Overdue debts
€12,861 on 31-12-2025
The annual accounts state €12,861 of overdue tax debts on 31-12-2025.
SN RENO
Lifetime
1 annual account with figurespeak €63,588 (2025)
€63,588
peak €51,083 (2025)
€51,083
peak €53,583 (2025)
€53,583
€13,281
Board1 name since 2024
1 directorSanjmyatav Namdag
Documentsfilings and deeds
08-07-202623 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsTurnover
≈ €330,000 estimated
The micro format states no turnover.
Position in the sector
80.1%
Higher solvency than 88% of companies in construction of buildings. Sector median 42.9% · 9,435 companies.
Checked score
55
Fair
Financially stronger than 81% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,459 companies (NACE 41, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 3.6%
02-2026: 3.7%▲ +0.1 percentage points vs 01-2026
03-2026: 3.8%▲ +0.1 percentage points vs 02-2026
04-2026: 4.2%▲ +0.4 percentage points vs 03-2026
05-2026: 4.2%● unchanged vs 04-2026
06-2026: 4.6%▲ +0.4 percentage points vs 05-2026
07-2026: 5.0%▲ +0.4 percentage points vs 06-2026highest value
08-2026: 2.4%▼ -2.6 percentage points vs 07-2026
09-2026: 2.4%● unchanged vs 08-2026
10-2026: 2.3%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 2.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €66,864
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Equity €53,583 (80.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 92% of them on solvency, 61% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as SN RENO has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of SN RENO itself is higher: 2.3% within 12 months. It rests on far more data about SN RENO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for SN RENO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.98, above the usual 1.5. Short-term debt is 19.9% and cash 10.2% of total assets. 19.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
23 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017362625
Incorporation
Founding capital of €2,500, 100 shares · Founder: NAMDAG Sanjmyatav · Appointment: NAMDAG Sanjmyatav (director) · published on 17-12-2024 · Gazette deed
First establishment
M. Scheperslaan 43, Heusden-Zolder
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SN RENO Heusden-Zolder | €66,864 | €63,588 | 80.1% | - |
| JUST MC Lennik | €71,112 | €60,076 | 62.3% | - |
| AR-Reno Schilde | €66,179 | €57,399 | 58.8% | - |
| P.P Construction Vaux-sur-Sûre | €66,404 | €67,414 | 51.8% | - |
| HOMI RENOVATIONS Grimbergen | €66,641 | €60,140 | 70.9% | - |
| HUSARIA BOUWBEDRIJF Lille | €60,799 | €59,824 | 75.6% | - |
| ASV RENOVATION Quaregnon | €74,505 | €70,604 | 49.9% | - |
These companies have the same main activity as SN RENO: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €60,800 and €74,500, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 13-12-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001
- Establishment unit
- 2.367.443.3663550 Heusden-Zolder, since 13-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 17-03-2025
Annual accounts 2025
- €66,864
- Filing
- Filed on 08-07-2026, 23 days before the end of the filing period
Insights on SN RENO
The computed 12-month bankruptcy probability of SN RENO is 2.3% (moderate). The 2025 annual accounts show equity of €53,583 and a net result of €51,083.
Its solvency ranks better than 88% of 9,435 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SN RENO
- What is the company number of SN RENO?
- The company number of SN RENO is 1017.362.625. The VAT number is the same number with BE in front: BE 1017.362.625.
- Where is SN RENO based?
- The registered office is at M. Scheperslaan 43, 3550 Heusden-Zolder.Company details
- What does SN RENO do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of SN RENO?
- SN RENO is a private limited company (BV).
- When was SN RENO founded?
- SN RENO was founded on 13-12-2024.
- Is SN RENO still active?
- Yes, SN RENO is an active enterprise in the KBO register.
- What is the turnover of SN RENO?
- The turnover in financial year 2025 is ≈ €330,000. This figure is estimated from the gross margin of €63,588 and 108 comparable companies (NACE 41001). It probably lies between €240,000 and €540,000.Financials
- Is SN RENO profitable?
- In financial year 2025, SN RENO made a profit of €51,083.
- Where can I find the annual accounts of SN RENO?
- SN RENO filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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