3 V SOFTWARE
ActiveSummary
3 V SOFTWARE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30,521 and a net result of €9,204. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 17220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+23
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 9.47 against 38.62 in 2024; short-term debt: 10.1% and cash: 95.3% of total assets), and 11.2% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer 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
88.8%
Return on assets
26.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
2 d early
2022
4 d early
2021
3 d early
2020
4 d early
2019
43 d early
← 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 8 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 29 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€30,521▲ 43.2%
2024 · €21,317
Total assets
€34,386▲ 54.3%
2024 · €22,281
Net result
€9,204▲ 504%
2024 · €1,524
Working capital
€29,365▲ 35.3%
2024 · €21,704
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related 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€4,020▲ 126%€2,817▼ 29.9%€1,934▼ 31.4%€2,149▲ 11.1%€12,736▲ 493%
Net result€2,895below the sector's middle half▲ 146%€2,013below the sector's middle half▼ 30.5%€1,359below the sector's middle half▼ 32.5%€1,524below the sector's middle half▲ 12.1%€9,204within the sector's middle half▲ 504%
Equity€16,421below the sector's middle half▲ 21.4%€18,434below the sector's middle half▲ 12.3%€19,793below the sector's middle half▲ 7.4%€21,317below the sector's middle half▲ 7.7%€30,521within the sector's middle half▲ 43.2%
Total assets€17,844below the sector's middle half▲ 23.7%€19,532below the sector's middle half▲ 9.5%€20,703below the sector's middle half▲ 6.0%€22,281below the sector's middle half▲ 7.6%€34,386below the sector's middle half▲ 54.3%
Debt€1,422▲ 58.1%€1,098▼ 22.8%€909▼ 17.2%€964▲ 6.0%€3,865▲ 301%
Working capital€15,646within the sector's middle half▲ 15.7%€18,016within the sector's middle half▲ 15.2%€19,734within the sector's middle half▲ 9.5%€21,704within the sector's middle half▲ 10.0%€29,365within the sector's middle half▲ 35.3%
Solvency92.0%above the sector's middle half▼ 1.7pp94.4%above the sector's middle half▲ 2.3pp95.6%above the sector's middle half▲ 1.2pp95.7%above the sector's middle half▲ 0.1pp88.8%above the sector's middle half▼ 6.9pp
Current ratio12.00above the sector's middle half▼ 4.0417.40above the sector's middle half▲ 5.4022.70above the sector's middle half▲ 5.3038.62above the sector's middle half▲ 15.939.47above the sector's middle half▼ 29.15
Return on assets (ROA)16.2%within the sector's middle half▲ 8.1pp10.3%within the sector's middle half▼ 5.9pp6.6%within the sector's middle half▼ 3.7pp6.8%within the sector's middle half▲ 0.3pp26.8%within the sector's middle half▲ 19.9pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 493% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34,386
Fixed assets
€1,555
Current assets
€32,831
Equity and liabilities €34,386
Equity
€30,521 ▲ 43.2%
Debt
€3,865 ▲ 301%
Debt's share of the balance-sheet total rises from 4.3% to 11.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12,955▲
2024 · €2,208
Cash flow
€9,423▲
2024 · €1,584
Debt to equity
0.13▲
2024 · 0.05
ROE
30.2%▲
2024 · 7.1%
Interest coverage
152.42▲
2024 · 27.55
Debt ≤ 1 year
€3,466▲
2024 · €577
Income taxes
€3,447▲
2024 · €555
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 31,370 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 | €298 | €358 | €358 | €60 | €220 | ▲ 269% |
| Gross operating margin9900 | €4,375 | €3,175 | €2,292 | €2,208 | €12,955 | ▲ 487% |
| Operating profit (loss)9901 | €4,020 | €2,817 | €1,934 | €2,149 | €12,736 | ▲ 493% |
| Financial income75/76B | - | - | €0 | €10 | €0 | ▼ 96.1% |
| Recurring financial income75 | - | - | €0 | €10 | €0 | ▼ 96.1% |
| Financial charges65/66B | - | €72 | €80 | €80 | €85 | ▲ 6.0% |
| Recurring financial charges65 | €71 | €72 | €80 | €80 | €85 | ▲ 6.0% |
