GHANMI
ActiveGHANMI has been active since 2018 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 growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 1033 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 10.15 against 7.05 in 2024; short-term debt: 9.1% and cash: 25.2% of total assets), and 9.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
90.9%
Return on assets
4%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
7 d early
2024
7 d late
2023
61 d late
2022
80 d late
2021
65 d late
2020
12 d early
2019
73 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€41k▲ 4.6%
2024 · €39k
2019: €5k
2020: €27k
2021: €29k
2022: €32k
2023: €36k
2024: €39k
2019 → 2025
Total assets
€45k▲ 0.1%
2024 · €45k
2019: €5k
2020: €28k
2021: €31k
2022: €34k
2023: €42k
2024: €45k
2019 → 2025
Net result
€2k▼ 39.8%
2024 · €3k
2019: €-1k
2020: €10k
2021: €2k
2022: €3k
2023: €4k
2024: €3k
2019 → 2025
Working capital
€37k▲ 6.0%
2024 · €35k
2019: €1k
2020: €24k
2021: €26k
2022: €28k
2023: €33k
2024: €35k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€32k▲ 8.5%€36k▲ 12.1%€39k▲ 8.2%€41k▲ 4.6%
Operating result€2k-€2k▲ 31.4%€4k▲ 80.8%€3k▼ 26.8%€2k▼ 28.4%
Net result€2k-€3k▲ 19.0%€4k▲ 53.9%€3k▼ 24.2%€2k▼ 39.8%
Turnover and EBIT margin not published: the abbreviated or 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 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€4k▼ 8.5%
Current assets
€41k▲ 0.9%
Equity and liabilities €45k
Equity
€41k▲ 4.6%
Debt
€4k▼ 29.9%
The debt ratio falls from 12.9% to 9.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €4k
Cash flow
€2k▼
2024 · €3k
Solvency
90.9%▲
2024 · 87.1%
Current ratio
10.15▲
2024 · 7.05
Quick ratio
10.15▲
2024 · 7.05
Debt / equity
0.10▼
2024 · 0.15
ROE
4.4%▼
2024 · 7.6%
ROA
4.0%▼
2024 · 6.6%
Interest coverage
52.33▲
2024 · 17.78
Debt
€4k▼
2024 · €6k
Debt ≤ 1 year
€4k▼
2024 · €6k
Income taxes
€442▼
2024 · €985
Staff costs
€281
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€45k€45k▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€1k€859▼
Furniture and vehicles24€1k€859▼
Financial fixed assets28€3k€3k=
Current assets29/58€41k€41k▲
Amounts receivable within one year40/41€30k€30k▼
Trade receivables40€14k€14k=
Other amounts receivable41€16k€16k▼
Cash at bank and in hand54/58€10k€11k▲
Deferred charges and accrued income490/1€155-
Equity and liabilities
Total equity and liabilities10/49€45k€45k▲
Equity10/15€39k€41k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Profit (loss) carried forward14€20k€22k▲
Amounts payable17/49€6k€4k▼
Amounts payable within one year42/48€6k€4k▼
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€281
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€512€329▼
Other operating charges640/8€1k€796▼
Gross operating margin9900€5k€4k▼
Operating profit (loss)9901€3k€2k▼
Financial income75/76B€972-
Recurring financial income75€972-
Financial charges65/66B€206€49▼
Recurring financial charges65€206€49▼
Profit (loss) for the period before taxes9903€4k€2k▼
Income taxes67/77€985€442▼
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€22k▲
Profit (loss) brought forward from the previous period14P€17k€20k▲
The notes to these accounts (4 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
19-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 80 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 65 days late
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity times 15current ratio 63.15
Current ratio from 4.13 to 63.15; short-term debt falls from €437 to €388.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 73 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Harelbeke · 1 establishment unit since 2018
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.
Gentsestraat 848530 HarelbekeGround area
280 m²
Building footprint
96 m²
Volume, LiDAR
753 m³
Parcel 34013A0503/00A002, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gentsestraat 84, 8530 Harelbeke
since 20182.282.673.779
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34013A0503/00A002 | Flanders | 280 m² | 1 · 96 m² | 11.8 m · 2 fl. |
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.
Similar companies · same sector, comparable size
BELGROUPE
BE 0632.500.970
Ukkel · Eq €41k
Goku
BE 0747.585.136
Beveren-Kruibeke-Zwijndrecht · Eq €40k
MANU AU CARRE
BE 0693.819.521
Seneffe · Eq €40k
VEOSE SPRL
BE 0892.654.079
Namur · Eq €40k
GICO
BE 0869.458.411
Binche · Eq €41k
Of 21,751 companies in sector 96210 we hold annual accounts for 2,826. 2,191 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-11-2018
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.