KAPPER TAELMAN
ActiveKAPPER TAELMAN has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €22k. Equity is shrinking by ~15.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 69% of 4555 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +60 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency89▲+16
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.45 in 2024), and 47.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
52.3%
Return on assets
15%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €77k
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
52 d early
2023
51 d early
2022
32 d early
2021
43 d early
2020
30 d late
2019
on the day
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 40.2%
2024 · €55k
2018: €241k
2019: €250k
2020: €260k
2021: €238k
2022: €192k
2023: €63k
2024: €55k
2018 → 2025
Total assets
€148k▲ 12.0%
2024 · €132k
2018: €267k
2019: €281k
2020: €265k
2021: €262k
2022: €253k
2023: €129k
2024: €132k
2018 → 2025
Net result
€22k
2024 · €-7k
2018: €11k
2019: €8k
2020: €10k
2021: €1k
2022: €-6k
2023: €6k
2024: €-7k
2018 → 2025
Working capital
€47k▲ 39.2%
2024 · €34k
2018: €224k
2019: €237k
2020: €248k
2021: €229k
2022: €184k
2023: €48k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€238k-€192k▼ 19.4%€63k▼ 67.4%€55k▼ 11.9%€77k▲ 40.2%
Operating result€596-€-7k€8k€-5k€27k
Net result€1k-€-6k€6k€-7k€22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €27k after a loss of €5k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€31k▲ 38.1%
Current assets
€117k▲ 6.5%
Equity and liabilities €148k
Equity
€77k▲ 40.2%
Debt
€71k▼ 8.3%
The debt ratio falls from 58.3% to 47.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€30k▲
2024 · €-3k
Cash flow
€25k▲
2024 · €-6k
Solvency
52.3%▲
2024 · 41.7%
Current ratio
1.68▲
2024 · 1.45
Quick ratio
1.62▲
2024 · 1.41
Debt / equity
0.91▼
2024 · 1.40
ROE
28.7%▲
2024 · -13.5%
ROA
15.0%▲
2024 · -5.6%
Interest coverage
9.73▲
2024 · -1.07
Debt
€71k▼
2024 · €77k
Debt ≤ 1 year
€69k▼
2024 · €75k
Income taxes
€3k
Staff costs
€145k▼
2024 · €173k
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€132k€148k▲
Fixed assets21/28€23k€31k▲
Tangible fixed assets22/27€23k€23k▲
Land and buildings22€7k€6k▼
Furniture and vehicles24€1k€713▼
Other tangible fixed assets26€15k€16k▲
Financial fixed assets28-€8k
Current assets29/58€109k€117k▲
Stocks and contracts in progress3€3k€5k▲
Stocks30/36€3k€5k▲
Amounts receivable within one year40/41€13k€13k▼
Trade receivables40€2k€5k▲
Other amounts receivable41€11k€8k▼
Current investments50/53-€25k
Cash at bank and in hand54/58€85k€65k▼
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€132k€148k▲
Equity10/15€55k€77k▲
Contributions10/11€19k€19k=
Reserves13€45k€59k▲
Distributable reserves133€45k€59k▲
Profit (loss) carried forward14€-8k-
Amounts payable17/49€77k€71k▼
Amounts payable within one year42/48€75k€69k▼
Trade debts44€22k€11k▼
Suppliers440/4€22k€11k▼
Taxes, remuneration and social security45€23k€31k▲
Taxes450/3€4k€13k▲
Remuneration and social security454/9€19k€18k▼
Other amounts payable47/48€30k€27k▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€173k€145k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€176k€180k▲
Operating profit (loss)9901€-5k€27k▲
Financial income75/76B€173€2k▲
Recurring financial income75€173€2k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-7k€26k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-7k€22k▲
Profit (loss) for the period to be appropriated9905€-7k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€14k▲
Profit (loss) brought forward from the previous period14P€-872€-8k▼
Transfer to equity691/2-€14k
To other reserves6921-€14k
The notes to these accounts (7 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼235%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity times 11current ratio 100.88
Current ratio from 8.89 to 100.88; short-term debt falls from €30k to €2k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
11-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 42 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Kortrijk · 1 establishment unit since 1978
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.
Ringlaan(Kor) 348500 KortrijkGround area
4.9 ha
Building footprint
1.5 ha
Parcel 34352B0962/00W000, Flanders. Linked by address, not a title deed.
1 establishment unit
Ringlaan(Kor) 34, 8500 Kortrijk
since 19782.015.308.919
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34352B0962/00W000 | Flanders | 4.9 ha | 1 · 1.5 ha | - |
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.
Recognitions · licences · registrations
Dual-learning approval
1 endedSimilar companies · same sector, comparable size
IN 2 HAIR
BE 0669.705.717
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GEERT EN MARTINE
BE 1009.442.871
Lichtervelde · Eq €78k
ALBANA COIFFURE
BE 0712.509.936
Fléron · Eq €77k
NADIR ET DOMINIQUE
BE 0424.667.285
Pepinster · Eq €78k
ETIENNE
BE 0829.165.007
Landen · Eq €78k
Of 21,676 companies in sector 96210 we hold annual accounts for 2,806. 1,900 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-1977
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
93022
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.