NAAJM
ActiveSummary
For NAAJM, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €32,988 and a net result of €1,682. Equity is growing by ~54.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 5145 sector peers (fiscal year 2022). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability48▼-52
Solvency100=
Growth35▼-17
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2022Solvency, return and age of the figures
Solvency
80.2%
Return on assets
4.1%
Age of the figures
45 mo
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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline30-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 28-08-2023, 28 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
not confirmed
2024
not filed
2023
not filed
2022
28 d late
2021
23 d early
2020
61 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 32 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2022, micro schema
Turnover
€26,717▼ 9.0%
2020 · €29,363
EBIT margin
63.2%▲ 49.9pp
2020 · 13.2%
Net result
€1,682▼ 90.2%
2021 · €17,206
Working capital
€32,988▲ 5.4%
2021 · €31,307
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202020212022
Turnover€72,725€29,363▼ 59.6%€26,717▼ 9.0%
Operating result€2,956-€2,573▼ 12.9%€3,884▲ 51.0%€16,879▲ 335%€47▼ 99.7%
Net result€3,269-€1,666▼ 49.0%€5,474within the sector's middle half▲ 229%€17,206above the sector's middle half▲ 214%€1,682within the sector's middle half▼ 90.2%
EBIT margin3.5%13.2%▲ 9.7pp63.2%▲ 49.9pp
Equity€6,961-€8,626▲ 23.9%€14,100within the sector's middle half▲ 63.5%€31,307within the sector's middle half▲ 122%€32,988within the sector's middle half▲ 5.4%
Total assets€15,598-€29,751▲ 90.7%€42,137within the sector's middle half▲ 41.6%€40,411within the sector's middle half▼ 4.1%€41,140within the sector's middle half▲ 1.8%
Debt€8,637-€21,124▲ 145%€28,036▲ 32.7%€9,104▼ 67.5%€8,152▼ 10.5%
Working capital€6,598-€8,263▲ 25.2%€13,737within the sector's middle half▲ 66.3%€31,307above the sector's middle half▲ 128%€32,988above the sector's middle half▲ 5.4%
Solvency44.6%-29.0%▼ 15.6pp33.5%within the sector's middle half▲ 4.5pp77.5%above the sector's middle half▲ 44.0pp80.2%above the sector's middle half▲ 2.7pp
Current ratio1.76-1.39▼ 0.371.49within the sector's middle half▲ 0.104.44above the sector's middle half▲ 2.955.05above the sector's middle half▲ 0.61
Return on assets (ROA)21.0%-5.6%▼ 15.4pp13.0%within the sector's middle half▲ 7.4pp42.6%above the sector's middle half▲ 29.6pp4.1%within the sector's middle half▼ 38.5pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
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 2022; 2022 is 100% below 2021 and is the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Equity and liabilities €41,140
Equity
€32,988 ▲ 5.4%
Debt
€8,152 ▼ 10.5%
Debt's share of the balance-sheet total falls from 22.5% to 19.8%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.25▼
2021 · 0.29
ROE
5.1%▼
2021 · 55.0%
Debt ≤ 1 year
€8,152▼
2021 · €9,104
Income taxes
€277▼
2021 · €2,142
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | €72,725 | €29,363 | €26,717 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €22,513 | - | - |
| Other operating charges640/8 | - | - | - | €426 | €561 | ▲ 31.8% |
| Non-recurring operating charges66A | - | - | - | - | €530 | - |
| Gross operating margin9900 | €3,307 | €2,920 | €4,852 | €17,305 | €1,138 | ▼ 93.4% |
| Operating profit (loss)9901 | €2,956 | €2,573 | €3,884 | €16,879 | €47 | ▼ 99.7% |
| Financial income75/76B | - | - | - | €2,696 | €2,103 | ▼ 22.0% |
| Recurring financial income75 | €886 | €1,785 | €2,905 | €2,696 | €2,103 | ▼ 22.0% |
| Financial charges65/66B | - | - | - | €227 | €191 | ▼ 15.6% |
| Recurring financial charges65 | €191 | €2,692 | €349 | €227 | €191 | ▼ 15.6% |
| Profit (loss) for the period before taxes9903 | €3,651 | €1,666 | €6,440 | €19,348 | €1,958 | ▼ 89.9% |
| Income taxes67/77 | €382 | - | €966 | €2,142 | €277 | ▼ 87.1% |
| Profit (loss) for the period9904 | €3,269 | €1,666 | €5,474 | €17,206 | €1,682 | ▼ 90.2% |
