3B CONCEPTS
Active3B CONCEPTS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €33k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 40% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▲+3
Solvency53▼-11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.61 in 2024; short-term debt: 45.3% and cash: 19.6% of total assets), and 71.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
28.3%
Return on assets
4.2%
Age of the figures
9 mo
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
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 17-05-2026, 75 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
75 d early
2024
72 d early
2023
51 d early
2022
47 d early
2021
40 d late
2020
74 d early
2019
51 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€222k▼ 30.9%
2024 · €321k
2018: €220k
2019: €282k
2020: €349k
2021: €415k
2022: €289k
2023: €297k
2024: €321k
2018 → 2025
Total assets
€785k▼ 3.8%
2024 · €815k
2018: €904k
2019: €927k
2020: €970k
2021: €1.01M
2022: €828k
2023: €848k
2024: €815k
2018 → 2025
Net result
€33k▲ 36.3%
2024 · €24k
2018: €72k
2019: €63k
2020: €66k
2021: €67k
2022: €-127k
2023: €8k
2024: €24k
2018 → 2025
Working capital
€-191k▼ 113%
2024 · €-89k
2018: €-53k
2019: €2k
2020: €65k
2021: €102k
2022: €130k
2023: €31k
2024: €-89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€415k-€289k▼ 30.5%€297k▲ 2.9%€321k▲ 8.1%€222k▼ 30.9%
Operating result€113k-€54k▼ 52.3%€28k▼ 48.1%€48k▲ 71.9%€55k▲ 15.4%
Net result€67k-€-127k€8k€24k▲ 187%€33k▲ 36.3%
Turnover and EBIT margin not published: the abbreviated or 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 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €785k
Fixed assets
€620k▼ 8.3%
Current assets
€164k▲ 17.8%
Equity and liabilities €785k
Equity
€222k▼ 30.9%
Debt
€563k▲ 13.8%
The debt ratio rises from 60.6% to 71.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€107k▲
2024 · €100k
Cash flow
€85k▲
2024 · €76k
Solvency
28.3%▼
2024 · 39.4%
Current ratio
0.46▼
2024 · 0.61
Quick ratio
0.46▼
2024 · 0.61
Debt / equity
2.54▲
2024 · 1.54
ROE
14.8%▲
2024 · 7.5%
ROA
4.2%▲
2024 · 2.9%
Interest coverage
4.80▲
2024 · 4.68
Debt
€563k▲
2024 · €494k
Debt ≤ 1 year
€355k▲
2024 · €229k
Debt > 1 year
€207k▼
2024 · €264k
Income taxes
€218▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€815k€785k▼
Fixed assets21/28€676k€620k▼
Tangible fixed assets22/27€476k€425k▼
Land and buildings22€431k€395k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€37k€25k▼
Financial fixed assets28€200k€195k▼
Current assets29/58€140k€164k▲
Amounts receivable within one year40/41€9k€10k▲
Trade receivables40€8k€8k▲
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€128k€154k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€815k€785k▼
Equity10/15€321k€222k▼
Contributions10/11€19k€19k=
Reserves13€199k€67k▼
Tax-exempt reserves132€7k€7k=
Distributable reserves133€192k€60k▼
Profit (loss) carried forward14€103k€136k▲
Amounts payable17/49€494k€563k▲
Amounts payable after more than one year17€264k€207k▼
Financial debts170/4€264k€207k▼
Amounts payable within one year42/48€229k€355k▲
Current portion of amounts payable after more than one year42€59k€61k▲
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€10k€8k▼
Other amounts payable47/48€152k€285k▲
Accrued charges and deferred income492/3€1k€719▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€52k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€0▼
Other operating charges640/8€6k€6k▲
Gross operating margin9900€107k€114k▲
Operating profit (loss)9901€48k€55k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€21k€22k▲
Recurring financial charges65€21k€22k▲
Profit (loss) for the period before taxes9903€27k€33k▲
Income taxes67/77€3k€218▼
Profit (loss) for the period9904€24k€33k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€24k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€136k▲
Profit (loss) brought forward from the previous period14P€103k€103k=
Transfer from equity791/2-€132k
Transfer to equity691/2€24k€0▼
To other reserves6921€24k€0▼
Profit to be distributed694/7-€132k
Return on contributions (dividend)694-€132k
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-127k ▼290%
Net result drops to €-127k, the lowest in the series; recovery starts the following year.
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 40 days late
2021
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-06
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
2 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, Ternat · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Doelstraat 121741 TernatGround area
1,171 m²
Building footprint
163 m²
Volume, LiDAR
869 m³
Parcel 23091B0020/00M000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3B CONCEPTS
since 20102.189.774.802
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23091B0020/00M000 | Flanders | 1,171 m² | 1 · 163 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Bel 21
BE 0458.248.487
Aartselaar · Eq €220k
ASSURANTIES IMMOBILIEN CHRISTOFFELS
BE 0433.333.048
Bilzen-Hoeselt · Eq €224k
WAPITI
BE 0453.026.424
Temse · Eq €219k
INTEDE
BE 0405.008.256
Brussel · Eq €218k
TOJA
BE 0454.610.492
Liège · Eq €214k
Of 687 companies in sector 46412 we hold annual accounts for 517. 407 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2010
Fiscal year end31-12
Activities, NACEBEL
46412Wholesale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.