A & B Coiffure
ActiveSummary
A & B Coiffure has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €2k. Equity is shrinking by ~20.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 46% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+73
Solvency47▲+7
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.75 against 0.5 in 2024; short-term debt: 75.8% and cash: 32% of total assets), and 78.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-08-2026, 15 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 · 9 filingsDeviation from the deadline
2025
15 d late
2024
14 d late
2023
28 d late
2022
31 d late
2021
61 d late
2020
61 d late
2019
141 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
Turnover
€215k
EBIT margin
10.3%
Net result
€2k
2024 · €-40k
2018: €18k
2019: €2k
2020: €-33k
2021: €186
2022: €157
2023: €-16k
2024: €-40k
2018 → 2025
Working capital
€-8k▲ 60.3%
2024 · €-20k
2018: €7k
2019: €3k
2020: €-15k
2021: €3k
2022: €10k
2023: €5k
2024: €-20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€64k▲ 0.2%€48k▼ 24.9%€8k▼ 83.8%€9k▲ 19.5%
Operating result€2k-€5k▲ 104%€-14k€-39k▼ 184%€3k
Net result€186-€157▼ 15.2%€-16k€-40k▼ 153%€2k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €39k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€18k ▼ 44.4%
Current assets
€24k ▲ 21.2%
Equity and liabilities €43k
Equity
€9k ▲ 19.5%
Debt
€33k ▼ 26.5%
Debt's share of the balance-sheet total falls from 85.3% to 78.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €-24k
Cash flow
€16k▲
2024 · €-25k
Current ratio
0.75▲
2024 · 0.50
Quick ratio
0.64▲
2024 · 0.37
Debt to equity
3.57▼
2024 · 5.80
ROE
16.3%▲
2024 · -516.0%
ROA
3.6%▲
2024 · -75.8%
Interest coverage
9.35▲
2024 · -15.45
Debt ≤ 1 year
€32k▼
2024 · €40k
Debt > 1 year
€0▼
2024 · €4k
Staff costs
€86k▼
2024 · €104k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€53k€43k▼
Fixed assets21/28€33k€18k▼
Tangible fixed assets22/27€23k€8k▼
Other tangible fixed assets26€23k€8k▼
Financial fixed assets28€10k€10k=
Current assets29/58€20k€24k▲
Stocks and contracts in progress3€5k€3k▼
Stocks30/36€5k€3k▼
Amounts receivable within one year40/41€925-
Trade receivables40€925-
Cash at bank and in hand54/58€10k€14k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€53k€43k▼
Equity10/15€8k€9k▲
Contributions10/11€50k€50k=
Reserves13€18k€18k=
Tax-exempt reserves132€15k€15k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-61k€-59k▲
Amounts payable17/49€45k€33k▼
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€40k€32k▼
Current portion of amounts payable after more than one year42€5k€4k▼
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€25k€26k▲
Taxes450/3€9k€9k▲
Remuneration and social security454/9€16k€16k▲
Other amounts payable47/48€817€745▼
Accrued charges and deferred income492/3€985€985=
Income statement
Code20242025
Remuneration, social security and pensions62€104k€86k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€705€0▼
Gross operating margin9900€81k€104k▲
Operating profit (loss)9901€-39k€3k▲
Financial income75/76B€4-
Recurring financial income75€4-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-40k€2k▲
Profit (loss) for the period9904€-40k€2k▲
Profit (loss) for the period to be appropriated9905€-40k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-61k€-59k▲
Profit (loss) brought forward from the previous period14P€-21k€-61k▼
The notes to these accounts (6 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
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €186
Net result €186 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 141 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Elsene · 1 establishment unit 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.
Louizalaan 941050 ElseneGround area
814 m²
Building footprint
708 m²
Volume, LiDAR
20,826 m³
Parcel 21807G0023/00P000, Brussels · tallest building 33.5 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
A & B Coiffure
since 20162.253.484.204
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0023/00P000 | Brussels | 814 m² | 1 · 708 m² | 33.5 m · 10 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.
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Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 2,253 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
Founded06-05-2016
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.