Laurent M.
ActiveLaurent M. has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302k and a net result of €-22k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 77% of 1041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-65
Solvency90▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 2.11 in 2024; short-term debt: 31.6% and cash: 6.7% of total assets), and 35.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
20 d early
2023
8 d late
2022
24 d late
2021
31 d late
2020
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€302k▼ 8.7%
2024 · €331k
2018: €159k
2019: €224k
2020: €313k
2021: €267k
2022: €250k
2023: €288k
2024: €331k
2018 → 2025
Total assets
€468k▲ 2.2%
2024 · €458k
2018: €249k
2019: €318k
2020: €436k
2021: €432k
2022: €445k
2023: €448k
2024: €458k
2018 → 2025
Net result
€-22k
2024 · €50k
2018: €25k
2019: €66k
2020: €42k
2021: €-62k
2022: €-11k
2023: €45k
2024: €50k
2018 → 2025
Working capital
€93k▼ 20.2%
2024 · €116k
2018: €53k
2019: €75k
2020: €97k
2021: €17k
2022: €29k
2023: €76k
2024: €116k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€267k-€250k▼ 6.3%€288k▲ 15.1%€331k▲ 15.1%€302k▼ 8.7%
Operating result€-66k-€-17k▲ 74.2%€40k€59k▲ 49.7%€-27k
Net result€-62k-€-11k▲ 82.7%€45k€50k▲ 11.4%€-22k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €27k after €59k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €468k
Fixed assets
€227k▼ 4.0%
Current assets
€241k▲ 8.9%
Equity and liabilities €468k
Equity
€302k▼ 8.7%
Provisions
€9k▼ 16.2%
Debt
€157k▲ 35.2%
The debt ratio rises from 25.4% to 33.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €83k
Cash flow
€6k▼
2024 · €74k
Solvency
64.6%▼
2024 · 72.3%
Current ratio
1.63▼
2024 · 2.11
Quick ratio
0.34▼
2024 · 0.59
Debt / equity
0.52▲
2024 · 0.35
ROE
-7.3%▼
2024 · 15.2%
ROA
-4.7%▼
2024 · 11.0%
Interest coverage
0.46▼
2024 · 21.19
Debt
€157k▲
2024 · €116k
Debt ≤ 1 year
€148k▲
2024 · €105k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€313▼
2024 · €14k
Staff costs
€474k▲
2024 · €418k
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€458k€468k▲
Fixed assets21/28€237k€227k▼
Intangible fixed assets21€96k€80k▼
Tangible fixed assets22/27€141k€147k▲
Land and buildings22€104k€104k=
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€5k€10k▲
Other tangible fixed assets26€24k€27k▲
Current assets29/58€221k€241k▲
Stocks and contracts in progress3€159k€191k▲
Stocks30/36€159k€191k▲
Amounts receivable within one year40/41€563€16k▲
Trade receivables40€490€2k▲
Other amounts receivable41€73€14k▲
Cash at bank and in hand54/58€58k€31k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€458k€468k▲
Equity10/15€331k€302k▼
Contributions10/11€19k€19k=
Reserves13€271k€271k=
Distributable reserves133€271k€271k=
Profit (loss) carried forward14€0€-22k▼
Investment grants15€42k€35k▼
Provisions and deferred taxes16€10k€9k▼
Deferred taxes168€10k€9k▼
Amounts payable17/49€116k€157k▲
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€105k€148k▲
Current portion of amounts payable after more than one year42€15k€5k▼
Trade debts44€19k€39k▲
Suppliers440/4€19k€39k▲
Advances received on contracts in progress46-€500
Taxes, remuneration and social security45€41k€50k▲
Taxes450/3€35k€23k▼
Remuneration and social security454/9€6k€28k▲
Other amounts payable47/48€30k€54k▲
Accrued charges and deferred income492/3€6k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€418k€474k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€28k▲
Other operating charges640/8€505€1k▲
Gross operating margin9900€502k€477k▼
Operating profit (loss)9901€59k€-27k▼
Financial income75/76B€7k€7k▼
Recurring financial income75€7k€7k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€63k€-24k▼
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€14k€313▼
Profit (loss) for the period9904€50k€-22k▼
Profit (loss) for the period to be appropriated9905€50k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€-22k▼
Profit (loss) brought forward from the previous period14P€-600€0▲
Transfer to equity691/2€50k€0▼
To other reserves6921€50k€0▼
Social balance
Average headcount (FTE)9087-14.1
The notes to these accounts (15 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Back to profitnet €45k
Net result €45k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-62k ▼247%
Net result drops to €-62k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €66k ▲163%
Operating result €93k, net result €66k, both a record.
31-12
Financial
Equity above €200kEq €224k ▲41.4%
2 profitable years in a row build equity to €224k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
29-06
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
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, Bonheiden · 1 establishment unit since 1993
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.
Mechelsesteenweg 2862820 BonheidenGround area
996 m²
Building footprint
247 m²
Volume, LiDAR
1,545 m³
Parcel 12005D0118/00M002, Flanders · tallest building 20.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fillmaze
since 19932.062.571.772
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005D0118/00M002 | Flanders | 996 m² | 1 · 247 m² | 20.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 2,472 EUR awarded · 2,318 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,113 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 41 EUR | 0 EUR |
| 2022 | 1 | 318 EUR | 318 EUR |
Schemes
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBonheiden2.062.571.772
Dual-learning approval
3 live approvals · 4 endedHaarverzorging duaal (so)
Kapper (vwo)
Kapper-stylist duaal (so)
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Mechelen · Eq €300k
COURAGE
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TRAILER SERVICE DRIES
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Of 21,751 companies in sector 96210 we hold annual accounts for 2,831. 1,080 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-1993
Fiscal year end31-12
Trade name NL
MATTISS, Xtrahair, Fillmaze
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.