DB.INSTITUT.K
ActiveDB.INSTITUT.K has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
74
/ 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
Profitability100▲+31
Solvency38▲+31
Growth50=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.73 in 2024; short-term debt: 74.9% and cash: 52.6% of total assets), and 87.5% 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
12.5%
Return on assets
24.7%
Age of the figures
9 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 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
5 d early
2023
1 d early
2022
3 d late
2021
3 d late
2020
27 d late
2019
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€267k▲ 0.1%
2018 · €267k
2018: €267k
2018 → 2019
EBIT margin
-1.8%▲ 0.9pp
2018 · -2.7%
2018: -2.7%
2018 → 2019
Net result
€18k▲ 17,886%
2024 · €102
2018: €-14k
2019: €-11k
2020: €-14k
2021: €5k
2022: €-22k
2023: €2k
2024: €102
2018 → 2025
Working capital
€-10k▲ 40.7%
2024 · €-16k
2018: €-6k
2019: €-8k
2020: €-21k
2021: €-21k
2022: €-40k
2023: €-28k
2024: €-16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€-11k€-9k▲ 17.4%€-9k▲ 1.1%€9k
Operating result€10k-€-17k€5k€1k▼ 75.8%€20k▲ 1,686%
Net result€5k-€-22k€2k€102▼ 94.7%€18k▲ 17,886%
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 1,686% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€28k▲ 280%
Current assets
€46k▲ 4.5%
Equity and liabilities €74k
Equity
€9k
Debt
€65k
Debt finances 87.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€24k▲
2024 · €15k
Cash flow
€23k▲
2024 · €14k
Solvency
12.5%▲
2024 · -17.6%
Current ratio
0.82▲
2024 · 0.73
Quick ratio
0.75▲
2024 · 0.65
Debt / equity
6.98▲
2024 · -6.70
ROE
196.8%
ROA
24.7%▲
2024 · 0.2%
Interest coverage
28.58▲
2024 · 18.91
Debt
€65k▲
2024 · €60k
Debt ≤ 1 year
€55k▼
2024 · €60k
Debt > 1 year
€9k
Income taxes
€462▲
2024 · €217
Staff costs
€67k▼
2024 · €86k
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€51k€74k▲
Fixed assets21/28€7k€28k▲
Tangible fixed assets22/27€6k€26k▲
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€177€24k▲
Financial fixed assets28€2k€2k=
Current assets29/58€44k€46k▲
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€33-
Other amounts receivable41€33-
Cash at bank and in hand54/58€39k€39k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€51k€74k▲
Equity10/15€-9k€9k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-31k€-13k▲
Amounts payable17/49€60k€65k▲
Amounts payable after more than one year17-€9k
Financial debts170/4-€9k
Amounts payable within one year42/48€60k€55k▼
Current portion of amounts payable after more than one year42-€5k
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9€7k€9k▲
Other amounts payable47/48€45k€37k▼
Accrued charges and deferred income492/3-€209
Income statement
Code20242025
Remuneration, social security and pensions62€86k€67k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€5k▼
Other operating charges640/8€725€272▼
Gross operating margin9900€102k€91k▼
Operating profit (loss)9901€1k€20k▲
Financial charges65/66B€777€844▲
Recurring financial charges65€777€844▲
Profit (loss) for the period before taxes9903€319€19k▲
Income taxes67/77€217€462▲
Profit (loss) for the period9904€102€18k▲
Profit (loss) for the period to be appropriated9905€102€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-13k▲
Profit (loss) brought forward from the previous period14P€-31k€-31k▲
The notes to these accounts (11 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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €18k ▲17886%
Operating result €20k, net result €18k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Weakest financial yearnet €-22k ▼514%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
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, Tournai · 1 establishment unit since 2007
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.
Voie de l'Eteule(ES) 27502 TournaiGround area
1,782 m²
Building footprint
232 m²
Volume, LiDAR
1,507 m³
2 parcels, Wallonia · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DAPHNE BY BRUNO
since 20072.161.731.508
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57024B0071/03R000 | Wallonia | 1,662 m² | 1 · 163 m² | 6.7 m · 2 fl. |
| 57462D0287/00D000 | Wallonia | 120 m² | 1 · 70 m² | 14.4 m · 4 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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Of 21,751 companies in sector 96210 we hold annual accounts for 2,827. 2,251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2007
Fiscal year end31-12
Activities, NACEBEL
93021
96021Hairdressing
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.