Equity
Debts exceed assets in financial year 2025.
Debts exceed assets in financial year 2025.
Of this, €65,494 falls due within a year.
Green is investment, beige is depreciation.
Short-term debts rose from €58,050 to €65,494.
The last five annual accounts were filed 0 to 44 days before the end of the period.
Less equity than 93% of companies in personal services. Sector median €14,713 · 6,274 companies.
In July 2024, 3,633 companies had the same profile as Frebu has now. Each dot stands for 10 companies, two years later.
Another 0.4% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 3,633 companies, not a prediction for Frebu. 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.
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.
| Company | ||||
|---|---|---|---|---|
| Frebu Mol | €42,139 | €29,013 | -149.9% | - |
| SYMENSON Rixensart | €46,496 | €27,843 | 68.2% | - |
| ESSENTIAL HAIRDRESSER De Panne | €48,750 | €24,811 | 84.6% | - |
| MARIE Antwerp | €45,950 | €23,471 | 72.9% | - |
| Nervii Rumst | €35,576 | €17,038 | 67.3% | - |
| RD&M Beveren-Kruibeke-Zwijndrecht | €46,658 | €45,688 | 78.4% | - |
| Krealier Antwerp | €38,928 | €51,405 | -250.8% | 2 |
These companies have the same main activity as Frebu: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €35,600 and €48,700, founded between 2004 and 2012.
Frebu files the micro format. That format states no turnover. The gross margin rose from -€1,395 in 2010 to €29,013 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.
See how customers, suppliers and banks see your own company and what to improve first.
If something looks wrong or is missing, please tell us.