3ByD
ActiveThe annual accounts of 3ByD for fiscal year 2025 show a net loss of 84% of total assets and of 93% of the equity at the start of that year. The 2025 annual accounts show equity of €645 and a net result of €-9k. Equity is shrinking by ~46.5% per year across the filed fiscal years. Its solvency ranks better than 18% of 3461 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency31▼-31
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 tight (current ratio 1.07 against 1.56 in 2024; short-term debt: 93.7% and cash: 8.7% of total assets), and 93.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
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 2025Solvency, return and age of the figures
Solvency
6.3%
Return on assets
-84%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 3461 sector peers (2025).
NBB · sector comparisonPosition among 3461 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
17 d early
2022
21 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€645▼ 93.0%
2024 · €9k
2022: €5k
2023: €2k
2024: €9k
2022 → 2025
Total assets
€10k▼ 58.9%
2024 · €25k
2022: €9k
2023: €12k
2024: €25k
2022 → 2025
Net result
€-9k
2024 · €7k
2022: €2k
2023: €-3k
2024: €7k
2022 → 2025
Working capital
€645▼ 92.5%
2024 · €9k
2022: €2k
2023: €119
2024: €9k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€2k▼ 62.5%€9k▲ 369%€645▼ 93.0%
Operating result€4k-€-3k€10k€-8k
Net result€2k-€-3k€7k€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €10k
Equity
€645▼ 93.0%
Debt
€10k▼ 38.8%
The debt ratio rises from 62.9% to 93.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-8k▼
2024 · €12k
Cash flow
€-8k▼
2024 · €9k
Solvency
6.3%▼
2024 · 37.1%
Current ratio
1.07▼
2024 · 1.56
Quick ratio
1.07▼
2024 · 1.56
ROA
-84.0%▼
2024 · 29.2%
Interest coverage
-43.84▼
2024 · 61.11
Debt
€10k▼
2024 · €16k
Debt ≤ 1 year
€10k▼
2024 · €16k
Income taxes
€141▼
2024 · €3k
Equity ratios withheld: equity of €645 is too small for a meaningful ratio.
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€25k€10k▼
Fixed assets21/28€526-
Tangible fixed assets22/27€526-
Furniture and vehicles24€526-
Current assets29/58€24k€10k▼
Amounts receivable within one year40/41€20k€9k▼
Trade receivables40€20k€9k▼
Cash at bank and in hand54/58€4k€887▼
Equity and liabilities
Total equity and liabilities10/49€25k€10k▼
Equity10/15€9k€645▼
Contributions10/11€3k€3k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14-€-9k
Amounts payable17/49€16k€10k▼
Amounts payable within one year42/48€16k€10k▼
Trade debts44€278€554▲
Suppliers440/4€278€554▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€8k€8k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€4k€664▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€526▼
Other operating charges640/8€810€295▼
Gross operating margin9900€12k€-7k▼
Operating profit (loss)9901€10k€-8k▼
Financial income75/76B€0€6▲
Recurring financial income75€0€6▲
Financial charges65/66B€190€176▼
Recurring financial charges65€190€176▼
Profit (loss) for the period before taxes9903€10k€-8k▼
Income taxes67/77€3k€141▼
Profit (loss) for the period9904€7k€-9k▼
Profit (loss) for the period to be appropriated9905€7k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-9k▼
Profit (loss) brought forward from the previous period14P€-3k-
Transfer to equity691/2€4k-
To other reserves6921€4k-
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-9k ▼218%
Net result drops to €-9k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Heusden-Zolder · 1 establishment unit since 2022
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.
Nieuwstraat 1683550 Heusden-ZolderGround area
946 m²
Building footprint
156 m²
Volume, LiDAR
827 m³
Parcel 71065A1307/00M000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3ByD
since 20222.327.192.128
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A1307/00M000 | Flanders | 946 m² | 1 · 156 m² | 8.9 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.
Similar companies · same sector, comparable size
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ZIGURATI
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VISUALIZE IT
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Of 6,296 companies in sector 74120 we hold annual accounts for 1,010. 128 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2022
Fiscal year end31-12
Activities, NACEBEL
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
18130Pre-press and pre-media services
18200Printing and reproduction of recorded media
58290Other software publishing
62010Computer programming, consultancy and related activities
62100Computer programming
90201Performing arts by independent artists
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@3By-D.com
E-mail:info@3byd.com