Face2Face
ActiveSummary
Face2Face has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38,033 and a net result of €5,009. Equity is growing by ~53.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 4711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-24
Solvency51▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 1.77 against 0.52 in 2024; short-term debt: 34% and cash: 44.5% of total assets), but 74.3% of the assets are financed with debt.
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Signals
Three 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
25.7%
Return on assets
3.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-08-2026, 16 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
16 d late
2024
28 d early
2023
142 d late
2022
31 d early
2021
12 d early
2020
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 20 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€38,033▲ 15.2%
2024 · €33,024
Total assets
€148,030▲ 42.7%
2024 · €103,721
Net result
€5,009▼ 78.7%
2024 · €23,469
Working capital
€38,702
2024 · -€34,226
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€32,511-€8,750▲ 73.1%€44,080€33,086▼ 24.9%€9,380▼ 71.6%
Net result-€33,974below the sector's middle half-€9,860below the sector's middle half▲ 71.0%€41,225above the sector's middle half€23,469above the sector's middle half▼ 43.1%€5,009within the sector's middle half▼ 78.7%
Equity-€21,819below the sector's middle half-€31,679below the sector's middle half▼ 45.2%€9,546within the sector's middle half€33,024within the sector's middle half▲ 246%€38,033within the sector's middle half▲ 15.2%
Total assets€102,895within the sector's middle half▼ 14.0%€90,933within the sector's middle half▼ 11.6%€130,011within the sector's middle half▲ 43.0%€103,721within the sector's middle half▼ 20.2%€148,030within the sector's middle half▲ 42.7%
Debt€124,714▲ 10.8%€122,612▼ 1.7%€120,465▼ 1.8%€70,697▼ 41.3%€109,997▲ 55.6%
Working capital-€122,468below the sector's middle half▼ 14.4%-€122,077below the sector's middle half▲ 0.3%-€66,170below the sector's middle half▲ 45.8%-€34,226below the sector's middle half▲ 48.3%€38,702above the sector's middle half
Solvency-21.2%below the sector's middle half▼ 27.2pp-34.8%below the sector's middle half▼ 13.6pp7.3%within the sector's middle half▲ 42.2pp31.8%within the sector's middle half▲ 24.5pp25.7%within the sector's middle half▼ 6.1pp
Current ratio0.02below the sector's middle half▼ 0.030.00below the sector's middle half▼ 0.010.45below the sector's middle half▲ 0.450.52within the sector's middle half▲ 0.071.77within the sector's middle half▲ 1.25
Return on assets (ROA)-33.0%below the sector's middle half▼ 39.0pp-10.8%below the sector's middle half▲ 22.2pp31.7%above the sector's middle half▲ 42.6pp22.6%above the sector's middle half▼ 9.1pp3.4%within the sector's middle half▼ 19.2pp
Staff (FTE)2.21▼ 54.5%
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
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 72% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148,030
Fixed assets
€58,949 ▼ 12.3%
Current assets
€89,081 ▲ 144%
Equity and liabilities €148,030
Equity
€38,033 ▲ 15.2%
Debt
€109,997 ▲ 55.6%
Debt's share of the balance-sheet total rises from 68.2% to 74.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25,356▼
2024 · €48,111
Cash flow
€20,984▼
2024 · €38,494
Debt to equity
2.89▲
2024 · 2.14
ROE
13.2%▼
2024 · 71.1%
Interest coverage
10.47▼
2024 · 33.88
Debt ≤ 1 year
€50,379▼
2024 · €70,697
Debt > 1 year
€59,618
Income taxes
€1,957▼
2024 · €8,201
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,273 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.1%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,273 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €37,089 | €11,200 | €2,077 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,551 | €13,645 | €14,682 | €15,025 | €15,975 | ▲ 6.3% |
| Other operating charges640/8 | €2,456 | €2,753 | €1,243 | €859 | €1,364 | ▲ 58.7% |
| Gross operating margin9900 | €20,584 | €18,848 | €62,082 | €48,970 | €26,720 | ▼ 45.4% |
| Operating profit (loss)9901 | -€32,511 | -€8,750 | €44,080 | €33,086 | €9,380 | ▼ 71.6% |
| Financial income75/76B | €1 | €228 | €0 | €4 | €8 | ▲ 80.0% |
| Recurring financial income75 | €1 | €228 | €0 | €4 | €8 | ▲ 80.0% |
| Financial charges65/66B | €1,190 | €1,339 | €1,416 | €1,420 | €2,422 | ▲ 70.6% |
| Recurring financial charges65 | €1,190 | €1,339 | €1,416 | €1,420 | €2,422 | ▲ 70.6% |
| Profit (loss) for the period before taxes9903 | -€33,700 | -€9,860 | €42,664 | €31,670 | €6,966 | ▼ 78.0% |
| Income taxes67/77 | €274 | - | €1,439 | €8,201 | €1,957 | ▼ 76.1% |
