INTER COIFF
ActiveSummary
INTER COIFF has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€66,016) and a net result of €15,148. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 10% of 4695 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.05 against 0.05 in 2024; short-term debt: 292.2% and cash: 4.1% of total assets), and equity is negative.
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Signals
Four 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-192.2%
Return on assets
44.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 4695 sector peers (2025).
NBB · sector comparisonPosition among 4695 sector peers
Solvency
better than 10%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
31 d early
2023
26 d early
2022
30 d late
2021
23 d early
2020
15 d early
2019
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#5 oldest company in Herent, Other services sector
Equity
-€66,016▲ 18.7%
2024 · -€81,164
Total assets
€34,356▼ 16.7%
2024 · €41,249
Net result
€15,148▼ 34.5%
2024 · €23,144
Working capital
-€95,081▲ 18.0%
2024 · -€115,960
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,563-€7,858€5,378€25,363▲ 372%€17,224▼ 32.1%
Net result€609within the sector's middle half-€9,698below the sector's middle half€4,496within the sector's middle half€23,144above the sector's middle half▲ 415%€15,148above the sector's middle half▼ 34.5%
Equity-€99,107below the sector's middle half▲ 0.6%-€108,805below the sector's middle half▼ 9.8%-€104,308below the sector's middle half▲ 4.1%-€81,164below the sector's middle half▲ 22.2%-€66,016below the sector's middle half▲ 18.7%
Total assets€55,915within the sector's middle half▼ 7.4%€51,328within the sector's middle half▼ 8.2%€45,805within the sector's middle half▼ 10.8%€41,249within the sector's middle half▼ 9.9%€34,356within the sector's middle half▼ 16.7%
Debt€155,022▼ 3.2%€160,132▲ 3.3%€150,113▼ 6.3%€122,414▼ 18.5%€100,372▼ 18.0%
Working capital-€143,990▼ 8.8%-€155,062▼ 7.7%-€144,835▲ 6.6%-€115,960▲ 19.9%-€95,081▲ 18.0%
Solvency-177.2%below the sector's middle half▼ 12.1pp-212.0%below the sector's middle half▼ 34.7pp-227.7%below the sector's middle half▼ 15.7pp-196.8%below the sector's middle half▲ 31.0pp-192.2%below the sector's middle half▲ 4.6pp
Staff (FTE)1=1=0.7▼ 30.0%1▲ 42.9%1=
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34,356
Fixed assets
€29,065 ▼ 16.5%
Current assets
€5,291 ▼ 18.0%
Key figures and ratios
EBITDA
€22,955▼
2024 · €31,093
Cash flow
€20,879▼
2024 · €28,875
Current ratio
0.05=
2024 · 0.05
Quick ratio
0.03▼
2024 · 0.03
Debt to equity
-1.52▼
2024 · -1.51
ROA
44.1%▼
2024 · 56.1%
Interest coverage
13.51▼
2024 · 16.39
Debt ≤ 1 year
€100,372▼
2024 · €122,414
Income taxes
€376▲
2024 · €321
Staff costs
€19,040▲
2024 · €18,699
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,799 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,799 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €37,265 | €52,030 | €34,403 | €18,699 | €19,040 | ▲ 1.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,500 | €5,551 | €5,731 | €5,731 | €5,731 | = |
| Other operating charges640/8 | €803 | €827 | €901 | €1,556 | €1,263 | ▼ 18.8% |
| Gross operating margin9900 | €47,132 | €50,550 | €46,413 | €51,349 | €43,258 | ▼ 15.8% |
| Operating profit (loss)9901 | €3,563 | -€7,858 | €5,378 | €25,363 | €17,224 | ▼ 32.1% |
| Financial charges65/66B | €2,705 | €1,589 | €636 | €1,898 | €1,700 | ▼ 10.4% |
| Recurring financial charges65 | €2,705 | €1,589 | €636 | €1,898 | €1,700 | ▼ 10.4% |
| Profit (loss) for the period before taxes9903 | €858 | -€9,447 | €4,742 | €23,465 | €15,524 | ▼ 33.8% |
| Income taxes67/77 | €250 | €251 | €246 | €321 | €376 | ▲ 17.0% |
| Profit (loss) for the period9904 | €609 | -€9,698 | €4,496 | €23,144 | €15,148 | ▼ 34.5% |
| Profit (loss) for the period to be appropriated9905 | €609 | -€9,698 | €4,496 | €23,144 | €15,148 | ▼ 34.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €55,915 | €51,328 | €45,805 | €41,249 | €34,356 | ▼ 16.7% |
| Fixed assets21/28 | €49,500 | €46,258 | €40,527 | €34,796 | €29,065 | ▼ 16.5% |
