3 TECH
ActiveSummary
3 TECH has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €18k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 13417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+4
Solvency96▼-4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 3.46 in 2024; short-term debt: 29.4% and cash: 34.6% of total assets), and 29.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
70.6%
Return on assets
9.7%
Age of the figures
9 mo
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
40 d early
2023
9 d early
2022
49 d early
2021
40 d early
2020
31 d late
2019
52 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€132k▼ 14.9%
2024 · €155k
2018: €117klowest in 8 years
2019: €131k▲ +12.6% vs 2018
2020: €131k▼ -0.2% vs 2019
2021: €174k▲ +32.8% vs 2020
2022: €203k▲ +16.9% vs 2021highest in 8 years
2023: €174k▼ -14.4% vs 2022
2024: €155k▼ -11.1% vs 2023
2025: €132k▼ -14.9% vs 2024
2018 → 2025
Total assets
€187k▲ 1.1%
2024 · €185k
2018: €199k
2019: €203k▲ +2.3% vs 2018
2020: €269k▲ +32.1% vs 2019highest in 8 years
2021: €242k▼ -10.1% vs 2020
2022: €252k▲ +4.4% vs 2021
2023: €220k▼ -12.6% vs 2022
2024: €185k▼ -16.2% vs 2023lowest in 8 years
2025: €187k▲ +1.1% vs 2024
2018 → 2025
Net result
€18k▲ 45.2%
2024 · €12k
2018: €18k
2019: €15k▼ -18.7% vs 2018
2020: €26k▲ +80.6% vs 2019
2021: €44k▲ +65.3% vs 2020highest in 8 years
2022: €29k▼ -32.9% vs 2021
2023: €10k▼ -65.4% vs 2022lowest in 8 years
2024: €12k▲ +22.3% vs 2023
2025: €18k▲ +45.2% vs 2024
2018 → 2025
Working capital
€55k▼ 24.5%
2024 · €73k
2018: €159k
2019: €166k▲ +4.9% vs 2018highest in 8 years
2020: €69k▼ -58.2% vs 2019
2021: €114k▲ +64.1% vs 2020
2022: €138k▲ +21.5% vs 2021
2023: €97k▼ -29.9% vs 2022
2024: €73k▼ -25.2% vs 2023
2025: €55k▼ -24.5% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€174k-€203k▲ 16.9%€174k▼ 14.4%€155k▼ 11.1%€132k▼ 14.9%
2021: €174k
2022: €203k▲ +16.9% vs 2021highest in 5 years
2023: €174k▼ -14.4% vs 2022
2024: €155k▼ -11.1% vs 2023
2025: €132k▼ -14.9% vs 2024lowest in 5 years
Operating result€61k-€47k▼ 23.2%€18k▼ 60.9%€22k▲ 20.1%€29k▲ 32.0%
2021: €61khighest in 5 years
2022: €47k▼ -23.2% vs 2021
2023: €18k▼ -60.9% vs 2022lowest in 5 years
2024: €22k▲ +20.1% vs 2023
2025: €29k▲ +32.0% vs 2024
Net result€44k-€29k▼ 32.9%€10k▼ 65.4%€12k▲ 22.3%€18k▲ 45.2%
2021: €44khighest in 5 years
2022: €29k▼ -32.9% vs 2021
2023: €10k▼ -65.4% vs 2022lowest in 5 years
2024: €12k▲ +22.3% vs 2023
2025: €18k▲ +45.2% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€77k ▼ 6.6%
Current assets
€110k ▲ 7.3%
Equity and liabilities €187k
Equity
€132k ▼ 14.9%
Debt
€55k ▲ 84.6%
Debt's share of the balance-sheet total rises from 16.1% to 29.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €29k
Cash flow
€26k▲
2024 · €20k
Current ratio
2.00▼
2024 · 3.46
Debt to equity
0.42▲
2024 · 0.19
ROE
13.7%▲
2024 · 8.0%
ROA
9.7%▲
2024 · 6.7%
Interest coverage
11.46▲
2024 · 7.13
Debt ≤ 1 year
€55k▲
2024 · €30k
Income taxes
€8k▲
2024 · €6k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€185k€187k▲
Fixed assets21/28€82k€77k▼
Tangible fixed assets22/27€82k€77k▼
Land and buildings22€67k€61k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26€11k€10k▼
Current assets29/58€102k€110k▲
Amounts receivable within one year40/41€67k€43k▼
Trade receivables40€51k€43k▼
Other amounts receivable41€16k€0▼
