Result
-€15,572 -€15,572
From profit to loss in 2025, after a profit of €59,169 in 2024.
Renohouse
Overview
Lifetime
3 annual accounts with figures on one time axispeak €87,819 (2024)
-€8,335▼ €96,154
lowest -€15,572 (2025)
-€15,572▼ €74,741
peak €74,674 (2024)
€59,103▼ 20.9%
€167,170▲ 343%
Board1 name since 2022
1 directorMaes Ernie
Documentsfilings and deeds
04-09-202635 days late
2025micro format
Gross margin from €87,819 to -€8,335Loss of €15,572Equity from €74,674 to €59,103Debts from €37,697 to €167,170Cash from €92,376 to €12,771
Key points
from the 2025 annual accountsDebts
€167,170 ▲ 343%
Debts rose by €129,473 in 2025.
Liquidity
1.36 was 2.93 in 2024
Short-term debts rose from €37,697 to €165,822.
Filings
3 annual accounts 2 late
The 2023 accounts came latest: 37 days after the end of the period.
Starting capital
€5,000 1,000 shares
Position in the sector
-€15,572
Lower net result than 91% of companies in specialised construction. Sector median €10,189 · 35,113 companies.
Turnover not published (micro format)
Checked score
48
Fair
Financially stronger than 17% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.5%▲ +0.1 percentage points vs 12-2024
02-2025: 1.5%● unchanged vs 01-2025
03-2025: 1.5%● unchanged vs 02-2025
04-2025: 1.5%● unchanged vs 03-2025
05-2025: 1.5%● unchanged vs 04-2025
06-2025: 1.5%● unchanged vs 05-2025
07-2025: 1.5%● unchanged vs 06-2025
08-2025: 0.3%▼ -1.2 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.2%▼ -0.1 percentage points vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026lowest value
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 3.3%▲ +2.9 percentage points vs 09-2026highest value
11-2026: 3.3%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 35 days late; 2 of the last 3 accounts late
Founded in 2022
Sector: Specialised construction activities (NACE 43)
Loss of €15,572 (financial year 2025)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 28% of them on solvency, 10% on liquidity, 12% on profitability and 18% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,271 companies had the same profile as Renohouse has now. Each dot stands for 4 companies, two years later.
93.4%
were still trading
2.0%
stopped another way
4.1%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Renohouse itself: 3.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,271 companies, not a prediction for Renohouse. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.36 (2.93 in 2024), below the usual 1.5. Short-term debt is 73.3% and cash 5.6% of total assets. 73.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 35 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
35 days late
2024
22 days early
2023
37 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 17 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 September (3 of the last 3 accounts filed within 57 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0785642293
Incorporation
Founding capital of €5,000, 1,000 shares · Founder: Maes Ernie · Appointment: Maes Ernie (director) · published on 05-05-2022 · Gazette deed
First establishment
Godveerdegemstraat 211, Zottegem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Renohouse Zottegem | €226,273 | -€8,335 | 26.1% | - |
| T&T RENOVATIE Zedelgem | €159,125 | -€3,115 | -51.8% | - |
| TVQ Invest Ghent | €321,806 | -€61,301 | -18.4% | - |
| EB BAK CONSTRUCTION Zaventem | €140,378 | €608 | 52.0% | - |
| M.G. BATIMENTS Grimbergen | €113,360 | -€12,280 | 12.2% | - |
| Plakker De Backer Aalter | €544,637 | -€26,006 | 91.4% | - |
| M-ART Heusden-Zolder | €157,336 | -€33,602 | 6.6% | - |
These companies have the same main activity as Renohouse: plastering work (NACE 43310). They are comparable in size and age: total assets between €113,000 and €545,000, founded between 2017 and 2022.
Official details
Source: KBO- Status
- Active since 03-05-2022Normal situation
- Activity
- Plastering workNACE 43310and 5 others
- Establishment unit
- 2.330.959.6869620 Zottegem, since 03-05-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 04-02-2026
Annual accounts 2025
- -€8,335
- €15,572
- €59,103▼ 20.9%
- €226,273▲ 101%
- Filing
- Filed on 04-09-2026
Insights on Renohouse
Renohouse files the micro format. That format states no turnover. The gross margin fell from €38,072 in 2023 to -€8,335 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 04-09-2026, 35 days late-€8,335
▼ €96,154
-€10,570
▼ €96,056
-€15,572
▼ €74,741
€59,418
▼ 18.3%
26.1%
▼ 40.3 percentage points
1.36
▼ 1.57
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €226,273 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
26.1%
Higher than 28% of 35,125 companies in 2025.
