ZILVER SCHAAR
ActiveZILVER SCHAAR has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €4k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 4604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+13
Solvency36▲+12
Growth85▲+30
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five 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
11.3%
Return on assets
12.2%
Age of the figures
15 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
19 d late
2022
150 d late
2020
12 d late
2019
378 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€120k▲ 10.1%
2024 · €109k
2022: €59k
2023: €85k
2024: €109k
2022 → 2025
EBIT margin
4.6%▲ 3.7pp
2024 · 0.9%
2022: -10.4%
2023: 1.8%
2024: 0.9%
2022 → 2025
Net result
€4k▲ 368%
2024 · €882
2019: €3k
2020: €9k
2022: €-6k
2023: €1k
2024: €882
2019 → 2025
Working capital
€-7k▲ 42.7%
2024 · €-13k
2019: €3k
2020: €9k
2022: €-13k
2023: €-12k
2024: €-13k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Turnover€59k€85k▲ 44.0%€109k▲ 28.6%€120k▲ 10.1%
Equity€12k-€-3k€-1k▲ 54.9%€-284▲ 75.6%€4k
Operating result€494-€-6k€1k€981▼ 34.5%€5k▲ 457%
Net result€9k-€-6k€1k€882▼ 37.8%€4k▲ 368%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 457% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€11k▼ 10.6%
Current assets
€23k▲ 82.8%
Equity and liabilities €34k
Equity
€4k
Debt
€30k
Debt finances 88.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€7k▲
2024 · €2k
Cash flow
€5k▲
2024 · €1k
Solvency
11.3%▲
2024 · -1.1%
Current ratio
0.76▲
2024 · 0.49
Quick ratio
0.76▲
2024 · 0.49
Debt / equity
7.82
ROE
107.4%
ROA
12.2%▲
2024 · 3.5%
Interest coverage
58.93▲
2024 · 15.56
Debt
€30k▲
2024 · €25k
Debt ≤ 1 year
€30k▲
2024 · €25k
Income taxes
€1k
Staff costs
€20k▲
2024 · €19k
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€25k€34k▲
Fixed assets21/28€12k€11k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€2k€814▼
Furniture and vehicles24€3k€3k▼
Financial fixed assets28€8k€8k=
Current assets29/58€12k€23k▲
Amounts receivable within one year40/41€3k€9k▲
Trade receivables40-€9k
Other amounts receivable41€3k€884▼
Cash at bank and in hand54/58€10k€13k▲
Equity and liabilities
Total equity and liabilities10/49€25k€34k▲
Equity10/15€-284€4k▲
Contributions10/11€1-
Reserves13€200€201▲
Non-distributable reserves130/1€200€201▲
Reserves not available under the articles1311€200€201▲
Profit (loss) carried forward14€-485€4k▲
Amounts payable17/49€25k€30k▲
Amounts payable within one year42/48€25k€30k▲
Trade debts44€8k€15k▲
Suppliers440/4€8k€15k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€17k€13k▼
Income statement
Code20242025
Turnover70€109k€120k▲
Goods, raw materials, services and sundry goods60/61€87k€92k▲
Remuneration, social security and pensions62€19k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€556€1k▲
Other operating charges640/8€2k€396▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€22k€28k▲
Operating profit (loss)9901€981€5k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€99€115▲
Recurring financial charges65€99€115▲
Profit (loss) for the period before taxes9903€882€5k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€882€4k▲
Profit (loss) for the period to be appropriated9905€882€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-485€4k▲
Profit (loss) brought forward from the previous period14P€-1k€-485▲
The notes to these accounts (4 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
30-06
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 150 days late
2022
30-06
Financial
Weakest financial yearnet €-6k ▼170%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
2021
12-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
12-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 378 days late
2020
30-06
Financial
Highest result since 2019net €9k ▲166%
Net result €9k, the highest in the series.
30-06
Financial
Liquidity quadruplescurrent ratio 5.85
Current ratio from 1.66 to 5.85; short-term debt falls from €5k to €2k.
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, Brugge · 1 establishment unit since 2018
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.
Dweersstraat 68000 BruggeGround area
47 m²
Building footprint
47 m²
Volume, LiDAR
428 m³
Parcel 31804D1416/00A000, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ZILVER SCHAAR
since 20182.273.752.650
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31804D1416/00A000 | Flanders | 47 m² | 1 · 47 m² | 11.0 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 21,750 companies in sector 96210 we hold annual accounts for 2,832. 1,845 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2018
Fiscal year end30-06
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.