Handcraft
ActiveHandcraft has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €1k. Equity is growing by ~72.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 4622 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-21
Solvency61▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.34 in 2024; short-term debt: 63.8% and cash: 69.2% of total assets), and 63.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 5 filingsDeviation from the deadline
2025
26 d late
2024
60 d late
2023
27 d late
2022
20 d early
2021
30 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€26k▲ 14.0%
2021 · €23k
2021: €23k
2021 → 2022
EBIT margin
-2.1%▲ 29.5pp
2021 · -31.5%
2021: -31.5%
2021 → 2022
Net result
€1k▼ 73.2%
2024 · €4k
2021: €-7k
2022: €-634
2023: €8k
2024: €4k
2021 → 2025
Working capital
€3k▼ 14.8%
2024 · €4k
2021: €-12k
2022: €-12k
2023: €-2k
2024: €4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€23k-€26k▲ 14.0%
Equity€-5k-€-5k▼ 13.5%€3k€7k▲ 132%€8k▲ 15.3%
Operating result€-7k-€-527▲ 92.6%€8k€4k▼ 51.9%€2k▼ 40.6%
Net result€-7k-€-634▲ 91.2%€8k€4k▼ 52.5%€1k▼ 73.2%
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 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€5k▲ 52.5%
Current assets
€17k▲ 15.8%
Equity and liabilities €22k
Equity
€8k▲ 15.3%
Debt
€14k▲ 26.0%
The debt ratio rises from 61.7% to 63.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3k▼
2024 · €5k
Cash flow
€2k▼
2024 · €5k
Solvency
36.2%▼
2024 · 38.3%
Current ratio
1.23▼
2024 · 1.34
Quick ratio
1.09▼
2024 · 1.21
Debt / equity
1.76▲
2024 · 1.61
ROE
13.2%▼
2024 · 57.0%
ROA
4.8%▼
2024 · 21.8%
Interest coverage
49.63▼
2024 · 59.29
Debt
€14k▲
2024 · €11k
Debt ≤ 1 year
€14k▲
2024 · €11k
Income taxes
€1k
Staff costs
€639▲
2024 · €13
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€18k€22k▲
Formation expenses20€38-
Fixed assets21/28€3k€5k▲
Tangible fixed assets22/27€3k€5k▲
Furniture and vehicles24€3k€5k▲
Current assets29/58€15k€17k▲
Stocks and contracts in progress3€1k€2k▲
Stocks30/36€1k€2k▲
Amounts receivable within one year40/41€564€91▼
Trade receivables40€564€91▼
Cash at bank and in hand54/58€13k€15k▲
Equity and liabilities
Total equity and liabilities10/49€18k€22k▲
Equity10/15€7k€8k▲
Contributions10/11€3k€3k=
Reserves13-€5k
Distributable reserves133-€5k
Profit (loss) carried forward14€4k-
Amounts payable17/49€11k€14k▲
Amounts payable within one year42/48€11k€14k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€7k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€13€639▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€875€897▲
Gross operating margin9900€6k€5k▼
Operating profit (loss)9901€4k€2k▼
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€92€70▼
Recurring financial charges65€92€70▼
Profit (loss) for the period before taxes9903€4k€2k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€4k€1k▼
Profit (loss) for the period to be appropriated9905€4k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€5k▲
Profit (loss) brought forward from the previous period14P€483€4k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (5 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Diest · 1 establishment unit since 2020
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.
Koningin Astridlaan 303290 DiestGround area
185 m²
Building footprint
70 m²
Volume, LiDAR
648 m³
Parcel 24020A1970/00S002, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Handcraft
since 20202.299.624.926
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020A1970/00S002 | Flanders | 185 m² | 1 · 70 m² | 10.6 m · 3 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.
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LA VARO
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KREATIVE
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Of 21,750 companies in sector 96210 we hold annual accounts for 2,833. 2,197 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2020
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.