3 M. A Concept
ActiveThe computed 12-month bankruptcy probability of 3 M. A Concept is 2.1% (moderate). The 2025 annual accounts show equity of €11k and a net result of €40k. Its solvency ranks better than 17% of 1902 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+30
Solvency38▼-7
Growth78
Track record82
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.16 in 2024; short-term debt: 82.6% and cash: 41.3% of total assets), and 86.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
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
13.1%
Return on assets
46.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 1902 sector peers (2025).
NBB · sector comparisonPosition among 1902 sector peers
Solvency
better than 17%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
14 d early
2024
10 d early
← 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
€11k▲ 79.9%
2024 · €6k
2024: €6k
2024 → 2025
Total assets
€86k▲ 171%
2024 · €32k
2024: €32k
2024 → 2025
Net result
€40k▲ 12,758%
2024 · €311
2024: €311
2024 → 2025
Working capital
€7k▲ 60.7%
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€6k-€11k▲ 79.9%
Operating result€430-€54k▲ 12,391%
Net result€311-€40k▲ 12,758%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 12,391% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€8k▲ 586%
Current assets
€78k▲ 163%
Equity and liabilities €86k
Equity
€11k▲ 79.9%
Debt
€75k▲ 193%
The debt ratio rises from 80.2% to 86.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2024 · €952
Cash flow
€44k▲
2024 · €833
Solvency
13.1%▼
2024 · 19.8%
Current ratio
1.09▼
2024 · 1.16
Quick ratio
0.75▼
2024 · 0.81
Debt / equity
6.62▲
2024 · 4.06
ROE
352.7%▲
2024 · 4.9%
ROA
46.3%▲
2024 · 1.0%
Interest coverage
150.08▲
2024 · 43.68
Debt
€75k▲
2024 · €26k
Debt ≤ 1 year
€71k▲
2024 · €26k
Debt > 1 year
€4k
Income taxes
€13k▲
2024 · €104
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€32k€86k▲
Formation expenses20€1k€731▼
Fixed assets21/28€1k€8k▲
Tangible fixed assets22/27€1k€8k▲
Plant, machinery and equipment23€1k€868▼
Furniture and vehicles24-€7k
Current assets29/58€30k€78k▲
Stocks and contracts in progress3€9k€24k▲
Contracts in progress37€9k€24k▲
Amounts receivable within one year40/41€13k€18k▲
Trade receivables40€13k€16k▲
Other amounts receivable41€118€2k▲
Cash at bank and in hand54/58€7k€36k▲
Deferred charges and accrued income490/1€372€372=
Equity and liabilities
Total equity and liabilities10/49€32k€86k▲
Equity10/15€6k€11k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€311€5k▲
Amounts payable17/49€26k€75k▲
Amounts payable after more than one year17-€4k
Financial debts170/4-€4k
Amounts payable within one year42/48€26k€71k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€937€3k▲
Suppliers440/4€937€3k▲
Advances received on contracts in progress46€23k€28k▲
Taxes, remuneration and social security45€1k€14k▲
Taxes450/3€102€12k▲
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48-€24k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€522€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8-€357
Gross operating margin9900€952€60k▲
Operating profit (loss)9901€430€54k▲
Financial income75/76B€8€64▲
Recurring financial income75€8€64▲
Non-recurring financial income76B€8-
Financial charges65/66B€22€382▲
Recurring financial charges65€22€382▲
Profit (loss) for the period before taxes9903€416€53k▲
Income taxes67/77€104€13k▲
Profit (loss) for the period9904€311€40k▲
Profit (loss) for the period to be appropriated9905€311€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€311€40k▲
Profit (loss) brought forward from the previous period14P-€311
Profit to be distributed694/7-€35k
Directors or managers695-€35k
The notes to these accounts (6 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Beloeil · 1 establishment unit since 2024
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.
Rue de Tournai (Sta) 1897973 BeloeilGround area
1,570 m²
Building footprint
95 m²
Volume, LiDAR
874 m³
Parcel 51532A0307/00Y000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
3 M. A Concept
since 20242.356.245.410
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51532A0307/00Y000 | Wallonia | 1,570 m² | 1 · 95 m² | 10.9 m · 3 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 3,986 companies in sector 25110 we hold annual accounts for 2,147. 815 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2024
Fiscal year end31-12
Activities, NACEBEL
25110Manufacture of metal structures and parts of structures
25530Machining of metals
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43320Joinery installation
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.