RENO-DAK
ActiveRENO-DAK has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €66k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 26% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency50▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.49 in 2024; short-term debt: 38% and cash: 18.5% of total assets), but 75% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
25%
Return on assets
14.8%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €111k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
on the day
2023
29 d early
2022
17 d late
2021
30 d late
2020
30 d late
2019
66 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 5.4%
2024 · €105k
2018: €103k
2019: €113k
2020: €122k
2021: €125k
2022: €132k
2023: €96k
2024: €105k
2018 → 2025
Total assets
€445k▲ 22.7%
2024 · €362k
2018: €306k
2019: €416k
2020: €498k
2021: €339k
2022: €324k
2023: €461k
2024: €362k
2018 → 2025
Net result
€66k▼ 39.8%
2024 · €109k
2018: €101k
2019: €139k
2020: €60k
2021: €43k
2022: €7k
2023: €7k
2024: €109k
2018 → 2025
Working capital
€108k▲ 58.9%
2024 · €68k
2018: €62k
2019: €137k
2020: €149k
2021: €117k
2022: €130k
2023: €-86k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€132k▲ 5.4%€96k▼ 26.9%€105k▲ 9.5%€111k▲ 5.4%
Operating result€44k-€9k▼ 80.0%€1k▼ 84.2%€125k▲ 8,974%€71k▼ 43.0%
Net result€43k-€7k▼ 84.3%€7k▼ 2.7%€109k▲ 1,576%€66k▼ 39.8%
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 falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €445k
Fixed assets
€168k▲ 8.7%
Current assets
€277k▲ 33.2%
Equity and liabilities €445k
Equity
€111k▲ 5.4%
Provisions
€63k▲ 31.4%
Debt
€270k▲ 29.5%
The debt ratio rises from 57.6% to 60.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€129k▼
2024 · €182k
Cash flow
€123k▼
2024 · €166k
Solvency
25.0%▼
2024 · 29.1%
Current ratio
1.64▲
2024 · 1.49
Quick ratio
1.56▲
2024 · 1.34
Debt / equity
2.43▲
2024 · 1.98
ROE
59.2%▼
2024 · 103.6%
ROA
14.8%▼
2024 · 30.1%
Interest coverage
27.45▲
2024 · 14.09
Debt
€270k▲
2024 · €209k
Debt ≤ 1 year
€169k▲
2024 · €140k
Debt > 1 year
€100k▲
2024 · €64k
Income taxes
€6k▲
2024 · €0
Staff costs
€67k▲
2024 · €66k
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€362k€445k▲
Fixed assets21/28€154k€168k▲
Intangible fixed assets21€574€115▼
Tangible fixed assets22/27€154k€167k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€151k€166k▲
Financial fixed assets28€135€135=
Current assets29/58€208k€277k▲
Amounts receivable after more than one year29€175€0▼
Other amounts receivable291€175€0▼
Stocks and contracts in progress3€20k€14k▼
Stocks30/36€20k€14k▼
Amounts receivable within one year40/41€120k€181k▲
Trade receivables40€45k€89k▲
Other amounts receivable41€75k€92k▲
Cash at bank and in hand54/58€67k€82k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€362k€445k▲
Equity10/15€105k€111k▲
Contributions10/11€19k€19k=
Reserves13€96k€94k▼
Tax-exempt reserves132€49k€46k▼
Distributable reserves133€48k€48k=
Profit (loss) carried forward14€-10k€-1k▲
Provisions and deferred taxes16€48k€63k▲
Provisions for liabilities and charges160/5€32k€48k▲
Other liabilities and charges164/5€32k€48k▲
Deferred taxes168€16k€15k▼
Amounts payable17/49€209k€270k▲
Amounts payable after more than one year17€64k€100k▲
Financial debts170/4€64k€100k▲
Amounts payable within one year42/48€140k€169k▲
Current portion of amounts payable after more than one year42€19k€33k▲
Trade debts44€42k€68k▲
Suppliers440/4€42k€68k▲
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€0-
Remuneration and social security454/9€4k€8k▲
Other amounts payable47/48€75k€60k▼
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€89k€13k▼
Remuneration, social security and pensions62€66k€67k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€57k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-4k€1k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-6k€16k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€50€0▼
Gross operating margin9900€239k€215k▼
Operating profit (loss)9901€125k€71k▼
Financial income75/76B€14k€4k▼
Recurring financial income75€14k€4k▼
Financial charges65/66B€13k€5k▼
Recurring financial charges65€13k€5k▼
Profit (loss) for the period before taxes9903€125k€71k▼
Transfer from deferred taxes780-€825
Transfer to deferred taxes680€16k€0▼
Income taxes67/77€0€6k▲
Profit (loss) for the period9904€109k€66k▼
Transfer from tax-exempt reserves789-€2k
Transfer to tax-exempt reserves689€49k€0▼
Profit (loss) for the period to be appropriated9905€60k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€59k▼
Profit (loss) brought forward from the previous period14P€5k€-10k▼
Transfer from equity791/2€25k€0▼
Profit to be distributed694/7€100k€60k▼
Return on contributions (dividend)694€25k€0▼
Directors or managers695€75k€60k▼
Social balance
Average headcount (FTE)90871.4-
The notes to these accounts (17 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 · micro schema · 20 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 1.49
Current ratio from 0.73 to 1.49; short-term debt falls from €322k to €140k.
31-12
Financial
Equity above €100kEq €105k ▲9.5%
7 profitable years in a row build equity to €105k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €7k ▼2.7%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 17 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
31-12
Financial
Highest result since 2018net €139k ▲38%
Operating result €141k, net result €139k, both a record.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
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, Brasschaat · 1 establishment unit since 2012
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.
Bredabaan 5722930 BrasschaatGround area
2,367 m²
Building footprint
217 m²
Volume, LiDAR
1,180 m³
Parcel 11324D0076/00E000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
mijnafslankcabines
since 20122.214.464.666
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11324D0076/00E000 | Flanders | 2,367 m² | 1 · 217 m² | 8.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 739 EUR awarded · 946 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 151 EUR | 151 EUR |
| 2024 | 1 | 144 EUR | 144 EUR |
| 2023 | 1 | 0 EUR | 207 EUR |
| 2022 | 1 | 444 EUR | 444 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
1 live approval · 3 endedDakwerker duaal (so)
Similar companies · same sector, comparable size
FUTURE ROOFS
BE 0752.538.272
Beringen · Eq €111k
Bas Dakwerken
BE 0781.463.177
Pajottegem · Eq €111k
EP TOITURES
BE 0883.741.561
Frameries · Eq €111k
DIERICK PASCAL
BE 0879.124.361
Sint-Niklaas · Eq €111k
Dakwerken Kreemers
BE 0840.008.122
Diepenbeek · Eq €111k
Of 8,558 companies in sector 43410 we hold annual accounts for 4,350. 3,794 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2012
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43350Other building finishing work
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.