Financials
- Fiscal year
- 2024
- Total assets
- €381,642
- Profit
- €109,204
- Solvency
- 95.8%
3CE FINANCE
ActiveSummary
3CE FINANCE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €365,422 and a net result of €109,204. The computed 12-month bankruptcy probability is 1.2% (low).
Overview
Activity
Activity not known1 site
Size
€381,642total assets 2024
- Equity
- €365,422
- Profit
- €109,204
Turnover not published (abridged schema)
Structure
Accounts filed 49 days late0 of 1 deed read
Why 67- Figures for FY 2024 (filed 18-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 49 days late; 1 of the last 3 late+ Size: total assets €381,642+ No main activity registeredShow the evidence
Checked score
Score 2024
67
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 75% of its sector peers (no NACE code, micro)
Financial strength
Strong
Solvency
100
equity 95.8% of total assets
Liquidity
56
short-term debt 4.2% · cash 5.2%
Profitability
100
return on assets 28.6%
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 3.3%
12-2024: 3.3%● unchanged vs 11-2024
01-2025: 3.6%▲ +0.3 percentage points vs 12-2024
02-2025: 3.5%▼ -0.1 percentage points vs 01-2025
03-2025: 3.4%▼ -0.1 percentage points vs 02-2025
04-2025: 3.5%▲ +0.1 percentage points vs 03-2025
05-2025: 3.8%▲ +0.3 percentage points vs 04-2025
06-2025: 3.8%● unchanged vs 05-2025
07-2025: 4.6%▲ +0.8 percentage points vs 06-2025highest value
08-2025: 4.6%● unchanged vs 07-2025highest value
09-2025: 4.6%● unchanged vs 08-2025highest value
10-2025: 0.5%▼ -4.1 percentage points vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.4%▼ -0.1 percentage points vs 03-2026lowest value
05-2026: 0.5%▲ +0.1 percentage points vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.2 percentage points vs 07-2026
09-2026: 0.8%▲ +0.1 percentage points vs 08-2026
10-2026: 1.2%▲ +0.4 percentage points vs 09-2026
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 7.73; short-term debt: 4.2% and cash: 5.2% of total assets), and 4.2% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 53% on liquidity and 90% on profitability.
The bankruptcy probability was computed on 07-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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 · 1 filingDeviation from the deadline
2024
49 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its 2024 accounts 49 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 02-06-2023
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
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