Debts
€90,606 ▲ 260%
Debts rose by €65,451 in 2025.
3B CONSTRUCT
Overview
Lifetime
4 annual accounts with figures on one time axispeak €58,719 (2025)
€58,719▲ 48.1%
lowest -€6,596 (2024)
€18,959▲ €25,554
peak €51,461 (2025)
€51,461▲ 58.3%
€90,606▲ 260%
peak 0.7 FTE (2023)
-not published
Board1 name since 2021
1 director
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from €39,640 to €58,719Back to profit: €18,959Equity from €32,503 to €51,461Debts from €25,155 to €90,606Cash from €8,644 to €3,920
Key points
from the 2025 annual accountsFilings
4 annual accounts 2 late
The 2024 accounts came latest: 64 days after the end of the period.
Position in the sector
€51,461
Less equity than 84% of companies in specialised construction. Sector median €340,458 · 9,273 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 26,969 companies had the same profile as 3B CONSTRUCT has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,969 companies, not a prediction for 3B CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0777275549
Incorporation
Founding capital of €2,000, 100 shares · Founder: · Appointment: (director) · published on 16-11-2021 · Gazette deed
First establishment
Chaussée de Louvain 1058, Namur
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 3B CONSTRUCT Namur | €142,067 | €58,719 | 36.2% | - |
| EGNATIA Beernem | €158,914 | €53,832 | 32.3% | - |
| ALL CONSTRUCT PROFIT Anderlecht | €156,968 | €60,630 | 15.0% | - |
| GRONDWERKEN HALLAERT Zedelgem | €161,806 | €65,564 | 90.4% | - |
| System D Péruwelz | €129,701 | €53,746 | 61.3% | - |
| YLIAS CONSTRUCT Meise | €163,473 | €63,226 | 54.0% | - |
| Huylebroeck Dendermonde | €121,242 | €59,414 | 22.5% | - |
These companies have the same main activity as 3B CONSTRUCT: site preparation (NACE 43120). They are comparable in size and age: total assets between €121,000 and €163,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 10-11-2021Normal situation
- Activity
- Site preparationNACE 43120and 5 others
- Establishment unit
- 2.326.104.6395022 Namur, since 10-11-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 28-01-2026
Annual accounts 2025
- €58,719▲ 48.1%
- ≈ €250,000estimated
- €18,959
- €51,461▲ 58.3%
- €142,067▲ 146%
- 0.8 FTE▼ 38.5%
- Filing
- Filed on 31-08-2026
Insights on 3B CONSTRUCT
3B CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from €49,405 in 2022 to €58,719 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 31-08-2026, 31 days late€58,719
▲ 48.1%
€22,567
▲ €29,956
€18,959
▲ €25,554
€51,461
▲ 69.9%
36.2%
▼ 20.1 percentage points
1.57
▼ 0.64
The turnover shown is an estimate from the gross margin.
Turnover ≈ €250,000. Estimated: probably between €180,000 and €420,000.
Balance sheet
balance sheet total €142,067 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
36.2%
Higher than 40% of 9,273 companies in 2025.
1.57
Higher than 44% of 9,196 companies in 2025.
13.3%
Higher than 77% of 9,241 companies in 2025.
3B CONSTRUCT
Middle half of the sector
80% of the sector
Abbreviated accounts in specialised construction (NACE 43)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half · Staff: bottom quarter
Staff
€41,855
Staff costs divided by the average number of full-time equivalents.
