3 M C
ActiveSummary
3 M C has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109,659 and a net result of -€11,435. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 1065 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-68
Solvency45▼-55
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.9 against 29.55 in 2024; short-term debt: 5.5% and cash: 7.5% of total assets), but 80.5% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.5%
Return on assets
-2%
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 28-08-2026, 28 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
28 d late
2024
7 d late
2023
19 d late
2022
8 d late
2021
8 d late
2020
30 d late
2019
33 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€109,659▼ 9.4%
2024 · €121,095
Total assets
€561,577▲ 351%
2024 · €124,449
Net result
-€11,435
2024 · €195,399
Working capital
€58,705▼ 38.7%
2024 · €95,779
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€28,510€594▼ 97.9%-€13,175€195,399-€11,435
Net result€28,510above the sector's middle half€594within the sector's middle half▼ 97.9%-€13,175below the sector's middle half€195,399above the sector's middle half-€11,435below the sector's middle half
Equity€68,276above the sector's middle half▲ 71.7%€68,870above the sector's middle half▲ 0.9%€55,695within the sector's middle half▼ 19.1%€121,095above the sector's middle half▲ 117%€109,659within the sector's middle half▼ 9.4%
Total assets€71,827within the sector's middle half▲ 60.3%€88,626within the sector's middle half▲ 23.4%€64,248within the sector's middle half▼ 27.5%€124,449within the sector's middle half▲ 93.7%€561,577within the sector's middle half▲ 351%
Debt€3,551▼ 29.5%€19,755▲ 456%€8,553▼ 56.7%€3,355▼ 60.8%€30,924▲ 822%
Working capital€57,082▲ 76.0%€47,868▼ 16.1%€36,248▼ 24.3%€95,779▲ 164%€58,705▼ 38.7%
Solvency95.1%above the sector's middle half▲ 6.3pp77.7%above the sector's middle half▼ 17.3pp86.7%above the sector's middle half▲ 9.0pp97.3%above the sector's middle half▲ 10.6pp19.5%within the sector's middle half▼ 77.8pp
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
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 €11,435 after €195,399 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €561,577
Fixed assets
€471,948 ▲ 1,764%
Current assets
€89,629 ▼ 9.6%
Equity and liabilities €561,577
Equity
€109,659 ▼ 9.4%
Provisions
€420,994
Debt
€30,924 ▲ 822%
Debt's share of the balance-sheet total rises from 2.7% to 5.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3,091▼
2024 · €203,738
Cash flow
€3,091▼
2024 · €203,738
Current ratio
2.90▼
2024 · 29.55
Quick ratio
2.83▼
2024 · 28.88
Debt to equity
0.28▲
2024 · 0.03
ROE
-10.4%▼
2024 · 161.4%
ROA
-2.0%▼
2024 · 157.0%
Debt ≤ 1 year
€30,924▲
2024 · €3,355
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,508 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
1.7%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,508 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,851 | €6,526 | €7,123 | €8,339 | €14,526 | ▲ 74.2% |
| Gross operating margin9900 | €34,360 | €7,120 | -€6,052 | €203,738 | €3,091 | ▼ 98.5% |
| Operating profit (loss)9901 | €28,510 | €594 | -€13,175 | €195,399 | -€11,435 | ▼ 106% |
| Profit (loss) for the period before taxes9903 | €28,510 | €594 | -€13,175 | €195,399 | -€11,435 | ▼ 106% |
| Profit (loss) for the period9904 | €28,510 | €594 | -€13,175 | €195,399 | -€11,435 | ▼ 106% |
| Profit (loss) for the period to be appropriated9905 | €28,510 | €594 | -€13,175 | €195,399 | -€11,435 | ▼ 106% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €71,827 | €88,626 | €64,248 | €124,449 | €561,577 | ▲ 351% |
| Fixed assets21/28 | €11,194 | €21,002 | €19,448 | €25,315 | €471,948 | ▲ 1,764% |
| Tangible fixed assets22/27 | €11,194 | €21,002 | €19,448 | €25,315 | €471,948 | ▲ 1,764% |
| Plant, machinery and equipment23 | €11,194 | €21,002 | €19,448 | €25,315 | €471,948 | ▲ 1,764% |
| Current assets29/58 | €60,633 | €67,624 | €44,801 | €99,134 | €89,629 | ▼ 9.6% |
| Amounts receivable after more than one year29 | €1,487 | €1,487 | €1,487 | €1,487 | €1,487 | = |
| Other amounts receivable291 | €1,487 | €1,487 | €1,487 | €1,487 | €1,487 | = |
| Stocks and contracts in progress3 | €1,045 | €1,455 | €878 | €2,255 | €2,023 | ▼ 10.3% |
