CURVE-O
ActiveCURVE-O has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €2k. Equity is shrinking by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 4604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
83
/ 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
Profitability74▼-5
Solvency100▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 5.9 against 4.19 in 2024; short-term debt: 16.4% and cash: 13.4% of total assets), and 16.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
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
83.6%
Return on assets
4%
Age of the figures
9 mo
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 €41k
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 d early
2024
8 d early
2023
2 d late
2022
39 d early
2021
23 d late
2020
11 d late
2019
27 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 5.0%
2024 · €39k
2018: €58k
2019: €65k
2020: €81k
2021: €40k
2022: €56k
2023: €35k
2024: €39k
2018 → 2025
Total assets
€49k▼ 10.1%
2024 · €55k
2018: €78k
2019: €120k
2020: €134k
2021: €98k
2022: €102k
2023: €59k
2024: €55k
2018 → 2025
Net result
€2k▼ 54.1%
2024 · €4k
2018: €-7k
2019: €7k
2020: €16k
2021: €-40k
2022: €16k
2023: €-21k
2024: €4k
2018 → 2025
Working capital
€40k▲ 8.6%
2024 · €36k
2018: €51k
2019: €92k
2020: €71k
2021: €53k
2022: €62k
2023: €34k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€56k▲ 38.9%€35k▼ 37.6%€39k▲ 12.3%€41k▲ 5.0%
Operating result€-40k-€17k€-19k€5k€2k▼ 65.5%
Net result€-40k-€16k€-21k€4k€2k▼ 54.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€1k▼ 78.3%
Current assets
€48k▼ 0.5%
Equity and liabilities €49k
Equity
€41k▲ 5.0%
Debt
€8k▼ 48.1%
The debt ratio falls from 28.5% to 16.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €12k
Cash flow
€7k▼
2024 · €11k
Solvency
83.6%▲
2024 · 71.5%
Current ratio
5.90▲
2024 · 4.19
Quick ratio
0.94▲
2024 · 0.68
Debt / equity
0.20▼
2024 · 0.40
ROE
4.8%▼
2024 · 11.0%
ROA
4.0%▼
2024 · 7.9%
Interest coverage
15.04▼
2024 · 21.01
Debt
€8k▼
2024 · €16k
Debt ≤ 1 year
€8k▼
2024 · €11k
Debt > 1 year
€0▼
2024 · €4k
Income taxes
€197▼
2024 · €428
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€55k€49k▼
Fixed assets21/28€7k€1k▼
Tangible fixed assets22/27€7k€1k▼
Plant, machinery and equipment23€7k€1k▼
Current assets29/58€48k€48k▼
Stocks and contracts in progress3€40k€40k=
Stocks30/36€40k€40k=
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€1k€499▼
Other amounts receivable41€1k€506▼
Cash at bank and in hand54/58€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€55k€49k▼
Equity10/15€39k€41k▲
Contributions10/11€6k€6k=
Reserves13€33k€35k▲
Non-distributable reserves130/1€620€620=
Reserves not available under the articles1311€620€620=
Distributable reserves133€32k€34k▲
Amounts payable17/49€16k€8k▼
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€11k€8k▼
Current portion of amounts payable after more than one year42€6k€4k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€428€625▲
Taxes450/3€428€625▲
Other amounts payable47/48€34€715▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Other operating charges640/8€449€462▲
Gross operating margin9900€13k€8k▼
Operating profit (loss)9901€5k€2k▼
Financial income75/76B€2€814▲
Recurring financial income75€2€814▲
Financial charges65/66B€579€472▼
Recurring financial charges65€579€472▼
Profit (loss) for the period before taxes9903€5k€2k▼
Income taxes67/77€428€197▼
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€2k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€4k€2k▼
To other reserves6921€4k€2k▼
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €-40k ▼360%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Maasmechelen · 1 establishment unit since 2011
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.
Grotestraat(B) 1693631 MaasmechelenGround area
1,764 m²
Building footprint
175 m²
Parcel 73008A0498/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Grotestraat(B) 169, 3631 Maasmechelen
since 20112.201.227.829
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73008A0498/00D000 | Flanders | 1,764 m² | 1 · 175 m² | - |
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 21,750 companies in sector 96210 we hold annual accounts for 2,832. 2,193 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-06-2011
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.