-1 person
people who joined
people who left
In 2025, nobody joined and 1 person left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
142,067 | 57,658 | 66,553 | 58,449 | |
21/28 |
- | 2,215 | 4,815 | - | |
22/27 |
- | 2,215 | 4,815 | - | |
24 |
- | 2,215 | 4,815 | - | |
29/58 |
142,067 | 55,443 | 61,738 | 58,449 | |
40/41 |
138,147 | 46,798 | 21,815 | 24,423 | |
40 |
107,907 | 23,359 | 11,201 | 17,486 | |
41 |
30,240 | 23,440 | 10,613 | 6,938 | |
54/58 |
3,920 | 8,644 | 39,923 | 34,026 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
142,067 | 57,658 | 66,553 | 58,449 | |
10/15 |
51,461 | 32,503 | 39,099 | 38,993 | |
10/11 |
2,000 | 2,000 | 2,000 | 2,000 | |
10 |
2,000 | 2,000 | 2,000 | 2,000 | |
100 |
2,000 | 2,000 | 2,000 | 2,000 | |
14 |
49,461 | 30,503 | 37,099 | 36,993 | |
17/49 |
90,606 | 25,155 | 27,455 | 19,456 | |
42/48 |
90,606 | 25,155 | 27,455 | 19,456 | |
44 |
79,771 | 23,413 | 7,599 | 7,106 | |
440/4 |
79,771 | 23,413 | 7,599 | 7,106 | |
45 |
10,835 | 1,743 | 19,855 | 12,350 | |
450/3 |
8,140 | - | 11,129 | 12,350 | |
454/9 |
2,695 | 1,743 | 8,726 | - | |
| Income statement | |||||
9900 |
58,719 | 39,640 | 31,369 | 49,405 | |
62 |
33,484 | 43,509 | 30,442 | - | |
630 |
2,215 | 2,600 | 385 | - | |
640/8 |
452 | 921 | 580 | 361 | |
9901 |
22,567 | -7,389 | -38 | 49,044 | |
75/76B |
1,487 | 856 | 389 | 386 | |
75 |
1,487 | 856 | 389 | 386 | |
65/66B |
210 | 62 | 111 | 87 | |
65 |
210 | 62 | 111 | 87 | |
9903 |
23,844 | -6,595 | 241 | 49,343 | |
67/77 |
4,885 | 0 | 135 | 12,350 | |
9904 |
18,959 | -6,596 | 105 | 36,993 | |
9905 |
18,959 | -6,596 | 105 | 36,993 | |
| Appropriation of the result | |||||
9906 |
49,461 | 30,503 | 37,099 | 36,993 | |
14P |
30,503 | 37,099 | 36,993 | - | |
| Social balance sheet | |||||
9087 |
0.8 | 1.3 | 0.7 | - | |
Hours worked1013 |
1,184 | 1,575 | 1,054 | - | |
| Document | |||||
The notes to these accounts have 3 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00502283.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 24,782 | -4,789 | 347 | - | ||
| 21,174 | -3,996 | 490 | - | ||
| 0 | 0 | 5,200 | - | ||
| -4,724 | -31,279 | 5,897 | - | ||
| 51,461 | 30,287 | 34,283 | 38,993 | ||
| 36.2% | 56.4% | 58.7% | 66.7% | ||
| 1.57 | 2.20 | 2.25 | 3.00 | ||
| 1.76 | 0.77 | 0.70 | 0.50 | ||
| 36.8% | -20.3% | 0.3% | 94.9% | ||
| 13.3% | -11.4% | 0.2% | 63.3% | ||
| over 100 | -77.19 | 3.14 | - |
EBIT margin: not included in this filing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 |
|---|---|---|---|
| Employees at the balance-sheet date | - | 1 | 1 |
| full-time | - | 1 | 1 |
| in full-time equivalents | - | 1 | 1 |
| 0.8 | 1.3 | 0.7 | |
| On a permanent contract | - | 1 | 1 |
| Joined | 0 | 1 | 2 |
| Left | 1 | 1 | 1 |
| Training hours | - | 256 | - |
Source: social balance sheet in the 2023 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | - | €5,200 | - |
| €2,215 | €2,600 | €385 | - |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on 3B CONSTRUCT
The operating result for 2025 is a profit of €22,567, after a loss of €7,389 in 2024. It is the highest result since 2022.
