Step-Reno

Active

Private limited companyfounded 20233 yrs activeGrand Route(RVX) 1, 4140 Sprimont, BelgiumKBO/BCE: BE 0798.252.194

The computed 12-month bankruptcy probability of Step-Reno is 2.4% (moderate). The 2025 annual accounts show equity of €22k and a net result of €6k. Equity is growing by ~100.5% per year across the filed fiscal years. Its solvency ranks better than 16% of 7321 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

43 / 100

Weak▼ -33 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency7▼-13

Growth78=

Stability94

Bankruptcy probability, 12 months

2.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity short (current ratio 0.63 against 1.16 in 2024), and 93.1% 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

Eight 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 41

Relative position

BE, all sectors

reference

Sector 41

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

6.9%

Return on assets

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

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 7321 sector peers (2025).

NBB · sector comparison

Position among 7321 sector peers

Solvency

better than 16%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filings

Deviation from the deadline

2025

31 d late

2024

28 d early

2023

9 d late

← 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

16-09-2026 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

€22k▲ 40.6%

2024 · €16k

2023: €-22k 2024: €16k

2023 → 2025

Total assets

€320k▲ 54.7%

2024 · €207k

2023: €49k 2024: €207k

2023 → 2025

Net result

€6k▼ 89.3%

2024 · €60k

2023: €-25k 2024: €60k

2023 → 2025

Working capital

€-99k

2024 · €25k

2023: €-2k 2024: €25k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€-22k-€16k€22k▲ 40.6%

Operating result€-23k-€72k€14k▼ 81.3%

Net result€-25k-€60k€6k▼ 89.3%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 81% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €320k

48.5%

51.5%

Fixed assets €155k▲ 568%

Current assets €165k▼ 10.3%

Equity and liabilities €320k

93.1%

Equity €22k▲ 40.6%

Debt €298k▲ 55.8%

The debt ratio rises from 92.4% to 93.1%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€24k▼

2024 · €79k

Cash flow

€17k▼

2024 · €66k

Solvency

6.9%▼

2024 · 7.6%

Current ratio

0.63▼

2024 · 1.16

Quick ratio

0.43▼

2024 · 1.14

Debt / equity

13.45▲

2024 · 12.13

ROE

28.9%▼

2024 · 377.7%

ROA

2.0%▼

2024 · 28.8%

Interest coverage

5.42▼

2024 · 20.63

Debt

€298k▲

2024 · €191k

Debt ≤ 1 year

€263k▲

2024 · €159k

Debt > 1 year

€29k▼

2024 · €32k

Income taxes

€3k▼

2024 · €9k

Staff costs

€64k

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€207k€320k▲

Fixed assets21/28€23k€155k▲

Tangible fixed assets22/27€20k€155k▲

Plant, machinery and equipment23-€10k

Furniture and vehicles24€2k€133k▲

Leasing and similar rights25€18k€12k▼

Financial fixed assets28€3k€250▼

Current assets29/58€184k€165k▼

Stocks and contracts in progress3€3k€50k▲

Stocks30/36€3k€50k▲

Amounts receivable within one year40/41€178k€111k▼

Trade receivables40€158k€80k▼

Other amounts receivable41€20k€32k▲

Cash at bank and in hand54/58€2k€340▼

Deferred charges and accrued income490/1€1k€3k▲

Equity and liabilities

Total equity and liabilities10/49€207k€320k▲

Equity10/15€16k€22k▲

Contributions10/11€3k€3k=

Reserves13€13k€13k=

Distributable reserves133€13k€13k=

Profit (loss) carried forward14-€6k

Amounts payable17/49€191k€298k▲

Amounts payable after more than one year17€32k€29k▼

Financial debts170/4€32k€29k▼

Amounts payable within one year42/48€159k€263k▲

Current portion of amounts payable after more than one year42€18k€15k▼

Trade debts44€7k€219k▲

Suppliers440/4€7k€219k▲

Advances received on contracts in progress46€103k€0▼

Taxes, remuneration and social security45€10k€16k▲

Taxes450/3€10k€13k▲

Remuneration and social security454/9-€3k

Other amounts payable47/48€21k€14k▼

Accrued charges and deferred income492/3€865€5k▲

Income statement Code20242025

Remuneration, social security and pensions62-€64k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€11k▲

Other operating charges640/8€220€4k▲

Non-recurring operating charges66A€100€0▼

Gross operating margin9900€79k€93k▲

Operating profit (loss)9901€72k€14k▼

Financial income75/76B€18€81▲

Recurring financial income75€18€81▲

Financial charges65/66B€4k€4k▲

Recurring financial charges65€4k€4k▲

Profit (loss) for the period before taxes9903€69k€9k▼

Income taxes67/77€9k€3k▼

Profit (loss) for the period9904€60k€6k▼

Profit (loss) for the period to be appropriated9905€60k€6k▼

Appropriation of the result

Profit (loss) to be appropriated9906€35k€6k▼

Profit (loss) brought forward from the previous period14P€-25k€0▲

Transfer to equity691/2€13k€0▼

To other reserves6921€13k€0▼

Profit to be distributed694/7€21k€0▼

Return on contributions (dividend)694€21k€0▼

The notes to these accounts (11 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

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

03-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €60k

Net result €60k after one loss-making year.

09-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 9 days late

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, Sprimont · 1 establishment unit since 2023

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.

Grand Route(RVX) 14140 Sprimont

Ground area

450 m²

Building footprint

162 m²

Volume, LiDAR

1,185 m³

Parcel 62091E1198/00K002, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Step-Reno

Grand Route(RVX) 1, 4140 SprimontGeneral construction of buildings

since 20232.341.506.952

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62091E1198/00K002	Wallonia	450 m²	1 · 162 m²	8.9 m · 2 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

Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 11,657 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-02-2023

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

42990Civil engineering

43110Demolition

43211General electrical installation work

43221Plumbing work

43230Insulation installation

43291Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.