| Profit (loss) for the period before taxes9903 | €3,949 | €2,745 | €1,854 | €2,079 | €12,651 | ▲ 509% |
| Income taxes67/77 | €1,054 | €733 | €495 | €555 | €3,447 | ▲ 521% |
| Profit (loss) for the period9904 | €2,895 | €2,013 | €1,359 | €1,524 | €9,204 | ▲ 504% |
| Profit (loss) for the period to be appropriated9905 | €2,895 | €2,013 | €1,359 | €1,524 | €9,204 | ▲ 504% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17,844 | €19,532 | €20,703 | €22,281 | €34,386 | ▲ 54.3% |
| Fixed assets21/28 | €775 | €418 | €60 | - | €1,555 | - |
| Tangible fixed assets22/27 | €775 | €418 | €60 | - | €1,555 | - |
| Furniture and vehicles24 | - | €418 | €60 | - | €1,555 | - |
| Current assets29/58 | €17,068 | €19,115 | €20,643 | €22,281 | €32,831 | ▲ 47.3% |
| Amounts receivable within one year40/41 | €1,583 | €2,307 | €23 | €27 | €17 | ▼ 35.6% |
| Trade receivables40 | - | €2,299 | - | - | - | - |
| Other amounts receivable41 | - | €8 | €23 | €27 | €17 | ▼ 35.6% |
| Current investments50/53 | - | - | - | €37 | €37 | ▲ 0.8% |
| Cash at bank and in hand54/58 | €15,485 | €16,808 | €20,620 | €22,218 | €32,776 | ▲ 47.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17,844 | €19,532 | €20,703 | €22,281 | €34,386 | ▲ 54.3% |
| Equity10/15 | €16,421 | €18,434 | €19,793 | €21,317 | €30,521 | ▲ 43.2% |
| Contributions10/11 | - | €6,400 | €6,400 | €6,400 | €6,400 | = |
| Reserves13 | €933 | €933 | €933 | €13,933 | €23,933 | ▲ 71.8% |
| Non-distributable reserves130/1 | - | €933 | €933 | €933 | €933 | = |
| Reserves not available under the articles1311 | - | €933 | €933 | €933 | €933 | = |
| Distributable reserves133 | - | - | - | €13,000 | €23,000 | ▲ 76.9% |
| Profit (loss) carried forward14 | €9,089 | €11,101 | €12,461 | €984 | €188 | ▼ 80.9% |
| Amounts payable17/49 | €1,422 | €1,098 | €909 | €964 | €3,865 | ▲ 301% |
| Amounts payable within one year42/48 | €1,422 | €1,098 | €909 | €577 | €3,466 | ▲ 501% |
| Trade debts44 | €368 | €366 | €415 | €22 | €18 | ▼ 17.4% |
| Suppliers440/4 | - | €366 | €415 | €22 | €18 | ▼ 17.4% |
| Taxes, remuneration and social security45 | - | €733 | €495 | €555 | €3,447 | ▲ 521% |
| Taxes450/3 | - | €733 | €495 | €555 | €3,447 | ▲ 521% |
| Accrued charges and deferred income492/3 | - | - | - | €387 | €400 | ▲ 3.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,895 | €2,013 | €1,359 | €1,524 | €9,204 | ▲ 504% |
| + Depreciation and write-downs630 | €298 | €358 | €358 | €60 | €220 | ▲ 269% |
| Operating cash flow (approximation) | €3,194 | €2,370 | €1,717 | €1,584 | €9,423 | ▲ 495% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €1,323 | €3,812 | €1,598 | €10,559 | ▲ 561% |
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €9,204 ▲504%
Operating result €12,736, net result €9,204, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €1,176 ▼70.9%
Net result drops to €1,176, the lowest in the series; recovery starts the following year.
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
21-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Dilbeek · 1 establishment unit since 2001
Ground area
217 m²
Building footprint
208 m²
Volume, LiDAR
1,659 m³
Parcel 23037B0026/00C000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
3 V SOFTWARE BVBA
since 20012.116.212.079
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23037B0026/00C000 | Flanders | 217 m² | 1 · 208 m² | 12.4 m · 3 fl. |
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.
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Of 30,009 companies in sector 62200 we hold annual accounts for 18,399. 14,287 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 (pre-2019)
Founded05-01-2001
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46500Wholesale of information and communication equipment
47400Retail sale of information and communication equipment
63100Computing infrastructure, data processing, hosting and related activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473718009
Also
9925:BE0473718009
Registered
07-10-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.