Equity
-€677,745
Debts exceed assets in financial year 2025.
3 Angle Immo
Lifetime
3 annual accounts with figures on one time axispeak €54,091 (2025)
€54,091▲ €54,103
lowest -€355,439 (2024)
-€95,942▲ €259,497
peak -€226,364 (2023)
-€677,745▼ €95,942
€2.4m▲ 8.3%
Board3 names since 2023
3 directorsSWINNEN Inge Paula and 2 others
Documentsfilings and deeds
30-07-20261 days before the deadline
2025micro format
Gross margin from -€12 to €54,091Loss of €95,942Equity from -€581,803 to -€677,745Cash from €6,927 to €29,666
Key points
from the 2025 annual accountsLosses
-€685,245 in three years
Every financial year from 2023 to 2025 closed with a loss. 2024 was the heaviest.
Turnover
≈ €160,000 estimated
The micro format states no turnover.
Debts
€2.4m 139% of the balance sheet
After one year 50%Within one year 50%
Of this, €1.2m falls due within a year.
Investments
€167,059 1.7 × depreciation
Green is investment, beige is depreciation.
Starting capital
€7,500 300 shares
Checked score
53
Fair
Financially stronger than 13% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.7%▲ +0.1 percentage points vs 01-2025
03-2025: 0.6%▼ -0.1 percentage points vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 1.0%▲ +0.3 percentage points vs 07-2025highest value
09-2025: 1.0%● unchanged vs 08-2025
10-2025: 0.9%▼ -0.1 percentage points vs 09-2025
11-2025: 0.9%● unchanged vs 10-2025
12-2025: 0.9%● unchanged vs 11-2025
01-2026: 0.9%● unchanged vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 0.4%▼ -0.5 percentage points vs 07-2026lowest value
09-2026: 0.4%● unchanged vs 08-2026lowest value
10-2026: 0.4%● unchanged vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€677,745
Loss of €95,942, the second in a row (financial year 2025)
lowers risk
Size: total assets €1.7m
No main activity registered
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 (no NACE code, micro). It does better than 5% of them on solvency, 11% on liquidity, 17% on profitability and 19% on growth.
The bankruptcy probability was computed on 05-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 1,251 companies had the same profile as 3 Angle Immo has now. Each dot stands for 4 companies, two years later.
96.6%
were still trading
2.1%
stopped another way
1.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of 3 Angle Immo itself: 0.4% 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 1,251 companies, not a prediction for 3 Angle Immo. 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 0.02 (0.01 in 2024), below 1. Short-term debt is 69.8% and cash 1.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€677,745
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 day early
2024
14 days early
2023
19 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 3 accounts on average 11 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- DE RIJCK Nathalie 100 sharesdeed of 01-02-2023
- SMIT David Chris Marcel 100 sharesdeed of 01-02-2023
- SWINNEN Inge Paula 100 sharesdeed of 01-02-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797752645
Incorporation
Founding capital of €7,500, 300 shares · Founders: DE RIJCK Nathalie, SMIT David Chris Marcel and SWINNEN Inge Paula · Appointments: SWINNEN Inge Paula, DE RIJCK Nathalie and SMIT David Chris Marcel · published on 01-02-2023 · Gazette deed
First establishment
Dorpsstraat 68, Lubbeek
Official details
Source: KBO- Status
- Active since 30-01-2023Normal situation
- Activity
- “Het verwerven,het behouden en beheren in de ruimste zin van het woord en het…” (deed in Dutch)From the articles, 9 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.342.782.6023210 Lubbeek, since 30-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Annual accounts 2025
- €1.7m▲ 5.4%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on 3 Angle Immo
3 Angle Immo files the micro format. That format states no turnover. The gross margin rose from -€44,311 in 2023 to €54,091 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets, financed with long-term debt.
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 3 Angle Immo
- What is the company number of 3 Angle Immo?
- The company number of 3 Angle Immo is 0797.752.645. The VAT number is the same number with BE in front: BE 0797.752.645.
- Where is 3 Angle Immo based?
- The registered office is at Dorpsstraat 68, 3210 Lubbeek.Company details
- What is the legal form of 3 Angle Immo?
- 3 Angle Immo is a private limited company (BV).
- When was 3 Angle Immo founded?
- 3 Angle Immo was founded on 30-01-2023.
- Is 3 Angle Immo still active?
- Yes, 3 Angle Immo is an active enterprise in the KBO register.
- What is the turnover of 3 Angle Immo?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €54,091 and 2,667 comparable companies of the same size. It probably lies between €110,000 and €280,000. It is a rough estimate.Financials
- Is 3 Angle Immo profitable?
- In financial year 2025, 3 Angle Immo made a loss of €95,942.
- Where can I find the annual accounts of 3 Angle Immo?
- 3 Angle Immo filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 3 Angle Immo due?
- 3 Angle Immo must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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