KAPSALON SVEN
ActiveKAPSALON SVEN has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €34k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 71% of 4610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-6
Solvency79▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 3.04 in 2024; short-term debt: 45.8% and cash: 83.9% of total assets), and 45.8% 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
54.2%
Return on assets
13.6%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
44 d early
2023
30 d late
2022
25 d early
2021
34 d early
2020
53 d early
2019
51 d early
← 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
€135k▼ 18.0%
2024 · €165k
2018: €133k
2019: €129k
2020: €139k
2021: €146k
2022: €141k
2023: €144k
2024: €165k
2018 → 2025
Total assets
€250k▲ 7.0%
2024 · €233k
2018: €184k
2019: €183k
2020: €156k
2021: €238k
2022: €234k
2023: €216k
2024: €233k
2018 → 2025
Net result
€34k▼ 22.3%
2024 · €44k
2018: €26k
2019: €21k
2020: €9k
2021: €36k
2022: €18k
2023: €30k
2024: €44k
2018 → 2025
Working capital
€115k▼ 16.1%
2024 · €138k
2018: €77k
2019: €74k
2020: €110k
2021: €96k
2022: €94k
2023: €107k
2024: €138k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€146k-€141k▼ 3.7%€144k▲ 2.3%€165k▲ 14.8%€135k▼ 18.0%
Operating result€52k-€28k▼ 45.8%€44k▲ 56.0%€62k▲ 42.2%€50k▼ 20.4%
Net result€36k-€18k▼ 49.2%€30k▲ 63.8%€44k▲ 45.0%€34k▼ 22.3%
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 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€20k▼ 29.9%
Current assets
€230k▲ 12.1%
Equity and liabilities €250k
Equity
€135k▼ 18.0%
Debt
€115k▲ 67.6%
The debt ratio rises from 29.3% to 45.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€71k▼
2024 · €82k
Cash flow
€55k▼
2024 · €63k
Solvency
54.2%▼
2024 · 70.7%
Current ratio
2.01▼
2024 · 3.04
Quick ratio
1.90▼
2024 · 2.84
Debt / equity
0.85▲
2024 · 0.41
ROE
25.1%▼
2024 · 26.5%
ROA
13.6%▼
2024 · 18.7%
Interest coverage
50.45▲
2024 · 48.02
Debt
€115k▲
2024 · €68k
Debt ≤ 1 year
€114k▲
2024 · €67k
Debt > 1 year
€0▼
2024 · €866
Income taxes
€14k▼
2024 · €18k
Staff costs
€188k▲
2024 · €160k
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€233k€250k▲
Fixed assets21/28€28k€20k▼
Tangible fixed assets22/27€25k€16k▼
Plant, machinery and equipment23€4k€6k▲
Furniture and vehicles24€18k€1k▼
Other tangible fixed assets26€3k€9k▲
Financial fixed assets28€4k€4k=
Current assets29/58€205k€230k▲
Stocks and contracts in progress3€13k€13k▼
Stocks30/36€13k€13k▼
Amounts receivable within one year40/41€4k€6k▲
Trade receivables40€0€1k▲
Other amounts receivable41€4k€4k▲
Current investments50/53€0-
Cash at bank and in hand54/58€186k€210k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€233k€250k▲
Equity10/15€165k€135k▼
Contributions10/11€6k€6k=
Reserves13€150k€120k▼
Tax-exempt reserves132€13k€13k=
Distributable reserves133€138k€108k▼
Profit (loss) carried forward14€9k€9k=
Amounts payable17/49€68k€115k▲
Amounts payable after more than one year17€866€0▼
Financial debts170/4€866€0▼
Amounts payable within one year42/48€67k€114k▲
Current portion of amounts payable after more than one year42€10k€866▼
Trade debts44€9k€11k▲
Suppliers440/4€9k€11k▲
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€19k€33k▲
Taxes450/3€9k€21k▲
Remuneration and social security454/9€10k€13k▲
Other amounts payable47/48€29k€68k▲
Accrued charges and deferred income492/3€60€60=
Income statement
Code20242025
Remuneration, social security and pensions62€160k€188k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€21k▲
Other operating charges640/8€657€811▲
Gross operating margin9900€243k€260k▲
Operating profit (loss)9901€62k€50k▼
Financial income75/76B€1k€2▼
Recurring financial income75€1k€2▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€62k€48k▼
Income taxes67/77€18k€14k▼
Profit (loss) for the period9904€44k€34k▼
Profit (loss) for the period to be appropriated9905€44k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€43k▼
Profit (loss) brought forward from the previous period14P€9k€9k=
Transfer from equity791/2€21k€64k▲
Transfer to equity691/2€43k€34k▼
To other reserves6921€43k€34k▼
Profit to be distributed694/7€22k€64k▲
Return on contributions (dividend)694€21k€64k▲
Directors or managers695€1k€0▼
The notes to these accounts (14 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €44k ▲45%
Operating result €62k, net result €44k, both a record.
31-12
Financial
Equity above €150kEq €165k ▲14.8%
7 profitable years in a row build equity to €165k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €9k ▼57.4%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 7.51
Current ratio from 2.40 to 7.51; short-term debt falls from €53k to €17k.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Vilvoorde · 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.
Guldenschaapstraat 321800 VilvoordeGround area
84 m²
Building footprint
84 m²
Parcel 23642D0872/00W000, Flanders. Linked by address, not a title deed.
1 establishment unit
Kapsalon Sven
since 20042.137.319.477
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0872/00W000 | Flanders | 84 m² | 1 · 84 m² | - |
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 live approvalKapper-stylist duaal (so)
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Of 21,750 companies in sector 96210 we hold annual accounts for 2,832. 1,607 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2004
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
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.