HCD
ActiveHCD has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €5k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 4610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+9
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 6.65 against 6.84 in 2024; short-term debt: 15% and cash: 4% of total assets), and 16.6% 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○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
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
83.4%
Return on assets
8.3%
Age of the figures
9 mo
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
144 d late
2023
84 d late
2022
88 d late
2021
92 d late
2020
121 d late
2019
145 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 11.1%
2024 · €43k
2018: €21k
2019: €26k
2020: €35k
2021: €40k
2022: €43k
2023: €41k
2024: €43k
2018 → 2025
Total assets
€58k▲ 9.8%
2024 · €53k
2018: €52k
2019: €51k
2020: €46k
2021: €48k
2022: €49k
2023: €50k
2024: €53k
2018 → 2025
Net result
€5k▲ 106%
2024 · €2k
2018: €4k
2019: €5k
2020: €9k
2021: €5k
2022: €3k
2023: €-2k
2024: €2k
2018 → 2025
Working capital
€49k▲ 9.2%
2024 · €45k
2018: €38k
2019: €40k
2020: €38k
2021: €40k
2022: €43k
2023: €42k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€43k▲ 6.3%€41k▼ 4.6%€43k▲ 5.7%€48k▲ 11.1%
Operating result€6k-€3k▼ 56.5%€-3k€2k€5k▲ 181%
Net result€5k-€3k▼ 49.1%€-2k€2k€5k▲ 106%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 181% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €58k
Equity
€48k▲ 11.1%
Debt
€10k▲ 3.4%
The debt ratio falls from 17.6% to 16.6%. Equity and debt are higher.
Key figures and ratios
Solvency
83.4%▲
2024 · 82.4%
Current ratio
6.65▼
2024 · 6.84
Quick ratio
6.65▼
2024 · 6.84
Debt / equity
0.20▼
2024 · 0.21
ROE
10.0%▲
2024 · 5.4%
ROA
8.3%▲
2024 · 4.4%
Debt
€10k▲
2024 · €9k
Debt ≤ 1 year
€9k▲
2024 · €8k
Income taxes
€2k▲
2024 · €1k
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€53k€58k▲
Current assets29/58€53k€58k▲
Amounts receivable within one year40/41€50k€55k▲
Other amounts receivable41€50k€55k▲
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€708€788▲
Equity and liabilities
Total equity and liabilities10/49€53k€58k▲
Equity10/15€43k€48k▲
Contributions10/11€9k€9k=
Reserves13€36k€41k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€34k€39k▲
Profit (loss) carried forward14€-2k€-2k=
Amounts payable17/49€9k€10k▲
Amounts payable within one year42/48€8k€9k▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Accrued charges and deferred income492/3€2k€894▼
Income statement
Code20242025
Non-recurring operating income76A€2k€2k▲
Other operating charges640/8€956€122▼
Gross operating margin9900€3k€6k▲
Operating profit (loss)9901€2k€5k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€64€48▼
Recurring financial charges65€64€48▼
Profit (loss) for the period before taxes9903€4k€7k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€2k€5k▲
Profit (loss) for the period to be appropriated9905€2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€369€3k▲
Profit (loss) brought forward from the previous period14P€-2k€-2k=
Transfer to equity691/2€2k€5k▲
To other reserves6921€2k€5k▲
The notes to these accounts (3 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
22-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 144 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
31-12
Financial
Weakest financial yearnet €-2k ▼177%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 121 days late
2020
31-12
Financial
Highest result since 2018net €9k ▲78.7%
Operating result €11k, net result €9k, both a record.
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 145 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 143 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zuienkerke · 1 establishment unit since 2004
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.
Blankenbergse Steenweg 198377 ZuienkerkeGround area
4,361 m²
Building footprint
252 m²
Volume, LiDAR
1,558 m³
2 parcels, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
COIFFURE DEBONNE
since 20042.136.762.322
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31042C0264/00G000 | Flanders | 4,283 m² | 1 · 174 m² | 6.7 m · 2 fl. |
| 31804D1566/02B000 | Flanders | 78 m² | 1 · 78 m² | 12.5 m · 3 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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KREBIS
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GABRIEL GG
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Of 21,750 companies in sector 96210 we hold annual accounts for 2,832. 2,133 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-04-2004
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
80424
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.