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3C2A

Active
Private limited companyfounded 20233 yrs activePl. Docteur Edouard Lodewijckx(Jod.) 6/Eta, 1370 Jodoigne, BelgiumKBO/BCE: BE 0801.362.629
Summary

The computed 12-month bankruptcy probability of 3C2A is 5.5% (elevated). The 2025 annual accounts show equity of €6,510 and a net result of -€16. Equity is shrinking by ~48.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 95% of 13484 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
59 / 100
Fair
An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▲+12
Solvency100▲+31
Growth58=
Track record94
Bankruptcy probability, 12 months
5.5% Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 13.6 against 0.16 in 2024; short-term debt: 7.4% and cash: 48.6% of total assets), and 7.4% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies more bankruptcies →
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
92.6%
Return on assets
-0.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
232425
2023 to 2025 · latest year -€16
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 07-07-2026, 24 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
24 d early
2024
23 d early
2023
14 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

3C2A was incorporated on 2 May 2023 as a Private limited company.1 Total assets fell from EUR 82,999 in 2023 to EUR 7,027 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€6,510▼ 79.4%
2024 · €31,527
Total assets
€7,027▼ 90.3%
2024 · €72,074
Net result
-€16▲ 99.7%
2024 · -€5,603
Working capital
€6,510
2024 · -€15,280
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result-€5,313-€412€3,147▲ 664%
Net result-€7,870--€5,603▲ 28.8%-€16▲ 99.7%
Equity€37,130-€31,527▼ 15.1%€6,510▼ 79.4%
Total assets€82,999-€72,074▼ 13.2%€7,027▼ 90.3%
Debt€45,870-€40,548▼ 11.6%€517▼ 98.7%
Working capital-€10,021--€15,280▼ 52.5%€6,510
Staff (FTE)1.1-
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000-€5,000€0€5,000Operating result 2023: -€5,313-€5,313Net result 2023: -€7,870-€7,870Operating result 2024: €412€412Net result 2024: -€5,603-€5,603Operating result 2025: €3,147€3,147Net result 2025: -€16-€16202320242025-€10,000-€5,000€0€5,000Operating result 2023: -€5,313-€5,310Net result 2023: -€7,870-€7,870Operating result 2024: €412€412Net result 2024: -€5,603-€5,600Operating result 2025: €3,147€3,150Net result 2025: -€16-€16202320242025
The operating result has risen two years in a row; 2025 is 664% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €7,027
Equity €6,510 ▼ 79.4%
Debt €517 ▼ 98.7%
Debt's share of the balance-sheet total falls from 56.3% to 7.4%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€5,733▼
2024 · €8,511
Cash flow
€2,570▲
2024 · €2,496
Current ratio
13.60▲
2024 · 0.16
Debt to equity
0.08▼
2024 · 1.29
ROE
-0.3%▲
2024 · -17.8%
ROA
-0.2%▲
2024 · -7.8%
Interest coverage
1.80▲
2024 · 1.41
Debt ≤ 1 year
€517▼
2024 · €18,300
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,151 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 91% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a small loss
2.1% went bankrupt
5.9% stopped otherwise
91% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 5.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,151 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€72,074€7,027▼
Fixed assets21/28€69,055-
Intangible fixed assets21€67,015-
Tangible fixed assets22/27€370-
Plant, machinery and equipment23€370-
Financial fixed assets28€1,670-
Current assets29/58€3,019€7,027▲
Stocks and contracts in progress3€665-
Stocks30/36€665-
Amounts receivable within one year40/41€1,440€3,614▲
Trade receivables40€1,440€726▼
Other amounts receivable41-€2,888
Cash at bank and in hand54/58€914€3,414▲
Equity and liabilities
Total equity and liabilities10/49€72,074€7,027▼
Equity10/15€31,527€6,510▼
Contributions10/11€45,000€20,000▼
Profit (loss) carried forward14-€13,473-€13,490▼
Amounts payable17/49€40,548€517▼
Amounts payable after more than one year17€22,248-
Financial debts170/4€22,248-
Amounts payable within one year42/48€18,300€517▼
Current portion of amounts payable after more than one year42€7,585-
Trade debts44€4,338€388▼
Suppliers440/4€4,338€388▼
Taxes, remuneration and social security45€5,248€129▼
Taxes450/3€4,617€129▼
Remuneration and social security454/9€631-
Other amounts payable47/48€1,129-
Income statement Code20242025
Non-recurring operating income76A-€12,615
