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FERNAND'S TEAM

Active
Private limited companyfounded 198639 yrs activeHombeeksesteenweg 123, 2800 Mechelen, BelgiumKBO/BCE: BE 0430.136.008
Summary

FERNAND'S TEAM has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33,571 and a net result of €9,311. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 5299 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
FERNAND'S TEAMActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Hairdressing and barber services
NACE 96210NACE 93021Hairdressing NACE 96021
1 site
Size
€58,717total assets 2025
Staff
1 FTE
Equity
€33,571
Profit
€9,311
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts on time0 of 1 deed read
Why 97+ Liquidity: current ratio 1.98, cash €31,675+ Founded in 1986+ Equity €33,571 (57.2% of total assets)+ Figures for FY 2025 (filed 31-07-2026)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 79% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 82+9
equity 57.2% of total assets
Liquidity 86+3
short-term debt 32.7% · cash 53.9%
Profitability 89+7
return on assets 15.9%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,533 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▼ -1.2% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +13.8% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%▲ +12.1% vs 05-2025 07-2025: 0.2%▲ +49.0% vs 06-2025highest value 08-2025: 0.1%▼ -66.4% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -2.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +14.0% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%▲ +14.0% vs 05-2026 07-2026: 0.1%▲ +18.5% vs 06-2026 08-2026: < 0.1%▼ -41.6% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 1.98, cash €31,675 lowers the probability
  • Founded in 1986 lowers the probability for this profile
  • Equity €33,571 (57.2% of total assets) lowers the probability
  • Figures for FY 2025 (filed 31-07-2026) lowers the probability
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 1.98 against 1.46 in 2024; short-term debt: 32.7% and cash: 53.9% of total assets), and 42.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 73%, liquidity 87%, profitability 77%, growth against the median 77%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 1.98, cash €31,675
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1986
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Equity €33,571 (57.2% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 31-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
2 d early
2022
3 d early
2021
44 d early
2020
4 d early
2019
66 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 2 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. Usually files around 30 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2018net €9,311 ▲73.5%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Positive: 5 profitable years in a rowprofit 2025: €9,311 5 years View
  • Active since 1986founded 18-12-1986 39 years View

By topic

Financials

Fiscal year
2025
Total assets
€58,717
Profit
€9,311
Solvency
57.2%
Total assets▲ 16.5%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 31-07-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 31-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Hairdressing and barber servicesNACE 96210
Founded
18-12-1986
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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