V & Z
ActiveV & Z has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €-15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 64% of 4554 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency76▼-24
Growth35▼-17
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.38 against 4.04 in 2024), and 54.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 2025Solvency, return and age of the figures
Solvency
45.6%
Return on assets
-85.2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 · 9 filingsDeviation from the deadline
2025
40 d late
2024
59 d late
2023
28 d late
2022
20 d early
2021
79 d late
2020
418 d late
2019
782 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€42k▲ 70.2%
2021 · €24k
2018: €86k
2019: €77k
2020: €34k
2021: €24k
2018 → 2022
EBIT margin
-15.3%▼ 16.3pp
2021 · 1.0%
2018: -0.7%
2019: 8.1%
2020: 23.6%
2021: 1.0%
2018 → 2022
Net result
€-15k
2024 · €11k
2018: €-2k
2019: €3k
2020: €8k
2021: €104
2022: €-7k
2023: €11k
2024: €11k
2018 → 2025
Working capital
€4k▼ 82.1%
2024 · €20k
2018: €-6k
2019: €-4k
2020: €3k
2021: €3k
2022: €-4k
2023: €8k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€24k-€42k▲ 70.2%
Equity€7k-€358▼ 94.9%€11k▲ 3,053%€23k▲ 100%€8k▼ 65.1%
Operating result€245-€-6k€11k€11k▼ 2.8%€-15k
Net result€104-€-7k€11k€11k▲ 3.6%€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15k after €11k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€4k▲ 51.5%
Current assets
€13k▼ 50.7%
Equity and liabilities €17k
Equity
€8k▼ 65.1%
Debt
€9k▲ 44.9%
The debt ratio rises from 22.3% to 54.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-15k▼
2024 · €11k
Cash flow
€-14k▼
2024 · €12k
Solvency
45.6%▼
2024 · 77.7%
Current ratio
1.38▼
2024 · 4.04
Quick ratio
1.38▼
2024 · 4.04
Debt / equity
1.19▲
2024 · 0.29
ROE
-186.6%▼
2024 · 50.1%
ROA
-85.2%▼
2024 · 38.9%
Interest coverage
-43.48▼
2024 · 46.95
Debt
€9k▲
2024 · €6k
Debt ≤ 1 year
€9k▲
2024 · €6k
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€29k€17k▼
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€876€557▼
Furniture and vehicles24€876€557▼
Financial fixed assets28€2k€4k▲
Current assets29/58€26k€13k▼
Amounts receivable within one year40/41€20k€11k▼
Trade receivables40-€600
Other amounts receivable41€20k€10k▼
Cash at bank and in hand54/58€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€29k€17k▼
Equity10/15€23k€8k▼
Contributions10/11€19k€19k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€694€-14k▼
Amounts payable17/49€6k€9k▲
Amounts payable within one year42/48€6k€9k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€502€320▼
Other operating charges640/8€1k€542▼
Gross operating margin9900€12k€-14k▼
Operating profit (loss)9901€11k€-15k▼
Financial income75/76B€965€802▼
Recurring financial income75€965€802▼
Financial charges65/66B€236€342▲
Recurring financial charges65€236€342▲
Profit (loss) for the period before taxes9903€11k€-15k▼
Profit (loss) for the period9904€11k€-15k▼
Profit (loss) for the period to be appropriated9905€11k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€694€-14k▼
Profit (loss) brought forward from the previous period14P€-11k€694▲
The notes to these accounts (8 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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
12-08
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 01/01/2026
- Registered-office move, Basilieklaan 26 bus 1, 3270 Scherpenheuvel-Zichem
2025
31-12
Financial
Weakest financial yearnet €-15k ▼230%
Net result drops to €-15k, the lowest in the series.
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Highest result since 2018net €11k ▲3.6%
Net result €11k, the highest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 2.27
Current ratio from 0.56 to 2.27; short-term debt falls from €8k to €6k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 418 days late
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 782 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 762 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
2018
19-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 80 days late
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Scherpenheuvel-Zichem · 1 establishment unit since 2016
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.
Basilieklaan 263270 Scherpenheuvel-ZichemGround area
316 m²
Building footprint
221 m²
Volume, LiDAR
1,717 m³
2 parcels, Flanders · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
KAPSALON YUSUF
since 20162.257.131.404
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098A0391/00Y002 | Flanders | 167 m² | 1 · 73 m² | 12.9 m · 4 fl. |
| 24098A0059/00K000 | Flanders | 149 m² | 1 · 149 m² | 10.8 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.
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Of 21,678 companies in sector 96210 we hold annual accounts for 2,807. 2,175 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2016
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47715Retail trade
47750Retail sale of cosmetics and toilet articles
47784Retail sale of souvenirs and religious articles
47786Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.