Renov Toit
ActiveSummary
The computed 12-month bankruptcy probability of Renov Toit is 2.0% (moderate). The 2025 annual accounts show equity of €45k and a net result of €51k. Equity is shrinking by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 57% 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
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency79▲+41
Growth58=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.12 in 2024; short-term debt: 39.8% and cash: 60.8% of total assets), and 46.3% 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
53.7%
Return on assets
62%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €45k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
38 d early
2022
21 d early
2021
31 d late
2020
60 d late
2019
91 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
Equity
€45k▲ 160%
2024 · €17k
2019: €49k
2020: €93k
2021: €119k
2022: €41k
2023: €37k
2024: €17k
2019 → 2025
Total assets
€83k▼ 38.0%
2024 · €133k
2019: €84k
2020: €132k
2021: €178k
2022: €182k
2023: €128k
2024: €133k
2019 → 2025
Net result
€51k▼ 21.3%
2024 · €65k
2019: €45k
2020: €44k
2021: €26k
2022: €21k
2023: €56k
2024: €65k
2019 → 2025
Working capital
€38k▲ 182%
2024 · €13k
2019: €47k
2020: €87k
2021: €105k
2022: €32k
2023: €30k
2024: €13k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€41k▼ 65.8%€37k▼ 9.9%€17k▼ 53.5%€45k▲ 160%
Operating result€33k-€30k▼ 8.9%€75k▲ 152%€88k▲ 17.5%€69k▼ 22.2%
Net result€26k-€21k▼ 19.0%€56k▲ 161%€65k▲ 16.6%€51k▼ 21.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€12k ▼ 1.2%
Current assets
€71k ▼ 41.7%
Equity and liabilities €83k
Equity
€45k ▲ 160%
Debt
€38k ▼ 67.1%
Debt's share of the balance-sheet total falls from 87.2% to 46.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▼
2024 · €96k
Cash flow
€60k▼
2024 · €73k
Current ratio
2.14▲
2024 · 1.12
Quick ratio
1.92▲
2024 · 1.05
Debt to equity
0.86▼
2024 · 6.79
ROE
115.4%▼
2024 · 380.9%
ROA
62.0%▲
2024 · 48.9%
Interest coverage
204.53▲
2024 · 170.52
Debt ≤ 1 year
€33k▼
2024 · €108k
Debt > 1 year
€5k▼
2024 · €9k
Income taxes
€17k▼
2024 · €23k
Staff costs
€3k▲
2024 · €2k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€133k€83k▼
Fixed assets21/28€12k€12k▼
Tangible fixed assets22/27€12k€12k▼
Plant, machinery and equipment23€935€7k▲
Furniture and vehicles24€628€898▲
Leasing and similar rights25€11k€4k▼
Current assets29/58€121k€71k▼
Stocks and contracts in progress3€8k€7k▼
Stocks30/36€8k€7k▼
Amounts receivable within one year40/41€34k€10k▼
Trade receivables40€29k€6k▼
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€76k€50k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€133k€83k▼
Equity10/15€17k€45k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€11k€38k▲
Amounts payable17/49€116k€38k▼
Amounts payable after more than one year17€9k€5k▼
Financial debts170/4€9k€5k▼
Amounts payable within one year42/48€108k€33k▼
Current portion of amounts payable after more than one year42€5k€3k▼
Trade debts44€3k€422▼
Suppliers440/4€3k€422▼
Taxes, remuneration and social security45€19k€10k▼
Taxes450/3€19k€10k▼
Other amounts payable47/48€80k€20k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-7k
Other operating charges640/8€1k€14k▲
Gross operating margin9900€99k€87k▼
Operating profit (loss)9901€88k€69k▼
Financial income75/76B€90€181▲
Recurring financial income75€90€181▲
Financial charges65/66B€564€379▼
Recurring financial charges65€564€379▼
Profit (loss) for the period before taxes9903€88k€69k▼
Income taxes67/77€23k€17k▼
Profit (loss) for the period9904€65k€51k▼
Profit (loss) for the period to be appropriated9905€65k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€96k€62k▼
Profit (loss) brought forward from the previous period14P€31k€11k▼
Profit to be distributed694/7€85k€24k▼
Return on contributions (dividend)694€85k€24k▼
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
26-03
State Gazette act
Resignation: Michel CULOT (director)2 facts ▸
State Gazette act
Resignation: Michel CULOT (director)
2 facts ▸
- General meeting, 30/01/2026
- Director resignation, Michel CULOT (director)
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €65k ▲16.6%
Operating result €88k, net result €65k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €21k ▼19%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €119k ▲28.4%
3 profitable years in a row build equity to €119k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-01-2026
Resigned as Director
Location & real-estate footprint
Registered office, Farciennes · 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.
Rue de la Taillette(FAR) 46240 FarciennesGround area
249 m²
Building footprint
67 m²
Parcel 52018B0437/00P003, Wallonia. Linked by address, not a title deed.
1 establishment unit
RENOV TOIT SRL
since 20192.290.030.141
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52018B0437/00P003 | Wallonia | 249 m² | 1 · 67 m² | - |
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
TG-ME
BE 1003.956.730
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STEFANDAK
BE 0836.866.708
Brecht · Eq €44,565
Toitures Charlier
BE 0887.374.806
Fernelmont · Eq €44,396
DOC TOITURES
BE 0645.890.831
Waterloo · Eq €44,361
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,625 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
Founded14-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43120Site preparation
43230Insulation installation
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.