Checked.be
Active
BE 0467.220.987Private limited company (pre-2019)
FIRST CHRISA
Dennenlaan 28 ·2840 Rumst, Belgium· 26 yrs active
Sector: Hairdressing and barber services
(96210)
Conclusion
FIRST CHRISA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €-210. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 49% of 4350 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €107k |
| Net result | €-210 |
| Staff (FTE) | 2 |
| Better than sector | 49% |
Financial profile
47
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
58
Profitability
0
Solvency
44
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1999, 26 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
58
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€6k
estimate, not credit advice
Score history
78
2022
66
2023
37
2024
58
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.09 (≥ 1.0)
+5
Quick ratio
Quick ratio 1.06 (≥ 1.0)
+5
Profitability
Negatieve ROE 0%
-10
Interest coverage
Interest coverage 2.4×
+3
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-04-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Net result: declining trend of ~60%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 96, Personal service activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 27.5% | 28.3% | |
| Net result | €-210 | €3k | |
| Equity | €107k | €17k | |
| Gross operating margin | €83k | €28k | |
| Staff costs | €64k | €43k |
€17k
+85.8%
22-25
€-210
+97.2%
22-25
€15k
+126.2%
22-25
€390k
-2.0%
22-25
€107k
-0.2%
22-25
€21k
-38.4%
22-25
2
0.0%
22-25
€64k
+3.7%
22-25
€1k
-6.1%
22-25
€283k
-2.6%
22-25
€228k
+7.1%
22-25
€55k
-29.0%
22-25
1.09
-5.8%
22-25
1.06
-5.9%
22-25
27.5%
+1.8%
22-25
2.64
-2.4%
22-25
-0.2%
+97.2%
22-25
-0.1%
+97.2%
22-25
2.39
+85.3%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €17k | €9k | €28k | €32k |
| Net profit | €-210 | €-8k | €7k | €12k |
| Cash flow | €15k | €6k | €21k | €26k |
| Staff costs | €64k | €61k | €54k | €54k |
| Income taxes | €1k | €1k | €3k | €4k |
| Dividends | - | - | - | - |
| Total assets | €390k | €398k | €396k | €411k |
| Equity | €107k | €107k | €115k | €108k |
| Debt | €283k | €291k | €281k | €303k |
| of which ≤ 1y | €228k | €213k | €181k | €182k |
| of which > 1y | €55k | €78k | €101k | €121k |
| Working capital | €21k | €34k | €50k | €49k |
| Employees (FTE) | 2.0 | 2.0 | 2.0 | 1.7 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 1.09 | 1.16 | 1.28 | 1.27 |
| Quick ratio | 1.06 | 1.13 | 1.27 | 1.26 |
| Working capital ratio | 5.3% | 8.5% | 12.6% | 12.0% |
| Solvency | 27.5% | 27.0% | 29.0% | 26.3% |
| Debt / equity | 2.64 | 2.71 | 2.45 | 2.81 |
| Long-term debt ratio | 0.52 | 0.73 | 0.88 | 1.12 |
| Interest coverage | 2.39 | 1.29 | 2.87 | 4.27 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -0.1% | -1.9% | 1.8% | 2.8% |
| ROE | -0.2% | -7.0% | 6.1% | 10.8% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €390k | €398k | €396k | €411k |
| Fixed assets | 21/28 | €142k | €152k | €166k | €180k |
| Tangible fixed assets | 22/27 | €142k | €152k | €166k | €180k |
| Current assets | 29/58 | €248k | €246k | €231k | €231k |
| Stocks & contracts in progress | 3 | €6k | €6k | €1k | €1k |
| Amounts receivable within one year | 40/41 | €43k | €39k | €33k | €33k |
| Cash & bank | 54/58 | €6k | €8k | €3k | €3k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €390k | €398k | €396k | €411k |
| Equity | 10/15 | €107k | €107k | €115k | €108k |
| Contributions / capital | 10/11 | €52k | €52k | €52k | €52k |
| Reserves | 13 | €55k | €55k | €63k | €56k |
| Amounts payable | 17/49 | €283k | €291k | €281k | €303k |
| Amounts payable after one year | 17 | €55k | €78k | €101k | €121k |
| Amounts payable within one year | 42/48 | €228k | €213k | €181k | €182k |
| Trade debts payable within one year | 44 | €12k | €4k | €488 | - |
| Income statement | |||||
| Gross operating margin | 9900 | €83k | €80k | €86k | €92k |
| Operating result | 9901 | €2k | €-5k | €14k | €18k |
| Financial income | 75 | €6k | €6k | €5k | €5k |
| Financial charges | 65 | €7k | €7k | €10k | €8k |
| Result before taxes | 9903 | €885 | €-6k | €10k | €16k |
| Income taxes | 67/77 | €1k | €1k | €3k | €4k |
| Net result for the period | 9904 | €-210 | €-8k | €7k | €12k |
| Result to be appropriated | 9905 | €-210 | €-8k | €7k | €12k |
Legal Structure
| NACE primary | Hairdressing and barber services(96210) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 08-11-1999 |
| Status | Active |
| Postal code | 2840 |
Establishment units
Ti Sento
since 20012.101.307.535
Real-estate footprint
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0740/00N003 | Flanders | 1,170 m² | 1 · 147 m² | 10.8 m · 2 fl. |
| 11036B0243/00W002 | Flanders | 229 m² | 1 · 94 m² | 9.8 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-8k ▼208%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Credit advice
Company registry (CBE)
Activities
93021Hairdressing96021Hairdressing and barber services96210Personal service activities96040Day spas, saunas and steam baths96230
Names & trade names
| Legal nameNL | FIRST CHRISA |
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