Rinov

Active

Private limited companyfounded 20196 yrs activeRue du Tilleul(MOH) 247, 4520 Wanze, BelgiumKBO/BCE: BE 0738.949.463

The computed 12-month bankruptcy probability of Rinov is 2.0% (moderate). The 2025 annual accounts show equity of €54k and a net result of €45k. Equity is growing by ~57.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 4486 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

70 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+5

Solvency59▲+8

Growth78=

Track record100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity tight (current ratio 1.0 against 0.75 in 2024; short-term debt: 55.6% and cash: 27.7% of total assets), and 65.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

34.4%

Return on assets

28.7%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-04-2026, 92 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

92 d early

2024

13 d early

2023

28 d early

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€54k▲ 37.6%

2024 · €39k

2023: €9k 2024: €39k

2023 → 2025

Total assets

€156k▲ 6.0%

2024 · €147k

2023: €129k 2024: €147k

2023 → 2025

Net result

€45k▲ 47.0%

2024 · €30k

2023: €19k 2024: €30k

2023 → 2025

Working capital

€206

2024 · €-20k

2023: €-48k 2024: €-20k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€9k-€39k▲ 355%€54k▲ 37.6%

Operating result€24k-€43k▲ 74.9%€64k▲ 50.3%

Net result€19k-€30k▲ 62.8%€45k▲ 47.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2025 is 50% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €156k

44.2%

55.8%

Fixed assets €69k▼ 21.3%

Current assets €87k▲ 46.2%

Equity and liabilities €156k

34.4%

65.6%

Equity €54k▲ 37.6%

Debt €102k▼ 5.4%

The debt ratio falls from 73.5% to 65.6%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€88k▲

2024 · €64k

Cash flow

€69k▲

2024 · €52k

Solvency

34.4%▲

2024 · 26.5%

Current ratio

1.00▲

2024 · 0.75

Quick ratio

1.00▲

2024 · 0.75

Debt / equity

1.91▼

2024 · 2.78

ROE

83.4%▲

2024 · 78.0%

ROA

28.7%▲

2024 · 20.7%

Interest coverage

26.28▼

2024 · 31.44

Debt

€102k▼

2024 · €108k

Debt ≤ 1 year

€87k▲

2024 · €80k

Debt > 1 year

€14k▼

2024 · €28k

Income taxes

€17k▲

2024 · €11k

Staff costs

€32k▲

2024 · €20k

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€147k€156k▲

Fixed assets21/28€87k€69k▼

Intangible fixed assets21€59k€46k▼

Tangible fixed assets22/27€28k€23k▼

Furniture and vehicles24€28k€23k▼

Current assets29/58€59k€87k▲

Amounts receivable within one year40/41€17k€36k▲

Trade receivables40€9k€30k▲

Other amounts receivable41€8k€7k▼

Cash at bank and in hand54/58€41k€43k▲

Deferred charges and accrued income490/1€2k€7k▲

Equity and liabilities

Total equity and liabilities10/49€147k€156k▲

Equity10/15€39k€54k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€34k€49k▲

Amounts payable17/49€108k€102k▼

Amounts payable after more than one year17€28k€14k▼

Financial debts170/4€28k€14k▼

Amounts payable within one year42/48€80k€87k▲

Current portion of amounts payable after more than one year42€14k€15k▲

Trade debts44€8k€20k▲

Suppliers440/4€8k€20k▲

Advances received on contracts in progress46€18k€9k▼

Taxes, remuneration and social security45€2k€8k▲

Taxes450/3€28€2k▲

Remuneration and social security454/9€2k€6k▲

Other amounts payable47/48€38k€35k▼

Accrued charges and deferred income492/3€100€2k▲

Income statement Code20242025

Remuneration, social security and pensions62€20k€32k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€24k▲

Other operating charges640/8€972€2k▲

Gross operating margin9900€85k€122k▲

Operating profit (loss)9901€43k€64k▲

Financial income75/76B€1k€786▼

Recurring financial income75€1k€786▼

Financial charges65/66B€2k€3k▲

Recurring financial charges65€2k€3k▲

Profit (loss) for the period before taxes9903€42k€61k▲

Income taxes67/77€11k€17k▲

Profit (loss) for the period9904€30k€45k▲

Profit (loss) for the period to be appropriated9905€30k€45k▲

Appropriation of the result

Profit (loss) to be appropriated9906€34k€79k▲

Profit (loss) brought forward from the previous period14P€4k€34k▲

Profit to be distributed694/7-€30k

Return on contributions (dividend)694-€30k

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Highest result since 2023net €45k ▲47%

Operating result €64k, net result €45k, both a record.

18-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

03-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Wanze · 1 establishment unit since 2019

establishment The establishment unit on the map

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 du Tilleul(MOH) 2474520 Wanze

Ground area

580 m²

Building footprint

41 m²

Volume, LiDAR

322 m³

Parcel 61042B0601/00S000, Wallonia · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Rue du Tilleul(MOH) 247, 4520 Wanze

Real estate development

since 20192.296.731.455

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
61042B0601/00S000	Wallonia	579 m²	1 · 41 m²	9.0 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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CUYPSERVICES

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DE BRANCHE EN BRANCHE

Of 21,218 companies in sector 81300 we hold annual accounts for 4,363. 3,620 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded11-12-2019

Fiscal year end31-12

Activities, NACEBEL

43350Other building finishing work

81300Landscape service activities

43221Plumbing work

43230Insulation installation

43291Specialised construction activities

43320Joinery installation

43910Bricklaying and masonry work

43994Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.