniv
ActiveSummary
The computed 12-month bankruptcy probability of Reniv is 1.5% (moderate). The 2025 annual accounts show equity of €43,027 and a net result of €18,823. Equity is shrinking by ~76.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 38% of 11472 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+83
Solvency51▲+12
Growth32=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.49 in 2024; short-term debt: 67% and cash: 24.5% of total assets), and 74% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
26%
Return on assets
11.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 3 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
13 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 22 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€43,027▲ 77.8%
2024 · €24,204
Total assets
€165,198▼ 6.5%
2024 · €176,723
Net result
€18,823
2024 · -€84,275
Working capital
€3,543
2024 · -€66,107
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€135,168--€77,309€71,208
Net result€104,478above the sector's middle half--€84,275below the sector's middle half€18,823within the sector's middle half
Equity€108,478within the sector's middle half-€24,204within the sector's middle half▼ 77.7%€43,027within the sector's middle half▲ 77.8%
Total assets€208,926within the sector's middle half-€176,723within the sector's middle half▼ 15.4%€165,198within the sector's middle half▼ 6.5%
Debt€100,447-€152,520▲ 51.8%€122,171▼ 19.9%
Working capital€68,864--€66,107€3,543
Solvency51.9%within the sector's middle half-13.7%within the sector's middle half▼ 38.2pp26.0%within the sector's middle half▲ 12.3pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €71,208 after a loss of €77,309 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165,198
Fixed assets
€50,916 ▼ 54.7%
Current assets
€114,283 ▲ 77.4%
Equity and liabilities €165,198
Equity
€43,027 ▲ 77.8%
Debt
€122,171 ▼ 19.9%
Debt's share of the balance-sheet total falls from 86.3% to 74.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€86,396▲
2024 · -€62,982
Cash flow
€34,010▲
2024 · -€69,947
Current ratio
1.03▲
2024 · 0.49
Debt to equity
2.84▼
2024 · 6.30
ROE
43.7%▲
2024 · -348.2%
ROA
11.4%▲
2024 · -47.7%
Interest coverage
30.39▲
2024 · -9.35
Debt ≤ 1 year
€110,739▼
2024 · €130,519
Debt > 1 year
€11,432▼
2024 · €21,869
Income taxes
€224▼
2024 · €226
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
3.1%
went bankrupt
1.6%
stopped otherwise
94%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 7,976 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,830 | €14,327 | €15,187 | ▲ 6.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €31,198 | - |
| Other operating charges640/8 | €1,561 | €1,229 | €1,168 | ▼ 4.9% |
| Gross operating margin9900 | €146,559 | -€61,754 | €118,761 | ▲ 292% |
| Operating profit (loss)9901 | €135,168 | -€77,309 | €71,208 | ▲ 192% |
| Financial income75/76B | €27 | - | €681 | - |
| Recurring financial income75 | €27 | - | €681 | - |
| Financial charges65/66B | €2,752 | €6,739 | €52,843 | ▲ 684% |
| Recurring financial charges65 | €2,752 | €6,739 | €2,843 | ▼ 57.8% |
| Non-recurring financial charges66B | - | - | €50,000 | - |
| Profit (loss) for the period before taxes9903 | €132,443 | -€84,049 | €19,047 | ▲ 123% |
| Income taxes67/77 | €27,965 | €226 | €224 | ▼ 1.0% |
| Profit (loss) for the period9904 | €104,478 | -€84,275 | €18,823 | ▲ 122% |
| Profit (loss) for the period to be appropriated9905 | €104,478 | -€84,275 | €18,823 | ▲ 122% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €208,926 | €176,723 | €165,198 | ▼ 6.5% |
| Fixed assets21/28 | €76,639 | €112,311 | €50,916 | ▼ 54.7% |
| Tangible fixed assets22/27 | €76,639 | €62,311 | €50,916 | ▼ 18.3% |
| Land and buildings22 | €54,433 | €49,815 | €45,197 | ▼ 9.3% |
| Plant, machinery and equipment23 | €18,786 | €10,233 | €4,612 | ▼ 54.9% |
| Furniture and vehicles24 | €3,420 | €2,263 | €1,106 | ▼ 51.1% |
| Financial fixed assets28 | - | €50,000 | - | - |
| Current assets29/58 | €132,287 | €64,412 | €114,283 | ▲ 77.4% |
| Amounts receivable within one year40/41 | €60,444 | €26,727 | €69,287 | ▲ 159% |
| Trade receivables40 | €60,428 | €21,065 | €64,215 | ▲ 205% |
| Other amounts receivable41 | €16 | €5,662 | €5,072 | ▼ 10.4% |
| Cash at bank and in hand54/58 | €61,390 | €30,206 | €40,475 | ▲ 34.0% |
| Deferred charges and accrued income490/1 | €10,453 | €7,479 | €4,520 | ▼ 39.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €208,926 | €176,723 | €165,198 | ▼ 6.5% |
| Equity10/15 | €108,478 | €24,204 | €43,027 | ▲ 77.8% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | = |
| Reserves13 | - | - | €18,823 | - |
| Distributable reserves133 | - | - | €18,823 | - |
| Profit (loss) carried forward14 | €104,478 | €20,204 | €20,204 | = |
| Amounts payable17/49 | €100,447 | €152,520 | €122,171 | ▼ 19.9% |
| Amounts payable after more than one year17 | €37,024 | €21,869 | €11,432 | ▼ 47.7% |
| Financial debts170/4 | €37,024 | €21,869 | €11,432 | ▼ 47.7% |
| Amounts payable within one year42/48 | €63,423 | €130,519 | €110,739 | ▼ 15.2% |
| Current portion of amounts payable after more than one year42 | €14,408 | €15,155 | €10,437 | ▼ 31.1% |
| Trade debts44 | €10,155 | €5,724 | €5,435 | ▼ 5.1% |
| Suppliers440/4 | €10,155 | €5,724 | €5,435 | ▼ 5.1% |
| Taxes, remuneration and social security45 | €37,930 | €32,267 | €10,840 | ▼ 66.4% |
| Taxes450/3 | €37,930 | €28,205 | €10,840 | ▼ 61.6% |
| Remuneration and social security454/9 | - | €4,063 | - | - |
| Other amounts payable47/48 | €929 | €77,373 | €84,028 | ▲ 8.6% |
| Accrued charges and deferred income492/3 | - | €131 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €104,478 | -€84,275 | €18,823 | ▲ 122% |
| + Depreciation and write-downs630 | €9,830 | €14,327 | €15,187 | ▲ 6.0% |
| Operating cash flow (approximation) | €114,308 | -€69,947 | €34,010 | ▲ 149% |
| Investment in fixed assets (approximation) | - | -€50,000 | €46,208 | ▲ 192% |
| Change in cash | - | -€31,184 | €10,269 | ▲ 133% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €18,823
Net result €18,823 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.03
Current ratio from 0.49 to 1.03; short-term debt falls from €130,519 to €110,739.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet -€84,275
Net result drops to -€84,275, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 2022
Ground area
4,387 m²
Building footprint
145 m²
Parcel 71052C0383/00D000, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Reniv
since 20222.333.842.566
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71052C0383/00D000 | Flanders | 4,387 m² | 1 · 145 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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: expect extra rules on renovation or sale.
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Of 4,414 companies in sector 46180 we hold annual accounts for 1,887. 1,325 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
46140Agents in the wholesale of industrial machinery, ships and aircraft
46713Wholesale trade
47120Other non-specialised retail sale
77320Rental and leasing activities
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0788990872
Also
9925:BE0788990872
Registered
21-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.