LODERMA
ActiveFrom the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette
Summary
The computed 12-month bankruptcy probability of LODERMA is 2.5% (moderate). The 2025 annual accounts show negative equity (-€15,984) and a net result of -€20,984. Its solvency ranks better than 25% of 5,709 sector peers (NACE 96, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
KBO- Status
- Active since 14-03-2025 Normal situation
- Legal form
- Private limited company
- Registered office
- Kerkstraat 13, 3080 Tervuren
- Activity
- Day spas, saunas and steam baths NACE 96230and 2 others
- Establishment units
- 2.371.710.673 3080 Tervuren, since 14-03-2025
- 2.393.262.291 1380 Lasne, since 21-09-2026
- Financial year end
- 31 December
- Peppol
- Reachable since 25-06-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.5%
- Gross margin
- -€4,161
- Loss
- €20,984
- Equity
- -€15,984
- Total assets
- €164,229
Score breakdownraises riskFounded in 20252 establishment unitsLiquidity: current ratio 0.07, cash €5,931lowers riskSize: total assets €164,229Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 25% of them on solvency, 6% on liquidity and 18% on profitability.
The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Searched, nothing found (1)
Financials · financial year 2025, micro format
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 10-06-2026
- Format
- micro format
- Reference
- 2026-00149440
Turnover and EBIT margin are not published. The micro format does not require them.
Companies with the same profile, two years later
Historical observationIn July 2024, 1,322 companies had the same profile as LODERMA has now. Two years later, 4.2% had gone bankrupt and 90.2% were still going.
- Micro
- under 2 years old
- negative equity
- a loss of 10% of the balance sheet or more
That fits the bankruptcy probability of LODERMA itself: 2.5% within 12 months.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,322 companies, not a prediction for LODERMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,419 |
| Other operating charges640/8 | €1,125 |
| Gross operating margin9900 | -€4,161 |
| Operating profit (loss)9901 | -€20,705 |
| Financial charges65/66B | €279 |
| Recurring financial charges65 | €279 |
| Profit (loss) for the period before taxes9903 | -€20,984 |
| Profit (loss) for the period9904 | -€20,984 |
| Profit (loss) for the period to be appropriated9905 | -€20,984 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €164,229 | |
| Fixed assets21/28 | €151,146 | |
| Intangible fixed assets21 | €925 | |
| Tangible fixed assets22/27 | €149,685 | |
| Plant, machinery and equipment23 | €45,032 | |
| Furniture and vehicles24 | €1,273 | |
| Other tangible fixed assets26 | €103,380 | |
| Financial fixed assets28 | €536 | |
| Current assets29/58 | €13,083 | |
| Stocks and contracts in progress3 | €6,891 | |
| Stocks30/36 | €6,891 | |
| Cash at bank and in hand54/58 | €5,931 | |
| Deferred charges and accrued income490/1 | €261 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €164,229 | |
| Equity10/15 | -€15,984 | |
| Contributions10/11 | €5,000 | |
| Profit (loss) carried forward14 | -€20,984 | |
| Amounts payable17/49 | €180,213 | |
| Amounts payable within one year42/48 | €178,814 | |
| Trade debts44 | €6,000 | |
| Suppliers440/4 | €6,000 | |
| Taxes, remuneration and social security45 | €47 | |
| Taxes450/3 | €47 | |
| Other amounts payable47/48 | €172,766 | |
| Accrued charges and deferred income492/3 | €1,399 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€20,984 |
| + Depreciation and write-downs630 | €15,419 |
| Operating cash flow (approximation) | -€5,565 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 10-06-2026 | 2026-00149440 | NBB |
Comparable companies
These companies have the same main activity as LODERMA: day spas, saunas and steam baths (NACE 96230). They are comparable in size and age: total assets between €111,000 and €257,000, founded between 2024 and 2025.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| LODERMA Tervuren | 2025 | €164,229 | -€15,984 | -€4,161 | -€20,984 | 2025 |
| VRENESYS Mechelen | 2025 | €180,452 | -€5,951 | -€4,530 | -€10,951 | 2025 |
| The Golden Hour Antwerpen | 2025 | €133,570 | -€3,614 | €967 | -€28,614 | 2025 |
| WeRock Estinnes | 2024 | €160,944 | €5,685 | -€37,086 | -€69,375 | 2025 |
| De Bisschop Niels Ninove | 2024 | €256,864 | -€52,592 | -€3,716 | -€59,092 | 2025 |
| Le Coin G Frameries | 2024 | €140,241 | -€32,927 | -€18,757 | -€34,927 | 2025 |
| NEVA Concept Elsene | 2025 | €111,049 | -€11,780 | -€15,329 | -€21,780 | 2025 |
They were chosen from the 746 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| CARTIAUX Sophie |
|
The board according to the articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Bestuursorgaan, één of meer bestuurders”“Vergoeding van de bestuurders, algemene kosten, los van representatie-, reis- en verplaatsingskosten”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, beslissing algemene vergadering”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Recht algemene vergadering om een of meerdere vereffenaars aan te duiden, bevoegdheden te omlijnen en vergoeding te bepalen, indien geen…”
Articles of association, deed of 18-03-2025 (in Dutch)
Owners and capital
Capital transactions
- CARTIAUX Sophie 5,000 shares (100%) · in cash
- 18-03-2025 Incorporation · €5,000 · 5,000 shares
Shares according to the articles of association
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Op naam, register van aandelen op naam”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Elke overdracht onder levenden, ten bezwarende of kosteloze titel, vrijwillig of gedwongen, in vruchtgebruik, blote of volle eigendom, van…”
- Share issue ruleThe articles set how and by whom new shares are issued.
