W.M.RENOV
ActiveSummary
W.M.RENOV has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €108k and a net result of €9k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+12
Solvency100▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.97 against 2.55 in 2024; short-term debt: 17.3% and cash: 26.6% of total assets), and 17.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
82.7%
Return on assets
6.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 8 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
24 d late
2022
28 d late
2021
26 d late
2020
27 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€108k▲ 9.0%
2024 · €99k
2018: €26k
2019: €26k
2020: €28k
2021: €80k
2022: €99k
2023: €103k
2024: €99k
2018 → 2025
Total assets
€131k▼ 3.2%
2024 · €135k
2018: €47k
2019: €70k
2020: €79k
2021: €134k
2022: €169k
2023: €167k
2024: €135k
2018 → 2025
Net result
€9k
2024 · €-4k
2018: €20k
2019: €37
2020: €2k
2021: €38k
2022: €19k
2023: €5k
2024: €-4k
2018 → 2025
Working capital
€67k▲ 31.7%
2024 · €51k
2018: €16k
2019: €8k
2020: €30k
2021: €50k
2022: €47k
2023: €67k
2024: €51k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€99k▲ 23.4%€103k▲ 4.9%€99k▼ 3.9%€108k▲ 9.0%
Operating result€53k-€28k▼ 47.8%€10k▼ 65.3%€-3k€14k
Net result€38k-€19k▼ 51.2%€5k▼ 74.1%€-4k€9k
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: €14k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€41k ▼ 20.0%
Current assets
€90k ▲ 7.0%
Equity and liabilities €131k
Equity
€108k ▲ 9.0%
Debt
€23k ▼ 36.9%
Debt's share of the balance-sheet total falls from 26.5% to 17.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▲
2024 · €13k
Cash flow
€23k▲
2024 · €12k
Current ratio
3.97▲
2024 · 2.55
Quick ratio
3.87▲
2024 · 2.38
Debt to equity
0.21▼
2024 · 0.36
ROE
8.2%▲
2024 · -4.1%
ROA
6.8%▲
2024 · -3.0%
Interest coverage
75.46▲
2024 · 16.89
Debt ≤ 1 year
€23k▼
2024 · €33k
Debt > 1 year
€0▼
2024 · €3k
Income taxes
€5k▲
2024 · €259
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€135k€131k▼
Fixed assets21/28€51k€41k▼
Tangible fixed assets22/27€51k€41k▼
Land and buildings22€34k€33k▼
Plant, machinery and equipment23-€4k
Furniture and vehicles24€18k€4k▼
Current assets29/58€84k€90k▲
Amounts receivable after more than one year29€416-
Other amounts receivable291€416-
Stocks and contracts in progress3€6k€2k▼
Stocks30/36€6k€2k▼
Amounts receivable within one year40/41€32k€43k▲
Trade receivables40€18k€27k▲
Other amounts receivable41€14k€16k▲
Cash at bank and in hand54/58€22k€35k▲
Deferred charges and accrued income490/1€24k€10k▼
Equity and liabilities
Total equity and liabilities10/49€135k€131k▼
Equity10/15€99k€108k▲
Contributions10/11€6k€6k=
Reserves13€97k€102k▲
Distributable reserves133€97k€102k▲
Profit (loss) carried forward14€-4k€0▲
Amounts payable17/49€36k€23k▼
Amounts payable after more than one year17€3k€0▼
Financial debts170/4€3k€0▼
Amounts payable within one year42/48€33k€23k▼
Current portion of amounts payable after more than one year42€14k€3k▼
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€6k€6k=
Remuneration and social security454/9€6k€6k=
Other amounts payable47/48€8k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€14k€32k▲
Operating profit (loss)9901€-3k€14k▲
Financial income75/76B€0€11▲
Recurring financial income75€0€11▲
Non-recurring financial income76B€0€11▲
Financial charges65/66B€1k€384▼
Recurring financial charges65€776€383▼
Non-recurring financial charges66B€405€1▼
Profit (loss) for the period before taxes9903€-4k€14k▲
Income taxes67/77€259€5k▲
Profit (loss) for the period9904€-4k€9k▲
Profit (loss) for the period to be appropriated9905€-4k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€5k▲
Profit (loss) brought forward from the previous period14P-€-4k
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (10 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Equity above €100kEq €108k ▲9%
Equity rises from €99k to €108k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼184%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Equity above €100kEq €103k ▲4.9%
6 profitable years in a row build equity to €103k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €38k ▲1535%
Operating result €53k, net result €38k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Machelen (Brab.) · 1 establishment unit since 2017
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.
Regimentsberg 141831 Machelen (Brab.)Ground area
565 m²
Building footprint
191 m²
Volume, LiDAR
1,128 m³
2 parcels, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
W.M. Renov
since 20172.273.942.690
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015C0354/00R000 | Flanders | 416 m² | 1 · 143 m² | 8.1 m · 2 fl. |
| 23015C0354/00X000 | Flanders | 148 m² | 1 · 48 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ELI TECH
BE 0799.268.815
Beersel · Eq €108,071
H.M.G.
BE 0747.599.883
Bekkevoort · Eq €108,485
DRJ & Partners
BE 0878.783.079
Sint-Niklaas · Eq €107,756
MERCOST.CONSTRUCT.BE
BE 0541.371.252
Anderlecht · Eq €107,611
IBECA
BE 0541.850.314
Zoersel · Eq €107,384
Of 4,097 companies in sector 43240 we hold annual accounts for 1,632. 1,366 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
43240Other construction installation
43320Joinery installation
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.