3.life
ActiveSummary
3.life has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €383k and a net result of €-114k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 48% of 213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-75
Solvency71▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 1.87 in 2024; short-term debt: 50% and cash: 0.7% of total assets), but 54.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 72
Relative position
BE, all sectors
reference
Sector 72
lower
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
14 d early
2023
on the day
2022
3 d early
2021
2 d early
2020
27 d late
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€383k▼ 23.0%
2024 · €498k
2018: €134k
2019: €-822k
2020: €-929k
2021: €-929k
2022: €-877k
2023: €-1,000k
2024: €498k
2018 → 2025
Total assets
€836k▼ 16.1%
2024 · €996k
2018: €874k
2019: €1.03M
2020: €1.24M
2021: €1.04M
2022: €1.35M
2023: €1.01M
2024: €996k
2018 → 2025
Net result
€-114k
2024 · €63k
2018: €35k
2019: €-956k
2020: €-107k
2021: €372
2022: €52k
2023: €-123k
2024: €63k
2018 → 2025
Working capital
€341k▼ 16.4%
2024 · €408k
2018: €141k
2019: €-1.31M
2020: €-1.26M
2021: €-1.19M
2022: €-1.02M
2023: €-682k
2024: €408k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-929k-€-877k▲ 5.6%€-1,000k▼ 14.1%€498k€383k▼ 23.0%
Operating result€-645-€65k€-101k€105k€-113k
Net result€372-€52k▲ 13,962%€-123k€63k€-114k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €113k after €105k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €836k
Fixed assets
€77k ▼ 35.2%
Current assets
€759k ▼ 13.5%
Equity and liabilities €836k
Equity
€383k ▼ 23.0%
Debt
€453k ▼ 9.2%
Debt's share of the balance-sheet total rises from 50.0% to 54.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-74k▼
2024 · €139k
Cash flow
€-75k▼
2024 · €98k
Current ratio
1.82▼
2024 · 1.87
Quick ratio
0.99▼
2024 · 1.13
Debt to equity
1.18▲
2024 · 1.00
ROE
-29.8%▼
2024 · 12.7%
ROA
-13.7%▼
2024 · 6.4%
Interest coverage
-12.46▼
2024 · 19.10
Debt ≤ 1 year
€418k▼
2024 · €470k
Income taxes
€0▼
2024 · €35k
Staff costs
€148
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€996k€836k▼
Fixed assets21/28€118k€77k▼
Intangible fixed assets21€115k€75k▼
Tangible fixed assets22/27€4k€1k▼
Plant, machinery and equipment23€216€0▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€240€240=
Current assets29/58€878k€759k▼
Stocks and contracts in progress3€347k€347k=
Stocks30/36€347k€347k=
Amounts receivable within one year40/41€511k€405k▼
Trade receivables40€421k€373k▼
Other amounts receivable41€90k€32k▼
Cash at bank and in hand54/58€18k€6k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€996k€836k▼
Equity10/15€498k€383k▼
Contributions10/11€1.44M€1.44M=
Reserves13€128k€128k=
Distributable reserves133€128k€128k=
Profit (loss) carried forward14€-1.07M€-1.19M▼
Amounts payable17/49€499k€453k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€470k€418k▼
Current portion of amounts payable after more than one year42€360k€360k=
Financial debts43€70€0▼
Credit institutions430/8€70€0▼
Trade debts44€100k€50k▼
Suppliers440/4€100k€50k▼
Advances received on contracts in progress46€0-
Other amounts payable47/48€10k€8k▼
Accrued charges and deferred income492/3€29k€35k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62-€148
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€39k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€232€0▼
Gross operating margin9900€141k€-72k▼
Operating profit (loss)9901€105k€-113k▼
Financial income75/76B€1k€5k▲
Recurring financial income75€1k€5k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€98k€-114k▼
Income taxes67/77€35k€0▼
Profit (loss) for the period9904€63k€-114k▼
Profit (loss) for the period to be appropriated9905€63k€-114k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1.07M€-1.19M▼
Profit (loss) brought forward from the previous period14P€-1.13M€-1.07M▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (15 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €63k
Net result €63k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.87
Current ratio from 0.58 to 1.87; short-term debt falls from €1.63M to €470k.
31-12
Financial
Equity above €200kEq €498k
Equity rises from €-1,000k to €498k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €372
Net result €372 after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-956k ▼2831%
Net result drops to €-956k, the lowest in the series; recovery starts the following year.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
16-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 77 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Elsene · 2 establishment units since 2016
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.
Louizalaan 3671050 ElseneGround area
723 m²
Building footprint
363 m²
Volume, LiDAR
4,739 m³
2 parcels, Brussels, Flanders · tallest building 34.0 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
3.LIFE
since 20162.269.270.359
Sint-Denijslaan 201, 9000 Gent
since 20262.386.464.571
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0317/00M000 | Flanders | 456 m² | 1 · 98 m² | 12.7 m · 4 fl. |
| 21807G0211/00W012 | Brussels | 266 m² | 1 · 265 m² | 34.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 7,500 EUR awarded · 7,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 4,307 EUR |
| 2024 | 1 | 7,500 EUR | 3,193 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2016
Fiscal year end31-12
Activities, NACEBEL 2025
72101Research and development on biotechnology
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.