- “Inbreng in geld met uitgifte van nieuwe aandelen – Recht van voorkeur, naar evenredigheid van het aantal aandelen dat zij bezitten”
Other provisionsThese rules from the articles cover subjects other than the board, the shares, the purpose and the meetings.
Articles of association, deed of 18-03-2025 (in Dutch)
Group and network
Connections & network
1 current directorThe network starts from the directors of LODERMA. Every other company they run is a node.
History
Acts, filings and financial milestones
18-03
Gazette deed
IncorporationAppointment: CARTIAUX Sophie (director) · Founder · Founding capital8 points ▸
- Incorporation, “LODERMA” (deed in Dutch)
- Founder, CARTIAUX Sophie
- Founding capital, €5,000
- Bank account, “BNP Paribas Fortis, vennootschap in oprichting” (deed in Dutch)
- Capital
- Registered office clause, “3080 Tervuren, Kerkstraat 13” (deed in Dutch)
- Board rule, 1
- Director appointment, CARTIAUX Sophie (director (not named in the articles))
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 202513 activities
- Het aanbieden van schoonheids- en wellnessdiensten in de ruimste zin van het woord.
- Dit omvat,zonder beperking,gelaatsverzorging,lichaamsverzorging,huidverbetering,ontharingstechnieken,massages,manicure,pedicure,make-up,permanente make-up en andere esthetische behandelingen.
- Daarnaast kan de vennootschap coaching,advies en opleidingen verstrekken op het gebied van schoonheidszorg en wellness.
- De vennootschap kan ook schoonheidsproducten,cosmetica,verzorgingsproducten,apparatuur en aanverwante artikelen aankopen,verkopen,importeren en distribueren.
- De vennootschap mag zich borgstellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren,in de meest ruime zin.
- Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp,rechtstreeks of onrechtstreeks,geheel of ten dele vergemakkelijken.
- De vennootschap zal kunnen huren,zakelijke rechten of de volle eigendom kunnen verwerven van elk onroerend goed met het doel er haar maatschappelijke zetel,exploitatiezetel te vestigen of er haar bedrijfsleiders en hun familie als hoofdverblijf te huisvesten.
- Algemeen kan de vennootschap elke commerciële,industriële,financiële,roerende of onroerende handeling stellen die rechtstreeks of onrechtstreeks in verband staat met haar maatschappelijk doel of die van aard zou zijn om de verwezenlijking ervan rechtstreeks of onrechtstreeks,volledig of gedeeltelijk te vergemakkelijken.
- Zij kan belangen nemen door associatie,inbreng,fusie,financiële tussenkomst of op gelijk welke andere wijze,in alle vennootschappen,verenigingen of ondernemingen met een identiek,gelijklopend of samenhangend voorwerp met het hare of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen.
- De vennootschap kan een mandaat van bestuurder of van vereffenaar aanvaarden en uitoefenen in elke vennootschap,ongeacht het maatschappelijke doel ervan.
- De vennootschap zal alle activiteiten van commerciële tussenpersoon mogen uitoefenen in alle bovenvermelde domeinen en in alle sectoren waarvan de activiteit op heden niet gereglementeerd is.
- De vennootschap kan een hypotheek of elke andere reële zekerheid vestigen op de maatschappelijke goederen en kan zich borg stellen.
- Zij zal leningen mogen verstrekken aan alle vennootschappen en/of natuurlijke personen en zich voor hen borg stellen,zelfs op hypothecaire wijze.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBThe scores and ratios are Checked's own calculations, not a credit decision.
Environmental permits: No permit applications found in Flanders.
Sites & property
2 establishment units
Buildings and parcels at the addresses
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25076G0088/00L002 | Wallonia | 638 m² | 1 · 184 m² | 7.6 m · 2 |
| 24302D0181/00C000 | Flanders | 377 m² | 1 · 122 m² | 15.0 m · 4 |