3 C CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €98k and a net result of €-70k. Equity is shrinking by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 20% of 7980 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 20%
← weakest
strongest →
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
16 d early
2023
31 d late
2022
22 d late
2021
31 d late
2020
24 d late
2019
28 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€98k▼ 41.7%
2024 · €169k
2018: €241k
2019: €374k
2020: €348k
2021: €699k
2022: €572k
2023: €275k
2024: €169k
2018 → 2025
Net result
€-70k▲ 33.7%
2024 · €-106k
2018: €4k
2019: €133k
2020: €-22k
2021: €350k
2022: €-105k
2023: €-297k
2024: €-106k
2018 → 2025
Total assets
€644k▼ 4.8%
2024 · €676k
2018: €1.09M
2019: €637k
2020: €829k
2021: €973k
2022: €1.06M
2023: €709k
2024: €676k
2018 → 2025
Solvency
15.3%▼ 9.7pp
2024 · 25.0%
2018: 22.1%
2019: 58.7%
2020: 42.0%
2021: 71.8%
2022: 53.9%
2023: 38.8%
2024: 25.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€699k-€572k▼ 18.2%€275k▼ 51.9%€169k▼ 38.6%€98k▼ 41.7%
Operating result€496k-€-98k€-290k▼ 196%€-83k▲ 71.3%€-52k▲ 37.2%
Net result€350k-€-105k€-297k▼ 183%€-106k▲ 64.3%€-70k▲ 33.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €52k in 2025 against €83k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €644k
Fixed assets
€185k▼ 14.6%
Current assets
€459k▼ 0.2%
Equity and liabilities €644k
Equity
€98k▼ 41.7%
Debt
€546k▲ 7.5%
The debt ratio rises from 75.0% to 84.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
15.3%▼
2024 · 25.0%
ROE
-71.5%▼
2024 · -62.8%
ROA
-10.9%▲
2024 · -15.7%
Debt
€546k▲
2024 · €507k
Debt ≤ 1 year
€188k▲
2024 · €150k
Debt > 1 year
€358k=
2024 · €358k
Income taxes
€0▼
2024 · €0
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€676k€644k▼
Fixed assets21/28€217k€185k▼
Tangible fixed assets22/27€214k€182k▼
Land and buildings22€212k€182k▼
Plant, machinery and equipment23€529€0▼
Furniture and vehicles24€1k€0▼
Financial fixed assets28€3k€3k=
Current assets29/58€460k€459k▼
Stocks and contracts in progress3€458k€458k=
Stocks30/36€458k€458k=
Amounts receivable within one year40/41€895€79▼
Other amounts receivable41€895€79▼
Cash at bank and in hand54/58€107€167▲
Deferred charges and accrued income490/1€204€209▲
Equity and liabilities
Total equity and liabilities10/49€676k€644k▼
Equity10/15€169k€98k▼
Contributions10/11€6k€6k=
Reserves13€670k€670k=
Tax-exempt reserves132€54k€0▼
Distributable reserves133€616k€670k▲
Profit (loss) carried forward14€-508k€-578k▼
Amounts payable17/49€507k€546k▲
Amounts payable after more than one year17€358k€358k=
Financial debts170/4€358k€358k=
Amounts payable within one year42/48€150k€188k▲
Trade debts44€6k€0▼
Suppliers440/4€6k€0▼
Taxes, remuneration and social security45€382€0▼
Taxes450/3€382€0▼
Other amounts payable47/48€144k€188k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€10k▼
Other operating charges640/8€8k€22k▲
Gross operating margin9900€-44k€-21k▲
Operating profit (loss)9901€-83k€-52k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€23k€18k▼
Recurring financial charges65€23k€18k▼
Profit (loss) for the period before taxes9903€-106k€-70k▲
Income taxes67/77€0€0▼
Profit (loss) for the period9904€-106k€-70k▲
Profit (loss) for the period to be appropriated9905€-106k€-70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-508k€-578k▼
Profit (loss) brought forward from the previous period14P€-402k€-508k▼
The notes to these accounts (10 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
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-297k
Net result drops to €-297k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €350k
Net result €350k after one loss-making year.
31-12
Financial
Equity above €500kEq €699k ▲100%
Equity rises from €348k to €699k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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
2 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, Berlare · 1 establishment unit since 2003
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.
Donkgoeddreef(B) 119290 BerlareGround area
1,362 m²
Building footprint
287 m²
Volume, LiDAR
1,372 m³
Parcel 42003A0746/00G000, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
3 C CONSULTING
since 20032.132.093.553
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003A0746/00G000 | Flanders | 1,362 m² | 1 · 287 m² | 9.9 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600TNRG1GXBK40Z28
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-2003
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.