Turnover
The micro format states no turnover.
The micro format states no turnover.
Of this, €154,994 falls due within a year.
Higher gross margin than 85% of companies in personal services. Sector median €26,934 · 5,753 companies.
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 33% of them on solvency, 72% on liquidity and 39% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 2,135 companies had the same profile as AnnaBiz has now. Each dot stands for 6 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AnnaBiz itself: 1.3% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,135 companies, not a prediction for AnnaBiz. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.24, below the usual 1.5. Short-term debt is 42.8% and cash 30.3% of total assets. 95.1% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| AnnaBiz Anzegem | €361,849 | €150,250 | 4.9% | - |
| Van Herp Camille Kortrijk | €358,057 | €167,115 | 9.2% | - |
| Skelte Antwerp | €305,038 | €151,508 | 7.3% | - |
| HENRI TAELMAN Kortrijk | €276,357 | €213,392 | 40.0% | - |
| HAIREXTENSIONS DELUXEE Maasmechelen | €288,015 | €113,531 | 20.0% | - |
| HARVES Meise | €434,768 | €224,035 | 18.2% | - |
| CHALLENG'HAIR Aubel | €287,424 | €236,725 | 9.0% | - |
These companies have the same main activity as AnnaBiz: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €276,000 and €435,000, founded between 2023 and 2024.
AnnaBiz has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17,810 and a net result of €12,810.
Its solvency ranks better than 33% of 5,753 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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