DO & SA 3
ActiveThe computed 12-month bankruptcy probability of DO & SA 3 is 4.9% (elevated). The annual accounts of DO & SA 3 for fiscal year 2025 show a net loss of 79% of the equity at the start of that year. The 2025 annual accounts show equity of €16k and a net result of €-60k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 13204 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
23
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-31
Solvency31▼-42
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
4.9%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.93 against 1.53 in 2024; short-term debt: 93.8% and cash: 23.1% of total assets), and 93.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
6.2%
Return on assets
-23.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 · 4 filingsDeviation from the deadline
2025
23 d late
2024
29 d late
2023
89 d late
2022
21 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 79.2%
2024 · €76k
2022: €18k
2023: €70k
2024: €76k
2022 → 2025
Total assets
€254k▲ 61.3%
2024 · €157k
2022: €57k
2023: €136k
2024: €157k
2022 → 2025
Net result
€-60k
2024 · €5k
2022: €8k
2023: €53k
2024: €5k
2022 → 2025
Working capital
€-17k
2024 · €43k
2022: €9k
2023: €61k
2024: €43k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€18k-€70k▲ 296%€76k▲ 7.6%€16k▼ 79.2%
Operating result€33k-€117k▲ 253%€51k▼ 56.3%€15k▼ 71.1%
Net result€8k-€53k▲ 578%€5k▼ 89.9%€-60k
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 71% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254k
Fixed assets
€32k▲ 0.5%
Current assets
€222k▲ 77.0%
Equity and liabilities €254k
Equity
€16k▼ 79.2%
Debt
€238k▲ 191%
The debt ratio rises from 52.0% to 93.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€21k▼
2024 · €57k
Cash flow
€-54k▼
2024 · €11k
Solvency
6.2%▼
2024 · 48.0%
Current ratio
0.93▼
2024 · 1.53
Quick ratio
0.93▼
2024 · 1.53
Debt / equity
15.12▲
2024 · 1.08
ROE
-380.1%▼
2024 · 7.0%
ROA
-23.6%▼
2024 · 3.4%
Interest coverage
0.27▼
2024 · 1.24
Debt
€238k▲
2024 · €82k
Debt ≤ 1 year
€238k▲
2024 · €82k
Staff costs
€201k▲
2024 · €189k
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€157k€254k▲
Fixed assets21/28€32k€32k▲
Tangible fixed assets22/27€32k€32k▲
Plant, machinery and equipment23€5k€5k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€22k€23k▲
Current assets29/58€125k€222k▲
Amounts receivable within one year40/41€30k€162k▲
Trade receivables40€2k€141k▲
Other amounts receivable41€27k€21k▼
Cash at bank and in hand54/58€96k€59k▼
Deferred charges and accrued income490/1-€847
Equity and liabilities
Total equity and liabilities10/49€157k€254k▲
Equity10/15€76k€16k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€66k€6k▼
Amounts payable17/49€82k€238k▲
Amounts payable within one year42/48€82k€238k▲
Trade debts44€41k€202k▲
Suppliers440/4€41k€202k▲
Taxes, remuneration and social security45€36k€27k▼
Taxes450/3€16k€2k▼
Remuneration and social security454/9€21k€25k▲
Other amounts payable47/48€5k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€189k€201k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€250k€226k▼
Operating profit (loss)9901€51k€15k▼
Financial income75/76B€42€5▼
Recurring financial income75€42€5▼
Financial charges65/66B€46k€75k▲
Recurring financial charges65€46k€75k▲
Profit (loss) for the period before taxes9903€5k€-60k▼
Income taxes67/77€-303-
Profit (loss) for the period9904€5k€-60k▼
Profit (loss) for the period to be appropriated9905€5k€-60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€6k▼
Profit (loss) brought forward from the previous period14P€60k€66k▲
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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
31-12
Financial
Weakest financial yearnet €-60k ▼1224%
Net result drops to €-60k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 89 days late
2023
31-12
Financial
Highest result since 2022net €53k ▲578%
Operating result €117k, net result €53k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
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, Liège · 1 establishment unit since 2021
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 Villette 444020 LiègeGround area
282 m²
Building footprint
109 m²
Volume, LiDAR
1,041 m³
2 parcels, Flanders, Wallonia · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
NUB
since 20212.324.031.809
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62817B0728/00A002 | Wallonia | 202 m² | 1 · 32 m² | 12.1 m · 3 fl. |
| 44803C0167/00_000 | Flanders | 80 m² | 1 · 77 m² | 14.0 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.324.031.809
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,784. 7,766 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2021
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.