Equity
-€9,822
Debts exceed assets in financial year 2025.
SMJS - Coiffure
Lifetime
5 annual accounts with figures on one time axispeak €64,372 (2025)
€64,372▲ 50.5%
lowest -€12,444 (2023)
-€3,766▲ €5,230
peak €18,724 (2021)
-€9,822▼ €3,766
€48,898▲ 4.1%
Board2 names since 2020
2 directorsMARÉCHAL Sylvia Hélène Jeannine Ghislaine and 1 other
Owners2 names in the annual accounts
via 33.33%ESB-GROUP and 1 other
Documentsfilings and deeds
23-03-2026130 days before the deadline
2025micro format
Gross margin from €42,780 to €64,372Loss of €3,766Equity from -€6,056 to -€9,822Cash from €3,184 to €5,196
Key points
from the 2025 annual accountsLosses
-€28,546 in four years
Every financial year from 2022 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €160,000 estimated
The micro format states no turnover.
Debts
€48,898 125% of the balance sheet
Suppliers 55%Taxes and wages 39%Other 5%
Of this, €46,331 falls due within a year.
Staff
2 employees on 31-12-2025
In 2025, 2 people joined and 2 left.
Position in the sector
-€9,822
Less equity than 80% of companies in personal services. Sector median €15,270 · 5,754 companies.
Checked score
53
Fair
Financially stronger than 15% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,628 companies (NACE 96, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.7%
01-2025: 1.7%● unchanged vs 12-2024
02-2025: 1.7%● unchanged vs 01-2025
03-2025: 1.7%● unchanged vs 02-2025
04-2025: 1.8%▲ +0.1 percentage points vs 03-2025
05-2025: 1.9%▲ +0.1 percentage points vs 04-2025
06-2025: 1.9%● unchanged vs 05-2025
07-2025: 2.0%▲ +0.1 percentage points vs 06-2025
08-2025: 2.7%▲ +0.7 percentage points vs 07-2025highest value
09-2025: 1.8%▼ -0.9 percentage points vs 08-2025
10-2025: 1.6%▼ -0.2 percentage points vs 09-2025
11-2025: 1.6%● unchanged vs 10-2025
12-2025: 1.6%● unchanged vs 11-2025
01-2026: 1.6%● unchanged vs 12-2025
02-2026: 1.6%● unchanged vs 01-2026
03-2026: 1.6%● unchanged vs 02-2026
04-2026: 1.5%▼ -0.1 percentage points vs 03-2026lowest value
05-2026: 1.5%● unchanged vs 04-2026
06-2026: 1.5%● unchanged vs 05-2026
07-2026: 1.5%● unchanged vs 06-2026
08-2026: 1.6%▲ +0.1 percentage points vs 07-2026
09-2026: 1.6%● unchanged vs 08-2026
10-2026: 1.7%▲ +0.1 percentage points vs 09-2026
11-2026: 1.7%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Negative equity -€9,822
Loss of €3,766, the second in a row (financial year 2025)
Founded in 2020
lowers risk
Size: total assets €39,076
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 11% of them on solvency, 14% on liquidity, 24% on profitability and 11% on growth.
The bankruptcy probability was computed on 06-11-2026 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 moderate class on 30-06-2025, 2.4% 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).
Comparable companies, two years later
In July 2024, 1,564 companies had the same profile as SMJS - Coiffure has now. Each dot stands for 4 companies, two years later.
88.9%
were still trading
5.4%
stopped another way
5.1%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SMJS - Coiffure itself: 1.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,564 companies, not a prediction for SMJS - Coiffure. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.47 (0.43 in 2024), below 1. Short-term debt is 118.6% and cash 13.3% of total assets. Equity is negative.
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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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€9,822
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 23-03-2026, 130 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
130 days early
2024
22 days late
2023
140 days early
2022
82 days early
2021
73 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 81 days 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 (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 May (4 of the last 5 accounts filed within 57 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- SEB Holding 33.33%equity €81,107 (2025) · 2025 annual accounts of SEB Holding
- ESB-GROUPequity €1.7m (2025) · 2025 annual accounts of ESB-GROUP
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0756575650
First establishment
SANKE HAIR DRESSERS, Rue de Tilff 130, Seraing
Publication in the Belgian Official Gazette
Gazette deed
Incorporation
Founders: SEB HOLDING, MARÉCHAL Sylvia Hélène Jeannine Ghislaine and SCHÖFFERS Jessica · Founding capital of €10,500, 105 shares · Appointments: MARÉCHAL Sylvia Hélène Jeannine Ghislaine (director) and SCHÖFFERS Jessica (director) · published on 16-10-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SMJS - Coiffure Seraing | €39,076 | €64,372 | -25.1% | - |
| ATELIER COSI Ans | €46,817 | €69,679 | 28.0% | - |
| CREA'TIF Stekene | €37,845 | €51,611 | 19.7% | - |
| DURO ASSOCIE Assesse | €44,227 | €63,388 | 26.4% | - |
| BO HAIR Boortmeerbeek | €41,735 | €47,971 | 4.0% | - |
| Cyriel Alveringem | €36,911 | €92,509 | -23.2% | - |
| STUDIO PAR MURIEL FALISSE Uccle | €40,369 | €67,263 | 14.7% | - |
These companies have the same main activity as SMJS - Coiffure: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €36,900 and €46,800, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 14-10-2020Normal situation
- Activity
- Hairdressing and barber servicesNACE 96210and 1 other
- Establishment unit
- 2.308.955.1384100 Seraing, since 26-11-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 27-10-2025
Annual accounts 2025
- €39,076▼ 4.5%
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 23-03-2026, 130 days before the end of the filing period
Insights on SMJS - Coiffure
SMJS - Coiffure files the micro format. That format states no turnover. The gross margin rose from €45,864 in 2021 to €64,372 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SMJS - Coiffure
- What is the company number of SMJS - Coiffure?
- The company number of SMJS - Coiffure is 0756.575.650. The VAT number is the same number with BE in front: BE 0756.575.650.
- Where is SMJS - Coiffure based?
- The registered office is at Rue de Tilff 130, 4100 Seraing.Company details
- What does SMJS - Coiffure do?
- According to the KBO register, the main activity is hairdressing and barber services (NACE 96210).
- What is the legal form of SMJS - Coiffure?
- SMJS - Coiffure is a private limited company (BV).
- When was SMJS - Coiffure founded?
- SMJS - Coiffure was founded on 14-10-2020.
- Is SMJS - Coiffure still active?
- Yes, SMJS - Coiffure is an active enterprise in the KBO register.
- How many employees does SMJS - Coiffure have?
- SMJS - Coiffure had an average of 1.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of SMJS - Coiffure?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €64,372 and 34 comparable companies (NACE 962). It probably lies between €120,000 and €180,000.
- Is SMJS - Coiffure profitable?
- In financial year 2025, SMJS - Coiffure made a loss of €3,766.
- Where can I find the annual accounts of SMJS - Coiffure?
- SMJS - Coiffure filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SMJS - Coiffure due?
- SMJS - Coiffure must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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