Equity
-€5,832
Debts exceed assets in financial year 2025.
Just et Oli
Lifetime
9 annual accounts with figures on one time axispeak €257,880 (2025)
€257,880▲ 12.5%
lowest -€24,825 (2019)
€9,290▼ 59.4%
peak €18,718 (2018)
-€5,832▲ €9,290
€112,370▲ 7.6%
peak 6.2 FTE (2025)
6.2 FTE▲ 14.8%
Board2 names since 2016
2 directorsGilot Nathalie and 1 other
Documentsfilings and deeds
09-07-202622 days before the deadline
2025abbreviated format
Gross margin from €229,245 to €257,880Result from €22,877 to €9,290Staff from 5.4 FTE to 6.2 FTEEquity from -€15,122 to -€5,832Cash from €28,202 to €41,553
Key points
from the 2025 annual accountsTurnover
≈ €610,000 estimated
The accounts state no turnover.
Debts
€112,370 105% of the balance sheet
Financial debts 15%Suppliers 18%Taxes and wages 52%Other 16%
Of this, €99,468 falls due within a year.
Staff
9 employees on 31-12-2025
In 2025, 90 people joined and 88 left.
Filings
9 annual accounts 7 late
The 2019 accounts came latest: 77 days after the end of the period.
Position in the sector
-€5,832
Less equity than 80% of companies in personal services. Sector median €54,679 · 1,384 companies.
Checked score
56
Fair
Financially stronger than 55% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.7%
01-2025: 1.7%● unchanged vs 12-2024
02-2025: 1.7%● unchanged vs 01-2025
03-2025: 1.7%● unchanged vs 02-2025
04-2025: 1.7%● unchanged vs 03-2025
05-2025: 1.7%● unchanged vs 04-2025
06-2025: 1.6%▼ -0.1 percentage points vs 05-2025
07-2025: 1.7%▲ +0.1 percentage points vs 06-2025
08-2025: 2.3%▲ +0.6 percentage points vs 07-2025
09-2025: 2.7%▲ +0.4 percentage points vs 08-2025highest value
10-2025: 1.5%▼ -1.2 percentage points vs 09-2025
11-2025: 1.5%● unchanged vs 10-2025
12-2025: 1.5%● unchanged vs 11-2025
01-2026: 1.5%● unchanged vs 12-2025
02-2026: 1.5%● unchanged vs 01-2026
03-2026: 1.5%● unchanged vs 02-2026
04-2026: 1.7%▲ +0.2 percentage points vs 03-2026
05-2026: 1.6%▼ -0.1 percentage points vs 04-2026
06-2026: 1.6%● unchanged vs 05-2026
07-2026: 1.7%▲ +0.1 percentage points vs 06-2026
08-2026: 1.4%▼ -0.3 percentage points vs 07-2026
09-2026: 1.3%▼ -0.1 percentage points vs 08-2026lowest value
10-2026: 1.3%● unchanged vs 09-2026
11-2026: 1.3%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€5,832
Size: 6.2 FTE, total assets €106,538
lowers risk
Liquidity: current ratio 0.85, cash €41,553
Founded in 2016
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 27% of them on solvency, 42% on liquidity, 66% on profitability and 85% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,632 companies had the same profile as Just et Oli has now. Each dot stands for 10 companies, two years later.
91.9%
were still trading
4.8%
stopped another way
2.9%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Just et Oli itself: 1.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,632 companies, not a prediction for Just et Oli. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.85 (0.9 in 2024), below 1. Short-term debt is 93.4% and cash 39% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 1382 sector peers (2025).
NBB · sector comparisonPosition among 1382 sector peers
Solvency
better than 22%
← 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 09-07-2026, 22 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
22 days early
2024
29 days late
2023
27 days late
2022
6 days early
2021
29 days late
2020
31 days late
2019
77 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 24 days after the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (4 of the last 5 accounts filed within 34 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0649545751
Legal-form change · Resignations & appointments
“L’achat,la vente,l’échange,la commercialisation,l’exploitation de salons de coiffure,pour dames,et/ou pour…” (deed in French) · Gazette deed
Incorporation
published on 04-03-2016 · Gazette deed
First establishment
Rue du Cimetière 3D, Fosses-la-Ville
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Just et Oli Fosses-la-Ville | €106,538 | €257,880 | -5.5% | 6.2 |
| DADAMAEL Etterbeek | €80,082 | €199,467 | 13.8% | 5.6 |
| Mona Antwerpen Mechelen | €82,338 | €207,415 | 5.0% | 5.3 |
| Extrahair Nazareth-De Pinte | €136,230 | €212,028 | 22.2% | 5.1 |
| Krebe Antwerp | €157,625 | €199,209 | 67.5% | 5.3 |
| QUATRO I Izegem | €86,133 | €188,086 | 65.2% | 4.7 |
| FINESSE PLUS Maldegem | €123,807 | €180,216 | 14.9% | 4.9 |
These companies have the same main activity as Just et Oli: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €80,100 and €158,000, founded between 2007 and 2018.
Official details
Source: KBO- Status
- Active since 02-03-2016Normal situation
- Activity
- Hairdressing and barber servicesNACE 96210and 2 others
- Establishment unit
- 2.251.144.7225070 Fosses-la-Ville, since 02-03-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 25-11-2025
Annual accounts 2025
- €106,538▲ 19.3%
- Employeeson 31-12-2025
- 9▲ 28.6%
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on Just et Oli
Just et Oli files the abbreviated format. That format states no turnover. The gross margin rose from €212,263 in 2017 to €257,880 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Just et Oli
- What is the company number of Just et Oli?
- The company number of Just et Oli is 0649.545.751. The VAT number is the same number with BE in front: BE 0649.545.751.
- Where is Just et Oli based?
- The registered office is at Rue du Cimetière 3D, 5070 Fosses-la-Ville.Company details
- What does Just et Oli do?
- According to the KBO register, the main activity is hairdressing and barber services (NACE 96210).
- What is the legal form of Just et Oli?
- Just et Oli is a private limited company (BV).
- When was Just et Oli founded?
- Just et Oli was founded on 02-03-2016.
- Is Just et Oli still active?
- Yes, Just et Oli is an active enterprise in the KBO register.
- How many employees does Just et Oli have?
- Just et Oli had an average of 6.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of Just et Oli?
- The turnover in financial year 2025 is ≈ €610,000. This figure is estimated from the gross margin of €257,880 and 2,275 comparable companies of the same size. It probably lies between €370,000 and €1.0m. It is a rough estimate.
- Is Just et Oli profitable?
- In financial year 2025, Just et Oli made a profit of €9,290.
- Where can I find the annual accounts of Just et Oli?
- Just et Oli filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Just et Oli due?
- Just et Oli must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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