CIZAU
ActiveCIZAU has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €1k. Equity is growing by ~69.3% per year across the filed fiscal years. Its solvency ranks better than 68% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
81
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-93
Solvency95▲+6
Growth52=
Stability94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 2.87 in 2024), and 49.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
50.4%
Return on assets
0.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
36 d early
2024
41 d early
2023
4 d early
2022
9 d late
2021
16 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€216k▲ 152%
2024 · €86k
2021: €24k
2022: €41k
2023: €69k
2024: €86k
2021 → 2025
Total assets
€428k▲ 124%
2024 · €191k
2021: €111k
2022: €127k
2023: €135k
2024: €191k
2021 → 2025
Net result
€1k▼ 91.4%
2024 · €16k
2021: €20k
2022: €18k
2023: €29k
2024: €16k
2021 → 2025
Working capital
€74k▼ 32.8%
2024 · €111k
2021: €-3k
2022: €18k
2023: €47k
2024: €111k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€41k▲ 69.4%€69k▲ 69.1%€86k▲ 23.9%€216k▲ 152%
Operating result€25k-€24k▼ 1.4%€44k▲ 78.8%€30k▼ 32.3%€5k▼ 82.2%
Net result€20k-€18k▼ 12.0%€29k▲ 65.8%€16k▼ 43.3%€1k▼ 91.4%
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 82% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €428k
Fixed assets
€302k▲ 1,322%
Current assets
€126k▼ 25.7%
Equity and liabilities €428k
Equity
€216k▲ 152%
Debt
€212k▲ 101%
The debt ratio falls from 55.3% to 49.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€16k▼
2024 · €39k
Cash flow
€12k▼
2024 · €26k
Solvency
50.4%▲
2024 · 44.7%
Current ratio
2.43▼
2024 · 2.87
Quick ratio
1.96▼
2024 · 2.39
Debt / equity
0.98▼
2024 · 1.24
ROE
0.7%▼
2024 · 19.3%
ROA
0.3%▼
2024 · 8.6%
Interest coverage
2.53▼
2024 · 10.44
Debt
€212k▲
2024 · €106k
Debt ≤ 1 year
€52k▼
2024 · €59k
Debt > 1 year
€160k▲
2024 · €45k
Income taxes
€-112▼
2024 · €9k
Staff costs
€128k▼
2024 · €177k
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€191k€428k▲
Fixed assets21/28€21k€302k▲
Intangible fixed assets21€484€249▼
Tangible fixed assets22/27€21k€302k▲
Plant, machinery and equipment23€12k€258k▲
Furniture and vehicles24€9k€10k▲
Leasing and similar rights25-€34k
Current assets29/58€170k€126k▼
Amounts receivable after more than one year29-€1k
Other amounts receivable291-€1k
Stocks and contracts in progress3€28k€25k▼
Stocks30/36€28k€25k▼
Amounts receivable within one year40/41€6k€35k▲
Trade receivables40€2k€22k▲
Other amounts receivable41€4k€13k▲
Cash at bank and in hand54/58€86k€26k▼
Deferred charges and accrued income490/1€50k€39k▼
Equity and liabilities
Total equity and liabilities10/49€191k€428k▲
Equity10/15€86k€216k▲
Contributions10/11€5k€165k▲
Reserves13€81k€51k▼
Distributable reserves133€81k€51k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€106k€212k▲
Amounts payable after more than one year17€45k€160k▲
Financial debts170/4€45k€160k▲
Amounts payable within one year42/48€59k€52k▼
Current portion of amounts payable after more than one year42€15k€21k▲
Trade debts44€13k€3k▼
Suppliers440/4€13k€3k▼
Advances received on contracts in progress46€623€866▲
Taxes, remuneration and social security45€30k€27k▼
Taxes450/3€10k€12k▲
Remuneration and social security454/9€21k€15k▼
Other amounts payable47/48€0€62▲
Accrued charges and deferred income492/3€896€572▼
Income statement
Code20242025
Remuneration, social security and pensions62€177k€128k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€218k€147k▼
Operating profit (loss)9901€30k€5k▼
Financial income75/76B€1€2k▲
Recurring financial income75€1€2k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€26k€1k▼
Income taxes67/77€9k€-112▼
Profit (loss) for the period9904€16k€1k▼
Profit (loss) for the period to be appropriated9905€16k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€1k▼
Profit (loss) brought forward from the previous period14P€35k€0▼
Transfer from equity791/2-€31k
Transfer to equity691/2€51k€1k▼
To other reserves6921€51k€1k▼
Profit to be distributed694/7€0€31k▲
Return on contributions (dividend)694€0€31k▲
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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €1k ▼91.4%
Net result drops to €1k, the lowest in the series.
30-09
Financial
Equity above €200kEq €216k ▲152%
5 profitable years in a row build equity to €216k.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2021net €29k ▲65.8%
Operating result €44k, net result €29k, both a record.
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brugge · 1 establishment unit since 2020
Ground area
2,054 m²
Building footprint
1,284 m²
Volume, LiDAR
9,944 m³
Parcel 31029C0652/00H000, Flanders · tallest building 14.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CIZAU
since 20202.308.861.702
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31029C0652/00H000 | Flanders | 2,054 m² | 1 · 1,284 m² | 14.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 2,827. 1,299 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2020
Fiscal year end30-09
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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
1 entryE-mail:evrard_kimberly@hotmail.be