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NICAJ

Active
Private limited companyfounded 2018active for 7 yearsRue de Gozée 551, 6110 Montigny-le-Tilleul, BelgiumKBO/BCE: BE 0715.820.012
Summary

NICAJ has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18,389 and a net result of -€8,537. Equity grew by about 24% per year on average since 2020. In 2025 it fell by 31.7%. Its solvency ranks better than 59% of 5,729 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Overview

Official details

Source: KBO
Status
Active since 14-12-2018 Normal situation
Activity
Hairdressing and barber services NACE 96210and 1 other
Establishment units
2.285.642.672 1325 Chaumont-Gistoux, since 01-01-2019
2.285.642.771 since 01-01-2019
Financial year end
31 December
Peppol
Reachable since 29-07-2025

Board and ownership

Board
  • Ciarro’s GroupDirector · since 25-10-2024 · permanent representative CIARROCCHI Kévin
Shareholders

Financial position

65 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.1%
Annual accounts 2025
Turnover
€211,233
Loss
€8,537
Equity
€18,389
Total assets
€48,389
Employees on 31-12-2025
3
Score breakdownraises riskLoss of €8,537, the second in a row (financial year 2025)Size: turnover €211,233, total assets €48,389lowers riskLiquidity: current ratio 0.84, cash €11,802Figures for financial year 2025 (filed on 15-04-2026)Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 41% of micro companies in personal services (NACE 96)
Financial strength · tick: 2024
Weak
Solvency 63-33
equity 38.0% of total assets
Liquidity 48-8
short-term debt 62.0% · cash 24.4%
Profitability 18-46
return on assets -17.6%
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,627 companies, NACE 96, micro)
Last 24 months 12-2024: 1.9% 01-2025: 1.9%● unchanged vs 12-2024 02-2025: 2.2%▲ +0.3 percentage points vs 01-2025highest value 03-2025: 1.9%▼ -0.3 percentage points vs 02-2025 04-2025: 1.9%● unchanged vs 03-2025 05-2025: 1.6%▼ -0.3 percentage points vs 04-2025 06-2025: 1.6%● unchanged vs 05-2025 07-2025: 1.6%● unchanged vs 06-2025 08-2025: 1.6%● unchanged vs 07-2025 09-2025: 1.6%● unchanged vs 08-2025 10-2025: 1.6%● unchanged vs 09-2025 11-2025: 1.6%● unchanged vs 10-2025 12-2025: 1.7%▲ +0.1 percentage points vs 11-2025 01-2026: 1.7%● unchanged vs 12-2025 02-2026: 2.0%▲ +0.3 percentage points vs 01-2026 03-2026: 2.0%● unchanged vs 02-2026 04-2026: 2.0%● unchanged vs 03-2026 05-2026: 2.0%● unchanged vs 04-2026 06-2026: 2.0%● unchanged vs 05-2026 07-2026: 2.0%● unchanged vs 06-2026 08-2026: 2.0%● unchanged vs 07-2026 09-2026: 2.0%● unchanged vs 08-2026 10-2026: 1.1%▼ -0.9 percentage points vs 09-2026lowest value 11-2026: 1.1%● unchanged vs 10-2026lowest value
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.84 (0.58 in 2024), below 1. Short-term debt is 62% and cash 24.4% of total assets. 62% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 59% of them on solvency, 41% on liquidity and 23% on profitability.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Loss of €8,537, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.84, cash €11,802
NBB · annual accounts
raises risk · Size: turnover €211,233, total assets €48,389
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 15-04-2026)
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
202122232425
2020 to 2025 · latest year -€8,537
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 13-04-2026, 109 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
109 days early
2024
1 day early
2023
30 days late
2022
31 days late
2021
31 days late
2020
10 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 1 day before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 84% of companies in personal servicessector median €2,801 · 5,736 companies -€8,537 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€8,537 View

Recent changes

  1. · Gazette deed Registered office moved from Grez-Doiceau to Montigny-le-TilleulNew registered office: rue de Gozée, 551 6110 Montigny-le-Tilleul · Previous registered office: Clos du Diable Vert, 50 1390 Grez-Doiceau · Resignations: Nicolas WILLEMYNS (manager) and Caroline LEBRUN (manager)
  2. · Gazette deed Incorporation
All 11 events

Comparable companies

These companies have the same main activity as NICAJ: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €45,400 and €78,100, founded between 2017 and 2021.

CompanyTotal assetsGross margin
NICAJ Montigny-le-Tilleul€48,389€102,529
Hair-ID Ravels€55,821€84,157
ANNELEEN Brecht€45,360€122,625
Coiffure Zanotti Fabio Gerpinnes€73,793€108,113
DS COIFF Beloeil€48,984€75,204
BIO'TY ATTITUDE Châtelet€74,661€133,074
# NOEMIE B Les Bons Villers€78,137€100,844
Full comparison

Key facts about NICAJ

What is the company number of NICAJ?
The company number of NICAJ is 0715.820.012. The VAT number is the same number with BE in front: BE 0715.820.012.
Where is NICAJ based?
The registered office is at Rue de Gozée 551, 6110 Montigny-le-Tilleul.Company details
What does NICAJ do?
According to the KBO register, the main activity is hairdressing and barber services (NACE 96210).
What is the legal form of NICAJ?
NICAJ is a private limited company (BV).
When was NICAJ founded?
NICAJ was founded on 14-12-2018.
Is NICAJ still active?
Yes, NICAJ is an active enterprise in the KBO register.
How many employees does NICAJ have?
NICAJ had an average of 1.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of NICAJ?
The turnover of NICAJ was €211,233 in financial year 2025, according to the filed annual accounts.
Is NICAJ profitable?
In financial year 2025, NICAJ made a loss of €8,537.
Where can I find the annual accounts of NICAJ?
NICAJ filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.

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