Cizzo
ActiveSummary
Cizzo has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €-5k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 85% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-3
Solvency99▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 3.6 against 4.87 in 2024; short-term debt: 25.9% and cash: 81.3% of total assets), and 25.9% 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.
+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
74.1%
Return on assets
-23.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-5k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
on the day
2022
22 d late
2021
31 d late
2020
149 d late
2019
152 d late
← 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
Turnover
€80k
EBIT margin
1.3%
Net result
€-5k▼ 61.9%
2024 · €-3k
2018: €1k
2019: €5k
2020: €-1k
2021: €4k
2022: €3k
2023: €-5k
2024: €-3k
2018 → 2025
Working capital
€16k▼ 6.2%
2024 · €17k
2018: €12k
2019: €20k
2020: €15k
2021: €20k
2022: €24k
2023: €25k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€26k▲ 14.5%€26k▼ 0.7%€23k▼ 12.9%€17k▼ 24.0%
Operating result€4k-€3k▼ 21.8%€-5k€-3k▲ 53.2%€-5k▼ 97.9%
Net result€4k-€3k▼ 22.3%€-5k€-3k▲ 36.9%€-5k▼ 61.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€2k ▼ 74.0%
Current assets
€22k ▲ 3.2%
Equity and liabilities €23k
Equity
€17k ▼ 24.0%
Debt
€6k ▲ 39.4%
Debt's share of the balance-sheet total rises from 16.0% to 25.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▼
2024 · €-2k
Cash flow
€-5k▼
2024 · €-3k
Current ratio
3.60▼
2024 · 4.87
Quick ratio
3.52▼
2024 · 4.58
Debt to equity
0.35▲
2024 · 0.19
ROE
-31.6%▼
2024 · -14.8%
ROA
-23.4%▼
2024 · -12.4%
Interest coverage
-10.00▼
2024 · -1.90
Debt ≤ 1 year
€6k▲
2024 · €4k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€27k€23k▼
Fixed assets21/28€6k€2k▼
Tangible fixed assets22/27€0-
Other tangible fixed assets26€0-
Financial fixed assets28€6k€2k▼
Current assets29/58€21k€22k▲
Stocks and contracts in progress3€1k€502▼
Stocks30/36€1k€502▼
Amounts receivable within one year40/41€0€2k▲
Trade receivables40€0€2k▲
Other amounts receivable41€0€24▲
Cash at bank and in hand54/58€20k€19k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€27k€23k▼
Equity10/15€23k€17k▼
Contributions10/11€19k€19k=
Reserves13€13k€13k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-9k€-14k▼
Amounts payable17/49€4k€6k▲
Amounts payable within one year42/48€4k€6k▲
Trade debts44€234€866▲
Suppliers440/4€234€866▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€229€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€859€0▼
Other operating charges640/8€628€2k▲
Gross operating margin9900€-1k€-3k▼
Operating profit (loss)9901€-3k€-5k▼
Financial income75/76B€25€29▲
Recurring financial income75€25€29▲
Financial charges65/66B€879€501▼
Recurring financial charges65€879€501▼
Profit (loss) for the period before taxes9903€-3k€-5k▼
Profit (loss) for the period9904€-3k€-5k▼
Profit (loss) for the period to be appropriated9905€-3k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-14k▼
Profit (loss) brought forward from the previous period14P€-5k€-9k▼
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 24.55
Current ratio from 8.30 to 24.55; short-term debt falls from €3k to €1k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
27-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 149 days late
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 152 days late
2019
31-12
Financial
Highest result since 2018net €5k ▲362%
Operating result €6k, net result €5k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 6.49
Current ratio from 2.43 to 6.49; short-term debt falls from €8k to €4k.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Lille · 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.
Borze 112275 LilleGround area
1,141 m²
Building footprint
177 m²
Volume, LiDAR
791 m³
Parcel 13019E0420/00M000, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Cizzo
since 20162.253.148.761
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13019E0420/00M000 | Flanders | 1,141 m² | 1 · 177 m² | 8.0 m · 1 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.
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NMD
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CADIAT
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Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 2,369 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 (pre-2019)
Founded30-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.