RENO NOWAK
ActiveRENO NOWAK has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €-38k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency84▼-16
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 5.23 in 2024), but 52.6% 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 →
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
47.4%
Return on assets
-103.2%
Age of the figures
11 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 fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€38k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-04-2026, 27 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
27 d early
2024
1 d early
2023
8 d early
2022
11 d early
2021
8 d early
2020
30 d early
2019
14 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-38k▼ 120%
2024 · €-17k
2018: €-2k
2019: €-25k
2020: €9k
2021: €22k
2022: €-2k
2023: €21k
2024: €-17k
2018 → 2025
Working capital
€12k▼ 75.4%
2024 · €47k
2018: €40k
2019: €20k
2020: €22k
2021: €43k
2022: €39k
2023: €62k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€51k▼ 3.5%€72k▲ 41.7%€55k▼ 23.8%€17k▼ 68.6%
Operating result€29k-€-875€28k€-16k€-36k▼ 124%
Net result€22k-€-2k€21k€-17k€-38k▼ 120%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €36k in 2025 against €16k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€6k▼ 27.7%
Current assets
€31k▼ 47.1%
Equity and liabilities €37k
Equity
€17k▼ 68.6%
Debt
€19k▲ 72.5%
The debt ratio rises from 16.8% to 52.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-33k▼
2024 · €-11k
Cash flow
€-35k▼
2024 · €-12k
Solvency
47.4%▼
2024 · 83.2%
Current ratio
1.60▼
2024 · 5.23
Quick ratio
1.60▼
2024 · 5.23
Debt / equity
1.11▲
2024 · 0.20
ROE
-218.0%▼
2024 · -31.2%
ROA
-103.2%▼
2024 · -25.9%
Interest coverage
-20.88▼
2024 · -9.91
Debt
€19k▲
2024 · €11k
Debt ≤ 1 year
€19k▲
2024 · €11k
Income taxes
€215▼
2024 · €231
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€66k€37k▼
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€58k€31k▼
Amounts receivable within one year40/41€44k€19k▼
Trade receivables40€39k€17k▼
Other amounts receivable41€5k€2k▼
Deferred charges and accrued income490/1€14k€12k▼
Equity and liabilities
Total equity and liabilities10/49€66k€37k▼
Equity10/15€55k€17k▼
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€47k€9k▼
Amounts payable17/49€11k€19k▲
Amounts payable within one year42/48€11k€19k▲
Current portion of amounts payable after more than one year42€447€445▼
Financial debts43€737€10k▲
Credit institutions430/8€737€10k▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€3k€797▼
Taxes450/3€3k€797▼
Other amounts payable47/48-€7k
Income statement
Code20242025
Non-recurring operating income76A€199€525▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-10k€-32k▼
Operating profit (loss)9901€-16k€-36k▼
Financial income75/76B€236€64▼
Recurring financial income75€236€64▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-17k€-38k▼
Income taxes67/77€231€215▼
Profit (loss) for the period9904€-17k€-38k▼
Profit (loss) for the period to be appropriated9905€-17k€-38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€9k▼
Profit (loss) brought forward from the previous period14P€64k€47k▼
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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €22k ▲133%
Operating result €29k, net result €22k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
30-09
Financial
Liquidity doublescurrent ratio 4.90
Current ratio from 2.06 to 4.90; short-term debt falls from €19k to €6k.
14-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 119 days late
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Steenokkerzeel · 1 establishment unit since 2010
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.
de Maillé de la Tour Landrylaan 61820 SteenokkerzeelGround area
802 m²
Building footprint
802 m²
Volume, LiDAR
16,461 m³
2 parcels, Brussels, Flanders · tallest building 30.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Rogierlaan 2B, 1030 Schaarbeek
since 20102.204.742.791
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0334/00N017 | Brussels | 649 m² | 1 · 648 m² | 30.5 m · 9 fl. |
| 23081E0227/00H004 | Flanders | 153 m² | 1 · 153 m² | 8.7 m · 2 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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BE 0733.709.087
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KUVEILLER
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ZEN PARACHEVEMENT
BE 1009.386.849
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Marcin Renovatie
BE 1015.177.353
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BV CONSTRUCT & CONSULT
BE 0478.918.494
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 5,811 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2010
Fiscal year end30-09
Activities, NACEBEL
43320Joinery installation
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43310Plastering work
43341Painting of buildings
43343Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.