REYNAERT TIM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €48k and a net result of €-46. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 20% of 83 sector peers (fiscal year 2026). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 83 sector peers (2026).
NBB · sector comparisonPosition among 83 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 03-09-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
58 d early
2025
53 d early
2024
56 d early
2023
60 d early
2022
145 d early
2021
26 d early
2020
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€48k▼ 0.1%
2025 · €48k
2019: €50k
2020: €69k
2021: €68k
2022: €63k
2023: €54k
2024: €50k
2025: €48k
2019 → 2026
Net result
€-46▲ 98.0%
2025 · €-2k
2019: €27k
2020: €35k
2021: €11k
2022: €-5k
2023: €-8k
2024: €-4k
2025: €-2k
2019 → 2026
Total assets
€211k▼ 4.0%
2025 · €220k
2019: €268k
2020: €334k
2021: €276k
2022: €251k
2023: €240k
2024: €231k
2025: €220k
2019 → 2026
Solvency
22.6%▲ 0.9pp
2025 · 21.7%
2019: 18.5%
2020: 20.6%
2021: 24.7%
2022: 24.9%
2023: 22.6%
2024: 21.7%
2025: 21.7%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€63k-€54k▼ 13.5%€50k▼ 7.6%€48k▼ 4.7%€48k▼ 0.1%
Operating result€-2k-€-5k▼ 145%€-1k▲ 72.8%€-95▲ 93.6%€2k
Net result€-5k-€-8k▼ 53.5%€-4k▲ 51.5%€-2k▲ 43.0%€-46▲ 98.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €2k after a loss of €95 in 2025, the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €211k
Fixed assets
€209k▼ 4.0%
Current assets
€3k▼ 6.3%
Equity and liabilities €211k
Equity
€48k▼ 0.1%
Debt
€164k▼ 5.1%
The debt ratio falls from 78.3% to 77.4%. Equity and debt are lower.
Key figures and ratios
Solvency
22.6%▲
2025 · 21.7%
ROE
-0.1%▲
2025 · -4.9%
ROA
0.0%▲
2025 · -1.1%
Debt
€164k▼
2025 · €172k
Debt ≤ 1 year
€105k▲
2025 · €94k
Debt > 1 year
€59k▼
2025 · €79k
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€220k€211k▼
Fixed assets21/28€217k€209k▼
Tangible fixed assets22/27€217k€209k▼
Land and buildings22€217k€208k▼
Plant, machinery and equipment23€433€165▼
Furniture and vehicles24€386€212▼
Current assets29/58€3k€3k▼
Cash at bank and in hand54/58€2k€2k▼
Deferred charges and accrued income490/1€753€771▲
Equity and liabilities
Total equity and liabilities10/49€220k€211k▼
Equity10/15€48k€48k▼
Contributions10/11€12k€12k=
Reserves13€35k€35k▼
Distributable reserves133€35k€35k▼
Amounts payable17/49€172k€164k▼
Amounts payable after more than one year17€79k€59k▼
Financial debts170/4€78k€58k▼
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€94k€105k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Financial debts43€1k€1k=
Credit institutions430/8€1k€1k=
Trade debts44€408-
Suppliers440/4€408-
Taxes, remuneration and social security45€37€9▼
Taxes450/3€37€9▼
Other amounts payable47/48€72k€83k▲
Accrued charges and deferred income492/3€146€117▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€10k€12k▲
Operating profit (loss)9901€-95€2k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-2k€-46▲
Profit (loss) for the period9904€-2k€-46▲
Profit (loss) for the period to be appropriated9905€-2k€-46▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-46▲
Transfer from equity791/2€2k€46▼
The notes to these accounts (11 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
03-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Highest result since 2019net €35k ▲31.9%
Operating result €46k, net result €35k, both a record.
2019
17-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Brugge · 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.
Houtkaai 348000 BruggeGround area
2,031 m²
Building footprint
692 m²
Volume, LiDAR
8,719 m³
Parcel 31808M0472/00P003, Flanders · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Reynaert Tim
since 20132.219.870.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808M0472/00P003 | Flanders | 2,031 m² | 1 · 692 m² | 15.5 m · 4 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 10,293 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2013
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.