Debt's share of the balance-sheet total rises from 43.6% to 63.8%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationMandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 16-11-2021, still in office
Control
Founder
This company
3B CONSTRUCT
Equity €51,461
Profit €18,959 in 2025
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €515 in 2025
- Source
- deed of 16-11-2021
Articles of association
deed of 16-11-2021 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Fixe ou proportionnelle, assemblée générale à la majorité absolue des voix ou actionnaire unique”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Nullité, moitié au moins des actionnaires possédant les trois quarts au moins des actions déduction faite des actions dont la cession est…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June at 18:00
Shareholders
At incorporation
deed of 16-11-2021 ↗
- 100 shares (100%) · €2,000 in cash
Network & group
No group
3B CONSTRUCT has no parent and no holdings in its annual accounts. is the only director. 3B CONSTRUCT shares no director with another company.
Timeline
Timeline
9 events since 2021Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBabbreviated format · 31 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0777275549
2025
Back to profit net €18,959 The net result is €18,959, after one loss-making year.
Annual accounts 2024 filed PDFfull format · 64 days late
2024
Weakest financial year net -€6,596 The net result drops to -€6,596, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFfull format · 33 days before the deadline
2023
Annual accounts 2022 filed PDFfull format · 25 days before the deadline
2021
IncorporationFounding capital of €2,000, 100 shares · Founder: · Appointment: (director) · published on 16-11-20215 points ▸
- Founder,
- Founding capital, €2,000, 100 shares
- Registered office clause, Chaussée de Louvain 1058/2, 5022 Cognelée
- Board rule, 1
- Director appointment, (director (not named in the articles))
- The deed holds 6 more points.
First establishment Chaussée de Louvain 1058, Namur
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
3B CONSTRUCT was incorporated on 10 November 2021 as a private limited company by one natural person, with a starting capital of €2,000.12 is director of the company, appointed by deed of 16-11-2021.2 Total assets rose from €58,449 in 2022 to €142,067 in 2025 and headcount from 0.7 full-time equivalents in 2023 to 0.8 in 2025.3
Company details
Identity
- Enterprise number
- 0777.275.549
- VAT number
- BE 0777.275.549
- Peppol ID
- 0208:0777275549
- Other Peppol ID
- 9925:BE0777275549
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 10-11-2021
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Thursday of June at 18:00deed of 16-11-2021 (in French)
- Peppol
- Reachable since 28-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- 3B CONSTRUCT in French
- Name in the Peppol Directory
- 3 B CONSTRUCT
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-11-2021 (in French)
- Name clauseThe company operates under this name according to its articles.
- 3B CONSTRUCTdeed of 16-11-2021 (in French)
Activities
NACEBEL 2025VAT activities
43120
Site preparation main activity
43230
Insulation installation
Social security (RSZ) activities
41001
General construction of residential buildings main activity
Codes under NACEBEL 2008
VAT activities
43120
Site preparation main activity
25110
Manufacture of metal structures and parts of structures
41201
General construction of buildings
43291
Specialised construction activities
43390
Specialised construction activities
46731
Wholesale trade
Social security (RSZ) activities
41201
General construction of buildings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toute opérations et entreprises de travaux publics,privés et de bâtiments; Maîtrise d’œuvre générale de projets de bâtiments,tant sur…”deed of 16-11-2021 (in French)
34 activities
- Toute opérations et entreprises de travaux publics,privés et de bâtiments
- Maîtrise d’œuvre générale de projets de bâtiments,tant sur l’étude,la conception,le choix des intervenants et le suivi de la réalisation des ouvrages
- L’entreprise générale de la construction,de pose de carrelages,de peintures,de maçonneries et de béton,de chapes de tous types,de fondations de tous types,de menuiseries et charpentes,de plafonnage et de cimentage
- Toutes activités liées à l’entreprise générale de construction ainsi que toutes transformations ayant un lien quelconque avec la construction dont l’entreprise générale de construction,avec le cas échéant,coordination des travaux par soustraitants
