SVP Experts
ActiveSVP Experts has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €-34k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 62% of 1043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-4
Solvency72▲+1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.67 in 2024; short-term debt: 43.7% and cash: 11.9% of total assets), and 53.4% 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
46.6%
Return on assets
-19%
Age of the figures
12 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 €-34k
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 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
34 d early
2023
33 d early
2022
41 d early
2021
40 d early
2020
31 d early
2019
38 d early
← 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
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€84k▼ 29.0%
2024 · €119k
2018: €94k
2019: €140k
2020: €150k
2021: €151k
2022: €151k
2023: €149k
2024: €119k
2018 → 2025
Total assets
€181k▼ 29.3%
2024 · €256k
2018: €165k
2019: €176k
2020: €193k
2021: €200k
2022: €197k
2023: €220k
2024: €256k
2018 → 2025
Net result
€-34k▼ 14.8%
2024 · €-30k
2018: €13k
2019: €46k
2020: €11k
2021: €2k
2022: €1k
2023: €-2k
2024: €-30k
2018 → 2025
Working capital
€-34k▼ 24.9%
2024 · €-27k
2018: €-55k
2019: €-24k
2020: €-20k
2021: €-21k
2022: €-21k
2023: €-26k
2024: €-27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€151k-€151k▼ 0.3%€149k▼ 1.1%€119k▼ 20.2%€84k▼ 29.0%
Operating result€4k-€3k▼ 13.3%€-194€-27k▼ 13,569%€-32k▼ 20.3%
Net result€2k-€1k▼ 30.9%€-2k€-30k▼ 1,751%€-34k▼ 14.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €32k in 2025 against €27k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181k
Fixed assets
€136k▼ 32.1%
Current assets
€45k▼ 19.2%
Equity and liabilities €181k
Equity
€84k▼ 29.0%
Debt
€97k▼ 29.6%
The debt ratio falls from 53.6% to 53.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€35k▼
2024 · €38k
Cash flow
€33k▼
2024 · €34k
Solvency
46.6%▲
2024 · 46.4%
Current ratio
0.57▼
2024 · 0.67
Quick ratio
0.41▼
2024 · 0.52
Debt / equity
1.15▼
2024 · 1.16
ROE
-40.8%▼
2024 · -25.2%
ROA
-19.0%▼
2024 · -11.7%
Interest coverage
14.00▲
2024 · 11.04
Debt
€97k▼
2024 · €137k
Debt ≤ 1 year
€79k▼
2024 · €83k
Debt > 1 year
€17k▼
2024 · €54k
Income taxes
€133▲
2024 · €129
Staff costs
€134k▲
2024 · €126k
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€256k€181k▼
Fixed assets21/28€201k€136k▼
Intangible fixed assets21€134k€102k▼
Tangible fixed assets22/27€62k€29k▼
Plant, machinery and equipment23€968€3k▲
Furniture and vehicles24€36k€26k▼
Other tangible fixed assets26€25k€401▼
Financial fixed assets28€5k€5k=
Current assets29/58€56k€45k▼
Stocks and contracts in progress3€12k€13k▲
Stocks30/36€12k€13k▲
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€1k€4k▲
Other amounts receivable41€3k€3▼
Cash at bank and in hand54/58€37k€22k▼
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€256k€181k▼
Equity10/15€119k€84k▼
Contributions10/11€12k€12k=
Reserves13€137k€137k=
Distributable reserves133€137k€137k=
Profit (loss) carried forward14€-30k€-65k▼
Amounts payable17/49€137k€97k▼
Amounts payable after more than one year17€54k€17k▼
Financial debts170/4€54k€17k▼
Amounts payable within one year42/48€83k€79k▼
Current portion of amounts payable after more than one year42€39k€37k▼
Trade debts44€8k€13k▲
Suppliers440/4€8k€13k▲
Taxes, remuneration and social security45€33k€26k▼
Taxes450/3€9k€8k▼
Remuneration and social security454/9€23k€17k▼
Other amounts payable47/48€4k€4k▼
Accrued charges and deferred income492/3€728€703▼
Income statement
Code20242025
Remuneration, social security and pensions62€126k€134k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€67k▲
Other operating charges640/8€663€411▼
Gross operating margin9900€164k€170k▲
Operating profit (loss)9901€-27k€-32k▼
Financial income75/76B€81€157▲
Recurring financial income75€81€157▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-30k€-34k▼
Income taxes67/77€129€133▲
Profit (loss) for the period9904€-30k€-34k▼
Profit (loss) for the period to be appropriated9905€-30k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-65k▼
Profit (loss) brought forward from the previous period14P-€-30k
Social balance
Average headcount (FTE)90873.33.6▲
The notes to these accounts (15 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €150kEq €150k ▲7.5%
3 profitable years in a row build equity to €150k.
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Highest result since 2018net €46k ▲246%
Operating result €25k, net result €46k, both a record.
30-09
Financial
Equity above €100kEq €140k ▲48.6%
2 profitable years in a row build equity to €140k.
09-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dendermonde · 1 establishment unit since 2012
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.
Melkerijstraat(GRE) 69200 DendermondeGround area
496 m²
Building footprint
429 m²
Volume, LiDAR
3,115 m³
2 parcels, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HAIRSTYLE VP
since 20122.215.364.489
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006C0440/00E000 | Flanders | 341 m² | 1 · 339 m² | 10.2 m · 3 fl. |
| 42007A0792/00P002 | Flanders | 155 m² | 1 · 90 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2024 to 2025 · 2 entries · 3,000 EUR awarded · 3,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
Schemes
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Dual-learning approval
3 live approvals · 1 endedHaarverzorging duaal (so)
Kapper (vwo)
Kapper-stylist duaal (so)
Similar companies · same sector, comparable size
Enjoy Hair
BE 0702.863.087
Oostende · Eq €85k
HB Créations
BE 0506.836.282
Schaarbeek · Eq €85k
LANSO
BE 0860.794.925
Stabroek · Eq €85k
L CLASSE
BE 0778.512.694
Dilbeek · Eq €84k
Maison Thonnon
BE 0423.836.550
Waremme · Eq €85k
Of 21,750 companies in sector 96210 we hold annual accounts for 2,833. 1,862 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2012
Fiscal year end30-09
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.