HAARTIEST
ActiveHAARTIEST has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €986. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+19
Solvency65▲+16
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.64 against 1.7 in 2024; short-term debt: 47.5% and cash: 8.4% of total assets), and 60.3% 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
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
39.7%
Return on assets
1.3%
Age of the figures
9 mo
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
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 · 8 filingsDeviation from the deadline
2025
7 d early
2024
7 d early
2023
22 d early
2022
7 d early
2021
6 d early
2020
5 d early
2019
9 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▲ 3.4%
2024 · €29k
2018: €8k
2019: €14k
2020: €13k
2021: €24k
2022: €18k
2023: €26k
2024: €29k
2018 → 2025
Total assets
€76k▼ 37.1%
2024 · €121k
2018: €26k
2019: €29k
2020: €26k
2021: €37k
2022: €112k
2023: €117k
2024: €121k
2018 → 2025
Net result
€986▼ 67.7%
2024 · €3k
2018: €2k
2019: €6k
2020: €-805
2021: €11k
2022: €-7k
2023: €9k
2024: €3k
2018 → 2025
Working capital
€-13k
2024 · €25k
2018: €-8k
2019: €2k
2020: €1k
2021: €11k
2022: €7k
2023: €18k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€18k▼ 27.9%€26k▲ 48.7%€29k▲ 11.7%€30k▲ 3.4%
Operating result€3k-€-7k€9k€7k▼ 27.5%€6k▼ 11.7%
Net result€11k-€-7k€9k€3k▼ 64.3%€986▼ 67.7%
Turnover and EBIT margin not published: the 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 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€53k▼ 12.4%
Current assets
€23k▼ 61.7%
Equity and liabilities €76k
Equity
€30k▲ 3.4%
Debt
€46k▼ 50.0%
The debt ratio falls from 75.8% to 60.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▼
2024 · €17k
Cash flow
€11k▼
2024 · €13k
Solvency
39.7%▲
2024 · 24.2%
Current ratio
0.64▼
2024 · 1.70
Quick ratio
0.58▼
2024 · 1.69
Debt / equity
1.52▼
2024 · 3.14
ROE
3.3%▼
2024 · 10.5%
ROA
1.3%▼
2024 · 2.5%
Interest coverage
8.03▲
2024 · 3.53
Debt
€46k▼
2024 · €91k
Debt ≤ 1 year
€36k▲
2024 · €36k
Debt > 1 year
€10k▼
2024 · €55k
Income taxes
€5k▲
2024 · €2k
Staff costs
€60k▲
2024 · €46k
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€121k€76k▼
Fixed assets21/28€60k€53k▼
Tangible fixed assets22/27€60k€53k▼
Land and buildings22€60k€51k▼
Plant, machinery and equipment23-€976
Furniture and vehicles24-€1k
Current assets29/58€60k€23k▼
Stocks and contracts in progress3€450€2k▲
Stocks30/36€450€2k▲
Amounts receivable within one year40/41€51k€14k▼
Trade receivables40€2k€8k▲
Other amounts receivable41€49k€7k▼
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1€5k€283▼
Equity and liabilities
Total equity and liabilities10/49€121k€76k▼
Equity10/15€29k€30k▲
Contributions10/11€6k€6k=
Reserves13€23k€24k▲
Distributable reserves133€23k€24k▲
Amounts payable17/49€91k€46k▼
Amounts payable after more than one year17€55k€10k▼
Financial debts170/4€55k€10k▼
Amounts payable within one year42/48€36k€36k▲
Current portion of amounts payable after more than one year42€11k€1k▼
Financial debts43€4k€4k▲
Credit institutions430/8€4k€4k▲
Trade debts44€12k€13k▲
Suppliers440/4€12k€13k▲
Taxes, remuneration and social security45€9k€18k▲
Taxes450/3€3k€10k▲
Remuneration and social security454/9€6k€8k▲
Accrued charges and deferred income492/3€598€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€46k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€68k€81k▲
Operating profit (loss)9901€7k€6k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€5k€6k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€3k€986▼
Profit (loss) for the period to be appropriated9905€3k€986▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€986▼
Transfer to equity691/2€3k€986▼
To other reserves6921€3k€986▼
The notes to these accounts (15 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 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-7k ▼160%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 1.11
Current ratio from 0.54 to 1.11; short-term debt falls from €18k to €15k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Kortrijk · 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.
Apollostraat(Mar) 168510 KortrijkGround area
2,362 m²
Building footprint
1,109 m²
Volume, LiDAR
8,999 m³
2 parcels, Flanders · tallest building 25.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
HAARTIEST
since 20182.277.565.839
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0202/00R000 | Flanders | 1,471 m² | 1 · 224 m² | 4.6 m · 1 fl. |
| 34022G0320/00K000 | Flanders | 891 m² | 1 · 885 m² | 25.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 90 EUR awarded · 90 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 90 EUR | 90 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteKortrijk2.277.565.839
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CAPRE.2
BE 0832.565.549
Seraing · Eq €30k
Of 21,751 companies in sector 96210 we hold annual accounts for 2,826. 2,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2018
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47252Retail sale of beverages, general range
47512Retail sale of household textiles and bedding
82300Organisation of conventions and trade shows
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.