| Profit (loss) for the period9904 | -€33,974 | -€9,860 | €41,225 | €23,469 | €5,009 | ▼ 78.7% |
| Profit (loss) for the period to be appropriated9905 | -€33,974 | -€9,860 | €41,225 | €23,469 | €5,009 | ▼ 78.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €102,895 | €90,933 | €130,011 | €103,721 | €148,030 | ▲ 42.7% |
| Fixed assets21/28 | €100,649 | €90,399 | €75,716 | €67,250 | €58,949 | ▼ 12.3% |
| Intangible fixed assets21 | €515 | €366 | €217 | €68 | - | - |
| Tangible fixed assets22/27 | €100,135 | €90,033 | €75,499 | €67,182 | €58,949 | ▼ 12.3% |
| Plant, machinery and equipment23 | €7,475 | €6,497 | €5,518 | €4,549 | €10,159 | ▲ 123% |
| Furniture and vehicles24 | €338 | €3,598 | €2,427 | €1,256 | €138 | ▼ 89.0% |
| Other tangible fixed assets26 | €92,321 | €79,938 | €67,554 | €61,378 | €48,652 | ▼ 20.7% |
| Current assets29/58 | €2,246 | €535 | €54,295 | €36,470 | €89,081 | ▲ 144% |
| Amounts receivable within one year40/41 | €574 | - | €50,477 | €19,598 | €286 | ▼ 98.5% |
| Trade receivables40 | €126 | - | €50,477 | €19,598 | €286 | ▼ 98.5% |
| Other amounts receivable41 | €448 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €1,672 | €535 | €3,818 | €58 | €65,824 | ▲ 114,258% |
| Deferred charges and accrued income490/1 | - | - | - | €16,815 | €22,970 | ▲ 36.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €102,895 | €90,933 | €130,011 | €103,721 | €148,030 | ▲ 42.7% |
| Equity10/15 | -€21,819 | -€31,679 | €9,546 | €33,024 | €38,033 | ▲ 15.2% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | - | - | - | - | €33,033 | - |
| Non-distributable reserves130/1 | - | - | - | - | €500 | - |
| Reserves not available under the articles1311 | - | - | - | - | €500 | - |
| Distributable reserves133 | - | - | - | - | €32,533 | - |
| Profit (loss) carried forward14 | -€26,819 | -€36,679 | €4,546 | €28,024 | - | - |
| Amounts payable17/49 | €124,714 | €122,612 | €120,465 | €70,697 | €109,997 | ▲ 55.6% |
| Amounts payable after more than one year17 | - | - | - | - | €59,618 | - |
| Financial debts170/4 | - | - | - | - | €59,618 | - |
| Amounts payable within one year42/48 | €124,714 | €122,612 | €120,465 | €70,697 | €50,379 | ▼ 28.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €14,974 | - |
| Trade debts44 | €9,769 | €2,799 | €2,381 | €6,150 | €10,697 | ▲ 73.9% |
| Suppliers440/4 | €9,769 | €2,799 | €2,381 | €6,150 | €10,697 | ▲ 73.9% |
| Taxes, remuneration and social security45 | €14,999 | €1,578 | €12,470 | €13,309 | €3,561 | ▼ 73.2% |
| Taxes450/3 | €4,920 | €1,578 | €12,470 | €13,309 | €3,561 | ▼ 73.2% |
| Remuneration and social security454/9 | €10,079 | - | - | - | - | - |
| Other amounts payable47/48 | €99,946 | €118,235 | €105,614 | €51,237 | €21,147 | ▼ 58.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€33,974 | -€9,860 | €41,225 | €23,469 | €5,009 | ▼ 78.7% |
| + Depreciation and write-downs630 | €13,551 | €13,645 | €14,682 | €15,025 | €15,975 | ▲ 6.3% |
| Operating cash flow (approximation) | -€20,423 | €3,785 | €55,907 | €38,494 | €20,984 | ▼ 45.5% |
| Investment in fixed assets (approximation) | - | -€3,395 | €0 | -€6,560 | -€7,674 | ▼ 17.0% |
| Change in cash | - | -€1,138 | €3,284 | -€3,761 | €65,767 | ▲ 1,849% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 1.77
Current ratio from 0.52 to 1.77; short-term debt falls from €70,697 to €50,379.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 142 days late
2023
31-12
Financial
Back to profitnet €41,225
Net result €41,225 after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€33,974
Net result drops to -€33,974, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 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, Schilde · 1 establishment unit since 2019
Ground area
1,962 m²
Building footprint
299 m²
Volume, LiDAR
1,786 m³
Parcel 11041C0289/00R000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Face2Face
since 20192.303.940.139
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0289/00R000 | Flanders | 1,961 m² | 1 · 299 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Dual-learning approval
5 endedHaarverzorging duaal (so)
Kapper (so)
Kapper (vwo)
Kapper-stylist duaal (so)
Schoonheidsspecialiste (so)
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Of 24,865 companies in sector 96220 we hold annual accounts for 1,444. 1,164 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
96220Beauty care and other beauty treatments
74130Interior design
Contact
E-mail
ellenvh13@me.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0737680149
Registered
27-03-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.