Turnover
≈ €21,000 estimated
The micro format states no turnover.
BELMEL
Lifetime
6 annual accounts with figures on one time axispeak €39,536 (2019)
€4,480▼ 43.5%
lowest -€10,768 (2020)
€1,298▼ 59.7%
peak €14,713 (2019)
€8,144▲ 18.9%
€3,946▼ 60.9%
peak 1 FTE (2019)
-not published
Board1 name since 2019
1 directorSERPOLLET Mélanie
Documentsfilings and deeds
14-11-2025106 days late
2024micro format
Gross margin from €7,931 to €4,480Result from €3,224 to €1,298Equity from €6,847 to €8,144Debts from €10,085 to €3,946
Key points
from the 2024 annual accountsChecked score
54
Fair
Financially stronger than 68% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 6.8%highest value
01-2025: 2.0%▼ -4.8 percentage points vs 12-2024
02-2025: 2.0%● unchanged vs 01-2025
03-2025: 2.1%▲ +0.1 percentage points vs 02-2025
04-2025: 2.2%▲ +0.1 percentage points vs 03-2025
05-2025: 2.2%● unchanged vs 04-2025
06-2025: 1.8%▼ -0.4 percentage points vs 05-2025
07-2025: 1.8%● unchanged vs 06-2025
08-2025: 2.6%▲ +0.8 percentage points vs 07-2025
09-2025: 2.9%▲ +0.3 percentage points vs 08-2025
10-2025: 4.6%▲ +1.7 percentage points vs 09-2025
11-2025: 4.7%▲ +0.1 percentage points vs 10-2025
12-2025: 0.8%▼ -3.9 percentage points vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025lowest value
02-2026: 0.8%● unchanged vs 01-2026lowest value
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.9%▲ +0.1 percentage points vs 03-2026
05-2026: 0.8%▼ -0.1 percentage points vs 04-2026
06-2026: 0.9%▲ +0.1 percentage points vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 1.3%▲ +0.4 percentage points vs 07-2026
09-2026: 1.5%▲ +0.2 percentage points vs 08-2026
10-2026: 2.6%▲ +1.1 percentage points vs 09-2026
11-2026: 2.6%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 106 days late; 3 of the last 3 accounts late
Figures for financial year 2024 (filed on 16-11-2025)
Founded in 2019
lowers risk
Liquidity: current ratio 2.30, cash €6,436
Calculation
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 81% of them on solvency, 87% on liquidity, 39% on profitability and 66% on growth.
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 31-12-2024.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as BELMEL has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BELMEL itself is higher: 2.6% within 12 months. It rests on far more data about BELMEL than the profile alone.
Test of the method
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 26,972 companies, not a prediction for BELMEL. 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.
Credit verdict
No publishable credit limit, so credit only on tighter terms
Liquidity is ample, with a current ratio of 2.3 (1.37 in 2023), above the usual 1.5. Short-term debt is 32.6% and cash 53.2% of total assets. 32.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Seven signals.
lowers riskraises risk
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
192021222324
2019 to 2024 · latest year €8,144
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 106 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-11-2025, 106 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
106 days late
2023
142 days late
2022
101 days late
2021
123 days late
2020
132 days late
2019
100 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 117 days after the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0722593976
First establishment
M&B COMPAGNY, Rue Pichelin, Tong. 8G, Sombreffe
Incorporation
Founder: SERPOLLET Mélanie (associée unique) · Founding capital of €18,600, 100 shares · Appointment: SERPOLLET Mélanie (manager) · published on 13-03-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BELMEL Sombreffe | - | - | 67.4% | - |
| Lima Kas Group Antwerp | - | - | -85.8% | - |
| PHAN & LE NAILS Anderlecht | €66,241 | 8.3% | -205.8% | - |
| VENUS MEDICAL ESTHETICS Dilbeek | €18,765 | 13.0% | -1.8% | - |
| LISEO Marchin | - | - | 40.1% | - |
| LOUISENAILS Liège | - | - | -6.8% | - |
| BEAUTY ATELJEE Kapelle-op-den-Bos | - | - | 61.2% | - |
These companies have the same main activity as BELMEL: beauty care and other beauty treatments (NACE 96220). They are comparable in size and age: total assets between €9,810 and €17,500, founded between 2015 and 2021.
Official details
Source: KBO- Status
- Active since 11-03-2019Normal situation
- Activity
- Beauty care and other beauty treatmentsNACE 96220
- Joint committee
- 314Hairdressing and beauty care · annual accounts 2023
- Establishment unit
- 2.288.050.1535140 Sombreffe, since 01-04-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 26-12-2025
Insights on BELMEL
BELMEL files the micro format. That format states no turnover. The gross margin fell from €39,536 in 2019 to €4,480 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BELMEL
- What is the company number of BELMEL?
- The company number of BELMEL is 0722.593.976. The VAT number is the same number with BE in front: BE 0722.593.976.
- Where is BELMEL based?
- The registered office is at Rue des Peupliers, Ligny 19, 5140 Sombreffe.Company details
- What does BELMEL do?
- According to the KBO register, the main activity is beauty care and other beauty treatments (NACE 96220).
- What is the legal form of BELMEL?
- BELMEL is a private limited company (pre-2019) (BVBA).
- When was BELMEL founded?
- BELMEL was founded on 11-03-2019.
- Is BELMEL still active?
- Yes, BELMEL is an active enterprise in the KBO register.
- How many employees does BELMEL have?
- BELMEL had an average of 0.8 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- Which joint committee does BELMEL fall under?
- In its 2023 annual accounts, BELMEL states joint committee 314 (Hairdressing and beauty care).
- What is the turnover of BELMEL?
- The turnover in financial year 2024 is ≈ €21,000. This figure is estimated from the gross margin of €4,480 and 32 comparable companies (NACE 96220). It probably lies between €15,000 and €41,000. It is a rough estimate.
- Is BELMEL profitable?
- In financial year 2024, BELMEL made a profit of €1,298.
- Where can I find the annual accounts of BELMEL?
- BELMEL filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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