Tembo
ActiveSummary
Tembo has been active since 1966 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€109,692) and a net result of -€19,748. Equity is shrinking by ~38% per year across the filed fiscal years. Its solvency ranks better than 5% of 6159 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.04 against 0.04 in 2023; short-term debt: 875.2% and cash: 35.2% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-775.2%
Return on assets
-139.6%
Age of the figures
21 mo
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€109,692
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
150 d late
2022
6 d early
2021
1 d late
2020
12 d late
2019
87 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 51 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
In the rankings
#3 oldest company in Limburg, Personal services sector
Turnover
€54,066
EBIT margin
-11.7%
Net result
-€19,748▲ 23.3%
2023 · -€25,738
Working capital
-€118,866▼ 19.3%
2023 · -€99,615
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€54,066
Operating result-€48,342-€42,840▲ 11.4%-€6,314▲ 85.3%-€25,540▼ 305%-€19,430▲ 23.9%
Net result-€36,770below the sector's middle half-€37,439below the sector's middle half▼ 1.8%-€6,467below the sector's middle half▲ 82.7%-€25,738below the sector's middle half▼ 298%-€19,748below the sector's middle half▲ 23.3%
EBIT margin-11.7%
Equity-€20,301below the sector's middle half-€57,739below the sector's middle half▼ 184%-€64,206below the sector's middle half▼ 11.2%-€89,944below the sector's middle half▼ 40.1%-€109,692below the sector's middle half▼ 22.0%
Total assets€25,060within the sector's middle half▼ 19.2%€11,066below the sector's middle half▼ 55.8%€12,645below the sector's middle half▲ 14.3%€14,043below the sector's middle half▲ 11.0%€14,150below the sector's middle half▲ 0.8%
Debt€45,361▲ 212%€68,806▲ 51.7%€76,851▲ 11.7%€103,987▲ 35.3%€123,842▲ 19.1%
Working capital-€43,065▼ 299%-€66,404▼ 54.2%-€72,871▼ 9.7%-€99,615▼ 36.7%-€118,866▼ 19.3%
Solvency-81.0%below the sector's middle half▼ 134.1pp-521.8%below the sector's middle half▼ 440.7pp-507.7%below the sector's middle half▲ 14.0pp-640.5%below the sector's middle half▼ 132.8pp-775.2%below the sector's middle half▼ 134.7pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
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 €19,430 in 2024 against €25,540 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €14,150
Fixed assets
€9,174 ▼ 5.1%
Current assets
€4,976 ▲ 13.8%
Key figures and ratios
EBITDA
-€18,934▲
2023 · -€25,055
Cash flow
-€19,251▲
2023 · -€25,253
Current ratio
0.04▼
2023 · 0.04
Debt to equity
-1.13▲
2023 · -1.16
ROA
-139.6%▲
2023 · -183.3%
Interest coverage
-59.01▲
2023 · -126.24
Debt ≤ 1 year
€123,842▲
2023 · €103,987
Staff costs
€1,846▲
2023 · €537
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €54,066 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €59,593 | - | - | - |
| Remuneration, social security and pensions62 | - | €7,805 | - | €537 | €1,846 | ▲ 244% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,511 | €14,099 | - | €485 | €497 | ▲ 2.5% |
| Other operating charges640/8 | - | €1,670 | €786 | €783 | €1,834 | ▲ 134% |
| Gross operating margin9900 | -€42,599 | -€19,267 | -€5,527 | -€23,735 | -€15,254 | ▲ 35.7% |
| Operating profit (loss)9901 | -€48,342 | -€42,840 | -€6,314 | -€25,540 | -€19,430 | ▲ 23.9% |
| Financial income75/76B | - | €5,554 | - | - | €3 | - |
| Recurring financial income75 | - | €0 | - | - | €3 | - |
| Non-recurring financial income76B | - | €5,554 | - | - | - | - |
| Financial charges65/66B | - | €153 | €153 | €198 | €321 | ▲ 61.7% |
| Recurring financial charges65 | €188 | €153 | €153 | €198 | €321 | ▲ 61.7% |
| Profit (loss) for the period before taxes9903 | -€36,770 | -€37,439 | -€6,467 | -€25,738 | -€19,748 | ▲ 23.3% |
| Profit (loss) for the period9904 | -€36,770 | -€37,439 | -€6,467 | -€25,738 | -€19,748 | ▲ 23.3% |
