Checked.be
Active
BE 0821.368.086Private limited company (pre-2019)
LISELORE
Mentenhoekstraat 10 ·8870 Izegem, Belgium· 16 yrs active
Sector: Hairdressing and barber services
(96210)
Conclusion
LISELORE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €551. Equity is shrinking by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €71k |
| Net result | €551 |
| Staff (FTE) | 1 |
| Better than sector | 79% |
Financial profile
65
/ 100
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Health
78
Profitability
4
Solvency
83
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2009, 16 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
78
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€6k
estimate, not credit advice
Score history
68
2023
100
2024
78
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.25 (≥ 1.0)
+5
Quick ratio
Quick ratio 1.08 (≥ 1.0)
+5
Leverage
Debt/equity 0.58 (< 1.0)
+10
Profitability
ROE 1%
+3
Interest coverage
Interest coverage 11.9× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-03-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~14.2%/year over 3 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 96, Personal service activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 63.2% | 25.9% | |
| Net result | €551 | €5k | |
| Equity | €71k | €16k | |
| Gross operating margin | €89k | €29k | |
| Staff costs | €51k | €37k |
€35k
-39.3%
23-25
€551
-97.0%
23-25
€25k
-39.0%
23-25
€112k
-11.6%
23-25
€71k
-30.4%
23-25
€7k
-66.6%
23-25
1
-9.1%
23-25
€51k
-2.3%
23-25
€7k
-51.7%
23-25
€31k
+103.1%
23-25
€41k
+64.1%
23-25
€29k
+13.4%
23-25
€13k
-
23-25
1.25
-32.7%
23-25
1.08
-35.8%
23-25
63.2%
-21.2%
23-25
0.58
+135.7%
23-25
0.8%
-95.7%
23-25
0.5%
-96.6%
23-25
11.93
-61.8%
23-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ |
|---|---|---|---|
| Deposit | micro schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - |
| EBITDA | -39.3% | +513.9% | - |
| Net profit | -97.0% | - | - |
| Cash flow | -39.0% | +499.5% | - |
| Staff costs | -2.3% | -10.7% | - |
| Income taxes | -51.7% | +613.5% | - |
| Dividends | +103.1% | - | - |
| Total assets | -11.6% | -4.6% | - |
| Equity | -30.4% | +2.8% | - |
| Debt | +64.1% | -26.2% | - |
| of which ≤ 1y | +13.4% | -26.2% | - |
| of which > 1y | - | - | - |
| Working capital | -66.6% | +204.0% | - |
| Employees (FTE) | -9.1% | -21.4% | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, abbreviated schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Current ratio | 1.25 | 1.86 | 1.21 |
| Quick ratio | 1.08 | 1.68 | 1.04 |
| Working capital ratio | 6.5% | 17.1% | 5.4% |
| Solvency | 63.2% | 80.2% | 74.4% |
| Debt / equity | 0.58 | 0.25 | 0.34 |
| Long-term debt ratio | 0.18 | - | - |
| Interest coverage | 11.93 | 31.20 | 7.67 |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 0.5% | 14.4% | -11.4% |
| ROE | 0.8% | 18.0% | -15.3% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €112k | €127k | €133k |
| Fixed assets | 21/28 | €76k | €80k | €92k |
| Intangible fixed assets | 21 | €35k | €54k | €73k |
| Tangible fixed assets | 22/27 | €37k | €21k | €14k |
| Financial fixed assets | 28 | €5k | €5k | €5k |
| Current assets | 29/58 | €36k | €47k | €41k |
| Stocks & contracts in progress | 3 | €5k | €5k | €6k |
| Amounts receivable within one year | 40/41 | €1k | €6k | €7k |
| Cash & bank | 54/58 | €26k | €32k | €24k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €112k | €127k | €133k |
| Equity | 10/15 | €71k | €102k | €99k |
| Contributions / capital | 10/11 | €19k | €19k | €19k |
| Reserves | 13 | €52k | €83k | €96k |
| Accumulated profits (losses) | 14 | €0 | €0 | €-15k |
| Amounts payable | 17/49 | €41k | €25k | €34k |
| Amounts payable after one year | 17 | €13k | - | - |
| Amounts payable within one year | 42/48 | €29k | €25k | €34k |
| Trade debts payable within one year | 44 | €9k | €7k | €3k |
| Income statement | ||||
| Gross operating margin | 9900 | €89k | €112k | €70k |
| Operating result | 9901 | €10k | €35k | €-13k |
| Financial income | 75 | €243 | €217 | €791 |
| Financial charges | 65 | €3k | €2k | €1k |
| Result before taxes | 9903 | €8k | €33k | €-13k |
| Income taxes | 67/77 | €7k | €15k | €2k |
| Net result for the period | 9904 | €551 | €18k | €-15k |
| Result to be appropriated | 9905 | €551 | €18k | €-15k |
Legal Structure
| NACE primary | Hairdressing and barber services(96210) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 26-11-2009 |
| Status | Active |
| Postal code | 8870 |
Establishment units
"Kreatos"
since 20102.186.910.332
Real-estate footprint
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D0182/00V000 | Flanders | 516 m² | 1 · 116 m² | 10.9 m · 2 fl. |
| 44502C0001/00Z000 | Flanders | 265 m² | 1 · 149 m² | 15.3 m · 4 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
30-09
Financial
Equity above €100kEq €102k ▲2.8%
Equity rises from €99k to €102k.
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Hairdressing96021Hairdressing and barber services96210Buying and selling of own real estate68110Business and other management consultancy70200Activities of head offices; management consultancy activities70210Business consulting70220Public relations and communication consultancy73300Office administrative and support services82100Office administrative, office support and other business support activities82110Other business support services82990
Names & trade names
| Legal nameNL | LISELORE |
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