S.P. RENES
ActiveS.P. RENES has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €60k. Its solvency ranks better than 62% of 7733 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency90▲+76
Growth78
Track record82
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 0.9 in 2024; short-term debt: 35.1% and cash: 58.9% of total assets), and 35.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
64.9%
Return on assets
65.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2024
17 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k
2024 · €-563
2024: €-563
2024 → 2025
Total assets
€92k▲ 1,729%
2024 · €5k
2024: €5k
2024 → 2025
Net result
€60k
2024 · €-3k
2024: €-3k
2024 → 2025
Working capital
€60k
2024 · €-563
2024: €-563
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€-563-€60k
Operating result€-3k-€78k
Net result€-3k-€60k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €78k after a loss of €3k in 2024.
Balance-sheet composition
Equity and liabilities €92k
Equity
€60k
Debt
€32k
Debt finances 35.1% of the balance-sheet total.
Key figures and ratios
Solvency
64.9%▲
2024 · -11.2%
Current ratio
2.85▲
2024 · 0.90
Quick ratio
2.85▲
2024 · 0.90
Debt / equity
0.54
ROE
100.9%
ROA
65.6%▲
2024 · -51.1%
Debt
€32k▲
2024 · €6k
Debt ≤ 1 year
€32k▲
2024 · €6k
Income taxes
€16k
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€5k€92k▲
Current assets29/58€5k€92k▲
Amounts receivable within one year40/41€499€33k▲
Trade receivables40-€33k
Other amounts receivable41€499€0▼
Cash at bank and in hand54/58€4k€54k▲
Deferred charges and accrued income490/1€65€5k▲
Equity and liabilities
Total equity and liabilities10/49€5k€92k▲
Equity10/15€-563€60k▲
Contributions10/11€2k€2k=
Reserves13-€58k
Distributable reserves133-€58k
Profit (loss) carried forward14€-3k€0▲
Amounts payable17/49€6k€32k▲
Amounts payable within one year42/48€6k€32k▲
Trade debts44€129€7k▲
Suppliers440/4€129€7k▲
Taxes, remuneration and social security45-€21k
Taxes450/3-€21k
Other amounts payable47/48€5k€4k▼
Accrued charges and deferred income492/3-€1
Income statement
Code20242025
Other operating charges640/8-€582
Gross operating margin9900€-3k€78k▲
Operating profit (loss)9901€-3k€78k▲
Financial charges65/66B-€2k
Recurring financial charges65-€2k
Profit (loss) for the period before taxes9903€-3k€76k▲
Income taxes67/77-€16k
Profit (loss) for the period9904€-3k€60k▲
Profit (loss) for the period to be appropriated9905€-3k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€58k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer to equity691/2-€58k
To other reserves6921-€58k
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 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €60k
Net result €60k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.85
Current ratio from 0.90 to 2.85.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Gent · 1 establishment unit since 2024
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.
Perkamentstraat 99000 GentGround area
456 m²
Building footprint
456 m²
Volume, LiDAR
5,691 m³
Parcel 44815F3039/00S000, Flanders · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
S.P. RENES
since 20242.366.930.949
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F3039/00S000 | Flanders | 456 m² | 1 · 456 m² | 15.1 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 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,560 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2024
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.