Cash at bank and in hand54/58€34k€65k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€185k€187k▲
Equity10/15€155k€132k▼
Contributions10/11€19k€19k=
Reserves13€136k€113k▼
Distributable reserves133€136k€113k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€30k€55k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€30k€55k▲
Current portion of amounts payable after more than one year42€7k€0▼
Trade debts44€2k€702▼
Suppliers440/4€2k€702▼
Taxes, remuneration and social security45€6k€10k▲
Taxes450/3€6k€7k▲
Remuneration and social security454/9€0€3k▲
Other amounts payable47/48€15k€44k▲
Accrued charges and deferred income492/3€160€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€514€552▲
Gross operating margin9900€30k€37k▲
Operating profit (loss)9901€22k€29k▲
Financial income75/76B€323€590▲
Recurring financial income75€323€590▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€18k€26k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€12k€18k▲
Profit (loss) for the period to be appropriated9905€12k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€18k▲
Transfer from equity791/2€32k€41k▲
Transfer to equity691/2€12k€18k▲
To other reserves6921€12k€18k▲
Profit to be distributed694/7€32k€41k▲
Return on contributions (dividend)694€32k€41k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €7k | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €6k | €7k | €7k | €8k | ▲ 5.2% |
| Other operating charges640/8 | €2k | €1k | €969 | €514 | €552 | ▲ 7.5% |
| Gross operating margin9900 | €73k | €54k | €26k | €30k | €37k | ▲ 25.0% |
| Operating profit (loss)9901 | €61k | €47k | €18k | €22k | €29k | ▲ 32.0% |
| Financial income75/76B | €4k | €3k | €61 | €323 | €590 | ▲ 82.7% |
| Recurring financial income75 | €4k | €3k | €61 | €323 | €590 | ▲ 82.7% |
| Financial charges65/66B | €2k | €2k | €4k | €4k | €3k | ▼ 22.0% |
| Recurring financial charges65 | €2k | €2k | €4k | €4k | €3k | ▼ 22.0% |
| Profit (loss) for the period before taxes9903 | €63k | €48k | €14k | €18k | €26k | ▲ 45.1% |
| Income taxes67/77 | €19k | €19k | €4k | €6k | €8k | ▲ 44.9% |
| Profit (loss) for the period9904 | €44k | €29k | €10k | €12k | €18k | ▲ 45.2% |
| Profit (loss) for the period to be appropriated9905 | €44k | €29k | €10k | €12k | €18k | ▲ 45.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €242k | €252k | €220k | €185k | €187k | ▲ 1.1% |
| Fixed assets21/28 | €84k | €81k | €85k | €82k | €77k | ▼ 6.6% |
| Tangible fixed assets22/27 | €84k | €81k | €85k | €82k | €77k | ▼ 6.6% |
| Land and buildings22 | €83k | €77k | €72k | €67k | €61k | ▼ 8.0% |
| Plant, machinery and equipment23 | - | - | €3k | €3k | €3k | ▲ 29.6% |
| Furniture and vehicles24 | €1k | €3k | €3k | €2k | €2k | ▲ 1.1% |
| Other tangible fixed assets26 | - | - | €7k | €11k | €10k | ▼ 7.8% |
| Current assets29/58 | €158k | €171k | €135k | €102k | €110k | ▲ 7.3% |
| Amounts receivable after more than one year29 | €110k | €0 | - | - | - | - |
| Other amounts receivable291 | €110k | €0 | - | - | - | - |
| Amounts receivable within one year40/41 | €41k | €33k | €43k | €67k | €43k | ▼ 36.3% |
| Trade receivables40 | €41k | €22k | €26k | €51k | €43k | ▼ 16.3% |
| Other amounts receivable41 | - | €11k | €17k | €16k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €6k | €138k | €91k | €34k | €65k | ▲ 88.4% |
| Deferred charges and accrued income490/1 | €639 | €563 | €2k | €1k | €2k | ▲ 136% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €242k | €252k | €220k | €185k | €187k | ▲ 1.1% |
