SDA 3

Active

Private limited companyfounded 20187 yrs activeChapelle Rompue straat(Biz) 59, 7783 Comines-Warneton, BelgiumKBO/BCE: BE 0714.935.431

Summary

SDA 3 has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€79,902) and a net result of €11,097. Equity is shrinking by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 9% of 5053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch Report Compare

SDA 3ActiveChecked score 55/100

Risk analysis Report Compare

Activity

Beauty care and other beauty treatments

NACE 96220Beauty treatment NACE 96022

1 site

Size

€37,446total assets 2025

Staff: 3.4 FTE
Equity: -€79,902
Profit: €11,097

Turnover not published (abridged schema)

Financial health

55 Fair Checked score 2025

Bankruptcy chance 12 m: 1.2%

Structure

Accounts filed 6 d late0 of 2 deeds read

Why 55Capped at 59: negative equity- Negative equity -€79,902- Founded in 2018+ Size: total assets €37,446Show the evidence

Checked score

Score 2025

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 37% of its sector peers (NACE 96, micro)

Performance against the sector, not lower risk

Negative equity caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2023

Weak

Solvency 0=

equity -213.4% of total assets

Liquidity 5-19

short-term debt 302.7% · cash 3.7%

Profitability 100+100

return on assets 29.6%

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,525 companies)

Last 15 months 08-2025: 2.8% 09-2025: 3.3%▲ +15.5% vs 08-2025 10-2025: 5.0%▲ +51.7% vs 09-2025 11-2025: 5.1%▲ +2.1% vs 10-2025 12-2025: 6.1%▲ +19.3% vs 11-2025 01-2026: 7.8%▲ +28.2% vs 12-2025 02-2026: 7.8%● 0.0% vs 01-2026 03-2026: 8.0%▲ +2.2% vs 02-2026 04-2026: 7.4%▼ -7.4% vs 03-2026 05-2026: 7.4%● 0.0% vs 04-2026 06-2026: 7.2%▼ -1.7% vs 05-2026 07-2026: 7.2%● 0.0% vs 06-2026 08-2026: 10.4%▲ +43.1% vs 07-2026highest value 09-2026: 1.2%▼ -88.6% vs 08-2026lowest value 10-2026: 1.2%● 0.0% vs 09-2026lowest value

Size: total assets €37,446 lowers the probability for this profile
Negative equity -€79,902 raises the probability
Founded in 2018 raises the probability for this profile

No credit on open account

Liquidity short (current ratio 0.06 against 0.13 in 2023; short-term debt: 302.7% and cash: 3.7% of total assets), and equity is negative.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 11%, liquidity 6%, profitability 93%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €37,446

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Negative equity -€79,902

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Founded in 2018

In the bankruptcy model this factor raises the probability for this profile.

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 5053 sector peers (2025).

NBB · sector comparison

Position among 5053 sector peers

Solvency

better than 9%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 3 filings

Deviation from the deadline

2025

6 d late

2023

30 d early

2019

32 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 19 days before the deadline; the sector median for financial year 2023 is on the deadline day, and 49% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 2 July (3 of the last 3 filed years within 35 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

06-08-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Back to profitnet €11,097
01-07-24 Annual accounts filedfiscal year 2023 · micro…

Key points

Risk: Negative equityfiscal year 2025: debts exceed assets -€79,902 View
Caution: Among the weakest 5% on equitysector median €16,674 · 5,067 companies -€79,902 View
Total assets 20253 fiscal years filed €37,446 View