LAIF
ActiveLAIF has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €17k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 82% of 4544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+42
Solvency67▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.16 in 2024), and 29.6% 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
70.4%
Return on assets
11.6%
Age of the figures
8 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 30-08-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
26 d late
2019
141 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€135k
EBIT margin
-5.9%
Net result
€17k▲ 144%
2024 · €7k
2018: €-9k
2019: €7k
2020: €11k
2021: €7k
2022: €3k
2023: €-2k
2024: €7k
2018 → 2025
Working capital
€-27k▲ 41.5%
2024 · €-46k
2018: €32k
2019: €-24k
2020: €-11k
2021: €-15k
2022: €-33k
2023: €-53k
2024: €-46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€79k▲ 3.5%€77k▼ 2.5%€84k▲ 8.8%€101k▲ 19.8%
Operating result€10k-€4k▼ 56.2%€-1k€10k€24k▲ 146%
Net result€7k-€3k▼ 59.4%€-2k€7k€17k▲ 144%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 146% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€128k▼ 1.5%
Current assets
€15k▲ 66.7%
Equity and liabilities €143k
Equity
€101k▲ 19.8%
Debt
€42k▼ 22.9%
The debt ratio falls from 39.6% to 29.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€25k▲
2024 · €10k
Cash flow
€17k▲
2024 · €7k
Solvency
70.4%▲
2024 · 60.4%
Current ratio
0.36▲
2024 · 0.16
Quick ratio
0.31▲
2024 · 0.12
Debt / equity
0.42▼
2024 · 0.65
ROE
16.5%▲
2024 · 8.1%
ROA
11.6%▲
2024 · 4.9%
Interest coverage
26.92▲
2024 · 16.84
Debt
€42k▼
2024 · €55k
Debt ≤ 1 year
€42k▼
2024 · €55k
Income taxes
€6k▲
2024 · €2k
Staff costs
€13k▼
2024 · €16k
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€139k€143k▲
Fixed assets21/28€130k€128k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€4k€3k▼
Financial fixed assets28€126k€125k▼
Current assets29/58€9k€15k▲
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€2k€2k▲
Trade receivables40-€6
Other amounts receivable41€2k€2k=
Cash at bank and in hand54/58€4k€10k▲
Deferred charges and accrued income490/1€796€1k▲
Equity and liabilities
Total equity and liabilities10/49€139k€143k▲
Equity10/15€84k€101k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€62k€79k▲
Amounts payable17/49€55k€42k▼
Amounts payable within one year42/48€55k€42k▼
Current portion of amounts payable after more than one year42€5k-
Trade debts44€7k€2k▼
Suppliers440/4€592€2k▲
Bills of exchange payable441€6k-
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€6k€13k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€35k€25k▼
Accrued charges and deferred income492/3-€492
Income statement
Code20242025
Remuneration, social security and pensions62€16k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€520€579▲
Other operating charges640/8€312€4k▲
Gross operating margin9900€26k€41k▲
Operating profit (loss)9901€10k€24k▲
Financial income75/76B€12€11▼
Recurring financial income75€12€11▼
Financial charges65/66B€609€913▲
Recurring financial charges65€609€913▲
Profit (loss) for the period before taxes9903€9k€23k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€7k€17k▲
Profit (loss) for the period to be appropriated9905€7k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€79k▲
Profit (loss) brought forward from the previous period14P€55k€62k▲
The notes to these accounts (6 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2018net €17k ▲144%
Operating result €24k, net result €17k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲19.8%
2 profitable years in a row build equity to €101k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 141 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 21 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Mevrouw PHANVINAKUL Chailai
CurrentNon-statutory director · since 22-12-2023
22-12-2023
Resigned as Manager
22-12-2023
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Ternat · 1 establishment unit since 2008
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.
Statiestraat 811740 TernatGround area
220 m²
Building footprint
191 m²
Volume, LiDAR
1,772 m³
Parcel 23086A0365/00N002, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LAIF
since 20082.169.740.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086A0365/00N002 | Flanders | 220 m² | 1 · 191 m² | 14.0 m · 3 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.
Recognitions · licences · registrations
Dual-learning approval
1 live approvalKapper-stylist duaal (so)
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Of 21,678 companies in sector 96210 we hold annual accounts for 2,807. 1,753 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2008
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.