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SYM 3

Active
Private limited companyfounded 199729 yrs activeKoestraat 175A, 8800 Roeselare, BelgiumKBO/BCE: BE 0461.396.336
Summary

SYM 3 has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €721,635 and a net result of €655,155. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 9138 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
SYM 3ActiveChecked score 86/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of information and communication equipment
NACE 46500NACE 46660NACE 51850
2 sites
Size
€3.2mtotal assets 2025
Staff
11.8 FTE
Equity
€721,635
Profit
€655,155
Turnover not published (abridged schema)
Financial health
86 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Largest shareholder
BDC CONSULT · 40.01%
Accounts 28 d early0 of 12 deeds read
Why 86- 1 change of registered office in 24 months- Equity €721,635 (22.3% of total assets)+ Liquidity: current ratio 1.46, cash €827,594+ Figures for FY 2025 (filed 08-04-2026)Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Better than 58% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 47-11
equity 22.3% of total assets
Liquidity 59-1
short-term debt 47.6% · cash 25.6%
Profitability 94-6
return on assets 20.3%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,373 companies)
Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.1%▲ +21.3% vs 12-2024 02-2025: 0.3%▲ +257% vs 01-2025 03-2025: 0.3%▼ -8.6% vs 02-2025 04-2025: 0.3%▲ +9.4% vs 03-2025 05-2025: 0.6%▲ +80.3% vs 04-2025highest value 06-2025: 0.2%▼ -61.9% vs 05-2025 07-2025: 0.2%● 0.0% vs 06-2025 08-2025: 0.2%● 0.0% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%▲ +1.3% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▲ +9.3% vs 12-2025 02-2026: 0.3%▲ +21.9% vs 01-2026 03-2026: 0.3%▼ -3.0% vs 02-2026 04-2026: 0.3%▲ +6.2% vs 03-2026 05-2026: 0.3%▲ +7.1% vs 04-2026 06-2026: 0.3%● 0.0% vs 05-2026 07-2026: 0.3%● 0.0% vs 06-2026 08-2026: 0.3%● 0.0% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%▲ +4.5% vs 09-2026
  • 1 change of registered office in 24 months raises the probability
  • Liquidity: current ratio 1.46, cash €827,594 lowers the probability
  • Figures for FY 2025 (filed 08-04-2026) lowers the probability
  • Equity €721,635 (22.3% of total assets) raises the probability
Credit up to €60,000 at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.7 in 2024; short-term debt: 47.6% and cash: 25.6% of total assets), and 77.7% of the assets are financed with debt.
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 46, small). Better than this share of them on solvency 25%, liquidity 77%, profitability 95%, growth against the median 33%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Liquidity: current ratio 1.46, cash €827,594
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 08-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Equity €721,635 (22.3% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 d early
2024
5 d late
2023
84 d early
2022
74 d early
2021
66 d early
2020
63 d early
2019
156 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 67 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 23 February (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close04-10-2026 today30-04-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Highest result since 2019net €655,155 ▲20%
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: Among the best 5% on net resultsector median €28,137 · 9,117 companies €655,155 View
  • Positive: 7 profitable years in a rowprofit 2025: €655,155 7 years View
  • Active since 1997founded 09-09-1997 29 years View

By topic

Financials

Fiscal year
2025
Total assets
€3.2m
Profit
€655,155
Solvency
22.3%
Total assets▲ 48.8%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 30-04-2027
  1. 02-04-2026Annual accounts filed
  2. 30-09-2025Highest result since 2019
  3. 05-05-2025Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Wholesale of information and communication equipmentNACE 46500
Founded
09-09-1997
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

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