Equity
€40,978 from €80,504 in 2020
Equity fell by 49% in 5 years.
CURVE-O
Lifetime
14 annual accounts with figures on one time axispeak €46,119 (2020)
€7,566▼ 40.0%
lowest -€40,462 (2021)
€1,967▼ 54.1%
peak €80,504 (2020)
€40,978▲ 5.0%
€8,060▼ 48.1%
peak 0.5 FTE (2020)
-not published
Board6 names since 2011
3 directorsBV ANOTHER and 2 others
Documentsfilings and deeds
30-07-20261 days before the deadline
2025micro format
Gross margin from €12,607 to €7,566Result from €4,282 to €1,967Registered office moved from Heusden-Zolder to Maasmechelen 20-05Debts from €15,527 to €8,060
Key points
from the 2025 annual accountsFilings
14 annual accounts since 2012
Seven of the last ten came late. The 2018 accounts came latest: 56 days after the end of the period.
Position in the sector
83.6%
Higher solvency than 91% of companies in personal services. Sector median 26.9% · 5,741 companies.
Checked score
86
Excellent
Financially stronger than 66% of micro companies in personal services (NACE 96)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,628 companies (NACE 96, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%
01-2025: 1.1%● unchanged vs 12-2024
02-2025: 1.1%● unchanged vs 01-2025
03-2025: 1.1%● unchanged vs 02-2025
04-2025: 1.2%▲ +0.1 percentage points vs 03-2025
05-2025: 1.3%▲ +0.1 percentage points vs 04-2025
06-2025: 3.1%▲ +1.8 percentage points vs 05-2025
07-2025: 3.4%▲ +0.3 percentage points vs 06-2025highest value
08-2025: 2.5%▼ -0.9 percentage points vs 07-2025
09-2025: 2.5%● unchanged vs 08-2025
10-2025: 2.5%● unchanged vs 09-2025
11-2025: 2.5%● unchanged vs 10-2025
12-2025: 2.5%● unchanged vs 11-2025
01-2026: 2.5%● unchanged vs 12-2025
02-2026: 2.5%● unchanged vs 01-2026
03-2026: 2.5%● unchanged vs 02-2026
04-2026: 0.8%▼ -1.7 percentage points vs 03-2026
05-2026: 1.0%▲ +0.2 percentage points vs 04-2026
06-2026: 1.0%● unchanged vs 05-2026
07-2026: 1.0%● unchanged vs 06-2026
08-2026: 0.4%▼ -0.6 percentage points vs 07-2026lowest value
09-2026: 0.4%● unchanged vs 08-2026lowest value
10-2026: 0.4%● unchanged vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Size: total assets €49,038
lowers risk
Figures for financial year 2025 (filed on 06-08-2026)
Liquidity: current ratio 5.90, cash €6,571
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 93% of them on solvency, 67% on liquidity, 56% on profitability and 50% on growth.
The bankruptcy probability was computed on 06-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 10,904 companies had the same profile as CURVE-O has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of CURVE-O itself: 0.4% within 12 months.
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 10,904 companies, not a prediction for CURVE-O. 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
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.9 (4.19 in 2024), above the usual 1.5. Short-term debt is 16.4% and cash 13.4% of total assets. 16.4% 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
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €40,978
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
8 days early
2023
2 days late
2022
39 days early
2021
23 days late
2020
11 days late
2019
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 2 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 (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0837199179
Registered office moved from Heusden-Zolder to Maasmechelen
New registered office: Grotestraat 169, 3631 Maasmechelen · Previous registered office: Nieuwstraat 87, 3550 Heusden-Zolder · Resignations: Joël Vertommen (director) and Ludovic Beckers (director) · General meeting of 20-03-2025 · Gazette deed
Registered office moved from Sint-Truiden to Heusden-Zolder
New registered office: Nieuwstraat 87, 3550 Heusden-Zolder · Previous registered office: Tongersesteenweg 111, 3800 Sint-Truiden · Resignation: Luc Clerx (director) · General meeting of 02-01-2024 · Gazette deed
Incorporation
published on 05-07-2011 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CURVE-O Maasmechelen | - | - | 83.6% | - |
| YElle Soumagne | - | - | 48.1% | - |
| MES ANGES Etterbeek | - | - | 16.1% | - |
| KAPSALON MARITA Beveren | - | - | 88.4% | - |
| SIMPLY YOU Turnhout | €88,518 | 3.4% | 53.4% | - |
| RCG Parfait Halen | - | - | -106.1% | - |
| BV COIFFURE Neupré | €66,973 | 9.4% | 81.7% | - |
These companies have the same main activity as CURVE-O: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €35,300 and €55,500, founded between 2008 and 2012.
Official details
Source: KBO- Status
- Active since 20-06-2011Normal situation
- Activity
- Hairdressing and barber servicesNACE 96210and 1 other
- Establishment unit
- 2.201.227.8293631 Maasmechelen, since 20-06-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 09-12-2025
Annual accounts 2025
- ≈ €51,000estimated
- €49,038▼ 10.1%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on CURVE-O
CURVE-O files the micro format. That format states no turnover. The gross margin fell from €27,289 in 2012 to €7,566 in 2025.
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 CURVE-O
- What is the company number of CURVE-O?
- The company number of CURVE-O is 0837.199.179. The VAT number is the same number with BE in front: BE 0837.199.179.
- Where is CURVE-O based?
- The registered office is at Grotestraat 169, 3631 Maasmechelen.Company details
- What does CURVE-O do?
- According to the KBO register, the main activity is hairdressing and barber services (NACE 96210).
- What is the legal form of CURVE-O?
- CURVE-O is a private limited company (pre-2019) (BVBA).
- When was CURVE-O founded?
- CURVE-O was founded on 20-06-2011.
- Is CURVE-O still active?
- Yes, CURVE-O is an active enterprise in the KBO register.
- How many employees does CURVE-O have?
- CURVE-O had an average of 0.5 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- What is the turnover of CURVE-O?
- The turnover in financial year 2025 is ≈ €51,000. This figure is estimated from the gross margin of €7,566 and 94 comparable companies (NACE 96210). It probably lies between €30,000 and €96,000. It is a rough estimate.
- Is CURVE-O profitable?
- In financial year 2025, CURVE-O made a profit of €1,967.
- Where can I find the annual accounts of CURVE-O?
- CURVE-O filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CURVE-O due?
- CURVE-O must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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