| Stocks30/36 | €1,045 | €1,455 | €878 | €2,255 | €2,023 | ▼ 10.3% |
| Amounts receivable within one year40/41 | €4,940 | €19,947 | €2,956 | €17,045 | €4,006 | ▼ 76.5% |
| Trade receivables40 | - | €19,017 | €2,956 | €17,045 | €4,006 | ▼ 76.5% |
| Other amounts receivable41 | €4,940 | €930 | - | - | - | - |
| Cash at bank and in hand54/58 | €22,860 | €28,734 | €23,479 | €38,199 | €42,213 | ▲ 10.5% |
| Deferred charges and accrued income490/1 | €30,300 | €16,000 | €16,000 | €40,149 | €39,900 | ▼ 0.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €71,827 | €88,626 | €64,248 | €124,449 | €561,577 | ▲ 351% |
| Equity10/15 | €68,276 | €68,870 | €55,695 | €121,095 | €109,659 | ▼ 9.4% |
| Contributions10/11 | €130,000 | €130,000 | €130,000 | €0 | - | - |
| Outside capital11 | €130,000 | €130,000 | €130,000 | €0 | - | - |
| Other1109/19 | €130,000 | €130,000 | €130,000 | €0 | - | - |
| Reserves13 | €2,296 | €2,296 | €2,296 | €2,296 | €2,296 | = |
| Non-distributable reserves130/1 | €2,296 | €2,296 | €2,296 | €2,296 | €2,296 | = |
| Reserves not available under the articles1311 | €2,296 | €2,296 | €2,296 | €2,296 | €2,296 | = |
| Profit (loss) carried forward14 | -€64,020 | -€63,426 | -€76,601 | €118,799 | €107,364 | ▼ 9.6% |
| Provisions and deferred taxes16 | - | - | - | - | €420,994 | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | €420,994 | - |
| Major repairs and maintenance162 | - | - | - | - | €420,994 | - |
| Amounts payable17/49 | €3,551 | €19,755 | €8,553 | €3,355 | €30,924 | ▲ 822% |
| Amounts payable within one year42/48 | €3,551 | €19,755 | €8,553 | €3,355 | €30,924 | ▲ 822% |
| Trade debts44 | €3,551 | €18,408 | €7,558 | - | €30,390 | - |
| Suppliers440/4 | €3,551 | €18,408 | €7,558 | - | €30,390 | - |
| Taxes, remuneration and social security45 | - | €1,347 | €995 | €3,355 | €534 | ▼ 84.1% |
| Taxes450/3 | - | €1,347 | €995 | €3,355 | €534 | ▼ 84.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,510 | €594 | -€13,175 | €195,399 | -€11,435 | ▼ 106% |
| + Depreciation and write-downs630 | €5,851 | €6,526 | €7,123 | €8,339 | €14,526 | ▲ 74.2% |
| Operating cash flow (approximation) | €34,360 | €7,120 | -€6,052 | €203,738 | €3,091 | ▼ 98.5% |
| Investment in fixed assets (approximation) | - | -€16,334 | -€5,569 | -€14,206 | -€461,159 | ▼ 3,146% |
| Change in cash | - | €5,874 | -€5,256 | €14,720 | €4,015 | ▼ 72.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
31-12
Financial
Back to profitnet €195,399
Net result €195,399 after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 29.55
Current ratio from 5.24 to 29.55; short-term debt falls from €8,553 to €3,355.
31-12
Financial
Equity above €100,000Eq €121,095 ▲117%
Equity rises from €55,695 to €121,095.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Back to profitnet €28,510
Net result €28,510 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 17.08
Current ratio from 7.44 to 17.08; short-term debt falls from €5,035 to €3,551.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €6,410
Net result €6,410 after one loss-making year.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
15-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Etterbeek · 3 establishment units since 2000
Ground area
711 m²
Building footprint
366 m²
Volume, LiDAR
4,647 m³
4 parcels, Brussels · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
3 establishment units
Mouss'à laver
since 20002.096.819.801
Mouss'à laver
since 20012.231.527.857
Mouss'à laver
since 20042.231.528.154
4 parcels
Brussels
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0342/00V007 | Brussels | 210 m² | - | - |
| 21363B0407/00W000 | Brussels | 179 m² | 1 · 88 m² | 18.2 m · 5 fl. |
| 21904B0455/00C006 | Brussels | 179 m² | 1 · 134 m² | 17.7 m · 4 fl. |
| 21363B0406/00F032 | Brussels | 142 m² | 1 · 143 m² | 13.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 998 companies in sector 96102 we hold annual accounts for 458. 345 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-10-2000
Fiscal year end31-12
Activities, NACEBEL 2025
96102Launderettes and laundries for private customers
92000Gambling and betting activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472880146
Also
9925:BE0472880146
Registered
17-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.