Renomat Construct
ActiveSummary
The computed 12-month bankruptcy probability of Renomat Construct is 3.4% (moderate). The 2025 annual accounts show equity of €46k and a net result of €21k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 41% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+18
Solvency64=
Growth85▲+17
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.57 in 2024; short-term debt: 33.9% and cash: 49.6% of total assets), but 60.5% 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 · 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
39.5%
Return on assets
18%
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 27-05-2026, 65 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
65 d early
2024
68 d early
2023
34 d early
2022
7 d late
2021
59 d early
2020
16 d late
2019
68 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, micro schema
Turnover
€185k▲ 122%
2019 · €84k
2019: €84k
2019 → 2020
EBIT margin
2.4%▼ 6.7pp
2019 · 9.2%
2019: 9.2%
2019 → 2020
Net result
€21k▲ 849%
2024 · €2k
2019: €7k
2020: €4k
2021: €4k
2022: €2k
2023: €658
2024: €2k
2019 → 2025
Working capital
€37k▲ 66.1%
2024 · €22k
2019: €-24k
2020: €-12k
2021: €-1k
2022: €2k
2023: €10k
2024: €22k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€24k▲ 4.2%€24k▼ 0.5%€25k▲ 6.1%€46k▲ 83.8%
Operating result€5k-€3k▼ 38.3%€2k▼ 25.9%€3k▲ 25.8%€30k▲ 888%
Net result€4k-€2k▼ 56.1%€658▼ 62.1%€2k▲ 237%€21k▲ 849%
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 888% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€40k ▲ 1,306%
Current assets
€77k ▲ 24.7%
Equity and liabilities €117k
Equity
€46k ▲ 83.8%
Debt
€71k ▲ 80.7%
Debt's share of the balance-sheet total falls from 60.9% to 60.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35k▲
2024 · €16k
Cash flow
€26k▲
2024 · €16k
Current ratio
1.93▲
2024 · 1.57
Debt to equity
1.53▼
2024 · 1.56
ROE
45.6%▲
2024 · 8.8%
ROA
18.0%▲
2024 · 3.4%
Interest coverage
19.28▼
2024 · 25.85
Debt ≤ 1 year
€40k▲
2024 · €39k
Debt > 1 year
€31k
Income taxes
€8k▲
2024 · €1k
Staff costs
€49k▲
2024 · €35k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€64k€117k▲
Fixed assets21/28€3k€40k▲
Tangible fixed assets22/27€2k€40k▲
Plant, machinery and equipment23€544€2k▲
Furniture and vehicles24€2k€38k▲
Financial fixed assets28€544€544=
Current assets29/58€61k€77k▲
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€28k€12k▼
Trade receivables40€27k€6k▼
Other amounts receivable41€852€6k▲
Cash at bank and in hand54/58€27k€58k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€64k€117k▲
Equity10/15€25k€46k▲
Contributions10/11€6k€6k=
Reserves13€620€620=
Distributable reserves133€620€620=
Profit (loss) carried forward14€18k€39k▲
Amounts payable17/49€39k€71k▲
Amounts payable after more than one year17-€31k
Financial debts170/4-€31k
Amounts payable within one year42/48€39k€40k▲
Current portion of amounts payable after more than one year42€2k€8k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€1k€8k▲
Remuneration and social security454/9€10k€5k▼
Other amounts payable47/48€20k€11k▼
Accrued charges and deferred income492/3€27€7▼
Income statement
Code20242025
Non-recurring operating income76A-€34k
Remuneration, social security and pensions62€35k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€5k▼
Other operating charges640/8€976€1k▲
Non-recurring operating charges66A€2k€370▼
Gross operating margin9900€54k€86k▲
Operating profit (loss)9901€3k€30k▲
Financial income75/76B€805€15▼
Recurring financial income75€805€15▼
Financial charges65/66B€635€2k▲
Recurring financial charges65€635€2k▲
Profit (loss) for the period before taxes9903€3k€29k▲
Income taxes67/77€1k€8k▲
Profit (loss) for the period9904€2k€21k▲
Profit (loss) for the period to be appropriated9905€2k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€39k▲
Profit (loss) brought forward from the previous period14P€16k€18k▲
The notes to these accounts (9 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €21k ▲849%
Operating result €30k, net result €21k, both a record.
24-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €658 ▼62.1%
Net result drops to €658, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
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, Anderlecht · 1 establishment unit since 2019
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.
Waardigheidsstraat 161070 AnderlechtGround area
133 m²
Building footprint
65 m²
Volume, LiDAR
402 m³
Parcel 21308H0019/00K000, Brussels · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RENOMAT CONSTRUCT
since 20192.289.928.587
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0019/00K000 | Brussels | 133 m² | 1 · 65 m² | 10.3 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.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,040 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
Founded05-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:renomat.construct@gmail.com