L'ARMONY HAIR
ActiveThe computed 12-month bankruptcy probability of L'ARMONY HAIR is 1.9% (moderate). The 2025 annual accounts show negative equity (€-120) and a net result of €4k. Its solvency ranks better than 29% of 4610 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▲+62
Solvency25▲+9
Growth78
Track record82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.55 against 0.05 in 2024; short-term debt: 59.5% and cash: 2.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
-0.2%
Return on assets
6.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 2 filingsDeviation from the deadline
2025
25 d late
2024
3 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-120▲ 97.3%
2024 · €-4k
2024: €-4k
2024 → 2025
Total assets
€64k▲ 33.5%
2024 · €48k
2024: €48k
2024 → 2025
Net result
€4k
2024 · €-7k
2024: €-7k
2024 → 2025
Working capital
€-17k▼ 9.3%
2024 · €-16k
2024: €-16k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-4k-€-120▲ 97.3%
Operating result€-4k-€8k
Net result€-7k-€4k
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: €8k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€43k▼ 8.5%
Current assets
€21k▲ 2,448%
Key figures and ratios
EBITDA
€13k▲
2024 · €-1k
Cash flow
€9k▲
2024 · €-5k
Solvency
-0.2%▲
2024 · -9.4%
Current ratio
0.55▲
2024 · 0.05
Quick ratio
0.41▲
2024 · 0.05
ROA
6.8%▲
2024 · -15.6%
Interest coverage
4.21▲
2024 · -0.35
Debt
€64k▲
2024 · €52k
Debt ≤ 1 year
€38k▲
2024 · €17k
Debt > 1 year
€26k▼
2024 · €36k
Income taxes
€476
Staff costs
€4k▲
2024 · €1k
Equity ratios withheld: equity of €-120 is too small for a meaningful ratio.
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€48k€64k▲
Fixed assets21/28€47k€43k▼
Intangible fixed assets21€47k€42k▼
Financial fixed assets28-€1k
Current assets29/58€820€21k▲
Stocks and contracts in progress3-€5k
Stocks30/36-€5k
Amounts receivable within one year40/41-€4k
Trade receivables40-€2k
Other amounts receivable41-€2k
Cash at bank and in hand54/58€820€2k▲
Deferred charges and accrued income490/1-€10k
Equity and liabilities
Total equity and liabilities10/49€48k€64k▲
Equity10/15€-4k€-120▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-7k€-3k▲
Amounts payable17/49€52k€64k▲
Amounts payable after more than one year17€36k€26k▼
Financial debts170/4€36k€26k▼
Amounts payable within one year42/48€17k€38k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Financial debts43-€9k
Credit institutions430/8-€9k
Trade debts44€3k€14k▲
Suppliers440/4€3k€14k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€285€415▲
Other amounts payable47/48€184€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€1k€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8-€1k
Gross operating margin9900€278€18k▲
Operating profit (loss)9901€-4k€8k▲
Financial income75/76B€3€1▼
Recurring financial income75€3€1▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-7k€5k▲
Income taxes67/77-€476
Profit (loss) for the period9904€-7k€4k▲
Profit (loss) for the period to be appropriated9905€-7k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-3k▲
Profit (loss) brought forward from the previous period14P-€-7k
The notes to these accounts (10 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
03-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Braives · 1 establishment unit since 2024
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.
Rue Saint-Pierre 304260 BraivesGround area
1,161 m²
Building footprint
189 m²
Volume, LiDAR
1,265 m³
Parcel 64015A0906/00L000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L'ARMONY HAIR
since 20242.360.235.870
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64015A0906/00L000 | Wallonia | 1,161 m² | 1 · 189 m² | 8.7 m · 2 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.
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Geer
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 21,750 companies in sector 96210 we hold annual accounts for 2,832.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2024
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47120Other non-specialised retail sale
47750Retail sale of cosmetics and toilet articles
47910Retail trade
81300Landscape service activities
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.