2/3.com
Active2/3.com has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 41% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency68▲+68
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.84 in 2024; short-term debt: 56.8% and cash: 17.1% of total assets), but 56.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
43.2%
Return on assets
87.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
93 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k
2024 · €-8k
2018: €9k
2019: €13k
2020: €11k
2021: €11k
2022: €-5k
2023: €359
2024: €-8k
2018 → 2025
Total assets
€19k▼ 23.0%
2024 · €25k
2018: €26k
2019: €31k
2020: €19k
2021: €20k
2022: €17k
2023: €34k
2024: €25k
2018 → 2025
Net result
€17k
2024 · €-9k
2018: €-5k
2019: €7k
2020: €1k
2021: €-399
2022: €-16k
2023: €5k
2024: €-9k
2018 → 2025
Working capital
€8k▼ 29.7%
2024 · €11k
2018: €-7k
2019: €4k
2020: €11k
2021: €9k
2022: €-6k
2023: €19k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€-5k€359€-8k€8k
Operating result€734-€-15k€5k€-8k€17k
Net result€-399-€-16k▼ 3,835%€5k€-9k€17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €8k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€572▼ 32.3%
Current assets
€18k▼ 22.7%
Equity and liabilities €19k
Equity
€8k
Debt
€11k
Debt finances 56.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€18k▲
2024 · €-7k
Cash flow
€17k▲
2024 · €-8k
Solvency
43.2%▲
2024 · -34.1%
Current ratio
1.71▼
2024 · 1.84
Quick ratio
1.71▼
2024 · 1.84
Debt / equity
1.32▲
2024 · -3.93
ROE
202.5%
ROA
87.5%▲
2024 · -35.5%
Interest coverage
24.15▲
2024 · -7.18
Debt
€11k▼
2024 · €33k
Debt ≤ 1 year
€11k▼
2024 · €13k
Income taxes
€193▲
2024 · €189
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€25k€19k▼
Fixed assets21/28€844€572▼
Tangible fixed assets22/27€444€172▼
Furniture and vehicles24€444€172▼
Financial fixed assets28€400€400=
Current assets29/58€24k€18k▼
Amounts receivable within one year40/41€15k€15k▲
Trade receivables40€7k€7k▲
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€9k€3k▼
Deferred charges and accrued income490/1€400€254▼
Equity and liabilities
Total equity and liabilities10/49€25k€19k▼
Equity10/15€-8k€8k▲
Contributions10/11€19k€19k=
Reserves13€137€137=
Non-distributable reserves130/1€137€137=
Reserves not available under the articles1311€137€137=
Profit (loss) carried forward14€-27k€-11k▲
Amounts payable17/49€33k€11k▼
Amounts payable after more than one year17€20k-
Financial debts170/4€20k-
Amounts payable within one year42/48€13k€11k▼
Financial debts43-€141
Credit institutions430/8-€141
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€6k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€723€273▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€5k€6k▲
Gross operating margin9900€-2k€30k▲
Operating profit (loss)9901€-8k€17k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€956€734▼
Recurring financial charges65€956€734▼
Profit (loss) for the period before taxes9903€-9k€17k▲
Income taxes67/77€189€193▲
Profit (loss) for the period9904€-9k€17k▲
Profit (loss) for the period to be appropriated9905€-9k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-11k▲
Profit (loss) brought forward from the previous period14P€-18k€-27k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.33
Current ratio from 0.72 to 2.33; short-term debt falls from €22k to €14k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
01-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 93 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.20
Current ratio from 0.57 to 1.20.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Quai Mativa 234020 LiègeGround area
370 m²
Building footprint
94 m²
Volume, LiDAR
1,815 m³
Parcel 62806C0376/02M000, Wallonia · tallest building 25.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
2/3.com
since 20062.156.636.335
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62806C0376/02M000 | Wallonia | 370 m² | 1 · 94 m² | 25.6 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,862 companies in sector 73110 we hold annual accounts for 3,755. 1,922 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-10-2006
Fiscal year end31-12
Activities, NACEBEL
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.