| Equity10/15 | €174k | €203k | €174k | €155k | €132k | ▼ 14.9% |
| Contributions10/11 | €57k | €57k | €19k | €19k | €19k | = |
| Reserves13 | €118k | €147k | €155k | €136k | €113k | ▼ 17.0% |
| Non-distributable reserves130/1 | €6k | €6k | €0 | - | - | - |
| Reserves not available under the articles1311 | €6k | €6k | €0 | - | - | - |
| Distributable reserves133 | €112k | €141k | €155k | €136k | €113k | ▼ 17.0% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €68k | €49k | €46k | €30k | €55k | ▲ 84.6% |
| Amounts payable after more than one year17 | €24k | €16k | €7k | €0 | - | - |
| Financial debts170/4 | €24k | €16k | €7k | €0 | - | - |
| Amounts payable within one year42/48 | €44k | €33k | €38k | €30k | €55k | ▲ 85.6% |
| Current portion of amounts payable after more than one year42 | €7k | €14k | €14k | €7k | €0 | ▼ 100% |
| Trade debts44 | €5k | €3k | €1k | €2k | €702 | ▼ 54.1% |
| Suppliers440/4 | €5k | €3k | €1k | €2k | €702 | ▼ 54.1% |
| Taxes, remuneration and social security45 | €17k | €16k | €9k | €6k | €10k | ▲ 63.2% |
| Taxes450/3 | €17k | €16k | €6k | €6k | €7k | ▲ 14.3% |
| Remuneration and social security454/9 | - | - | €3k | €0 | €3k | - |
| Other amounts payable47/48 | €14k | €0 | €13k | €15k | €44k | ▲ 201% |
| Accrued charges and deferred income492/3 | - | - | €640 | €160 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44k | €29k | €10k | €12k | €18k | ▲ 45.2% |
| + Depreciation and write-downs630 | €10k | €6k | €7k | €7k | €8k | ▲ 5.2% |
| Operating cash flow (approximation) | €54k | €35k | €17k | €20k | €26k | ▲ 30.3% |
| Investment in fixed assets (approximation) | - | €-3k | €-11k | €-5k | €-2k | ▲ 49.3% |
| Change in cash | - | €132k | €-47k | €-56k | €30k | ▲ 154% |
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €10k ▼65.4%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €203k ▲16.9%
5 profitable years in a row build equity to €203k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €44k ▲65.3%
Operating result €61k, net result €44k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.59
Current ratio from 1.66 to 3.59; short-term debt falls from €105k to €44k.
31-12
Financial
Equity above €150kEq €174k ▲32.8%
4 profitable years in a row build equity to €174k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
Show earlier events
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
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.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Merchtem · 1 establishment unit since 2001
Ground area
1,049 m²
Building footprint
134 m²
Volume, LiDAR
1 m³
Parcel 23052G0145/00T000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Tsé Tsé Café
since 20012.116.603.643
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23052G0145/00T000 | Flanders | 1,049 m² | 1 · 134 m² | 0.1 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0473.988.718
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JEOFFREY VAN DER EECKEN
BE 0668.652.771
Wichelen · Eq €131,668
DABOMA
BE 0455.392.630
Kortrijk · Eq €131,906
HET DAMBERD
BE 0426.697.555
Izegem · Eq €131,943
Of 14,006 companies in sector 56301 we hold annual accounts for 4,888. 3,460 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
Founded12-07-2001
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.