RENOMA OPERATIONS
ActiveThe computed 12-month bankruptcy probability of RENOMA OPERATIONS is 2.2% (moderate). The 2025 annual accounts show equity of €48k and a net result of €17k. Equity is growing by ~30.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 27559 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+10
Solvency100▲+13
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 4.09 against 2.02 in 2024; short-term debt: 19.4% and cash: 12% of total assets), and 25.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
74.8%
Return on assets
26.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
18 d late
2024
38 d early
2023
43 d early
2022
42 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 44.0%
2024 · €33k
2022: €26k
2023: €24k
2024: €33k
2022 → 2025
Total assets
€64k▲ 18.7%
2024 · €54k
2022: €58k
2023: €53k
2024: €54k
2022 → 2025
Net result
€17k▲ 84.4%
2024 · €9k
2022: €23k
2023: €-2k
2024: €9k
2022 → 2025
Working capital
€38k▲ 122%
2024 · €17k
2022: €15k
2023: €17k
2024: €17k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€26k-€24k▼ 7.2%€33k▲ 38.7%€48k▲ 44.0%
Operating result€30k-€-1k€18k€25k▲ 40.0%
Net result€23k-€-2k€9k€17k▲ 84.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€13k▼ 32.9%
Current assets
€51k▲ 48.2%
Equity and liabilities €64k
Equity
€48k▲ 44.0%
Debt
€16k▼ 22.0%
The debt ratio falls from 38.3% to 25.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €24k
Cash flow
€24k▲
2024 · €16k
Solvency
74.8%▲
2024 · 61.7%
Current ratio
4.09▲
2024 · 2.02
Quick ratio
4.09▲
2024 · 2.02
Debt / equity
0.34▼
2024 · 0.62
ROE
35.7%▲
2024 · 27.9%
ROA
26.8%▲
2024 · 17.2%
Interest coverage
9.36▼
2024 · 17.12
Debt
€16k▼
2024 · €21k
Debt ≤ 1 year
€12k▼
2024 · €17k
Debt > 1 year
€4k=
2024 · €4k
Income taxes
€4k▲
2024 · €2k
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€54k€64k▲
Fixed assets21/28€20k€13k▼
Tangible fixed assets22/27€20k€13k▼
Plant, machinery and equipment23€842€283▼
Furniture and vehicles24€19k€13k▼
Current assets29/58€34k€51k▲
Amounts receivable within one year40/41€32k€43k▲
Trade receivables40€4k€3k▼
Other amounts receivable41€28k€40k▲
Cash at bank and in hand54/58€2k€8k▲
Deferred charges and accrued income490/1-€427
Equity and liabilities
Total equity and liabilities10/49€54k€64k▲
Equity10/15€33k€48k▲
Contributions10/11€3k€3k=
Reserves13€31k€45k▲
Distributable reserves133€31k€45k▲
Amounts payable17/49€21k€16k▼
Amounts payable after more than one year17€4k€4k=
Financial debts170/4€4k€4k=
Amounts payable within one year42/48€17k€12k▼
Current portion of amounts payable after more than one year42€7k-
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45-€4k
Taxes450/3-€4k
Other amounts payable47/48-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€146€4k▲
Gross operating margin9900€24k€36k▲
Operating profit (loss)9901€18k€25k▲
Financial income75/76B€18€19▲
Recurring financial income75€18€19▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€1k€3k▲
Non-recurring financial charges66B€5k-
Profit (loss) for the period before taxes9903€11k€21k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€9k€17k▲
Profit (loss) for the period to be appropriated9905€9k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€17k▲
Profit (loss) brought forward from the previous period14P€-2k-
Transfer to equity691/2€7k€15k▲
To other reserves6921€7k€15k▲
Profit to be distributed694/7-€3k
Directors or managers695-€3k
The notes to these accounts (6 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 4.09
Current ratio from 2.02 to 4.09; short-term debt falls from €17k to €12k.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-2k ▼108%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Dendermonde · 1 establishment unit since 2022
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.
Mandekensstraat (BAA) 2409200 DendermondeGround area
258 m²
Building footprint
117 m²
Volume, LiDAR
639 m³
Parcel 42002B0875/00K000, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
RENOMA OPERATIONS
since 20222.335.760.889
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42002B0875/00K000 | Flanders | 258 m² | 1 · 117 m² | 10.4 m · 1 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.
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LES ARTISANS FACADIERS
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Of 4,267 companies in sector 43230 we hold annual accounts for 1,240. 1,020 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2022
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43211General electrical installation work
43221Plumbing work
43310Plastering work
43320Joinery installation
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.