BIANCAPAD
ActiveBIANCAPAD has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €60k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 63% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency69▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.21 in 2024; short-term debt: 54.6% and cash: 28.9% of total assets), but 56.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
43.7%
Return on assets
26.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
48 d early
2023
28 d early
2022
51 d late
2021
30 d late
2020
2 d early
2019
14 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 149%
2024 · €41k
2018: €3k
2019: €7k
2020: €-702
2021: €-13k
2022: €-23k
2023: €-16k
2024: €41k
2018 → 2025
Total assets
€231k▲ 41.2%
2024 · €164k
2018: €74k
2019: €78k
2020: €93k
2021: €111k
2022: €155k
2023: €148k
2024: €164k
2018 → 2025
Net result
€60k▲ 7.6%
2024 · €56k
2018: €-6k
2019: €4k
2020: €-8k
2021: €-12k
2022: €-10k
2023: €7k
2024: €56k
2018 → 2025
Working capital
€88k▲ 272%
2024 · €24k
2018: €-24k
2019: €-17k
2020: €16k
2021: €-10k
2022: €-21k
2023: €-21k
2024: €24k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-13k-€-23k▼ 74.9%€-16k▲ 31.5%€41k€101k▲ 149%
Operating result€-4k-€-6k▼ 56.9%€29k€84k▲ 191%€88k▲ 4.8%
Net result€-12k-€-10k▲ 20.8%€7k€56k▲ 682%€60k▲ 7.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€17k▼ 41.0%
Current assets
€214k▲ 58.6%
Equity and liabilities €231k
Equity
€101k▲ 149%
Debt
€130k▲ 5.7%
The debt ratio falls from 75.2% to 56.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€94k▲
2024 · €90k
Cash flow
€66k▲
2024 · €63k
Solvency
43.7%▲
2024 · 24.8%
Current ratio
1.70▲
2024 · 1.21
Quick ratio
1.55▲
2024 · 1.13
Debt / equity
1.29▼
2024 · 3.04
ROE
59.9%▼
2024 · 138.5%
ROA
26.1%▼
2024 · 34.3%
Interest coverage
10.57▲
2024 · 8.31
Debt
€130k▲
2024 · €123k
Debt ≤ 1 year
€126k▲
2024 · €111k
Debt > 1 year
€4k▼
2024 · €8k
Income taxes
€25k▲
2024 · €23k
Staff costs
€152k▼
2024 · €153k
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€164k€231k▲
Fixed assets21/28€29k€17k▼
Tangible fixed assets22/27€24k€12k▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€6k€5▼
Leasing and similar rights25€8k€7k▼
Other tangible fixed assets26€5k€3k▼
Financial fixed assets28€5k€5k=
Current assets29/58€135k€214k▲
Stocks and contracts in progress3€9k€19k▲
Stocks30/36€9k€19k▲
Amounts receivable within one year40/41€104k€127k▲
Trade receivables40€4k€3k▼
Other amounts receivable41€101k€125k▲
Cash at bank and in hand54/58€21k€67k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€164k€231k▲
Equity10/15€41k€101k▲
Contributions10/11€6k€6k=
Reserves13€34k€95k▲
Distributable reserves133€34k€95k▲
Amounts payable17/49€123k€130k▲
Amounts payable after more than one year17€8k€4k▼
Financial debts170/4€8k€4k▼
Amounts payable within one year42/48€111k€126k▲
Current portion of amounts payable after more than one year42€4k€5k▲
Trade debts44€64k€64k▲
Suppliers440/4€64k€64k▲
Taxes, remuneration and social security45€43k€57k▲
Taxes450/3€28k€41k▲
Remuneration and social security454/9€15k€16k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€153k€152k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€6k€2k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€249k€251k▲
Operating profit (loss)9901€84k€88k▲
Financial income75/76B€6k€6k▲
Recurring financial income75€6k€6k▲
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€79k€85k▲
Income taxes67/77€23k€25k▲
Profit (loss) for the period9904€56k€60k▲
Profit (loss) for the period to be appropriated9905€56k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€60k▲
Profit (loss) brought forward from the previous period14P€-22k-
Transfer to equity691/2€34k€60k▲
To other reserves6921€34k€60k▲
The notes to these accounts (11 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €60k ▲7.6%
Operating result €88k, net result €60k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲149%
3 profitable years in a row build equity to €101k.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Namur · 2 establishment units since 2013
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.
Rue Patenier 25000 NamurGround area
1,187 m²
Building footprint
295 m²
Volume, LiDAR
2,121 m³
2 parcels, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Jean-Claude Biguine
since 20132.218.283.201
Biancapad
since 20202.308.600.097
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92014C1106/00V000 | Wallonia | 1,070 m² | 1 · 218 m² | 7.7 m · 2 fl. |
| 92302G0148/00E000 | Wallonia | 117 m² | 1 · 77 m² | 13.0 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.
Similar companies · same sector, comparable size
Immo Eurojems
BE 0442.962.079
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LAIF
BE 0896.163.895
Ternat · Eq €101k
BUTT'HAIRFLY
BE 0799.722.636
Ottignies-Louvain-la-Neuve · Eq €100k
Hairlounge Marlies
BE 0742.573.897
Gent · Eq €101k
LA JUMELLE
BE 0873.438.676
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Of 21,751 companies in sector 96210 we hold annual accounts for 2,826. 1,757 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2013
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:biancapadurean@hotmail.fr
Phone:081/40.04.22