Debts
Of this, €15,080 falls due within a year.
Of this, €15,080 falls due within a year.
Lower net result than 84% of companies in personal services. Sector median €13,266 · 1,114 companies.
In July 2024, 173 companies had the same profile as SAINSOEK has now. Each dot is one company, two years later.
Another 0.6% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 173 companies, not a prediction for SAINSOEK. 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.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| SAINSOEK Leuven | €348,446 | -€3,068 | 29.9% | - |
| SoLounge Wellness Zonhoven | €414,537 | -€24,967 | 13.2% | - |
| De Bisschop Niels Ninove | €256,864 | -€3,716 | -20.5% | - |
| LODERMA Tervuren | €164,229 | -€4,161 | -9.7% | - |
| MonTom Ghent | €561,512 | -€80,753 | 10.3% | - |
| ABATON Anderlecht | €679,077 | -€88,170 | 10.4% | - |
| VRENESYS Mechelen | €180,452 | -€4,530 | -3.3% | - |
These companies have the same main activity as SAINSOEK: day spas, saunas and steam baths (NACE 96230). They are comparable in size and age: total assets between €164,000 and €679,000, founded between 2023 and 2025.
SAINSOEK has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104,038 and a net result of -€21,152.
Its solvency ranks better than 44% of 1,115 sector peers (NACE 96, financial year 2025).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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