A & A
ActiveA & A has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2k and a net result of €9k. Equity is shrinking by ~36.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 35% of 6161 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency30▲+30
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.2 against 0.92 in 2023; short-term debt: 59.7% and cash: 27.6% of total assets), and 94.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
5.5%
Return on assets
25%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-11-2025, 105 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
105 d late
2023
50 d early
2022
38 d late
2021
72 d late
2020
108 d late
2019
117 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€2k
2023 · €-7k
2018: €24k
2019: €15k
2020: €7k
2021: €-26k
2022: €-20k
2023: €-7k
2018 → 2024
Total assets
€37k▲ 42.3%
2023 · €26k
2018: €42k
2019: €99k
2020: €58k
2021: €28k
2022: €20k
2023: €26k
2018 → 2024
Net result
€9k▼ 28.9%
2023 · €13k
2018: €3k
2019: €-8k
2020: €-9k
2021: €-33k
2022: €6k
2023: €13k
2018 → 2024
Working capital
€4k
2023 · €-1k
2018: €17k
2019: €-2k
2020: €10k
2021: €-8k
2022: €-8k
2023: €-1k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€7k-€-26k€-20k▲ 22.1%€-7k▲ 64.3%€2k
Operating result€-5k-€-30k▼ 458%€6k€16k▲ 176%€9k▼ 41.5%
Net result€-9k-€-33k▼ 276%€6k€13k▲ 127%€9k▼ 28.9%
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 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €37k
Fixed assets
€10k=
Current assets
€26k▲ 71.1%
Equity and liabilities €37k
Equity
€2k
Debt
€35k
Debt finances 94.5% of the balance-sheet total.
Key figures and ratios
Solvency
5.5%▲
2023 · -27.7%
Current ratio
1.20▲
2023 · 0.92
Quick ratio
1.07▲
2023 · 0.75
Debt / equity
17.25▲
2023 · -4.61
ROE
455.9%
ROA
25.0%▼
2023 · 50.0%
Debt
€35k▲
2023 · €33k
Debt ≤ 1 year
€22k▲
2023 · €17k
Debt > 1 year
€13k▼
2023 · €16k
Income taxes
€87▼
2023 · €235
Staff costs
€3k▼
2023 · €10k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€26k€37k▲
Fixed assets21/28€10k€10k=
Financial fixed assets28€10k€10k=
Current assets29/58€15k€26k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€3k€11k▲
Trade receivables40€3k€11k▲
Cash at bank and in hand54/58€7k€10k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€26k€37k▲
Equity10/15€-7k€2k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-28k€-18k▲
Amounts payable17/49€33k€35k▲
Amounts payable after more than one year17€16k€13k▼
Financial debts170/4€16k€13k▼
Amounts payable within one year42/48€17k€22k▲
Current portion of amounts payable after more than one year42€3k€3k▼
Trade debts44€1k€724▼
Suppliers440/4€1k€724▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€8k€8k▼
Remuneration and social security454/9€972-
Other amounts payable47/48€4k€11k▲
Income statement
Code20232024
Remuneration, social security and pensions62€10k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€28k€14k▼
Operating profit (loss)9901€16k€9k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€11▼
Recurring financial charges65€3k€11▼
Profit (loss) for the period before taxes9903€13k€9k▼
Income taxes67/77€235€87▼
Profit (loss) for the period9904€13k€9k▼
Profit (loss) for the period to be appropriated9905€13k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-18k▲
Profit (loss) brought forward from the previous period14P€-40k€-28k▲
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
2025
13-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 105 days late
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €13k ▲127%
Operating result €16k, net result €13k, both a record.
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 38 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Bornem · 2 establishment units since 2016
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.
Kapelstraat(BOR) 362880 BornemGround area
368 m²
Building footprint
230 m²
Volume, LiDAR
2,151 m³
2 parcels, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
A&A
since 20162.252.704.541
Kerkuk
since 20202.300.497.332
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007B0448/02V000 | Flanders | 267 m² | 1 · 120 m² | 10.8 m · 3 fl. |
| 12007B0582/00F000 | Flanders | 101 m² | 1 · 110 m² | 10.3 m · 3 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.
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Of 21,751 companies in sector 96210 we hold annual accounts for 2,832. 1,438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2015
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.