BELDERMA
ActiveThe computed 12-month bankruptcy probability of BELDERMA is 2.6% (moderate). The 2025 annual accounts show equity of €21k and a net result of €760. Equity is growing by ~26.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 4596 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-7
Solvency74▲+10
Growth78=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.95 against 0.87 in 2024; short-term debt: 24% and cash: 10% of total assets), and 51.1% of the assets are financed with debt.
Credit advice 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 · 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
48.9%
Return on assets
1.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 4 filingsDeviation from the deadline
2025
20 d late
2024
57 d late
2023
62 d late
2022
32 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 3.7%
2024 · €20k
2022: €3k
2023: €17k
2024: €20k
2022 → 2025
Total assets
€43k▼ 18.3%
2024 · €53k
2022: €9k
2023: €28k
2024: €53k
2022 → 2025
Net result
€760▼ 80.3%
2024 · €4k
2022: €258
2023: €13k
2024: €4k
2022 → 2025
Working capital
€-497▲ 79.2%
2024 · €-2k
2022: €3k
2023: €-5k
2024: €-2k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€3k-€17k▲ 409%€20k▲ 23.3%€21k▲ 3.7%
Operating result€331-€17k▲ 5,038%€5k▼ 69.0%€1k▼ 76.1%
Net result€258-€13k▲ 5,074%€4k▼ 71.0%€760▼ 80.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€33k▼ 10.5%
Current assets
€10k▼ 36.7%
Equity and liabilities €43k
Equity
€21k▲ 3.7%
Debt
€22k▼ 32.1%
The debt ratio falls from 61.4% to 51.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €8k
Cash flow
€9k▲
2024 · €6k
Solvency
48.9%▲
2024 · 38.6%
Current ratio
0.95▲
2024 · 0.87
Quick ratio
0.84▲
2024 · 0.76
Debt / equity
1.04▼
2024 · 1.59
ROE
3.6%▼
2024 · 18.9%
ROA
1.8%▼
2024 · 7.3%
Interest coverage
6.71▼
2024 · 20.24
Debt
€22k▼
2024 · €33k
Debt ≤ 1 year
€10k▼
2024 · €18k
Debt > 1 year
€12k▼
2024 · €15k
Income taxes
€707▼
2024 · €1k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€53k€43k▼
Fixed assets21/28€37k€33k▼
Tangible fixed assets22/27€36k€32k▼
Furniture and vehicles24€22k€20k▼
Other tangible fixed assets26€14k€13k▼
Financial fixed assets28€1k€1k=
Current assets29/58€16k€10k▼
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40-€75
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€12k€4k▼
Deferred charges and accrued income490/1€287€243▼
Equity and liabilities
Total equity and liabilities10/49€53k€43k▼
Equity10/15€20k€21k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€17k€18k▲
Amounts payable17/49€33k€22k▼
Amounts payable after more than one year17€15k€12k▼
Financial debts170/4€15k€12k▼
Amounts payable within one year42/48€18k€10k▼
Current portion of amounts payable after more than one year42€6k€3k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€8k€3k▼
Other amounts payable47/48€3k€659▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€9k▲
Other operating charges640/8€2k€125▼
Gross operating margin9900€9k€10k▲
Operating profit (loss)9901€5k€1k▼
Financial income75/76B€152€2k▲
Recurring financial income75€152€2k▲
Financial charges65/66B€379€1k▲
Recurring financial charges65€379€1k▲
Profit (loss) for the period before taxes9903€5k€1k▼
Income taxes67/77€1k€707▼
Profit (loss) for the period9904€4k€760▼
Profit (loss) for the period to be appropriated9905€4k€760▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€18k▲
Profit (loss) brought forward from the previous period14P€14k€17k▲
The notes to these accounts (7 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
2023
31-12
Financial
Highest result since 2022net €13k ▲5074%
Operating result €17k, net result €13k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Etterbeek · 1 establishment unit since 2023
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.
Linthoutstraat 1221040 EtterbeekGround area
482 m²
Building footprint
186 m²
Volume, LiDAR
1,992 m³
2 parcels, Brussels, Flanders · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BELDERMA
since 20232.340.409.565
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23643G0514/00Y002 | Flanders | 255 m² | 1 · 78 m² | 12.4 m · 3 fl. |
| 21005A0497/00M006 | Brussels | 227 m² | 1 · 108 m² | 15.6 m · 4 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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VICTORY BEAUTY
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NOMAD BEAUTY
BE 0747.727.171
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SARLAU
BE 0884.358.106
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ITERNITY SERVICES
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Of 24,862 companies in sector 96220 we hold annual accounts for 1,441. 1,178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2022
Fiscal year end31-12
Activities, NACEBEL
96022Beauty treatment
96220Beauty care and other beauty treatments
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.