1.36
Higher than 35% of 34,499 companies in 2025.
-6.9%
Higher than 14% of 34,700 companies in 2025.
Renohouse
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
226,273 | 112,372 | 204,907 | |
21/28 |
1,033 | 1,954 | 2,915 | |
22/27 |
1,033 | 1,954 | 2,915 | |
23 |
706 | 946 | 1,216 | |
24 |
327 | 1,008 | 1,699 | |
29/58 |
225,240 | 110,417 | 201,992 | |
3 |
179,433 | - | 148,541 | |
30/36 |
179,433 | - | 148,541 | |
40/41 |
29,333 | 14,854 | 401 | |
40 |
4,464 | 12,359 | 192 | |
41 |
24,869 | 2,494 | 209 | |
54/58 |
12,771 | 92,376 | 52,561 | |
490/1 |
3,703 | 3,188 | 489 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
226,273 | 112,372 | 204,907 | |
10/15 |
59,103 | 74,674 | 15,505 | |
10/11 |
5,000 | 5,000 | 5,000 | |
13 |
69,674 | 69,674 | 10,505 | |
133 |
69,674 | 69,674 | 10,505 | |
14 |
-15,572 | - | - | |
17/49 |
167,170 | 37,697 | 189,402 | |
17 |
- | - | 135,000 | |
170/4 |
- | - | 135,000 | |
42/48 |
165,822 | 37,697 | 54,402 | |
42 |
130,000 | - | - | |
44 |
798 | 15,202 | 6,178 | |
440/4 |
798 | 15,202 | 6,178 | |
45 |
22,945 | 12,957 | 12,811 | |
450/3 |
22,945 | 10,859 | 10,753 | |
454/9 |
0 | 2,099 | 2,059 | |
47/48 |
12,079 | 9,538 | 35,413 | |
492/3 |
1,348 | - | - | |
| Income statement | ||||
76A |
0 | 76,646 | - | |
9900 |
-8,335 | 87,819 | 38,072 | |
62 |
0 | 85 | - | |
630 |
921 | 961 | 1,632 | |
640/8 |
1,313 | 1,287 | 15,974 | |
9901 |
-10,570 | 85,486 | 20,465 | |
75/76B |
72 | 1,078 | 7 | |
75 |
72 | 1,078 | 7 | |
65/66B |
5,073 | 4,535 | 6,616 | |
65 |
5,073 | 4,535 | 6,616 | |
9903 |
-15,572 | 82,028 | 13,856 | |
67/77 |
0 | 22,859 | 3,351 | |
9904 |
-15,572 | 59,169 | 10,505 | |
9905 |
-15,572 | 59,169 | 10,505 | |
| Appropriation of the result | ||||
9906 |
-15,572 | 59,169 | 10,505 | |
691/2 |
0 | 59,169 | 10,505 | |
6921 |
0 | 59,169 | 10,505 | |
| Document | ||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 04-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 35 days after the deadline. Filed on 4 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00506575.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| -9,648 | 86,447 | 22,097 | ||
| -14,650 | 60,131 | 12,137 | ||
| 0 | 0 | 4,548 | ||
| -79,604 | 39,814 | - | ||
| 59,418 | 72,720 | 147,589 | ||
| 26.1% | 66.5% | 7.6% | ||
| 1.36 | 2.93 | 3.71 | ||
| 0.28 | 2.93 | 0.98 | ||
| 2.83 | 0.50 | 12.22 | ||
| -26.3% | 79.2% | 67.8% | ||
| -6.9% | 52.7% | 5.1% | ||
| -1.90 | 19.06 | 3.34 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | - | €4,548 |
| €921 | €961 | €1,632 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on Renohouse
The operating result for 2025 is a loss of €10,570, after a profit of €85,486 in 2024. It is the lowest result since 2023.
