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WithCFA: sector benchmark

Where does a company stand against its sector? Every ratio over five fiscal years, with its place among its peers and what that means, ready to print for your client.

Sector benchmark

WithCFA

BE 0776.517.563
NACE 96.220, Beauty care and other beauty treatments
NACE division 96, Personal service activities all sizesfiscal years 2022 to 2025185 to 5,683 sector peers per ratio

Summary

fiscal year 2025

WithCFA does better than half of its sector on 4 of the 14 ratios compared.

most favourable quarter above the median below the median least favourable quarter
Strongest points
  • Days sales outstandingbetter than 83%
  • Return on equitybetter than 68%
  • Days inventorybetter than 65%
Points to watch
  • Quick ratiobetter than 6%
  • Debt to equitybetter than 7%
  • Long-term debt ratiobetter than 9%

Solvency and debt

How soundly the company is financed.
Solvency
10.0%▲2025

Solvency is below 69% of 5,647 sector peers: less favourable than the median.

Position against the sector stable since 2022.

2022202320242025
Debt to equity
9.03▲2025

Debt to equity is above 93% of 5,543 sector peers: in the least favourable quarter.

Position against the sector weakening since 2022.

2022202320242025
Long-term debt ratio
5.19▼2025

The long-term debt ratio is above 91% of 2,681 sector peers: in the least favourable quarter.

2022202320242025
Interest coverage
4.88▲2025

Interest coverage is below 64% of 5,143 sector peers: less favourable than the median.

Position against the sector improving since 2022.

2022202320242025

Liquidity

Whether it can pay its short-term bills.
Current ratio
0.26▲2025

The current ratio is below 87% of 5,631 sector peers: in the least favourable quarter.

Position against the sector stable since 2022.

2022202320242025
Quick ratio
0.07▼2025

The quick ratio is below 94% of 5,631 sector peers: in the least favourable quarter.

Position against the sector stable since 2022.

2022202320242025
Working-capital ratio
-28.4%▲2025

The working-capital ratio is below 76% of 5,630 sector peers: in the least favourable quarter.

Position against the sector improving since 2022.

2022202320242025

Profitability

What the company earns on its assets and its sales.
Return on equity
29.5%▼2025

Return on equity is above 68% of 4,239 sector peers: more favourable than the median.

Position against the sector weakening since 2023.

2022202320242025
Return on assets
2.9%▲2025

Return on assets is below 55% of 5,683 sector peers: less favourable than the median.

Position against the sector improving since 2022.

2022202320242025
Net margin
1.4%▲2025

The net margin is above 52% of 353 sector peers: more favourable than the median.

Position against the sector stable since 2022.

2022202320242025
EBITDA margin
8.1%▲2025

The EBITDA margin is below 52% of 260 sector peers: less favourable than the median.

Position against the sector improving since 2022.

2022202320242025
Gross margin
16.2%▼2025

The gross margin is below 59% of 334 sector peers: less favourable than the median.

Position against the sector weakening since 2022.

2022202320242025

Working-capital cycle

How long cash is tied up in customers, suppliers and stock.
Days sales outstanding
2days▼2025

Days sales outstanding is below 83% of 305 sector peers: in the most favourable quarter.

Position against the sector improving since 2022.

2022202320242025
Days payable outstanding
10days▼2025

Days payable outstanding is below 71% of 383 sector peers.

2022202320242025
Days inventory
14days▲2025

Days inventory is below 65% of 185 sector peers: more favourable than the median.

Position against the sector stable since 2023.

2022202320242025

Source: filed annual accounts (NBB) and main activity (CBE register). Compared per fiscal year with each peer's latest statutory accounts; at least 30 peers per ratio. Prepared on 28 September 2026 via checked.be.