ZAK BAH
ActiveZAK BAH has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €581. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 4523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-31
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 9.52 against 4.53 in 2024), and 10.5% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
89.5%
Return on assets
6.6%
Age of the figures
8 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
on the day
2023
1 d late
2022
8 d early
2021
18 d early
2020
on the day
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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€581▼ 41.5%
2024 · €994
2018: €-4k
2019: €-7k
2020: €337
2021: €32
2022: €-1k
2023: €1k
2024: €994
2018 → 2025
Working capital
€8k▲ 7.9%
2024 · €7k
2018: €-2k
2019: €-4k
2020: €6k
2021: €6k
2022: €5k
2023: €6k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€5k▼ 19.8%€6k▲ 26.4%€7k▲ 15.7%€8k▲ 7.9%
Operating result€94-€-1k€2k€1k▼ 37.4%€743▼ 37.9%
Net result€32-€-1k€1k€994▼ 24.7%€581▼ 41.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €9k
Equity
€8k▲ 7.9%
Debt
€928▼ 55.3%
The debt ratio falls from 22.1% to 10.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
89.5%▲
2024 · 77.9%
Current ratio
9.52▲
2024 · 4.53
Quick ratio
9.52▲
2024 · 4.53
Debt / equity
0.12▼
2024 · 0.28
ROE
7.4%▼
2024 · 13.6%
ROA
6.6%▼
2024 · 10.6%
Debt
€928▼
2024 · €2k
Debt ≤ 1 year
€928▼
2024 · €2k
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€9k€9k▼
Current assets29/58€9k€9k▼
Amounts receivable within one year40/41€4k€5k▲
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€9k€9k▼
Equity10/15€7k€8k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-11k€-11k▲
Amounts payable17/49€2k€928▼
Amounts payable within one year42/48€2k€928▼
Trade debts44€125€838▲
Suppliers440/4€125€838▲
Taxes, remuneration and social security45€1€90▲
Taxes450/3-€89
Remuneration and social security454/9€1€1=
Other amounts payable47/48€2k-
Income statement
Code20242025
Other operating charges640/8€3k€100▼
Gross operating margin9900€4k€843▼
Operating profit (loss)9901€1k€743▼
Financial charges65/66B€203€162▼
Recurring financial charges65€168€162▼
Non-recurring financial charges66B€35-
Profit (loss) for the period before taxes9903€994€581▼
Profit (loss) for the period9904€994€581▼
Profit (loss) for the period to be appropriated9905€994€581▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-11k▲
Profit (loss) brought forward from the previous period14P€-12k€-11k▲
The notes to these accounts (3 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 9.52
Current ratio from 4.53 to 9.52; short-term debt falls from €2k to €928.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €337
Net result €337 after 2 loss-making years.
31-12
Financial
Liquidity times 9current ratio 3.96
Current ratio from 0.45 to 3.96; short-term debt falls from €8k to €2k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2025
IZMAR YASSINE
CurrentDirector · since 08-01-2025
08-01-2025
Appointed as Director
31-03-2024
Resigned as Director
Not every act has been read: a resignation may be missing here
10 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Nivelles · 1 establishment unit since 2014
Ground area
6,279 m²
Building footprint
610 m²
Parcel 25782C0258/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Namur 50-52, 1400 Nivelles
since 20142.228.692.685
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0258/00D000 | Wallonia | 6,279 m² | 1 · 610 m² | - |
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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Of 21,679 companies in sector 96210 we hold annual accounts for 2,808. 2,175 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2014
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.