3 TREES GROUP

Active

Private limited companyfounded 20215 yrs activeOnze-Lieve-Heersbeestjeslaan 76, 1170 Watermaal-Bosvoorde, BelgiumKBO/BCE: BE 0767.986.315

Summary

The computed 12-month bankruptcy probability of 3 TREES GROUP is 6.5% (elevated). The 2025 annual accounts show equity of €9,485 and a net result of €10,928. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 48% of 4059 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

3 TREES GROUPActiveChecked score 38/100

Risk analysis Report Compare

Activity

Full-service restaurants

NACE 56111Full-service restaurants NACE 56101Limited-service restaurants, excluding mobile food services NACE 56112

3 sites

Size

€34,053total assets 2025

Staff: 1.6 FTE
Equity: €9,485
Profit: €10,928

Financial health

38 Weak Checked score 2025

Bankruptcy chance 12 m: 6.5%

Structure

Accounts filed 29 d late0 of 3 deeds read

Why 38- Sector Food and beverage service activities (NACE 56)- Founded in 2021- Size: total assets €34,053- Latest accounts 29 days late; 1 of the last 3 lateShow the evidence

Checked score

Score 2025

38 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 64% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Average

Solvency 53

equity 27.9% of total assets

Liquidity 17

short-term debt 72.1% · cash 5.0%

Profitability 100

return on assets 32.1%

Bankruptcy probability, 12 months

6.5% Elevated

0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,449 companies)

Last 12 months 11-2025: 10.2% 12-2025: 11.7%▲ +14.9% vs 11-2025 01-2026: 14.1%▲ +20.5% vs 12-2025 02-2026: 14.1%● 0.0% vs 01-2026 03-2026: 14.3%▲ +1.3% vs 02-2026highest value 04-2026: 13.2%▼ -7.3% vs 03-2026 05-2026: 13.1%▼ -0.9% vs 04-2026 06-2026: 11.5%▼ -12.0% vs 05-2026 07-2026: 11.4%▼ -1.0% vs 06-2026 08-2026: 12.5%▲ +9.4% vs 07-2026 09-2026: 6.5%▼ -47.9% vs 08-2026lowest value 10-2026: 6.5%● 0.0% vs 09-2026lowest value

Sector Food and beverage service activities (NACE 56) raises the probability
Founded in 2021 raises the probability for this profile
Size: total assets €34,053 raises the probability for this profile
Latest accounts 29 days late; 1 of the last 3 late raises the probability

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.48; short-term debt: 72.1% and cash: 5% of total assets), and 72.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 48%, liquidity 15%, profitability 93%, growth against the median 99%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Sector Food and beverage service activities (NACE 56)

In the bankruptcy model this factor raises the probability.

KBO

Founded in 2021

In the bankruptcy model this factor raises the probability for this profile.

KBO

Size: total assets €34,053

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Latest accounts 29 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 4 filings

Deviation from the deadline

2025

29 d late

2024

279 d late

2023

30 d late

2022

32 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 93 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 1 September (3 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage