BAR'COIFF
ActiveSummary
The computed 12-month bankruptcy probability of BAR'COIFF is 6.3% (elevated). The 2025 annual accounts show equity of €38k and a net result of €11k. Equity is growing by ~50.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 13417 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability75▼-15
Solvency42▼-2
Growth78=
Track record94
Bankruptcy probability, 12 months
6.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.13 against 1.03 in 2024; short-term debt: 64.3% and cash: 34.8% of total assets), and 83.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
16.6%
Return on assets
4.8%
Age of the figures
9 mo
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 18-07-2026, 13 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
13 d early
2024
37 d early
2023
27 d late
2022
30 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, micro schema
Equity
€38k▲ 41.1%
2024 · €27k
2022: €12k
2023: €3k▼ -75.9% vs 2022lowest in 4 years
2024: €27k▲ +868% vs 2023
2025: €38k▲ +41.1% vs 2024highest in 4 years
2022 → 2025
Total assets
€229k▲ 61.8%
2024 · €142k
2022: €81k
2023: €76k▼ -5.6% vs 2022lowest in 4 years
2024: €142k▲ +86.5% vs 2023
2025: €229k▲ +61.8% vs 2024highest in 4 years
2022 → 2025
Net result
€11k▼ 54.1%
2024 · €24k
2022: €9k
2023: €-9k▼ -203% vs 2022lowest in 4 years
2024: €24k▲ +376% vs 2023highest in 4 years
2025: €11k▼ -54.1% vs 2024
2022 → 2025
Working capital
€19k▲ 519%
2024 · €3k
2022: €-26klowest in 4 years
2023: €-26k▲ +1.2% vs 2022
2024: €3k▲ +112% vs 2023
2025: €19k▲ +519% vs 2024highest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€3k▼ 75.9%€27k▲ 868%€38k▲ 41.1%
2022: €12k
2023: €3k▼ -75.9% vs 2022lowest in 4 years
2024: €27k▲ +868% vs 2023
2025: €38k▲ +41.1% vs 2024highest in 4 years
Operating result€12k-€-7k€31k€20k▼ 34.3%
2022: €12k
2023: €-7k▼ -159% vs 2022lowest in 4 years
2024: €31k▲ +522% vs 2023highest in 4 years
2025: €20k▼ -34.3% vs 2024
Net result€9k-€-9k€24k€11k▼ 54.1%
2022: €9k
2023: €-9k▼ -203% vs 2022lowest in 4 years
2024: €24k▲ +376% vs 2023highest in 4 years
2025: €11k▼ -54.1% vs 2024
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 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€63k ▲ 24.6%
Current assets
€166k ▲ 82.6%
Equity and liabilities €229k
Equity
€38k ▲ 41.1%
Debt
€191k ▲ 66.6%
Debt's share of the balance-sheet total rises from 81.0% to 83.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▼
2024 · €49k
Cash flow
€36k▼
2024 · €42k
Current ratio
1.13▲
2024 · 1.03
Quick ratio
1.03▲
2024 · 0.94
Debt to equity
5.04▲
2024 · 4.27
ROE
29.2%▼
2024 · 89.7%
ROA
4.8%▼
2024 · 17.0%
Interest coverage
8.41▼
2024 · 220.19
Debt ≤ 1 year
€147k▲
2024 · €88k
Debt > 1 year
€44k▲
2024 · €27k
Income taxes
€4k▼
2024 · €7k
Staff costs
€115k▲
2024 · €26k
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€142k€229k▲
Fixed assets21/28€51k€63k▲
Intangible fixed assets21€3k€996▼
Tangible fixed assets22/27€48k€57k▲
Plant, machinery and equipment23€14k€35k▲
Furniture and vehicles24€34k€22k▼
Financial fixed assets28-€5k
Current assets29/58€91k€166k▲
Stocks and contracts in progress3€9k€14k▲
Stocks30/36€9k€14k▲
Amounts receivable within one year40/41€45k€71k▲
Trade receivables40€45k€56k▲
Other amounts receivable41-€15k
Cash at bank and in hand54/58€36k€80k▲
Deferred charges and accrued income490/1€2k€305▼
Equity and liabilities
Total equity and liabilities10/49€142k€229k▲
Equity10/15€27k€38k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€24k€35k▲
Amounts payable17/49€115k€191k▲
Amounts payable after more than one year17€27k€44k▲
Financial debts170/4€27k€44k▲
Amounts payable within one year42/48€88k€147k▲
Current portion of amounts payable after more than one year42€5k€12k▲
Trade debts44€14k€22k▲
Suppliers440/4€14k€22k▲
Taxes, remuneration and social security45€36k€79k▲
Taxes450/3€25k€39k▲
Remuneration and social security454/9€11k€41k▲
Other amounts payable47/48€33k€34k▲
Income statement
Code20242025
Remuneration, social security and pensions62€26k€115k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€25k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€79k€165k▲
Operating profit (loss)9901€31k€20k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€223€5k▲
Recurring financial charges65€223€5k▲
Profit (loss) for the period before taxes9903€31k€15k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€24k€11k▼
Profit (loss) for the period to be appropriated9905€24k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€35k▲