| Tangible fixed assets22/27 | €49,500 | €46,258 | €40,527 | €34,796 | €29,065 | ▼ 16.5% |
| Land and buildings22 | €49,500 | €44,000 | €38,500 | €33,000 | €27,500 | ▼ 16.7% |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Furniture and vehicles24 | - | - | - | €0 | €0 | - |
| Other tangible fixed assets26 | - | €2,258 | €2,027 | €1,796 | €1,565 | ▼ 12.9% |
| Current assets29/58 | €6,415 | €5,070 | €5,278 | €6,453 | €5,291 | ▼ 18.0% |
| Stocks and contracts in progress3 | €3,280 | €2,921 | €2,471 | €2,724 | €2,685 | ▼ 1.4% |
| Stocks30/36 | €3,280 | €2,921 | €2,471 | €2,724 | €2,685 | ▼ 1.4% |
| Amounts receivable within one year40/41 | - | €219 | €41 | - | - | - |
| Trade receivables40 | - | €219 | €41 | - | - | - |
| Cash at bank and in hand54/58 | €1,745 | €459 | €1,076 | €2,459 | €1,399 | ▼ 43.1% |
| Deferred charges and accrued income490/1 | €1,391 | €1,472 | €1,690 | €1,270 | €1,208 | ▼ 4.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €55,915 | €51,328 | €45,805 | €41,249 | €34,356 | ▼ 16.7% |
| Equity10/15 | -€99,107 | -€108,805 | -€104,308 | -€81,164 | -€66,016 | ▲ 18.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €19,293 | €19,293 | €19,293 | €19,293 | - | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €17,433 | €17,433 | €19,293 | €19,293 | - | - |
| Profit (loss) carried forward14 | -€137,000 | -€146,698 | -€142,202 | -€119,058 | -€84,616 | ▲ 28.9% |
| Amounts payable17/49 | €155,022 | €160,132 | €150,113 | €122,414 | €100,372 | ▼ 18.0% |
| Amounts payable after more than one year17 | €4,616 | - | - | - | - | - |
| Financial debts170/4 | €4,616 | - | - | - | - | - |
| Amounts payable within one year42/48 | €150,406 | €160,132 | €150,113 | €122,414 | €100,372 | ▼ 18.0% |
| Current portion of amounts payable after more than one year42 | €17,736 | €4,616 | - | - | - | - |
| Financial debts43 | - | €2,496 | €2,490 | - | - | - |
| Credit institutions430/8 | - | €2,496 | €2,490 | - | - | - |
| Trade debts44 | €8,572 | €8,739 | €1,951 | €4,196 | €2,258 | ▼ 46.2% |
| Suppliers440/4 | €8,572 | €8,739 | €1,951 | €4,196 | €2,258 | ▼ 46.2% |
| Taxes, remuneration and social security45 | €6,736 | €8,347 | €5,875 | €5,604 | €5,213 | ▼ 7.0% |
| Taxes450/3 | €4,339 | €5,001 | €3,677 | €3,693 | €3,884 | ▲ 5.2% |
| Remuneration and social security454/9 | €2,398 | €3,347 | €2,198 | €1,911 | €1,329 | ▼ 30.5% |
| Other amounts payable47/48 | €117,361 | €135,934 | €139,797 | €112,614 | €92,901 | ▼ 17.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €609 | -€9,698 | €4,496 | €23,144 | €15,148 | ▼ 34.5% |
| + Depreciation and write-downs630 | €5,500 | €5,551 | €5,731 | €5,731 | €5,731 | = |
| Operating cash flow (approximation) | €6,109 | -€4,148 | €10,227 | €28,875 | €20,879 | ▼ 27.7% |
| Investment in fixed assets (approximation) | - | -€2,308 | €0 | €0 | €0 | - |
| Change in cash | - | -€1,286 | €618 | €1,383 | -€1,060 | ▼ 177% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €23,144 ▲415%
Operating result €25,363, net result €23,144, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4,496
Net result €4,496 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet -€9,698
Net result drops to -€9,698, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €609
Net result €609 after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Herent · 1 establishment unit since 1998
Ground area
906 m²
Building footprint
147 m²
Volume, LiDAR
860 m³
Parcel 24111E0580/00R002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bertemsebaan 30, 3020 Herent
since 19982.087.481.075
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24111E0580/00R002 | Flanders | 906 m² | 1 · 147 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 21,734 companies in sector 96210 we hold annual accounts for 2,832. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-06-1998
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
47715Retail trade
47750Retail sale of cosmetics and toilet articles
96220Beauty care and other beauty treatments
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463503810
Also
9925:BE0463503810
Registered
17-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.