Maison DELCOIF
ActiveMaison DELCOIF has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €191k and a net result of €11k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 79% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 4.12 against 4.19 in 2024; short-term debt: 20.7% and cash: 10.6% of total assets), and 21.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
78.1%
Return on assets
4.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
29 d late
2023
223 d late
2022
589 d late
2021
57 d late
2020
31 d late
2019
3 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11k▼ 42.0%
2024 · €19k
2018: €44k
2019: €9k
2020: €-6k
2021: €47k
2022: €12k
2023: €31k
2024: €19k
2018 → 2025
Working capital
€158k▼ 2.2%
2024 · €161k
2018: €-5k
2019: €14k
2020: €16k
2021: €76k
2022: €92k
2023: €131k
2024: €161k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€154k▲ 8.8%€185k▲ 20.1%€204k▲ 10.3%€191k▼ 6.2%
Operating result€69k-€20k▼ 71.6%€46k▲ 131%€33k▼ 28.6%€17k▼ 48.0%
Net result€47k-€12k▼ 73.4%€31k▲ 149%€19k▼ 38.4%€11k▼ 42.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 48% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €245k
Fixed assets
€36k▼ 19.7%
Current assets
€208k▼ 1.7%
Equity and liabilities €245k
Equity
€191k▼ 6.2%
Debt
€54k▲ 0.2%
The debt ratio rises from 20.8% to 21.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€27k▼
2024 · €43k
Cash flow
€21k▼
2024 · €30k
Solvency
78.1%▼
2024 · 79.2%
Current ratio
4.12▼
2024 · 4.19
Quick ratio
2.09▲
2024 · 1.79
Debt / equity
0.28▲
2024 · 0.26
ROE
5.8%▼
2024 · 9.4%
ROA
4.5%▼
2024 · 7.4%
Interest coverage
95.22▼
2024 · 200.21
Debt
€54k▲
2024 · €54k
Debt ≤ 1 year
€51k▲
2024 · €51k
Income taxes
€6k▼
2024 · €13k
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€257k€245k▼
Fixed assets21/28€45k€36k▼
Tangible fixed assets22/27€45k€36k▼
Land and buildings22€41k€34k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€50€50=
Current assets29/58€212k€208k▼
Stocks and contracts in progress3€122k€103k▼
Stocks30/36€122k€103k▼
Amounts receivable within one year40/41€60k€79k▲
Trade receivables40€24k€35k▲
Other amounts receivable41€36k€44k▲
Cash at bank and in hand54/58€30k€26k▼
Deferred charges and accrued income490/1-€547
Equity and liabilities
Total equity and liabilities10/49€257k€245k▼
Equity10/15€204k€191k▼
Contributions10/11€19k€19k=
Reserves13€185k€173k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€183k€171k▼
Amounts payable17/49€54k€54k▲
Amounts payable within one year42/48€51k€51k▲
Trade debts44€28k€16k▼
Suppliers440/4€28k€16k▼
Taxes, remuneration and social security45€22k€19k▼
Taxes450/3€22k€19k▼
Other amounts payable47/48€399€16k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-11k-
Other operating charges640/8€1k€857▼
Gross operating margin9900€34k€28k▼
Operating profit (loss)9901€33k€17k▼
Financial income75/76B€26€88▲
Recurring financial income75€26€88▲
Financial charges65/66B€216€287▲
Recurring financial charges65€216€287▲
Profit (loss) for the period before taxes9903€32k€17k▼
Income taxes67/77€13k€6k▼
Profit (loss) for the period9904€19k€11k▼
Profit (loss) for the period to be appropriated9905€19k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€11k▼
Transfer from equity791/2-€13k
Transfer to equity691/2€19k-
To other reserves6921€19k-
Profit to be distributed694/7-€24k
Return on contributions (dividend)694-€20k
Directors or managers695-€4k
The notes to these accounts (8 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 223 days late
11-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 589 days late
2024
31-12
Financial
Equity above €200kEq €204k ▲10.3%
4 profitable years in a row build equity to €204k.
2022
31-12
Financial
Equity above €150kEq €154k ▲8.8%
2 profitable years in a row build equity to €154k.
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
31-12
Financial
Equity above €100kEq €141k ▲49.5%
Equity rises from €94k to €141k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-6k ▼167%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €100kEq €101k ▲27.3%
2 profitable years in a row build equity to €101k.
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 21 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ath · 2 establishment units since 2008
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.
Rue Robert Delange(VSA) 517812 AthGround area
1,420 m²
Building footprint
223 m²
Volume, LiDAR
1,464 m³
3 parcels, Wallonia · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
MAISON DELCOIF
since 20082.171.049.842
HAIRPRO
since 20142.241.441.950
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51061B0221/00M000 | Wallonia | 1,163 m² | 1 · 111 m² | - |
| 51004D0350/00B000 | Wallonia | 141 m² | 1 · 45 m² | 15.8 m · 4 fl. |
| 57081G0310/00G000 | Wallonia | 116 m² | 1 · 67 m² | 15.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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PRO.DE.CO
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ACTitude
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Perpetuum Ventures
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Of 798 companies in sector 46450 we hold annual accounts for 452. 332 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2008
Fiscal year end31-12
Activities, NACEBEL
46450Wholesale of perfume and cosmetics
46900Non-specialised wholesale trade
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.