Debt's share of the balance-sheet total rises from 33.5% to 73.9%. Equity is lower and debt is higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 05-05-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 04-09-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 05-05-2022
Mandates through the years
1 name, the dashed line is todayMaes Ernie
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Maes Ernie
- Director (not named in the articles), appointed by deed of 05-05-2022, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 1,000
- Contribution per share
- €5
- Equity per share
- €59.10 in 2025
- Source
- deed of 05-05-2022
Articles of association
deed of 05-05-2022 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Tuesday of June at 14:00
Founder
At incorporation
deed of 05-05-2022 ↗
- Maes Ernie sole founder · 100% at incorporation
Network & group
No group
Renohouse has no parent and no holdings in its annual accounts. Maes Ernie is the only director. Renohouse shares no director with another company.
Timeline
Timeline
8 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 35 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0785642293
2025
Weakest financial year net -€15,572 The net result drops to -€15,572, the lowest from 2023 to 2025.
Annual accounts 2024 filed PDFmicro format · 22 days before the deadline
2024
Highest result from 2023 to 2025 net €59,169 ▲463% The operating result of €85,486 and the net result of €59,169 are both a record.
Annual accounts 2023 filed PDFmicro format · 37 days late
2022
IncorporationFounding capital of €5,000, 1,000 shares · Founder: Maes Ernie · Appointment: Maes Ernie (director) · published on 05-05-20224 points ▸
- Founder, Maes Ernie
- Founding capital, €5,000, 1,000 shares
- Board rule, 1
- Director appointment, Maes Ernie (director (not named in the articles))
- The deed holds 3 more points.
First establishment Godveerdegemstraat 211, Zottegem
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 3 May 2022, Renohouse was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 Maes Ernie is director of the company, appointed by deed of 05-05-2022.2 Total assets went from €204,907 in 2023 to €226,273 in 2025.3
Company details
Identity
- Enterprise number
- 0785.642.293
- VAT number
- BE 0785.642.293
- Peppol ID
- 0208:0785642293
- Other Peppol ID
- 9925:BE0785642293
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-05-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Tuesday of June at 14:00deed of 05-05-2022 (in Dutch)
- Peppol
- Reachable since 04-02-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Renohouse in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 05-05-2022 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Godveerdegemstraat 211”deed of 05-05-2022 (in Dutch)
Activities
NACEBEL 202543310
Plastering work main activity
43110
Demolition
43320
Joinery installation
Codes under NACEBEL 2008
43310
Plastering work main activity
41201
General construction of buildings
41202
Construction of residential and non-residential buildings
41203
Construction of residential and non-residential buildings
43110
Demolition
43320
Joinery installation
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Algemene bouwwerken; Aannemingen van algemene bouwwerken, grondwerken en vervoer, metsel- en betonwerken; Industriebouw en woningbouw…”deed of 05-05-2022 (in Dutch)
9 activities
- Algemene bouwwerken;
- Aannemingen van algemene bouwwerken, grondwerken en vervoer, metsel- en betonwerken;
- Industriebouw en woningbouw, verbouwingen van bestaande woningen, afbraakwerken;
- Aan- en verkoop van gronden en gebouwen, handel en fabricatie van alle bouw- en betonmaterialen, aanneming van betonen wegenwerken;
- Algemene onderneming al dan niet met coördinatie met onderaannemers;
- Aan- en verkoop, huren, onderhuren, verhuren, onderverhuren, bouwen, verbouwen, verpachten, ruilen van alle onroerende goederen bestemd voor alle doeleinden, het optreden als makelaar voor soortgelijke projecten;
- Ontwikkelen van projecten in de toeristische en de immobiliënsector in binnen- en buitenland;
- Verrichten van geldleningen, persoonlijke leningen en verkopen op afbetaling, kredietverleningen en toekennen van voorschotten, hiertoe alle waarborgen nemen inclusief de inpandname van handelsfondsen;
- Aan- en verkopen, oprichten, vernieuwen, verbeteren, huren, verhuren, onderverhuren, concessie en uitbating van alle handelsfondsen, licenties, merken, brevetten, know-how.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Godveerdegemstraat 211 registered office 9620 Zottegem | 03-05-2022 | 2.330.959.686 |
Buildings and parcels at the address
- Ground area
- 1,624 m²
- Buildings
- 142 m²
- Volume, LiDAR
- 879 m³
- Tallest building
- 10.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 41081A0882/00N002 | 1,624 m² | 1 · 142 m² | 10.7 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0785.642.293