BAN
ActiveSummary
BAN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-37k) and a net result of €-10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 1059 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.27 against 0.18 in 2024; short-term debt: 322% and cash: 66.5% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Three 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 2025Solvency, return and age of the figures
Solvency
-222%
Return on assets
-63.2%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-37k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
6 d early
2023
14 d early
2022
33 d early
2021
3 d early
2020
18 d late
2019
110 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-37k▼ 39.8%
2024 · €-26k
2018: €-6k
2019: €-8k▼ -33.6% vs 2018
2020: €5k▲ +163% vs 2019
2021: €6k▲ +12.0% vs 2020highest in 8 years
2022: €-4k▼ -172% vs 2021
2023: €-1k▲ +71.9% vs 2022
2024: €-26k▼ -2206% vs 2023
2025: €-37k▼ -39.8% vs 2024lowest in 8 years
2018 → 2025
Total assets
€17k▲ 59.2%
2024 · €10k
2018: €18k
2019: €14k▼ -19.6% vs 2018
2020: €19k▲ +29.7% vs 2019
2021: €23k▲ +24.3% vs 2020highest in 8 years
2022: €12k▼ -46.8% vs 2021
2023: €19k▲ +52.2% vs 2022
2024: €10k▼ -44.9% vs 2023lowest in 8 years
2025: €17k▲ +59.2% vs 2024
2018 → 2025
Net result
€-10k▲ 58.4%
2024 · €-25k
2018: €5k
2019: €-2k▼ -138% vs 2018
2020: €13k▲ +749% vs 2019highest in 8 years
2021: €609▼ -95.4% vs 2020
2022: €-10k▼ -1703% vs 2021
2023: €3k▲ +130% vs 2022
2024: €-25k▼ -961% vs 2023lowest in 8 years
2025: €-10k▲ +58.4% vs 2024
2018 → 2025
Working capital
€-39k▼ 29.9%
2024 · €-30k
2018: €-7k
2019: €-8k▼ -8.9% vs 2018
2020: €5k▲ +163% vs 2019
2021: €5k▲ +1.2% vs 2020highest in 8 years
2022: €-6k▼ -224% vs 2021
2023: €-7k▼ -4.4% vs 2022
2024: €-30k▼ -355% vs 2023
2025: €-39k▼ -29.9% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€-4k€-1k▲ 71.9%€-26k▼ 2,206%€-37k▼ 39.8%
2021: €6khighest in 5 years
2022: €-4k▼ -172% vs 2021
2023: €-1k▲ +71.9% vs 2022
2024: €-26k▼ -2206% vs 2023
2025: €-37k▼ -39.8% vs 2024lowest in 5 years
Operating result€2k-€-7k€6k€-25k€-6k▲ 76.6%
2021: €2k
2022: €-7k▼ -495% vs 2021
2023: €6k▲ +188% vs 2022highest in 5 years
2024: €-25k▼ -526% vs 2023lowest in 5 years
2025: €-6k▲ +76.6% vs 2024
Net result€609-€-10k€3k€-25k€-10k▲ 58.4%
2021: €609
2022: €-10k▼ -1703% vs 2021
2023: €3k▲ +130% vs 2022highest in 5 years
2024: €-25k▼ -961% vs 2023lowest in 5 years
2025: €-10k▲ +58.4% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €25k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€2k ▼ 38.4%
Current assets
€14k ▲ 115%
Key figures and ratios
EBITDA
€-4k▲
2024 · €-23k
Cash flow
€-9k▲
2024 · €-24k
Solvency
-222.0%▲
2024 · -252.9%
Current ratio
0.27▲
2024 · 0.18
Quick ratio
0.24▲
2024 · 0.14
Debt to equity
-1.45▼
2024 · -1.40
ROA
-63.2%▲
2024 · -241.9%
Interest coverage
-13.51▲
2024 · -80.59
Debt
€53k▲
2024 · €37k
Debt ≤ 1 year
€53k▲
2024 · €37k
Income taxes
€4k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10k€17k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€203€88▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€7k€14k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41-€2k
Other amounts receivable41-€2k
Cash at bank and in hand54/58€5k€11k▲
Equity and liabilities
Total equity and liabilities10/49€10k€17k▲
Equity10/15€-26k€-37k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-33k€-43k▼
Amounts payable17/49€37k€53k▲
Amounts payable within one year42/48€37k€53k▲
Trade debts44€9k€14k▲
Suppliers440/4€9k€14k▲
Taxes, remuneration and social security45€28k€14k▼
Taxes450/3€25k€13k▼
Remuneration and social security454/9€3k€1k▼
Other amounts payable47/48€404€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€787€801▲
Gross operating margin9900€-22k€-4k▲
Operating profit (loss)9901€-25k€-6k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€288€324▲
Recurring financial charges65€288€324▲
Profit (loss) for the period before taxes9903€-25k€-6k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-25k€-10k▲
Profit (loss) for the period to be appropriated9905€-25k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-43k▼