| Profit (loss) for the period to be appropriated9905 | -€36,770 | -€37,439 | -€6,467 | -€25,738 | -€19,748 | ▲ 23.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25,060 | €11,066 | €12,645 | €14,043 | €14,150 | ▲ 0.8% |
| Fixed assets21/28 | €22,764 | €8,665 | €8,665 | €9,671 | €9,174 | ▼ 5.1% |
| Tangible fixed assets22/27 | €14,099 | - | - | €1,006 | €509 | ▼ 49.4% |
| Furniture and vehicles24 | - | - | - | €1,006 | €509 | ▼ 49.4% |
| Financial fixed assets28 | €8,665 | €8,665 | €8,665 | €8,665 | €8,665 | = |
| Current assets29/58 | €2,296 | €2,402 | €3,981 | €4,372 | €4,976 | ▲ 13.8% |
| Amounts receivable within one year40/41 | - | - | - | €299 | - | - |
| Trade receivables40 | - | - | - | €299 | - | - |
| Cash at bank and in hand54/58 | €2,296 | €2,402 | €3,981 | €4,073 | €4,976 | ▲ 22.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25,060 | €11,066 | €12,645 | €14,043 | €14,150 | ▲ 0.8% |
| Equity10/15 | -€20,301 | -€57,739 | -€64,206 | -€89,944 | -€109,692 | ▼ 22.0% |
| Contributions10/11 | - | €25,392 | €25,392 | €25,392 | €25,392 | = |
| Reserves13 | €9,035 | €9,035 | €9,035 | €9,035 | €9,035 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €7,176 | €7,176 | €7,176 | €7,176 | = |
| Profit (loss) carried forward14 | -€54,728 | -€92,167 | -€98,633 | -€124,371 | -€144,119 | ▼ 15.9% |
| Amounts payable17/49 | €45,361 | €68,806 | €76,851 | €103,987 | €123,842 | ▲ 19.1% |
| Amounts payable within one year42/48 | €45,361 | €68,806 | €76,851 | €103,987 | €123,842 | ▲ 19.1% |
| Trade debts44 | - | €860 | €4,868 | €806 | €2,426 | ▲ 201% |
| Suppliers440/4 | - | €860 | €4,868 | €806 | €2,426 | ▲ 201% |
| Taxes, remuneration and social security45 | - | €2,451 | €2,383 | €12,407 | €6,737 | ▼ 45.7% |
| Taxes450/3 | - | €2,451 | €2,383 | €4,163 | €2,777 | ▼ 33.3% |
| Remuneration and social security454/9 | - | - | - | €8,244 | €3,960 | ▼ 52.0% |
| Other amounts payable47/48 | - | €65,495 | €69,600 | €90,774 | €114,679 | ▲ 26.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€36,770 | -€37,439 | -€6,467 | -€25,738 | -€19,748 | ▲ 23.3% |
| + Depreciation and write-downs630 | €4,511 | €14,099 | - | €485 | €497 | ▲ 2.5% |
| Operating cash flow (approximation) | -€32,259 | -€23,340 | -€6,467 | -€25,253 | -€19,251 | ▲ 23.8% |
| Investment in fixed assets (approximation) | - | €1 | €0 | -€1,491 | €0 | ▲ 100% |
| Change in cash | - | €106 | €1,579 | €92 | €904 | ▲ 883% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 150 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Weakest financial yearnet -€37,439
Net result drops to -€37,439, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
21-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 52 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 239 days late
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Hasselt · 1 establishment unit since 1966
Ground area
60 m²
Building footprint
61 m²
Volume, LiDAR
476 m³
Parcel 71326F0312/00M005, Flanders · tallest building 15.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
KAPSALON BIROL
since 19662.001.100.102
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71326F0312/00M005 | Flanders | 59 m² | 1 · 61 m² | 15.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
KAPSALON ESSENTIALS
BE 0898.555.540
Deinze · Eq €16,463
J & S HAIRSTUDIO
BE 0897.609.591
Ninove · Eq €16,484
IMPRESSION S.T.A.F.
BE 0833.110.036
Antwerpen · Eq €16,485
ROBERTO
BE 0423.789.337
Sint-Jans-Molenbeek · Eq €16,442
FAUSTEIN
BE 0650.834.168
Liège · Eq €16,419
Of 21,734 companies in sector 96210 we hold annual accounts for 2,835. 2,364 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-06-1966
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
Contact
E-mail
starhasselt@outlook.comHasselt
Phone
011270075Hasselt
E-invoicing
Reachable via Peppol
Peppol ID
0208:0403656689
Also
9925:BE0403656689
Registered
17-04-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.