Financials
- Fiscal year
- 2025
- Total assets
- €8,336
- Loss
- -€10,182
- Solvency
- 25.8%
Total assets▼ 63.6%
Net result
20192025
USL RENO-CONSTRUCT
ActiveSummary
The annual accounts of USL RENO-CONSTRUCT for fiscal year 2025 show a net loss of 122% of total assets and of 83% of the equity at the start of that year. The 2025 annual accounts show equity of €2,153 and a net result of -€10,182. Equity is shrinking by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 27% of 30651 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Activity
Other specialised construction activities
NACE 43990NACE 43995
1 site
Size
€8,336total assets 2025
- Equity
- €2,153
- Loss
- -€10,182
Structure
Accounts 10 d early0 of 2 deeds read
Why 53Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €10,182, the second in a row (FY 2025)- Sector Specialised construction activities (NACE 43)+ Size: total assets €8,336+ Founded in 2014Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 12% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
51-28
equity 25.8% of total assets
Liquidity
20-8
short-term debt 74.2% · cash 8.0%
Profitability
0-28
return on assets -122.1%
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 13 months
10-2025: 0.7%highest value
11-2025: 0.7%▼ -3.5% vs 10-2025
12-2025: 0.7%▼ -3.2% vs 11-2025lowest value
01-2026: 0.7%▲ +4.7% vs 12-2025
02-2026: 0.7%▲ +0.7% vs 01-2026
03-2026: 0.7%● 0.0% vs 02-2026
04-2026: 0.7%● 0.0% vs 03-2026
05-2026: 0.7%● 0.0% vs 04-2026
06-2026: 0.7%● 0.0% vs 05-2026
07-2026: 0.7%▼ -1.0% vs 06-2026
08-2026: 0.7%● 0.0% vs 07-2026
09-2026: 0.7%● 0.0% vs 08-2026
10-2026: 0.7%▲ +1.8% vs 09-2026
- Size: total assets €8,336 lowers the probability for this profile
- Loss of €10,182, the second in a row (FY 2025) raises the probability
- Sector Specialised construction activities (NACE 43) raises the probability
- Founded in 2014 lowers the probability for this profile
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.35 against 2.17 in 2024; short-term debt: 74.2% and cash: 8% of total assets), and 74.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 27%, liquidity 11%, profitability 4%, growth against the median 5%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€10,182
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
46 d early
2023
12 d early
2022
11 d early
2021
3 d early
2020
4 d early
2019
16 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 20 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close02-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€10,182
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 11
- Since
- 2017
- Next accounts
- by 31-01-2027
- 21-01-2026Annual accounts filed
- 30-06-2025Weakest financial year
- 16-12-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 15-05-2014
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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