- Toutes opérations ayant trait directement ou indirectement aux applications générales de l’électricité,comprenant notamment les travaux d’installation électrique au sens large,d’éclairage,de force motrice,de téléphonie,d’alarme,de domotique,d’automation et de distribution,sans que cette énumération soit limitative,mais au contraire exemplative,pour autant que ces activités aient un rapport direct ou indirect avec les applications de l’électricité
- L’entreprise d'installation d'échafaudages,de rejointoiement et nettoyage des façades,de démolition de bâtiments et d'ouvrages d'art,de travaux de pose de câbles et de canalisations diverses,de placement de clôtures,de travaux d'étanchéité et revêtements de construction par asphaltage et bitumage,d'assèchement de constructions autrement que par le bitume et l'asphalte,d'isolation thermique et acoustique,d'installation de panneaux et d’ardoises solaires,de systèmes de ventilation,de chauffage à air chaud ou chauffage central de tous types,de conditionnement d'air et de tuyauteries industrielles,de placement de paratonnerres,de placement de ferronnerie,de volets et de menuiseries métalliques,le commerce de détail en matériaux de construction,et produits d'entretien,en articles sanitaires,le commerce de détail et le placement d'articles en matière plastique ou produits synthétiques
- La réalisation de fondations ou socles de soutènement en tous genre
- La création et l’entretien de jardins,de parcs et d’espaces verts pour installations sportives
- Les activités de désinfection et de destruction des parasites dans les bâtiments
- Le ramonage des cheminées et le nettoyage des âtres,fourneaux,incinérateurs des chaudières,gaines de ventilation et des dispositifs d’évacuation des fumées
- Le nettoyage à la vapeur,le sablage et les activités analogues appliquées aux parties extérieures des bâtiments
- Le montage de menuiseries extérieures et intérieures,notamment en bois et « PVC »,à savoir,à titre illustratif et non exhaustif,la fabrication,la vente,le montage de portes,fenêtre,escalier,placards,cuisines équipées,équipement pour magasin,dormants de portes et fenêtre,portes de garages,volets,etc;la vitrerie
- Le montage menuiseries extérieurs et intérieurs métallique,à savoir,à titre illustratif et non exhaustif,la fabrication,la vente,le montage de portes,fenêtre,dormants de portes et fenêtres,escaliers,placards,cuisines équipées,équipement pour magasin,etc
- Le montage de cloisons;le revêtement de murs,de plafonds,de fauxplafonds,et ce en tous matériaux
- Tous travaux d’isolation
- Le plafonnage,le cimentage,la pose de chape,la pose de plaques de plâtre ou de panneaux « OSB » de tous types
- L’entreprise de peinture intérieure et extérieure,de recouvrement de murs et sols et de décoration
- Tous travaux de finitions,de peintures,tapisseries
- La pose de revêtements de sol en bois ou en d’autres matériaux
- La construction de réseaux d’adduction,de distribution et d’évacuation des eaux
- Le forage et la construction de puits d’eau,fonçage de puits
- La construction de routes,chemin,rues et autres voies pour véhicules et piétons
- Les sondages d’essai,les forages d’essai et les carottages pour la construction ainsi que les études géophysiques,géologiques et similaires
- L’achat,la vente,la location,la transformation,la rénovation,la construction,le lotissement de tout bien immeuble
- La construction,l’achat et la vente de maison à ossature bois,de charpente de bois ou métalliques
- La couverture de toitures de tous types
- L'importation et l'exportation de tous matériaux de construction
- La vente en gros et au détail de tous matériaux de construction
- Les travaux de carrelages et mosaïques et tout autre revêtement de murs ou sols
- Les travaux de nettoyage de tous bâtiments et de déblaiement de tous sites ou bâtiments
- L'installation électrique,force motrice,téléphonique
- Le chauffage central à eau chaude,sanitaire,chauffage au gaz et plomberiezinguerie
- L'étanchéité et revêtement de construction d'asphaltage et bitumage,assèchement de construction autres que bitume et asphaltage
- La taille de pierre,façonnage,polissage et pose de marbrerie du bâtiment,cheminées ornementales,parquets et tout autre revêtement en bois des murs et sols
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chaussée de Louvain 1058 registered office 5022 Namur | 10-11-2021 | 2.326.104.639 |
Buildings and parcels at the address
- Ground area
- 2,164 m²
- Buildings
- 109 m²
- Volume, LiDAR
- 843 m³
- Tallest building
- 9.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92025A0012/00P000 | 2,164 m² | 1 · 109 m² | 9.0 m · 3 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0777.275.549