Profit (loss) brought forward from the previous period14P€-220€24k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €21k | €30k | €26k | €115k | ▲ 348% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22k | €13k | €18k | €25k | ▲ 37.1% |
| Other operating charges640/8 | €3k | €2k | €4k | €5k | ▲ 23.1% |
| Gross operating margin9900 | €58k | €38k | €79k | €165k | ▲ 110% |
| Operating profit (loss)9901 | €12k | €-7k | €31k | €20k | ▼ 34.3% |
| Financial income75/76B | - | - | €2 | - | - |
| Recurring financial income75 | - | - | €2 | - | - |
| Financial charges65/66B | €995 | €1k | €223 | €5k | ▲ 2,307% |
| Recurring financial charges65 | €995 | €1k | €223 | €5k | ▲ 2,307% |
| Profit (loss) for the period before taxes9903 | €11k | €-9k | €31k | €15k | ▼ 51.2% |
| Income taxes67/77 | €3k | €123 | €7k | €4k | ▼ 40.7% |
| Profit (loss) for the period9904 | €9k | €-9k | €24k | €11k | ▼ 54.1% |
| Profit (loss) for the period to be appropriated9905 | €9k | €-9k | €24k | €11k | ▼ 54.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €81k | €76k | €142k | €229k | ▲ 61.8% |
| Fixed assets21/28 | €41k | €28k | €51k | €63k | ▲ 24.6% |
| Intangible fixed assets21 | €7k | €5k | €3k | €996 | ▼ 66.8% |
| Tangible fixed assets22/27 | €34k | €23k | €48k | €57k | ▲ 19.3% |
| Plant, machinery and equipment23 | €23k | €16k | €14k | €35k | ▲ 155% |
| Furniture and vehicles24 | €11k | €7k | €34k | €22k | ▼ 34.7% |
| Financial fixed assets28 | - | - | - | €5k | - |
| Current assets29/58 | €39k | €48k | €91k | €166k | ▲ 82.6% |
| Stocks and contracts in progress3 | €9k | €11k | €9k | €14k | ▲ 65.0% |
| Stocks30/36 | €9k | €11k | €9k | €14k | ▲ 65.0% |
| Amounts receivable within one year40/41 | €24k | €28k | €45k | €71k | ▲ 59.1% |
| Trade receivables40 | €24k | €28k | €45k | €56k | ▲ 25.7% |
| Other amounts receivable41 | - | - | - | €15k | - |
| Cash at bank and in hand54/58 | €7k | €8k | €36k | €80k | ▲ 124% |
| Deferred charges and accrued income490/1 | €87 | €846 | €2k | €305 | ▼ 81.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €81k | €76k | €142k | €229k | ▲ 61.8% |
| Equity10/15 | €12k | €3k | €27k | €38k | ▲ 41.1% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €9k | €-220 | €24k | €35k | ▲ 46.3% |
| Amounts payable17/49 | €69k | €73k | €115k | €191k | ▲ 66.6% |
| Amounts payable after more than one year17 | €4k | - | €27k | €44k | ▲ 63.1% |
| Financial debts170/4 | €4k | - | €27k | €44k | ▲ 63.1% |
| Amounts payable within one year42/48 | €65k | €73k | €88k | €147k | ▲ 67.7% |
| Current portion of amounts payable after more than one year42 | €6k | €4k | €5k | €12k | ▲ 129% |
| Trade debts44 | €5k | €17k | €14k | €22k | ▲ 65.3% |
| Suppliers440/4 | €5k | €17k | €14k | €22k | ▲ 65.3% |
| Taxes, remuneration and social security45 | €15k | €28k | €36k | €79k | ▲ 120% |
| Taxes450/3 | €10k | €19k | €25k | €39k | ▲ 54.8% |
| Remuneration and social security454/9 | €5k | €9k | €11k | €41k | ▲ 269% |
| Other amounts payable47/48 | €40k | €25k | €33k | €34k | ▲ 2.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €-9k | €24k | €11k | ▼ 54.1% |
| + Depreciation and write-downs630 | €22k | €13k | €18k | €25k | ▲ 37.1% |
| Operating cash flow (approximation) | €30k | €4k | €42k | €36k | ▼ 15.1% |
| Investment in fixed assets (approximation) | - | €0 | €-41k | €-37k | ▲ 8.0% |
| Change in cash | - | €1k | €28k | €44k | ▲ 58.4% |
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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Leuze-en-Hainaut · 3 establishment units since 2021
Ground area
1,982 m²
Building footprint
392 m²
Volume, LiDAR
3,308 m³
3 parcels, Wallonia · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
BAR'COIFF
since 20212.320.119.838
BAR'COIFF
since 20212.320.120.234
4 Saveurs
since 20252.375.886.722
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57015B0602/00G000 | Wallonia | 1,734 m² | 1 · 191 m² | 10.8 m · 2 fl. |
| 57048D0595/00B000 | Wallonia | 170 m² | 1 · 168 m² | 13.1 m · 3 fl. |
| 57048D0596/00A000 | Wallonia | 78 m² | 1 · 33 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePéruwelz2.375.886.722
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Of 14,009 companies in sector 56301 we hold annual accounts for 4,892. 4,101 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
Founded29-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
96210Hairdressing and barber services
Contact
E-mail
barcoiff@outlook.be
Phone
+32479709875
Scores and ratios are computed by Checked and are not a credit decision.