BELVICA
ActiveSummary
BELVICA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €204. Equity is growing by ~23.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-1
Solvency40▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.06 in 2024; short-term debt: 85% and cash: 2.8% of total assets), and 85% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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
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 20-05-2026, 72 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
72 d early
2024
28 d early
2023
33 d early
2022
20 d early
2021
4 d early
2020
1 d late
2019
65 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 1.5%
2024 · €13k
2018: €3k
2019: €15k
2020: €780
2021: €7k
2022: €8k
2023: €11k
2024: €13k
2018 → 2025
Total assets
€90k▼ 7.1%
2024 · €96k
2018: €150k
2019: €135k
2020: €124k
2021: €119k
2022: €110k
2023: €102k
2024: €96k
2018 → 2025
Net result
€204▼ 91.8%
2024 · €2k
2018: €7k
2019: €12k
2020: €-14k
2021: €6k
2022: €961
2023: €3k
2024: €2k
2018 → 2025
Working capital
€-71k▲ 8.7%
2024 · €-78k
2018: €-31k
2019: €-29k
2020: €-53k
2021: €-48k
2022: €-58k
2023: €-68k
2024: €-78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€8k▲ 13.8%€11k▲ 35.6%€13k▲ 23.0%€13k▲ 1.5%
Operating result€9k-€3k▼ 62.2%€4k▲ 28.1%€4k▼ 1.1%€1k▼ 71.9%
Net result€6k-€961▼ 84.5%€3k▲ 194%€2k▼ 12.3%€204▼ 91.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 72% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€85k ▼ 7.3%
Current assets
€5k ▼ 4.7%
Equity and liabilities €90k
Equity
€13k ▲ 1.5%
Debt
€76k ▼ 8.5%
Debt's share of the balance-sheet total falls from 86.3% to 85.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €11k
Cash flow
€7k▼
2024 · €9k
Current ratio
0.06▲
2024 · 0.06
Quick ratio
0.04▲
2024 · 0.03
Debt to equity
5.67▼
2024 · 6.29
ROE
1.5%▼
2024 · 18.7%
ROA
0.2%▼
2024 · 2.6%
Interest coverage
7.66▲
2024 · 5.79
Debt ≤ 1 year
€76k▼
2024 · €83k
Staff costs
€75k▲
2024 · €62k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€96k€90k▼
Fixed assets21/28€92k€85k▼
Tangible fixed assets22/27€91k€85k▼
Land and buildings22€91k€85k▼
Financial fixed assets28€185€185=
Current assets29/58€5k€5k▼
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41-€242
Trade receivables40-€242
Cash at bank and in hand54/58€3k€3k▲
Deferred charges and accrued income490/1-€215
Equity and liabilities
Total equity and liabilities10/49€96k€90k▼
Equity10/15€13k€13k▲
Contributions10/11€6k€7k▲
Reserves13€434-
Non-distributable reserves130/1€434-
Reserves not available under the articles1311€434-
Profit (loss) carried forward14€7k€7k▲
Amounts payable17/49€83k€76k▼
Amounts payable within one year42/48€83k€76k▼
Current portion of amounts payable after more than one year42€20k-
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€3k€7k▲
Other amounts payable47/48€52k€57k▲
Income statement
Code20242025
Remuneration, social security and pensions62€62k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€76k€85k▲
Operating profit (loss)9901€4k€1k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€2k€204▼
Profit (loss) for the period9904€2k€204▼
Profit (loss) for the period to be appropriated9905€2k€204▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€7k▲
Profit (loss) brought forward from the previous period14P€4k€7k▲
The notes to these accounts (5 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
31-12
Financial
Weakest financial yearnet €-14k ▼221%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €12k ▲58.1%
Operating result €15k, net result €12k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Agatha-Berchem · 1 establishment unit since 2005
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.
Hunderenveldlaan 71082 Sint-Agatha-BerchemGround area
464 m²
Building footprint
239 m²
Volume, LiDAR
5,087 m³
2 parcels, Brussels · tallest building 31.3 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
COIFFURE NARY
since 20052.154.668.621
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0258/00V000 | Brussels | 234 m² | 1 · 78 m² | 9.5 m · 3 fl. |
| 21811M0796/00M000 | Brussels | 230 m² | 1 · 161 m² | 31.3 m · 10 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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D.B. MAHRABAN
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Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 2,349 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2005
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.