RENO DELTA
ActiveThe annual accounts of RENO DELTA for fiscal year 2025 show a net loss of 55% of the equity at the start of that year. The 2025 annual accounts show equity of €12k and a net result of €-14k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 14% of 27450 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▼-44
Solvency35▼-8
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.0 against 0.17 in 2024; short-term debt: 90.2% of total assets), and 90.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.8%
Return on assets
-12%
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-14k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 27450 sector peers (2025).
NBB · sector comparisonPosition among 27450 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
3 d early
2023
29 d late
2022
31 d late
2021
120 d late
2020
60 d late
2019
118 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
€12k▼ 55.1%
2024 · €26k
2018: €19k
2019: €37k
2020: €21k
2021: €32k
2022: €32k
2023: €30k
2024: €26k
2018 → 2025
Total assets
€120k▼ 16.8%
2024 · €145k
2018: €182k
2019: €186k
2020: €157k
2021: €201k
2022: €190k
2023: €179k
2024: €145k
2018 → 2025
Net result
€-14k▼ 276%
2024 · €-4k
2018: €19k
2019: €18k
2020: €-16k
2021: €11k
2022: €649
2023: €-2k
2024: €-4k
2018 → 2025
Working capital
€-108k▼ 81.3%
2024 · €-60k
2018: €-29k
2019: €-10k
2020: €-43k
2021: €-89k
2022: €-82k
2023: €-77k
2024: €-60k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€32k▲ 2.1%€30k▼ 7.1%€26k▼ 12.8%€12k▼ 55.1%
Operating result€14k-€4k▼ 67.8%€-6€-1k▼ 17,854%€-12k▼ 1,053%
Net result€11k-€649▼ 93.8%€-2k€-4k▼ 67.2%€-14k▼ 276%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €1k 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 €120k
Fixed assets
€120k▼ 9.2%
Current assets
€105▼ 99.1%
Equity and liabilities €120k
Equity
€12k▼ 55.1%
Debt
€109k▼ 8.3%
The debt ratio rises from 81.9% to 90.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€512▼
2024 · €11k
Cash flow
€-2k▼
2024 · €8k
Solvency
9.8%▼
2024 · 18.1%
Current ratio
0.00▼
2024 · 0.17
Quick ratio
0.00▼
2024 · 0.17
Debt / equity
9.26▲
2024 · 4.53
ROE
-122.8%▼
2024 · -14.7%
ROA
-12.0%▼
2024 · -2.6%
Interest coverage
0.19▼
2024 · 3.98
Debt
€109k▼
2024 · €118k
Debt ≤ 1 year
€109k▲
2024 · €72k
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€145k€120k▼
Fixed assets21/28€132k€120k▼
Tangible fixed assets22/27€132k€120k▼
Land and buildings22€81k€77k▼
Plant, machinery and equipment23€51k€43k▼
Current assets29/58€12k€105▼
Amounts receivable within one year40/41€12k-
Trade receivables40€12k-
Other amounts receivable41€409-
Deferred charges and accrued income490/1-€105
Equity and liabilities
Total equity and liabilities10/49€145k€120k▼
Equity10/15€26k€12k▼
Contributions10/11€6k€6k=
Reserves13€15k€15k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€5k€-9k▼
Amounts payable17/49€118k€109k▼
Amounts payable after more than one year17€46k-
Financial debts170/4€46k-
Amounts payable within one year42/48€72k€109k▲
Current portion of amounts payable after more than one year42€6k-
Financial debts43€6k€56k▲
Credit institutions430/8€6k€9k▲
Other loans439-€46k
Trade debts44€10k-
Suppliers440/4€625-
Bills of exchange payable441€10k-
Taxes, remuneration and social security45€277€154▼
Taxes450/3€277€154▼
Other amounts payable47/48€49k€52k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€400€95▼
Gross operating margin9900€12k€607▼
Operating profit (loss)9901€-1k€-12k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-4k€-14k▼
Profit (loss) for the period9904€-4k€-14k▼
Profit (loss) for the period to be appropriated9905€-4k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-9k▼
Profit (loss) brought forward from the previous period14P€9k€5k▼
The notes to these accounts (4 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 120 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Weakest financial yearnet €-16k ▼186%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 62 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Awans · 1 establishment unit since 2013
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 Général Leman 424340 AwansGround area
2,071 m²
Building footprint
44 m²
Volume, LiDAR
391 m³
2 parcels, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Ponts 53, 4430 Ans
since 20132.219.763.836
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62106A0719/00E000 | Wallonia | 1,829 m² | - | - |
| 62332B0029/00A007 | Wallonia | 241 m² | 1 · 44 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,010 companies in sector 43310 we hold annual accounts for 1,745. 1,124 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-02-2013
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43341Painting of buildings
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.