PATRICK M.
ActivePATRICK M. has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €3k. Equity is shrinking by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 4610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+3
Solvency99▲+11
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.75 against 2.54 in 2024; short-term debt: 25.9% and cash: 89.8% of total assets), and 25.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
74.1%
Return on assets
10.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €24k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
58 d early
2023
30 d early
2022
28 d early
2021
9 d late
2020
81 d early
2019
4 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▲ 15.7%
2024 · €20k
2018: €42k
2019: €42k
2020: €37k
2021: €30k
2022: €18k
2023: €18k
2024: €20k
2018 → 2025
Total assets
€32k▼ 1.4%
2024 · €32k
2018: €47k
2019: €49k
2020: €40k
2021: €37k
2022: €28k
2023: €28k
2024: €32k
2018 → 2025
Net result
€3k▲ 27.5%
2024 · €3k
2018: €415
2019: €43
2020: €-5k
2021: €-7k
2022: €-12k
2023: €-503
2024: €3k
2018 → 2025
Working capital
€23k▲ 23.5%
2024 · €18k
2018: €41k
2019: €41k
2020: €37k
2021: €28k
2022: €14k
2023: €15k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€18k▼ 39.1%€18k▼ 2.7%€20k▲ 14.0%€24k▲ 15.7%
Operating result€-7k-€-12k▼ 66.8%€-342▲ 97.1%€869€2k▲ 144%
Net result€-7k-€-12k▼ 67.0%€-503▲ 95.8%€3k€3k▲ 27.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 144% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€1k▼ 52.4%
Current assets
€31k▲ 2.1%
Equity and liabilities €32k
Equity
€24k▲ 15.7%
Debt
€8k▼ 30.8%
The debt ratio falls from 36.8% to 25.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3k▲
2024 · €2k
Cash flow
€4k▲
2024 · €4k
Solvency
74.1%▲
2024 · 63.2%
Current ratio
3.75▲
2024 · 2.54
Quick ratio
3.52▲
2024 · 2.40
Debt / equity
0.35▼
2024 · 0.58
ROE
13.6%▲
2024 · 12.3%
ROA
10.1%▲
2024 · 7.8%
Interest coverage
9.49▲
2024 · 8.88
Debt
€8k▼
2024 · €12k
Debt ≤ 1 year
€8k▼
2024 · €12k
Staff costs
€45k▲
2024 · €45k
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€32k€32k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€843€295▼
Other tangible fixed assets26€1k€712▼
Current assets29/58€30k€31k▲
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€0-
Other amounts receivable41€0-
Cash at bank and in hand54/58€28k€29k▲
Deferred charges and accrued income490/1€743€390▼
Equity and liabilities
Total equity and liabilities10/49€32k€32k▼
Equity10/15€20k€24k▲
Contributions10/11€19k€19k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-9k€-5k▲
Amounts payable17/49€12k€8k▼
Amounts payable within one year42/48€12k€8k▼
Trade debts44€2k€33▼
Suppliers440/4€2k€33▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€5k€5k▲
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€635€411▼
Income statement
Code20242025
Remuneration, social security and pensions62€45k€45k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€831€921▲
Gross operating margin9900€48k€49k▲
Operating profit (loss)9901€869€2k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€223€340▲
Recurring financial charges65€223€340▲
Profit (loss) for the period before taxes9903€3k€3k▲
Profit (loss) for the period9904€3k€3k▲
Profit (loss) for the period to be appropriated9905€3k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-5k▲
Profit (loss) brought forward from the previous period14P€-19k€-9k▲
Transfer from equity791/2€8k€0▼
The notes to these accounts (4 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €3k ▲27.5%
Operating result €2k, net result €3k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 4 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
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, Antwerpen · 1 establishment unit since 2004
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.
Dianalaan 1802600 AntwerpenGround area
209 m²
Building footprint
133 m²
Volume, LiDAR
771 m³
Parcel 11302A0070/00V019, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KAPSALON PATRICK
since 20042.142.182.345
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302A0070/00V019 | Flanders | 209 m² | 1 · 133 m² | 9.3 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.
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Of 21,750 companies in sector 96210 we hold annual accounts for 2,832. 2,345 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2004
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
93022
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.