Colors & Cuts
ActiveColors & Cuts has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €16k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 19% of 9438 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+8
Solvency41▲+10
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.85 in 2024; short-term debt: 79.7% and cash: 0.1% of total assets), and 84.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
15.9%
Return on assets
11.1%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 9438 sector peers (2025).
NBB · sector comparisonPosition among 9438 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
28 d early
2022
9 d early
2021
51 d early
2020
22 d early
2019
42 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 229%
2024 · €7k
2018: €22k
2019: €21k
2020: €20k
2021: €18k
2022: €-2k
2023: €-971
2024: €7k
2018 → 2025
Total assets
€146k▲ 24.1%
2024 · €118k
2018: €54k
2019: €45k
2020: €34k
2021: €19k
2022: €162
2023: €65k
2024: €118k
2018 → 2025
Net result
€16k▲ 101%
2024 · €8k
2018: €-1k
2019: €-1k
2020: €-1k
2021: €-1k
2022: €-20k
2023: €568
2024: €8k
2018 → 2025
Working capital
€8k
2024 · €-16k
2018: €22k
2019: €21k
2020: €20k
2021: €18k
2022: €-1k
2023: €-15k
2024: €-16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€-2k€-971▲ 36.9%€7k€23k▲ 229%
Operating result€-1k-€-20k▼ 1,370%€1k€9k▲ 553%€20k▲ 116%
Net result€-1k-€-20k▼ 1,256%€568€8k▲ 1,311%€16k▲ 101%
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 116% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€22k▼ 20.5%
Current assets
€124k▲ 37.6%
Equity and liabilities €146k
Equity
€23k▲ 229%
Debt
€123k▲ 11.1%
The debt ratio falls from 94.0% to 84.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▲
2024 · €14k
Cash flow
€21k▲
2024 · €13k
Solvency
15.9%▲
2024 · 6.0%
Current ratio
1.07▲
2024 · 0.85
Quick ratio
0.93▲
2024 · 0.76
Debt / equity
5.30▼
2024 · 15.70
ROE
69.6%▼
2024 · 113.8%
ROA
11.1%▲
2024 · 6.8%
Interest coverage
3.01▲
2024 · 2.69
Debt
€123k▲
2024 · €111k
Debt ≤ 1 year
€116k▲
2024 · €106k
Income taxes
€2k▲
2024 · €127
Staff costs
€4k▲
2024 · €990
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€118k€146k▲
Fixed assets21/28€27k€22k▼
Tangible fixed assets22/27€23k€19k▼
Furniture and vehicles24€23k€19k▼
Financial fixed assets28€4k€3k▼
Current assets29/58€90k€124k▲
Stocks and contracts in progress3€9k€16k▲
Stocks30/36€9k€16k▲
Amounts receivable within one year40/41€80k€108k▲
Trade receivables40-€99
Other amounts receivable41€80k€108k▲
Cash at bank and in hand54/58€365€119▼
Deferred charges and accrued income490/1€796€880▲
Equity and liabilities
Total equity and liabilities10/49€118k€146k▲
Equity10/15€7k€23k▲
Contributions10/11€16k€16k=
Reserves13€2k€7k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€5k
Profit (loss) carried forward14€-11k€2▲
Amounts payable17/49€111k€123k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€106k€116k▲
Current portion of amounts payable after more than one year42€16k€4k▼
Financial debts43€6k€6k▲
Credit institutions430/8€6k€6k▲
Trade debts44€27k€29k▲
Suppliers440/4€27k€29k▲
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€52k€74k▲
Accrued charges and deferred income492/3-€6k
Income statement
Code20242025
Remuneration, social security and pensions62€990€4k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€894▼
Gross operating margin9900€17k€30k▲
Operating profit (loss)9901€9k€20k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€8k€18k▲
Income taxes67/77€127€2k▲
Profit (loss) for the period9904€8k€16k▲
Profit (loss) for the period to be appropriated9905€8k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€5k▲
Profit (loss) brought forward from the previous period14P€-19k€-11k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (6 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €16k ▲101%
Operating result €20k, net result €16k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €568
Net result €568 after 5 loss-making years.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity times 28current ratio 66.63
Current ratio from 2.42 to 66.63; short-term debt falls from €14k to €280.
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
03-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
24-03-2022
Resigned as Director
Location & real-estate footprint
Registered office, Boom · 1 establishment unit since 2022
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.
Antwerpsestraat 1222850 BoomGround area
196 m²
Building footprint
196 m²
Volume, LiDAR
1,232 m³
Parcel 11005B0375/00C000, Flanders · tallest building 11.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SDvack
since 20222.337.581.422
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11005B0375/00C000 | Flanders | 196 m² | 1 · 196 m² | 11.4 m · 1 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
2025 · 1 entry · 1,000 EUR awarded · 1,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
Schemes
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Dual-learning approval
2 live approvals · 1 endedHaarverzorging duaal (so)
Kapper (vwo)
Similar companies · same sector, comparable size
DW TEC
BE 0790.759.737
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BURO-8
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FIBESERV
BE 0478.898.601
Ans · Eq €23k
ATELIER LINÉA TECHNICS
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TERCIENCO
BE 0539.827.665
Antwerpen · Eq €23k
Of 11,555 companies in sector 71121 we hold annual accounts for 6,562. 4,173 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2008
Fiscal year end30-09
Legal name NL
SDvack
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
96021Hairdressing
96210Hairdressing and barber services
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
82990Other business support services
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.