3BConnect
ActiveThe annual accounts of 3BConnect for fiscal year 2024 show a net loss of 88% of total assets and of 66% of the equity at the start of that year. The 2024 annual accounts show equity of €16k and a net result of €-31k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 37968 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-14
Solvency70▼-21
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.68 against 2.9 in 2023; short-term debt: 54.6% and cash: 23.7% of total assets), but 54.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
45.4%
Return on assets
-88.3%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-31k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-07-2025, 2 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
26 d late
2022
21 d late
2021
31 d late
2020
20 d late
2019
87 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€16k▼ 66.0%
2023 · €46k
2018: €14k
2019: €26k
2020: €31k
2021: €41k
2022: €49k
2023: €46k
2018 → 2024
Total assets
€35k▼ 50.7%
2023 · €70k
2018: €30k
2019: €78k
2020: €55k
2021: €65k
2022: €62k
2023: €70k
2018 → 2024
Net result
€-31k▼ 1,043%
2023 · €-3k
2018: €-15k
2019: €13k
2020: €4k
2021: €-3k
2022: €8k
2023: €-3k
2018 → 2024
Working capital
€13k▼ 71.8%
2023 · €45k
2018: €13k
2019: €26k
2020: €29k
2021: €39k
2022: €49k
2023: €45k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€31k-€41k▲ 32.1%€49k▲ 20.2%€46k▼ 5.5%€16k▼ 66.0%
Operating result€5k-€-2k€11k€-2k€-30k▼ 1,185%
Net result€4k-€-3k€8k€-3k€-31k▼ 1,043%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2024 against €2k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €35k
Fixed assets
€3k▲ 267%
Current assets
€32k▼ 54.3%
Equity and liabilities €35k
Equity
€16k▼ 66.0%
Debt
€19k▼ 21.1%
The debt ratio rises from 34.1% to 54.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-30k▼
2023 · €-2k
Cash flow
€-30k▼
2023 · €-2k
Solvency
45.4%▼
2023 · 65.9%
Current ratio
1.68▼
2023 · 2.90
Quick ratio
1.68▼
2023 · 2.90
Debt / equity
1.20▲
2023 · 0.52
ROE
-194.3%▼
2023 · -5.8%
ROA
-88.3%▼
2023 · -3.8%
Interest coverage
-113.57▼
2023 · -6.69
Debt
€19k▼
2023 · €24k
Debt ≤ 1 year
€19k▼
2023 · €24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€70k€35k▼
Fixed assets21/28€790€3k▲
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Financial fixed assets28€790€790=
Current assets29/58€69k€32k▼
Amounts receivable within one year40/41€26k€22k▼
Trade receivables40€23k€17k▼
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€42k€8k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€70k€35k▼
Equity10/15€46k€16k▼
Contributions10/11€19k€19k=
Reserves13€30k€30k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€28k€28k=
Profit (loss) carried forward14€-3k€-33k▼
Amounts payable17/49€24k€19k▼
Amounts payable within one year42/48€24k€19k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€4k€10k▲
Taxes450/3€4k€766▼
Remuneration and social security454/9-€9k
Other amounts payable47/48€16k€5k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€255€43▼
Other operating charges640/8€384-
Gross operating margin9900€-2k€-30k▼
Operating profit (loss)9901€-2k€-30k▼
Financial charges65/66B€314€266▼
Recurring financial charges65€314€266▼
Profit (loss) for the period before taxes9903€-3k€-31k▼
Profit (loss) for the period9904€-3k€-31k▼
Profit (loss) for the period to be appropriated9905€-3k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-33k▼
Profit (loss) brought forward from the previous period14P€2€-3k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 121 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2016
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.
Brugmannlaan 21060 Sint-Gillis (bij-Brussel)Ground area
673 m²
Building footprint
244 m²
Volume, LiDAR
5,864 m³
2 parcels, Brussels · tallest building 29.8 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
3BConnect
since 20162.252.482.035
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0371/00M019 | Brussels | 346 m² | - | - |
| 21812N1215/00L000 | Brussels | 327 m² | 1 · 244 m² | 29.8 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ADVINANCE
BE 0760.978.658
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STRATEGIC DESIGN SCENARIOS
BE 0477.364.714
Watermaal-Bosvoorde · Eq €16k
NEMATECH
BE 0768.970.369
Blégny · Eq €16k
VIRTUAL REALIZATIONS
BE 0736.333.037
Aalter · Eq €16k
GESCO - PRESGAUX
BE 0443.055.319
Couvin · Eq €16k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 27,948 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-04-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.