J.Lo coiffure

Active

Private limited companyfounded 20206 yrs activeElsense Steenweg 85, 1050 Elsene, BelgiumKBO/BCE: BE 0750.836.022

Summary

The computed 12-month bankruptcy probability of J.Lo coiffure is 2.7% (moderate). The 2024 annual accounts show equity of €15k and a net result of €825. Equity is growing by ~107% per year across the filed fiscal years. Its solvency ranks better than 46% of 6162 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability57▼-43

Solvency45▲+4

Growth78=

Track record100

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.66 against 0.63 in 2023; short-term debt: 80.1% and cash: 39.4% of total assets), and 80.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

19.6%

Return on assets

1.1%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-10-2025, 81 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 · 4 filings

Deviation from the deadline

2025

not confirmed

2024

81 d late

2023

58 d late

2022

119 d late

2021

4 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€15k▲ 5.7%

2023 · €14k

2021: €-31k 2022: €-14k 2023: €14k

2021 → 2024

Total assets

€78k▼ 11.1%

2023 · €88k

2021: €76k 2022: €81k 2023: €88k

2021 → 2024

Net result

€825▼ 97.1%

2023 · €29k

2021: €-46k 2022: €17k 2023: €29k

2021 → 2024

Working capital

€-21k▲ 15.2%

2023 · €-25k

2021: €-61k 2022: €-46k 2023: €-25k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€-31k-€-14k▲ 53.8%€14k€15k▲ 5.7%

Operating result€-43k-€20k€32k▲ 59.2%€4k▼ 89.0%

Net result€-46k-€17k€29k▲ 73.5%€825▼ 97.1%

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 2024; 2024 is 89% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €78k

47.1%

52.9%

Fixed assets €37k ▼ 16.9%

Current assets €41k ▼ 5.1%

Equity and liabilities €78k

19.6%

80.4%

Equity €15k ▲ 5.7%

Debt €63k ▼ 14.4%

Debt's share of the balance-sheet total falls from 83.5% to 80.4%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€12k▼

2023 · €40k

Cash flow

€9k▼

2023 · €37k

Current ratio

0.66▲

2023 · 0.63

Quick ratio

0.50▲

2023 · 0.42

Debt to equity

4.11▼

2023 · 5.08

ROE

5.4%▼

2023 · 198.0%

ROA

1.1%▼

2023 · 32.6%

Interest coverage

4.47▼

2023 · 12.04

Debt ≤ 1 year

€63k▼

2023 · €69k

Staff costs

€85k▲

2023 · €68k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines

Balance sheet Code20232024

Assets

Total assets20/58€88k€78k▼

Fixed assets21/28€44k€37k▼

Intangible fixed assets21€2k€815▼

Tangible fixed assets22/27€42k€35k▼

Plant, machinery and equipment23€3k€3k▼

Furniture and vehicles24€29k€24k▼

Other tangible fixed assets26€10k€9k▼

Financial fixed assets28€694€694=

Current assets29/58€44k€41k▼

Stocks and contracts in progress3€15k€10k▼

Stocks30/36€15k€10k▼

Amounts receivable within one year40/41€230€763▲

Trade receivables40€207€740▲

Other amounts receivable41€23€23=

Cash at bank and in hand54/58€29k€31k▲

Equity and liabilities

Total equity and liabilities10/49€88k€78k▼

Equity10/15€14k€15k▲

Contributions10/11€15k€15k=

Profit (loss) carried forward14€-518€307▲

Amounts payable17/49€74k€63k▼

Amounts payable after more than one year17€5k-

Financial debts170/4€5k-

Amounts payable within one year42/48€69k€63k▼

Current portion of amounts payable after more than one year42€6k€5k▼

Trade debts44€4k€7k▲

Suppliers440/4€4k€7k▲

Taxes, remuneration and social security45€12k€13k▲

Taxes450/3€10k€9k▼

Remuneration and social security454/9€2k€4k▲

Other amounts payable47/48€47k€37k▼

Accrued charges and deferred income492/3-€270

Income statement Code20232024

Remuneration, social security and pensions62€68k€85k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲

Other operating charges640/8€309€325▲

Non-recurring operating charges66A€3k-

Gross operating margin9900€111k€97k▼

Operating profit (loss)9901€32k€4k▼

Financial charges65/66B€3k€3k▼

Recurring financial charges65€3k€3k▼

Profit (loss) for the period before taxes9903€29k€825▼

Profit (loss) for the period9904€29k€825▼

Profit (loss) for the period to be appropriated9905€29k€825▼

Appropriation of the result

Profit (loss) to be appropriated9906€-518€307▲

Profit (loss) brought forward from the previous period14P€-29k€-518▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

2025

20-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 81 days late

2024

27-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 58 days late

2023

31-12

Financial Highest result since 2021net €29k ▲73.5%

Operating result €32k, net result €29k, both a record.

27-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 119 days late

2022

31-12

Financial Back to profitnet €17k

Net result €17k after one loss-making year.

27-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Elsene · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Elsense Steenweg 851050 Elsene

Ground area

74 m²

Building footprint

73 m²

Volume, LiDAR

970 m³

Parcel 21009A0600/00D000, Brussels · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

J.Lo coiffure

Elsense Steenweg 85, 1050 ElseneRetail trade

since 20202.308.921.286

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21009A0600/00D000	Brussels	74 m²	1 · 73 m²	18.9 m · 5 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.

Similar companies · same sector, comparable size

Waterloo · Eq €15,276

LE COIFFEUR BY PHIL

BE 0457.550.978

Braine-le-Comte · Eq €15,264

AKA DEMY

BE 0567.716.947

Ukkel · Eq €15,359

Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 2,351 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded17-07-2020

Fiscal year end31-12

Activities, NACEBEL 2025

96210Hairdressing and barber services

47750Retail sale of cosmetics and toilet articles

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.