GLOE
ActiveGLOE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €-7k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 67% of 4577 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▲+12
Solvency75▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.19 in 2024; short-term debt: 50.5% and cash: 29.5% of total assets), but 50.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
68 d late
2023
29 d late
2022
32 d late
2021
31 d late
2020
52 d late
2019
91 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€155k▼ 4.3%
2024 · €162k
2018: €-31k
2019: €160k
2020: €215k
2021: €268k
2022: €276k
2023: €201k
2024: €162k
2018 → 2025
Total assets
€313k▼ 8.8%
2024 · €343k
2018: €101k
2019: €1.29M
2020: €1.24M
2021: €1.28M
2022: €2.04M
2023: €351k
2024: €343k
2018 → 2025
Net result
€-7k▲ 82.2%
2024 · €-39k
2018: €-1k
2019: €-9k
2020: €55k
2021: €54k
2022: €8k
2023: €-76k
2024: €-39k
2018 → 2025
Working capital
€134k▲ 282%
2024 · €35k
2018: €-112k
2019: €-491k
2020: €-440k
2021: €-398k
2022: €255k
2023: €168k
2024: €35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€276k▲ 3.0%€201k▼ 27.4%€162k▼ 19.3%€155k▼ 4.3%
Operating result€72k-€35k▼ 51.1%€-56k€-31k▲ 44.6%€-6k▲ 81.6%
Net result€54k-€8k▼ 85.2%€-76k€-39k▲ 48.9%€-7k▲ 82.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €31k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €313k
Fixed assets
€21k▼ 83.1%
Current assets
€291k▲ 34.9%
Equity and liabilities €313k
Equity
€155k▼ 4.3%
Debt
€158k▼ 12.8%
The debt ratio falls from 52.8% to 50.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€173▲
2024 · €-25k
Cash flow
€-1k▲
2024 · €-33k
Solvency
49.5%▲
2024 · 47.2%
Current ratio
1.85▲
2024 · 1.19
Quick ratio
1.82▲
2024 · 1.18
Debt / equity
1.02▼
2024 · 1.12
ROE
-4.5%▲
2024 · -23.9%
ROA
-2.2%▲
2024 · -11.3%
Interest coverage
0.14▲
2024 · -26.54
Debt
€158k▼
2024 · €181k
Debt ≤ 1 year
€158k▼
2024 · €181k
Income taxes
€28▼
2024 · €7k
Staff costs
€183k▼
2024 · €220k
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€343k€313k▼
Fixed assets21/28€127k€21k▼
Tangible fixed assets22/27€124k€19k▼
Land and buildings22€100k€167▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€12k€11k▼
Financial fixed assets28€3k€3k=
Current assets29/58€216k€291k▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€187k€195k▲
Other amounts receivable41€187k€195k▲
Cash at bank and in hand54/58€26k€92k▲
Deferred charges and accrued income490/1-€428
Equity and liabilities
Total equity and liabilities10/49€343k€313k▼
Equity10/15€162k€155k▼
Contributions10/11€219k€219k=
Profit (loss) carried forward14€-57k€-64k▼
Amounts payable17/49€181k€158k▼
Amounts payable within one year42/48€181k€158k▼
Trade debts44€22k€6k▼
Suppliers440/4€22k€6k▼
Taxes, remuneration and social security45€17k€20k▲
Taxes450/3€14k€16k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€142k€132k▼
Income statement
Code20242025
Non-recurring operating income76A-€100k
Remuneration, social security and pensions62€220k€183k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€3k€102k▲
Gross operating margin9900€198k€286k▲
Operating profit (loss)9901€-31k€-6k▲
Financial income75/76B-€39
Recurring financial income75-€39
Financial charges65/66B€944€1k▲
Recurring financial charges65€944€1k▲
Profit (loss) for the period before taxes9903€-32k€-7k▲
Income taxes67/77€7k€28▼
Profit (loss) for the period9904€-39k€-7k▲
Profit (loss) for the period to be appropriated9905€-39k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-57k€-64k▼
Profit (loss) brought forward from the previous period14P€-18k€-57k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-76k ▼1053%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Liquidity times 7current ratio 1.14
Current ratio from 0.16 to 1.14.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 52 days late
2020
31-12
Financial
Back to profitnet €55k
Net result €55k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €215k ▲34.4%
Equity rises from €160k to €215k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Equity above €150kEq €160k
Equity rises from €-31k to €160k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gent · 2 establishment units since 2007
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.
Vlaanderenstraat 1229000 GentGround area
894 m²
Building footprint
295 m²
Volume, LiDAR
4,460 m³
2 parcels, Flanders · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
De Client
since 20072.161.273.034
DE CLIENT
since 20092.198.204.496
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0441/00A000 | Flanders | 813 m² | 1 · 226 m² | 18.4 m · 5 fl. |
| 44804D1963/00C000 | Flanders | 81 m² | 1 · 68 m² | 17.4 m · 5 fl. |
Linked by address, not proof of ownership
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.
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DE KNAPMAKERS
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HAARSALON JELJA
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Of 21,748 companies in sector 96210 we hold annual accounts for 2,831. 1,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2007
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
47512Retail sale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47750Retail sale of cosmetics and toilet articles
52410
52421
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.