Equity
-€6,525
Debts exceed assets in financial year 2025.
SPA3
Lifetime
4 annual accounts with figures on one time axispeak €26,116 (2025)
€26,116▲ 671%
lowest -€21,799 (2024)
€1,458▲ €23,257
peak €13,815 (2023)
-€6,525▲ €1,458
€97,530unchanged
Board2 names since 2022
2 directorsDRUART Pryscillia and 1 other
Documentsfilings and deeds
30-04-202689 days late
2025micro format
Gross margin from €3,387 to €26,116Back to profit: €1,458Equity from -€7,983 to -€6,5251 establishment registeredCash from €7,817 to €15,843
Key points
from the 2025 annual accountsChecked score
50
Fair
Financially stronger than 45% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%lowest value
01-2025: 1.4%▲ +0.1 percentage points vs 12-2024
02-2025: 2.2%▲ +0.8 percentage points vs 01-2025
03-2025: 2.6%▲ +0.4 percentage points vs 02-2025
04-2025: 2.4%▼ -0.2 percentage points vs 03-2025
05-2025: 2.4%● unchanged vs 04-2025
06-2025: 2.4%● unchanged vs 05-2025
07-2025: 2.4%● unchanged vs 06-2025
08-2025: 2.4%● unchanged vs 07-2025
09-2025: 2.0%▼ -0.4 percentage points vs 08-2025
10-2025: 2.1%▲ +0.1 percentage points vs 09-2025
11-2025: 2.2%▲ +0.1 percentage points vs 10-2025
12-2025: 2.6%▲ +0.4 percentage points vs 11-2025
01-2026: 2.5%▼ -0.1 percentage points vs 12-2025
02-2026: 3.4%▲ +0.9 percentage points vs 01-2026
03-2026: 3.8%▲ +0.4 percentage points vs 02-2026
04-2026: 5.6%▲ +1.8 percentage points vs 03-2026highest value
05-2026: 3.0%▼ -2.6 percentage points vs 04-2026
06-2026: 3.0%● unchanged vs 05-2026
07-2026: 2.9%▼ -0.1 percentage points vs 06-2026
08-2026: 2.9%● unchanged vs 07-2026
09-2026: 2.9%● unchanged vs 08-2026
10-2026: 3.1%▲ +0.2 percentage points vs 09-2026
11-2026: 3.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 90 days late; 1 of the last 3 accounts late
Founded in 2022
Size: total assets €91,005
lowers risk
Liquidity: current ratio 0.78, cash €15,843
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 26% of them on solvency, 39% on liquidity, 50% on profitability and 66% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 516 companies had the same profile as SPA3 has now. Each dot stands for 2 companies, two years later.
91.9%
were still trading
2.5%
stopped another way
4.5%
went bankrupt
Another 1.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SPA3 itself: 3.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 516 companies, not a prediction for SPA3. 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.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.78 (0.43 in 2024), below 1. Short-term debt is 50.3% and cash 17.4% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 89 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-04-2026, 89 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filingsDeviation from the deadline
2025
89 days late
2024
28 days late
2023
15 days late
2022
4 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 32 days after the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 22 February (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Board and ownership
- PATERNOSTER Sébastien 2,500 sharesdeed of 17-01-2022
- DRUART Pryscillia 2,500 sharesdeed of 17-01-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0780418547
New establishment in Braine-l'Alleud
Rue de l'Ancien Bourg 12
Incorporation
Founding capital of €5,000, 5,000 shares · Founders: PATERNOSTER Sébastien and DRUART Pryscillia · Appointments: PATERNOSTER Sébastien (director) and DRUART Pryscillia (director) · published on 17-01-2022 · Gazette deed
First establishment
Rue Jules Destrée 21, Pont-à-Celles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SPA3 Pont-à-Celles | €91,005 | €26,116 | -7.2% | - |
| WPHT Pecq | €92,951 | €30,113 | -150.1% | - |
| TANSA Farciennes | €86,501 | €33,597 | -36.9% | - |
| AD AFSLANKCENTRUM Saint-Josse-ten-Noode | €86,006 | €23,538 | -5.3% | - |
| KRUNGTHEP Lier | €73,821 | €23,681 | 2.7% | - |
| WEALEX Froidchapelle | €60,954 | €24,766 | 3.1% | - |
| JO POS La Louvière | €94,320 | €45,524 | 47.6% | - |
These companies have the same main activity as SPA3: day spas, saunas and steam baths (NACE 96230). They are comparable in size and age: total assets between €61,000 and €94,300, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 13-01-2022Normal situation
- Activity
- Day spas, saunas and steam bathsNACE 96230and 5 others
- Establishment units
- 2.327.117.7936230 Pont-à-Celles, since 13-01-2022
- 2.381.870.1371420 Braine-l'Alleud, since 01-12-2025
- Financial year end
- 30 June
- Peppol
- Reachable since 04-06-2026
Insights on SPA3
SPA3 files the micro format. That format states no turnover. The gross margin rose from €10,472 in 2022 to €26,116 in 2025.
The balance sheet grew most from 2023 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SPA3
- What is the company number of SPA3?
- The company number of SPA3 is 0780.418.547. The VAT number is the same number with BE in front: BE 0780.418.547.
- Where is SPA3 based?
- The registered office is at Rue Jules Destrée 21, 6230 Pont-à-Celles.Company details
- What does SPA3 do?
- According to the KBO register, the main activity is day spas, saunas and steam baths (NACE 96230).
- What is the legal form of SPA3?
- SPA3 is a private limited company (BV).
- When was SPA3 founded?
- SPA3 was founded on 13-01-2022.
- Is SPA3 still active?
- Yes, SPA3 is an active enterprise in the KBO register.
- What is the turnover of SPA3?
- The turnover in financial year 2025 is ≈ €77,000. This figure is estimated from the gross margin of €26,116 and 39 comparable companies (NACE 962). It probably lies between €62,000 and €110,000.Financials
- Is SPA3 profitable?
- In financial year 2025, SPA3 made a profit of €1,458.
- Where can I find the annual accounts of SPA3?
- SPA3 filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SPA3 due?
- SPA3 must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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