| Profit (loss) for the period to be appropriated9905 | €3,269 | €1,666 | €5,474 | €17,206 | €1,682 | ▼ 90.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €15,598 | €29,751 | €42,137 | €40,411 | €41,140 | ▲ 1.8% |
| Fixed assets21/28 | €363 | €363 | €363 | - | - | - |
| Financial fixed assets28 | €363 | €363 | €363 | - | - | - |
| Current assets29/58 | €15,235 | €29,388 | €41,774 | €40,411 | €41,140 | ▲ 1.8% |
| Amounts receivable within one year40/41 | €15,135 | €29,261 | €41,503 | €39,837 | €39,682 | ▼ 0.4% |
| Trade receivables40 | - | - | - | €3,206 | €640 | ▼ 80.0% |
| Other amounts receivable41 | - | - | - | €36,631 | €39,042 | ▲ 6.6% |
| Cash at bank and in hand54/58 | €99 | €127 | €271 | €574 | €1,319 | ▲ 130% |
| Deferred charges and accrued income490/1 | - | - | - | - | €139 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €15,598 | €29,751 | €42,137 | €40,411 | €41,140 | ▲ 1.8% |
| Equity10/15 | €6,961 | €8,626 | €14,100 | €31,307 | €32,988 | ▲ 5.4% |
| Contributions10/11 | €18,600 | €18,600 | - | €18,600 | €18,600 | = |
| Reserves13 | €212 | €212 | €212 | €212 | €212 | = |
| Non-distributable reserves130/1 | - | - | - | €212 | €212 | = |
| Reserves not available under the articles1311 | - | - | - | €212 | €212 | = |
| Profit (loss) carried forward14 | -€11,852 | -€10,186 | -€4,712 | €12,494 | €14,176 | ▲ 13.5% |
| Amounts payable17/49 | €8,637 | €21,124 | €28,036 | €9,104 | €8,152 | ▼ 10.5% |
| Amounts payable within one year42/48 | €8,637 | €21,124 | €28,036 | €9,104 | €8,152 | ▼ 10.5% |
| Trade debts44 | €4,882 | €11,505 | €10,705 | €3,025 | €1,108 | ▼ 63.4% |
| Suppliers440/4 | - | - | - | €3,025 | €1,108 | ▼ 63.4% |
| Taxes, remuneration and social security45 | - | - | - | €6,079 | €7,044 | ▲ 15.9% |
| Taxes450/3 | - | - | - | €6,079 | €7,044 | ▲ 15.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,269 | €1,666 | €5,474 | €17,206 | €1,682 | ▼ 90.2% |
| Operating cash flow (approximation) | €3,269 | €1,666 | €5,474 | €17,206 | €1,682 | ▼ 90.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €27 | €144 | €303 | €746 | ▲ 146% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
12-08
State Gazette act
Appointment: MIRAD Abdelhamid (director)Resignation: DJELILATE Miloud (director) · Director discharge4 facts ▸
State Gazette act
Appointment: MIRAD Abdelhamid (director)
Resignation: DJELILATE Miloud (director) · Director discharge4 facts ▸
- General meeting, 07-05-2026
- Director appointment, MIRAD Abdelhamid (director)
- Director resignation, DJELILATE Miloud (director)
- Director discharge, DJELILATE Miloud (director)
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €17,206 ▲214%
Operating result €16,879, net result €17,206, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.44
Current ratio from 1.49 to 4.44; short-term debt falls from €28,036 to €9,104.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Weakest financial yearnet €1,666 ▼49%
Net result drops to €1,666, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 66 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
2014
30-08
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 20 acts read
About the unread acts
Of the 20 Belgian State Gazette acts we know for this company, 1 has been read. The other 19 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
MIRAD Abdelhamid
CurrentDirector · since 07-05-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
19 of this company's 20 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2009
Ground area
198 m²
Building footprint
48 m²
Volume, LiDAR
631 m³
Parcel 53403E0645/00F000, Wallonia · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Petite Guirlande 24, 7000 Mons
since 20092.181.400.930
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403E0645/00F000 | Wallonia | 198 m² | 1 · 48 m² | 14.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| MIRAD Abdelhamid |
|
| DJELILATE Miloud |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Of 21,732 companies in sector 96210 we hold annual accounts for 2,835. 2,268 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0878480795
Also
9925:BE0878480795
Registered
16-07-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.