Profit (loss) brought forward from the previous period14P€-7k€-33k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28 | €334 | €1k | €2k | €1k | ▼ 13.0% |
| Other operating charges640/8 | €692 | €3k | €2k | €787 | €801 | ▲ 1.8% |
| Gross operating margin9900 | €2k | €-3k | €9k | €-22k | €-4k | ▲ 84.1% |
| Operating profit (loss)9901 | €2k | €-7k | €6k | €-25k | €-6k | ▲ 76.6% |
| Financial income75/76B | - | - | - | - | €2 | - |
| Recurring financial income75 | - | - | - | - | €2 | - |
| Financial charges65/66B | €318 | €84 | €482 | €288 | €324 | ▲ 12.5% |
| Recurring financial charges65 | €318 | €84 | €482 | €288 | €324 | ▲ 12.5% |
| Profit (loss) for the period before taxes9903 | €1k | €-7k | €5k | €-25k | €-6k | ▲ 75.6% |
| Income taxes67/77 | €750 | €3k | €2k | - | €4k | - |
| Profit (loss) for the period9904 | €609 | €-10k | €3k | €-25k | €-10k | ▲ 58.4% |
| Profit (loss) for the period to be appropriated9905 | €609 | €-10k | €3k | €-25k | €-10k | ▲ 58.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €23k | €12k | €19k | €10k | €17k | ▲ 59.2% |
| Fixed assets21/28 | €550 | €2k | €5k | €4k | €2k | ▼ 38.4% |
| Tangible fixed assets22/27 | €550 | €2k | €5k | €4k | €2k | ▼ 38.4% |
| Plant, machinery and equipment23 | €550 | €434 | €319 | €203 | €88 | ▼ 56.9% |
| Furniture and vehicles24 | - | €2k | €5k | €4k | €2k | ▼ 37.3% |
| Current assets29/58 | €23k | €10k | €13k | €7k | €14k | ▲ 115% |
| Stocks and contracts in progress3 | €2k | €2k | €2k | €2k | €2k | = |
| Stocks30/36 | €2k | €2k | €2k | €2k | €2k | = |
| Amounts receivable within one year40/41 | €1k | €4k | €3k | - | €2k | - |
| Trade receivables40 | €1k | - | €3k | - | - | - |
| Other amounts receivable41 | - | €4k | - | - | €2k | - |
| Cash at bank and in hand54/58 | €18k | €4k | €7k | €5k | €11k | ▲ 121% |
| Deferred charges and accrued income490/1 | €1k | - | €1k | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €23k | €12k | €19k | €10k | €17k | ▲ 59.2% |
| Equity10/15 | €6k | €-4k | €-1k | €-26k | €-37k | ▼ 39.8% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €-518 | €-10k | €-7k | €-33k | €-43k | ▼ 32.2% |
| Amounts payable17/49 | €18k | €16k | €20k | €37k | €53k | ▲ 45.3% |
| Amounts payable within one year42/48 | €18k | €16k | €20k | €37k | €53k | ▲ 45.3% |
| Trade debts44 | €3k | €2k | - | €9k | €14k | ▲ 61.3% |
| Suppliers440/4 | €3k | €2k | - | €9k | €14k | ▲ 61.3% |
| Taxes, remuneration and social security45 | €8k | €5k | €20k | €28k | €14k | ▼ 48.0% |
| Taxes450/3 | €8k | €5k | €15k | €25k | €13k | ▼ 47.4% |
| Remuneration and social security454/9 | - | - | €5k | €3k | €1k | ▼ 53.7% |
| Other amounts payable47/48 | €7k | €10k | €74 | €404 | €25k | ▲ 6,141% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €609 | €-10k | €3k | €-25k | €-10k | ▲ 58.4% |
| + Depreciation and write-downs630 | €28 | €334 | €1k | €2k | €1k | ▼ 13.0% |
| Operating cash flow (approximation) | €636 | €-9k | €4k | €-24k | €-9k | ▲ 61.7% |
| Investment in fixed assets (approximation) | - | €-2k | €-4k | €0 | €0 | ▼ 100% |
| Change in cash | - | €-13k | €2k | €-2k | €6k | ▲ 435% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 18 days late
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.37
Current ratio from 0.64 to 1.37; short-term debt falls from €22k to €14k.
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 110 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2015
Ground area
175 m²
Building footprint
81 m²
Volume, LiDAR
493 m³
Parcel 11003A0173/00N008, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAN
since 20152.242.645.443
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0173/00N008 | Flanders | 175 m² | 1 · 81 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,855 companies in sector 96220 we hold annual accounts for 1,439. 947 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded12-05-2015
Fiscal year end31-12
Activities, NACEBEL 2025
96220Beauty care and other beauty treatments
Scores and ratios are computed by Checked and are not a credit decision.