Remuneration, social security and pensions62€9,496-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,099€2,586▼
Other operating charges640/8€1,258€939▼
Non-recurring operating charges66A-€170
Gross operating margin9900€19,265€6,842▼
Operating profit (loss)9901€412€3,147▲
Financial income75/76B-€20
Recurring financial income75-€20
Financial charges65/66B€6,015€3,183▼
Recurring financial charges65€6,015€3,183▼
Profit (loss) for the period before taxes9903-€5,603-€16▲
Profit (loss) for the period9904-€5,603-€16▲
Profit (loss) for the period to be appropriated9905-€5,603-€16▲
Appropriation of the result
Profit (loss) to be appropriated9906-€13,473-€13,490▼
Profit (loss) brought forward from the previous period14P-€7,870-€13,473▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Non-recurring operating income76A--€12,615-
Remuneration, social security and pensions62€4,441€9,496--
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,011€8,099€2,586▼ 68.1%
Other operating charges640/8€1,363€1,258€939▼ 25.4%
Non-recurring operating charges66A--€170-
Gross operating margin9900€5,502€19,265€6,842▼ 64.5%
Operating profit (loss)9901-€5,313€412€3,147▲ 664%
Financial income75/76B€24-€20-
Recurring financial income75€24-€20-
Financial charges65/66B€2,581€6,015€3,183▼ 47.1%
Recurring financial charges65€2,581€6,015€3,183▼ 47.1%
Profit (loss) for the period before taxes9903-€7,870-€5,603-€16▲ 99.7%
Profit (loss) for the period9904-€7,870-€5,603-€16▲ 99.7%
Profit (loss) for the period to be appropriated9905-€7,870-€5,603-€16▲ 99.7%
Line202320242025Change
Assets
Total assets20/58€82,999€72,074€7,027▼ 90.3%
Fixed assets21/28€76,984€69,055--
Intangible fixed assets21€75,015€67,015--
Tangible fixed assets22/27€469€370--
Plant, machinery and equipment23€469€370--
Financial fixed assets28€1,500€1,670--
Current assets29/58€6,016€3,019€7,027▲ 133%
Stocks and contracts in progress3€1,233€665--
Stocks30/36€1,233€665--
Amounts receivable within one year40/41€1,978€1,440€3,614▲ 151%
Trade receivables40€1,978€1,440€726▼ 49.6%
Other amounts receivable41--€2,888-
Cash at bank and in hand54/58€1,618€914€3,414▲ 274%
Deferred charges and accrued income490/1€1,186---
Equity and liabilities
Total equity and liabilities10/49€82,999€72,074€7,027▼ 90.3%
Equity10/15€37,130€31,527€6,510▼ 79.4%
Contributions10/11€45,000€45,000€20,000▼ 55.6%
Profit (loss) carried forward14-€7,870-€13,473-€13,490▼ 0.1%
Amounts payable17/49€45,870€40,548€517▼ 98.7%
Amounts payable after more than one year17€29,833€22,248--
Financial debts170/4€29,833€22,248--
Amounts payable within one year42/48€16,037€18,300€517▼ 97.2%
Current portion of amounts payable after more than one year42€6,930€7,585--
Trade debts44€3,456€4,338€388▼ 91.1%
Suppliers440/4€3,456€4,338€388▼ 91.1%
Taxes, remuneration and social security45€4,608€5,248€129▼ 97.5%
Taxes450/3€3,936€4,617€129▼ 97.2%
Remuneration and social security454/9€672€631--
Other amounts payable47/48€1,043€1,129--
Line202320242025Change
Profit (loss) for the period9904-€7,870-€5,603-€16▲ 99.7%
+ Depreciation and write-downs630€5,011€8,099€2,586▼ 68.1%
Operating cash flow (approximation)-€2,859€2,496€2,570▲ 2.9%
Investment in fixed assets (approximation)--€170--
Change in cash--€704€2,500▲ 455%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
07-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Liquidity times 82current ratio 13.60
Current ratio from 0.16 to 13.60; short-term debt falls from €18,300 to €517.
08-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Jodoigne · 1 establishment unit since 2023
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.

Pl. Docteur Edouard Lodewijckx(Jod.) 6/Eta1370 Jodoigne
1 establishment unit
Wine Up
Pl. Docteur Edouard Lodewijckx(Jod.) 6, 1370 JodoigneRenting and operating of own or leased residential real estate, excluding social housing
since 20232.345.042.009

Similar companies · same sector, comparable size

Of 14,005 companies in sector 56301 we hold annual accounts for 4,893. 3,077 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded02-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56309Food and beverage service activities
62900Other information technology and computer services
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
93299Other amusement and recreation activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0801362629
Also 9925:BE0801362629
Registered 31-12-2025

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.