RenoVlad
ActiveRenoVlad has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-6k) and a net result of €-19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 3452 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
22
/ 100
Critical▼ -57 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+65
Solvency41▼-31
Growth32▼-46
Stability94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.83 against 1.6 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-20.3%
Return on assets
-61.8%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
4 d late
2024
12 d late
2023
34 d late
2022
112 d late
2021
37 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-6k
2024 · €13k
2021: €651
2022: €24k
2023: €12k
2024: €13k
2021 → 2025
Total assets
€30k▼ 9.4%
2024 · €34k
2021: €1k
2022: €44k
2023: €26k
2024: €34k
2021 → 2025
Net result
€-19k
2024 · €889
2021: €-1k
2022: €24k
2023: €-13k
2024: €889
2021 → 2025
Working capital
€-6k
2024 · €13k
2021: €-82
2022: €24k
2023: €12k
2024: €13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€651-€24k▲ 3,648%€12k▼ 52.0%€13k▲ 7.6%€-6k
Operating result€-1k-€31k€-12k€1k€-19k
Net result€-1k-€24k€-13k€889€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €1k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€150=
Current assets
€30k▼ 9.5%
Key figures and ratios
Solvency
-20.3%▼
2024 · 37.6%
Current ratio
0.83▼
2024 · 1.60
Quick ratio
0.83▼
2024 · 1.60
Debt / equity
-5.91▼
2024 · 1.66
ROE
303.9%▲
2024 · 7.0%
ROA
-61.8%▼
2024 · 2.6%
Debt
€37k▲
2024 · €21k
Debt ≤ 1 year
€37k▲
2024 · €21k
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€34k€30k▼
Fixed assets21/28€150€150=
Financial fixed assets28€150€150=
Current assets29/58€33k€30k▼
Amounts receivable within one year40/41€33k€30k▼
Trade receivables40€21k€22k▲
Other amounts receivable41€12k€8k▼
Cash at bank and in hand54/58€0€1▲
Equity and liabilities
Total equity and liabilities10/49€34k€30k▼
Equity10/15€13k€-6k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€11k€-8k▼
Amounts payable17/49€21k€37k▲
Amounts payable within one year42/48€21k€37k▲
Trade debts44€7k€23k▲
Suppliers440/4€7k€23k▲
Taxes, remuneration and social security45€6k-
Taxes450/3€6k-
Other amounts payable47/48€8k€13k▲
Accrued charges and deferred income492/3€75-
Income statement
Code20242025
Gross operating margin9900€1k€-19k▼
Operating profit (loss)9901€1k€-19k▼
Financial income75/76B€24€589▲
Recurring financial income75€24€589▲
Financial charges65/66B€172€667▲
Recurring financial charges65€172€667▲
Profit (loss) for the period before taxes9903€889€-19k▼
Profit (loss) for the period9904€889€-19k▼
Profit (loss) for the period to be appropriated9905€889€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-8k▼
Profit (loss) brought forward from the previous period14P€10k€11k▲
The notes to these accounts (2 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Weakest financial yearnet €-19k ▼2215%
Net result drops to €-19k, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Back to profitnet €889
Net result €889 after one loss-making year.
03-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 34 days late
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 112 days late
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.23
Current ratio from 0.77 to 2.23.
06-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 37 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, Antwerpen · 1 establishment unit since 2021
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.
Jozef Kenneslei 32610 AntwerpenGround area
178 m²
Building footprint
156 m²
Volume, LiDAR
1,292 m³
Parcel 11462A0206/00Z005, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RenoVlad
since 20212.321.485.954
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11462A0206/00Z005 | Flanders | 177 m² | 1 · 156 m² | 11.0 m · 3 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.
Similar companies · same sector, comparable size
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GOLD DECOR ART
BE 0783.958.255
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Collective A.
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NPS BELGIQUE
BE 0742.784.923
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Of 1,449 companies in sector 74130 we hold annual accounts for 341. 249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2021
Fiscal year end31-12
Activities, NACEBEL
74130Interior design
41001General construction of residential buildings
43341Painting of buildings
82100Office administrative and support services
82990Other business support services
88101Social work activities without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.