RENO-NEUF
ActiveSummary
The computed 12-month bankruptcy probability of RENO-NEUF is 1.9% (moderate). The 2025 annual accounts show equity of €38k and a net result of €-16k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 69% of 2045 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
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-58
Solvency82▼-18
Growth52=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 6.02 in 2024; short-term debt: 42.8% and cash: 6.8% of total assets), and 42.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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 · 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
57.2%
Return on assets
-23.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
57 d late
2023
31 d late
2022
27 d early
2021
22 d early
2020
91 d late
2018
56 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€139k▼ 5.2%
2023 · €147k
2018: €101k
2022: €138k
2023: €147k
2018 → 2024
EBIT margin
1.2%▼ 3.7pp
2023 · 4.8%
2018: 5.6%
2022: 0.8%
2023: 4.8%
2018 → 2024
Net result
€-16k
2024 · €2k
2018: €5k
2020: €3k
2021: €-6k
2022: €978
2023: €7k
2024: €2k
2018 → 2025
Working capital
€38k▼ 28.0%
2024 · €53k
2018: €30k
2020: €39k
2021: €35k
2022: €38k
2023: €51k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€138k€147k▲ 6.4%€139k▼ 5.2%
Equity€39k-€40k▲ 2.5%€52k▲ 32.1%€54k▲ 3.0%€38k▼ 29.0%
Operating result€-5k-€1k€7k▲ 515%€2k▼ 76.8%€-16k
Net result€-6k-€978€7k▲ 618%€2k▼ 77.4%€-16k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €67k
Equity
€38k ▼ 29.0%
Debt
€29k ▲ 170%
Debt's share of the balance-sheet total rises from 16.4% to 42.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-15k▼
2024 · €4k
Cash flow
€-15k▼
2024 · €4k
Current ratio
2.34▼
2024 · 6.02
Quick ratio
2.24▼
2024 · 5.69
Debt to equity
0.75▲
2024 · 0.20
ROE
-40.8%▼
2024 · 2.9%
ROA
-23.4%▼
2024 · 2.5%
Interest coverage
-235.67▼
2024 · 56.09
Debt ≤ 1 year
€29k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€65k€67k▲
Fixed assets21/28€740-
Intangible fixed assets21€740-
Current assets29/58€64k€67k▲
Stocks and contracts in progress3€3k€3k▼
Stocks30/36€3k€3k▼
Amounts receivable within one year40/41€53k€56k▲
Trade receivables40€36k€38k▲
Other amounts receivable41€17k€18k▲
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€65k€67k▲
Equity10/15€54k€38k▼
Contributions10/11€14k€14k=
Capital10€14k€14k=
Issued capital100€19k€19k=
Uncalled capital101€5k€5k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Profit (loss) carried forward14€39k€23k▼
Amounts payable17/49€11k€29k▲
Amounts payable within one year42/48€11k€29k▲
Trade debts44€1k€416▼
Suppliers440/4€1k€416▼
Taxes, remuneration and social security45€3k€14k▲
Taxes450/3€3k€3k▼
Remuneration and social security454/9€37€11k▲
Other amounts payable47/48€6k€15k▲
Income statement
Code20242025
Turnover70€139k-
Goods, raw materials, services and sundry goods60/61€134k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€740▼
Other operating charges640/8€957€448▼
Gross operating margin9900€5k€-14k▼
Operating profit (loss)9901€2k€-16k▼
Financial charges65/66B€64€63▼
Recurring financial charges65€64€63▼
Profit (loss) for the period before taxes9903€2k€-16k▼
Profit (loss) for the period9904€2k€-16k▼
Profit (loss) for the period to be appropriated9905€2k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€23k▼
Profit (loss) brought forward from the previous period14P€38k€39k▲
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-16k ▼1087%
Net result drops to €-16k, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 57 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €7k ▲618%
Operating result €7k, net result €7k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €978
Net result €978 after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 91 days late
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 56 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
20-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 20 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Anderlecht · 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.
Pierre Marchantstraat 161070 AnderlechtGround area
131 m²
Building footprint
185 m²
Volume, LiDAR
1,284 m³
Parcel 21306C0180/00T003, Brussels · tallest building 14.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LA RENOVATION-PLUS QUE NEUF
since 20112.196.463.743
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0180/00T003 | Brussels | 131 m² | 1 · 185 m² | 14.4 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.
Similar companies · same sector, comparable size
BAMACO TOTAALRENOVATIE
BE 0694.761.015
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KRISI CONSTRUCT
BE 1013.357.416
Zaventem · Eq €38,335
LINDERO
BE 0738.940.258
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DSView
BE 0698.558.960
Assenede · Eq €38,313
OPLA SOLUTIONS
BE 0568.457.513
Beersel · Eq €38,294
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,912 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.