CARMA COIFFURES
ActiveCARMA COIFFURES has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €-19k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 69% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-88
Solvency78▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.2 in 2024; short-term debt: 41.9% and cash: 8.6% of total assets), and 47.3% 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 · 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
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
52.7%
Return on assets
-12.6%
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 11-07-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
6 d late
2023
1 d late
2022
2 d late
2021
24 d late
2020
12 d late
2019
49 d early
← 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
€81k▼ 19.3%
2024 · €100k
2018: €7k
2019: €-964
2020: €-17k
2021: €71k
2022: €57k
2023: €64k
2024: €100k
2018 → 2025
Total assets
€154k▼ 9.7%
2024 · €170k
2018: €182k
2019: €150k
2020: €79k
2021: €169k
2022: €158k
2023: €160k
2024: €170k
2018 → 2025
Net result
€-19k
2024 · €36k
2018: €-4k
2019: €-8k
2020: €-16k
2021: €88k
2022: €-14k
2023: €7k
2024: €36k
2018 → 2025
Working capital
€9k▼ 23.6%
2024 · €12k
2018: €-35k
2019: €-50k
2020: €-51k
2021: €-45k
2022: €-41k
2023: €-29k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€57k▼ 19.4%€64k▲ 13.0%€100k▲ 56.4%€81k▼ 19.3%
Operating result€100k-€-18k€8k€35k▲ 325%€-20k
Net result€88k-€-14k€7k€36k▲ 391%€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €35k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€80k▼ 19.7%
Current assets
€74k▲ 4.4%
Equity and liabilities €154k
Equity
€81k▼ 19.3%
Provisions
€7k▼ 22.6%
Debt
€66k▲ 7.6%
The debt ratio rises from 36.0% to 43.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▼
2024 · €58k
Cash flow
€4k▼
2024 · €59k
Solvency
52.7%▼
2024 · 59.0%
Current ratio
1.14▼
2024 · 1.20
Quick ratio
0.58▼
2024 · 0.86
Debt / equity
0.81▲
2024 · 0.61
ROE
-23.8%▼
2024 · 36.0%
ROA
-12.6%▼
2024 · 21.2%
Interest coverage
0.48▼
2024 · 11.54
Debt
€66k▲
2024 · €61k
Debt ≤ 1 year
€64k▲
2024 · €58k
Income taxes
€276▼
2024 · €3k
Staff costs
€283k▲
2024 · €240k
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€170k€154k▼
Fixed assets21/28€100k€80k▼
Tangible fixed assets22/27€96k€76k▼
Plant, machinery and equipment23€95k€73k▼
Furniture and vehicles24€954€4k▲
Financial fixed assets28€4k€4k=
Current assets29/58€70k€74k▲
Stocks and contracts in progress3€20k€36k▲
Stocks30/36€20k€36k▲
Amounts receivable within one year40/41€18k€20k▲
Trade receivables40€14k€18k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€28k€13k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€170k€154k▼
Equity10/15€100k€81k▼
Contributions10/11€19k€19k=
Reserves13€36k€28k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€34k€26k▼
Profit (loss) carried forward14€46k€34k▼
Provisions and deferred taxes16€9k€7k▼
Deferred taxes168€9k€7k▼
Amounts payable17/49€61k€66k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€58k€64k▲
Current portion of amounts payable after more than one year42€12k€8k▼
Trade debts44€17k€20k▲
Suppliers440/4€17k€20k▲
Taxes, remuneration and social security45€27k€36k▲
Taxes450/3€25k€19k▼
Remuneration and social security454/9€2k€17k▲
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€691€2k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€259k-
Remuneration, social security and pensions62€240k€283k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▲
Other operating charges640/8€7k€8k▲
Non-recurring operating charges66A-€182
Gross operating margin9900€305k€294k▼
Operating profit (loss)9901€35k€-20k▼
Financial income75/76B€7k€6k▼
Recurring financial income75€7k€6k▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€37k€-21k▼
Transfer from deferred taxes780€2k€2k▼
Income taxes67/77€3k€276▼
Profit (loss) for the period9904€36k€-19k▼
Transfer from tax-exempt reserves789€8k€8k▼
Profit (loss) for the period to be appropriated9905€45k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€34k▼
Profit (loss) brought forward from the previous period14P€1k€46k▲
The notes to these accounts (6 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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-19k ▼153%
Net result drops to €-19k, the lowest in the series.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
31-12
Financial
Equity above €100kEq €100k ▲56.4%
2 profitable years in a row build equity to €100k.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €88k
Net result €88k after 3 loss-making years.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
12-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 43 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Esneux · 2 establishment units since 2007
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.
Avenue des Ardennes 84130 EsneuxGround area
2,051 m²
Building footprint
298 m²
Volume, LiDAR
504 m³
2 parcels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
SANKE HAIR DRESSERS
since 20072.159.495.855
SANKE HAIR DRESSERS
since 20182.277.474.480
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62030C0248/00W011 | Wallonia | 1,624 m² | 1 · 236 m² | - |
| 62101D0455/00S021 | Wallonia | 427 m² | 1 · 62 m² | 10.4 m · 3 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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Of 21,751 companies in sector 96210 we hold annual accounts for 2,826. 1,880 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2007
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:04/376.77.13