STANDAERT ANN
ActiveSTANDAERT ANN has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €-19k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 44% of 4604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+9
Solvency45▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.08 in 2024; short-term debt: 38.3% of total assets), and 79.6% 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+raises 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
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 2025Solvency, return and age of the figures
Solvency
20.4%
Return on assets
-3.2%
Age of the figures
9 mo
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 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-19k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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
3 d late
2024
28 d late
2023
30 d late
2022
42 d early
2021
4 d late
2020
40 d early
2019
28 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€118k▼ 13.7%
2024 · €137k
2018: €115k
2019: €81k
2020: €85k
2021: €91k
2022: €145k
2023: €158k
2024: €137k
2018 → 2025
Total assets
€580k=
2024 · €580k
2018: €526k
2019: €692k
2020: €664k
2021: €652k
2022: €629k
2023: €603k
2024: €580k
2018 → 2025
Net result
€-19k▲ 10.2%
2024 · €-21k
2018: €-37k
2019: €-33k
2020: €3k
2021: €7k
2022: €55k
2023: €14k
2024: €-21k
2018 → 2025
Working capital
€-205k▼ 30.6%
2024 · €-157k
2018: €-177k
2019: €-253k
2020: €-239k
2021: €-222k
2022: €-154k
2023: €-141k
2024: €-157k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€145k▲ 59.5%€158k▲ 8.9%€137k▼ 13.2%€118k▼ 13.7%
Operating result€10k-€70k▲ 589%€26k▼ 62.1%€-16k€-15k▲ 8.1%
Net result€7k-€55k▲ 704%€14k▼ 74.7%€-21k€-19k▲ 10.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €16k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €580k
Fixed assets
€563k▼ 0.4%
Current assets
€17k▲ 16.6%
Equity and liabilities €580k
Equity
€118k▼ 13.7%
Provisions
€12k▼ 4.5%
Debt
€449k▲ 4.5%
The debt ratio rises from 74.1% to 77.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€14k▲
2024 · €11k
Cash flow
€10k▲
2024 · €6k
Solvency
20.4%▼
2024 · 23.6%
Current ratio
0.08▼
2024 · 0.08
Quick ratio
0.08▼
2024 · 0.08
Debt / equity
3.80▲
2024 · 3.14
ROE
-15.8%▼
2024 · -15.2%
ROA
-3.2%▲
2024 · -3.6%
Interest coverage
3.15▲
2024 · 2.13
Debt
€449k▲
2024 · €430k
Debt ≤ 1 year
€222k▲
2024 · €172k
Debt > 1 year
€224k▼
2024 · €255k
Income taxes
€229▲
2024 · €229
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€580k€580k=
Fixed assets21/28€565k€563k▼
Tangible fixed assets22/27€565k€563k▼
Land and buildings22€556k€556k=
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€14k€17k▲
Amounts receivable within one year40/41€4k€795▼
Trade receivables40-€795
Other amounts receivable41€4k-
Current investments50/53-€11k
Cash at bank and in hand54/58€8k-
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€580k€580k=
Equity10/15€137k€118k▼
Contributions10/11€19k€19k=
Reserves13€135k€133k▼
Tax-exempt reserves132€52k€50k▼
Distributable reserves133€83k€83k=
Profit (loss) carried forward14€-17k€-33k▼
Provisions and deferred taxes16€13k€12k▼
Deferred taxes168€13k€12k▼
Amounts payable17/49€430k€449k▲
Amounts payable after more than one year17€255k€224k▼
Financial debts170/4€255k€224k▼
Amounts payable within one year42/48€172k€222k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€677€952▲
Taxes450/3€677€952▲
Other amounts payable47/48€150k€203k▲
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€16k€19k▲
Operating profit (loss)9901€-16k€-15k▲
Financial income75/76B€7-
Recurring financial income75€7-
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-21k€-19k▲
Transfer from deferred taxes780€589€589=
Income taxes67/77€229€229▲
Profit (loss) for the period9904€-21k€-19k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€-18k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-33k▼
Profit (loss) brought forward from the previous period14P€2k€-17k▼
The notes to these accounts (7 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €158k ▲8.9%
4 profitable years in a row build equity to €158k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €55k ▲704%
Operating result €70k, net result €55k, both a record.
31-12
Financial
Equity above €100kEq €145k ▲59.5%
3 profitable years in a row build equity to €145k.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Lievegem · 1 establishment unit since 2007
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.
Tennisstraat 169920 LievegemGround area
642 m²
Building footprint
100 m²
Volume, LiDAR
509 m³
Parcel 44452B0806/00K016, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Standaert Ann
since 20072.164.126.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44452B0806/00K016 | Flanders | 642 m² | 1 · 100 m² | 7.6 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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CHATHO
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MOYART
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Beauty Calumma
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JustBeGest
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PODOLYMPIA
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Of 24,863 companies in sector 96220 we hold annual accounts for 1,443. 976 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-1991
Fiscal year end31-12
Activities, NACEBEL
93022
96022Beauty treatment
96220Beauty care and other beauty treatments
68201Renting and operating of own or leased residential real estate, excluding social housing
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.