RenovISConcept
ActiveThe computed 12-month bankruptcy probability of RenovISConcept is 2.0% (moderate). The 2026 annual accounts show equity of €60k and a net result of €13k. Equity is growing by ~38.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 75 sector peers (fiscal year 2026). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability82▼-3
Solvency74▲+15
Growth85=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.19 in 2025; short-term debt: 50.7% and cash: 33.3% of total assets), but 50.7% 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 2026Solvency, return and age of the figures
Solvency
49.3%
Return on assets
10.8%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 21-08-2026, 10 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2026
10 d early
2025
30 d late
2024
40 d late
2023
25 d late
2022
6 d late
2021
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Turnover
€733k▲ 61.6%
2023 · €454k
2021: €81k
2022: €251k
2023: €454k
2021 → 2024
EBIT margin
1.9%▼ 0.3pp
2023 · 2.2%
2021: 10.6%
2022: 3.2%
2023: 2.2%
2021 → 2024
Net result
€13k▼ 27.4%
2025 · €18k
2021: €7k
2022: €5k
2023: €6k
2024: €6k
2025: €18k
2021 → 2026
Working capital
€44k▲ 163%
2025 · €17k
2021: €-25k
2022: €-122
2023: €10k
2024: €5k
2025: €17k
2021 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Turnover€251k-€454k▲ 80.8%€733k▲ 61.6%
Equity€17k-€23k▲ 35.7%€29k▲ 27.9%€47k▲ 62.7%€60k▲ 28.0%
Operating result€8k-€10k▲ 21.9%€14k▲ 40.0%€30k▲ 113%€23k▼ 23.1%
Net result€5k-€6k▲ 19.7%€6k▲ 6.3%€18k▲ 187%€13k▼ 27.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 23% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €122k
Fixed assets
€16k▼ 48.1%
Current assets
€106k▼ 1.8%
Equity and liabilities €122k
Equity
€60k▲ 28.0%
Debt
€62k▼ 32.5%
The debt ratio falls from 66.1% to 50.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▼
2025 · €47k
Cash flow
€28k▼
2025 · €36k
Solvency
49.3%▲
2025 · 33.9%
Current ratio
1.72▲
2025 · 1.19
Quick ratio
1.72▲
2025 · 1.19
Debt / equity
1.03▼
2025 · 1.95
ROE
21.8%▼
2025 · 38.5%
ROA
10.8%▼
2025 · 13.1%
Interest coverage
15.77▲
2025 · 14.67
Debt
€62k▼
2025 · €92k
Debt ≤ 1 year
€62k▼
2025 · €91k
Income taxes
€7k▼
2025 · €8k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€139k€122k▼
Fixed assets21/28€30k€16k▼
Tangible fixed assets22/27€30k€16k▼
Plant, machinery and equipment23€564-
Furniture and vehicles24€30k€16k▼
Financial fixed assets28€249€249=
Current assets29/58€108k€106k▼
Amounts receivable within one year40/41€43k€66k▲
Trade receivables40€35k€56k▲
Other amounts receivable41€9k€10k▲
Cash at bank and in hand54/58€65k€41k▼
Equity and liabilities
Total equity and liabilities10/49€139k€122k▼
Equity10/15€47k€60k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€42k€55k▲
Amounts payable17/49€92k€62k▼
Amounts payable after more than one year17€297-
Financial debts170/4€297-
Amounts payable within one year42/48€91k€62k▼
Current portion of amounts payable after more than one year42€4k€300▼
Trade debts44€49k€43k▼
Suppliers440/4€46k€38k▼
Bills of exchange payable441€4k€4k▲
Taxes, remuneration and social security45€38k€19k▼
Taxes450/3€10k€16k▲
Remuneration and social security454/9€28k€3k▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€15k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€50k€40k▼
Operating profit (loss)9901€30k€23k▼
Financial income75/76B-€71
Recurring financial income75-€71
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€26k€20k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€18k€13k▼
Profit (loss) for the period to be appropriated9905€18k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€55k▲
Profit (loss) brought forward from the previous period14P€24k€42k▲
The notes to these accounts (5 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 2027, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
31-01
Financial
Highest result since 2021net €18k ▲187%
Operating result €30k, net result €18k, both a record.
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 40 days late
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 25 days late
2022
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 6 days late
31-01
Financial
Weakest financial yearnet €5k ▼25.8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 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, Gingelom · 1 establishment unit since 2020
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.
Driesstraat 13890 GingelomGround area
1,150 m²
Building footprint
132 m²
Parcel 71030B0210/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
RenovISConcept
since 20202.305.860.442
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71030B0210/00G000 | Flanders | 1,150 m² | 1 · 132 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
TERRA JOMA
BE 0771.408.732
Couvin · Eq €60k
BECO
BE 0475.036.219
Puurs-Sint-Amands · Eq €60k
BELCAT
BE 0803.182.368
Gent · Eq €60k
VDW FR
BE 0798.515.183
Lierneux · Eq €60k
AMENAGEMENTS MAXIME DUJARDIN
BE 0478.943.240
Attert · Eq €60k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-2020
Fiscal year end31-01
Activities, NACEBEL
43120Site preparation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43350Other building finishing work
43992Specialised construction activities
81220Other building cleaning and industrial cleaning
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.