RenoZen
ActiveRenoZen has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €395k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 15% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▲+6
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 1.24 in 2024), and 85.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
14.2%
Return on assets
30.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7689 sector peers (2025).
NBB · sector comparisonPosition among 7689 sector peers
Solvency
better than 15%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €186k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 10 filingsDeviation from the deadline
2025
7 d late
2024
35 d early
2023
36 d early
2022
28 d late
2021
32 d early
2020
107 d early
2019
32 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€186k▲ 72.0%
2024 · €108k
2018: €117k
2019: €139k
2020: €160k
2021: €180k
2022: €130k
2023: €132k
2024: €108k
2018 → 2025
Total assets
€1.31M▲ 40.8%
2024 · €928k
2018: €568k
2019: €829k
2020: €747k
2021: €931k
2022: €1.05M
2023: €1.07M
2024: €928k
2018 → 2025
Net result
€395k▲ 18.3%
2024 · €334k
2018: €1k
2019: €140k
2020: €168k
2021: €232k
2022: €421k
2023: €425k
2024: €334k
2018 → 2025
Working capital
€144k▲ 55.2%
2024 · €93k
2018: €122k
2019: €73k
2020: €92k
2021: €290k
2022: €222k
2023: €207k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€130k▼ 27.6%€132k▲ 1.2%€108k▼ 18.1%€186k▲ 72.0%
Operating result€304k-€499k▲ 64.2%€572k▲ 14.5%€507k▼ 11.3%€580k▲ 14.3%
Net result€232k-€421k▲ 81.4%€425k▲ 1.0%€334k▼ 21.3%€395k▲ 18.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€831k▲ 82.7%
Current assets
€476k▲ 0.6%
Equity and liabilities €1.31M
Equity
€186k▲ 72.0%
Debt
€1.12M▲ 36.7%
The debt ratio falls from 88.4% to 85.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€670k▲
2024 · €583k
Cash flow
€486k▲
2024 · €410k
Solvency
14.2%▲
2024 · 11.6%
Current ratio
1.43▲
2024 · 1.24
Quick ratio
1.43▲
2024 · 1.24
Debt / equity
6.04▼
2024 · 7.60
ROE
213.0%▼
2024 · 309.7%
ROA
30.3%▼
2024 · 36.0%
Interest coverage
24.71▼
2024 · 37.86
Debt
€1.12M▲
2024 · €820k
Debt ≤ 1 year
€332k▼
2024 · €380k
Debt > 1 year
€651k▲
2024 · €303k
Income taxes
€171k▼
2024 · €178k
Staff costs
€317k▲
2024 · €298k
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€928k€1.31M▲
Fixed assets21/28€455k€831k▲
Tangible fixed assets22/27€455k€831k▲
Land and buildings22€347k€333k▼
Furniture and vehicles24€100k€117k▲
Assets under construction and advance payments27€8k€380k▲
Current assets29/58€473k€476k▲
Stocks and contracts in progress3€768€768=
Stocks30/36€768€768=
Amounts receivable within one year40/41€218k€301k▲
Trade receivables40€205k€278k▲
Other amounts receivable41€13k€23k▲
Cash at bank and in hand54/58€250k€170k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€928k€1.31M▲
Equity10/15€108k€186k▲
Contributions10/11€19k€19k=
Reserves13€89k€167k▲
Distributable reserves133€89k€167k▲
Amounts payable17/49€820k€1.12M▲
Amounts payable after more than one year17€303k€651k▲
Financial debts170/4€303k€651k▲
Amounts payable within one year42/48€380k€332k▼
Current portion of amounts payable after more than one year42€71k€65k▼
Trade debts44€255k€92k▼
Suppliers440/4€255k€92k▼
Taxes, remuneration and social security45€30k€44k▲
Taxes450/3-€8k
Remuneration and social security454/9€30k€37k▲
Other amounts payable47/48€24k€130k▲
Accrued charges and deferred income492/3€137k€138k▲
Income statement
Code20242025
Remuneration, social security and pensions62€298k€317k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€90k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€327
Other operating charges640/8€20k€7k▼
Gross operating margin9900€900k€994k▲
Operating profit (loss)9901€507k€580k▲
Financial income75/76B€21k€14k▼
Recurring financial income75€21k€14k▼
Financial charges65/66B€15k€27k▲
Recurring financial charges65€15k€27k▲
Profit (loss) for the period before taxes9903€513k€567k▲
Income taxes67/77€178k€171k▼
Profit (loss) for the period9904€334k€395k▲
Profit (loss) for the period to be appropriated9905€334k€395k▲
Appropriation of the result
Profit (loss) to be appropriated9906€334k€395k▲
Transfer from equity791/2€24k-
Transfer to equity691/2-€78k
To the legal reserve6920-€78k
Profit to be distributed694/7€358k€318k▼
Return on contributions (dividend)694€358k€318k▼
Social balance
Average headcount (FTE)90873.6-
The notes to these accounts (10 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
31-12
Financial
Equity above €150kEq €186k ▲72%
8 profitable years in a row build equity to €186k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €425k ▲1%
Net result €425k, the highest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150kEq €160k ▲15%
3 profitable years in a row build equity to €160k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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 2013
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.
Oudeleeuwenrui 82000 AntwerpenGround area
4,186 m²
Building footprint
126 m²
Volume, LiDAR
1,469 m³
Parcel 11802B0114/00T000, Flanders · tallest building 18.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RenoZen
since 20132.220.891.709
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B0114/00T000 | Flanders | 4,186 m² | 1 · 126 m² | 18.8 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 750 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 12,131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.