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Generated 15-08-2026
Active BE 0803.939.463Private limited company

3 VIGNOBLES

Rue de Mons (G.) 156 ·7011 Mons, Belgium· 3 yrs active
Sector: Cafés en bars (56301)
Conclusion Checked

The computed 12-month bankruptcy probability of 3 VIGNOBLES is 9.1% (elevated). The 2024 annual accounts show negative equity (€-10k) and a net result of €-13k. Its solvency ranks better than 19% of 5634 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-10k
Net result €-13k
Better than sector 19%
Active 3 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health25Profitability100Solvency39Growth-Stability79
61 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 25
Profitability 100
Solvency 39
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
9.1% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
25 / 100 Weak
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -28.8% 19.4%
better than 19% of 5634 sector peers
Net result €-13k €4k
better than 19% of 5623 sector peers
Equity €-10k €14k
better than 22% of 5646 sector peers
Gross operating margin €-6k €52k
better than 8% of 5609 sector peers
Staff costs €6k €49k
higher than 15% of 4078 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€-13k
Cash flow-
Staff costs€6k
Income taxes-
Dividends-
Total assets€33k
Equity€-10k
Debt€43k
of which ≤ 1y€43k
of which > 1y-
Working capital€-10k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.78
Quick ratio0.78
Working capital ratio-28.8%
Solvency-28.8%
Debt / equity-4.47
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-37.9%
ROE131.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€33k
Current assets 29/58€33k
Amounts receivable within one year 40/41€21k
Cash & bank 54/58€12k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€33k
Equity 10/15€-10k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€-13k
Amounts payable 17/49€43k
Amounts payable within one year 42/48€43k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€-6k
Operating result 9901€-12k
Financial income 75€188
Financial charges 65€553
Result before taxes 9903€-13k
Net result for the period 9904€-13k
Result to be appropriated 9905€-13k
Ratios computed by Checked.
Directors & mandates 5 directors
Current directors & mandates
  • Ahmed Moujtahid
    Director
    State Gazette act 25107868 (26-08-2025)
    Current
    18-08-2025 → present
  • Paci Maxime
    Director
    State Gazette act 25107868 (26-08-2025)
    Current
    18-08-2025 → present
Former directors (3)
  • Cagnina Baptiste
    Director
    State Gazette act 25107868 (26-08-2025)
    Former
    - → 18-08-2025
  • Nonclercq Alisson
    Director
    State Gazette act 25107868 (26-08-2025)
    Former
    - → 18-08-2025
  • Vanhelleputte Sacha
    Director
    State Gazette act 25107868 (26-08-2025)
    Former
    - → 18-08-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Cafés en bars(56301)
Legal form Private limited company(610)
Incorporation13-07-2023
StatusActive
Postal code7011
Establishment units 1 location
3 VIGNOBLES
Rue de Mons (G.) 156, 7011 MonsHandelsbemiddeling in de groothandel in voedings- en genotmiddelen
since 20232.348.036.339
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53030B0154/00G008 Wallonia 348 m² 1 · 122 m² 7.1 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
29-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
26-08-2025
State Gazette act Capital & shares
Belgisch Staatsblad, acts 1 acts
Capital history · 1
26-08-2025
Capital change
All acts · 1 updated 11 months ago
2025
26-08-2025 All shares are now held by a single shareholder Capital & shares
Technical details 
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          "name": "Paci Maxime",
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          "contribution_amount_eur": null
        },
        {
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          "name": "Moujtahid Ahmed",
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      "kind": "share_class_creation",
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      "share_emission": {
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        "nominal_value_eur": null,
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  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-08-26",
    "filing_date": "2025-08-18",
    "act_kind_objet": "Objet de l\u0027acte :"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2025-08-18",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2025-07-17"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0803.939.463",
    "name_full": "3 VIGNOBLES",
    "legal_form": "SOCIETE A RESPONSABILITE LIMITEE",
    "is_foreign_registered": false
  },
  "publication_proxy": {
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  "co_filed_documents": [],
  "shareholders_after": [
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      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Paci Maxime",
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      "n_shares": 150,
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  "share_classes_after": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Cafés en bars56301Cafés en bars56301Handelsbemiddeling in voedings- en genotmiddelen46170Handelsbemiddeling in de groothandel in voedings- en genotmiddelen46170Groothandel in dranken, algemeen assortiment46349Groothandel in dranken, algemeen assortiment46349Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300Overige vormen van onderwijs85599Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
Legal nameFR 3 VIGNOBLES
Registered office
Rue de Mons (G.) 156
7011 Mons, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative