3D MANAGEMENT
ActiveSummary
The computed 12-month bankruptcy probability of 3D MANAGEMENT is 2.2% (moderate). The 2025 annual accounts show equity of €2.0m and a net result of -€45,534. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 60% of 4235 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability45▼-22
Solvency71▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €100,000 at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.81 in 2024; short-term debt: 40.7% and cash: 4.8% of total assets), but 54.4% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.6%
Return on assets
-1%
Age of the figures
9 mo
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 24-04-2026, 98 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
98 d early
2024
76 d early
2023
63 d early
2022
80 d early
2021
50 d early
2020
77 d early
2019
48 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 70 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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. Usually files around 16 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, full schema
In the rankings
#2 employer in Verlaine#4 company by total assets in Verlaine, Wholesale and retail trade sector#4 company by equity in Verlaine, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€45,534
2024 · €98,818
Working capital
€1.4m▼ 2.5%
2024 · €1.4m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€507,172▲ 231%€457,645▼ 9.8%€451,515▼ 1.3%€260,033▼ 42.4%€39,624▼ 84.8%
Net result€339,720above the sector's middle half▲ 457%€335,392above the sector's middle half▼ 1.3%€260,837above the sector's middle half▼ 22.2%€98,818within the sector's middle half▼ 62.1%-€45,534below the sector's middle half
Equity€1.8mabove the sector's middle half▲ 9.6%€2.0mabove the sector's middle half▲ 8.5%€2.1mabove the sector's middle half▲ 7.4%€2.1mabove the sector's middle half▼ 2.4%€2.0mabove the sector's middle half▼ 2.2%
Total assets€3.5mabove the sector's middle half▼ 5.0%€4.1mabove the sector's middle half▲ 16.8%€5.3mabove the sector's middle half▲ 30.3%€4.7mabove the sector's middle half▼ 12.5%€4.5mabove the sector's middle half▼ 4.5%
Debt€1.7m▼ 17.1%€2.1m▲ 25.9%€3.2m▲ 52.0%€2.6m▼ 19.2%€2.4m▼ 6.3%
Working capital€1.5mabove the sector's middle half▲ 9.7%€1.5mabove the sector's middle half▼ 0.1%€1.5mabove the sector's middle half▼ 1.6%€1.4mabove the sector's middle half▼ 4.6%€1.4mabove the sector's middle half▼ 2.5%
Solvency52.2%within the sector's middle half▲ 7.0pp48.5%within the sector's middle half▼ 3.7pp40.0%within the sector's middle half▼ 8.6pp44.6%within the sector's middle half▲ 4.6pp45.6%within the sector's middle half▲ 1.1pp
Current ratio2.48above the sector's middle half▲ 0.412.09within the sector's middle half▼ 0.391.70within the sector's middle half▼ 0.391.81within the sector's middle half▲ 0.111.75within the sector's middle half▼ 0.05
Return on assets (ROA)9.7%within the sector's middle half▲ 8.1pp8.2%within the sector's middle half▼ 1.5pp4.9%within the sector's middle half▼ 3.3pp2.1%within the sector's middle half▼ 2.8pp-1.0%below the sector's middle half▼ 3.1pp
Staff (FTE)31.8above the sector's middle half▼ 4.8%32above the sector's middle half▲ 0.6%39.3above the sector's middle half▲ 22.8%41.2above the sector's middle half▲ 4.8%37.4above the sector's middle half▼ 9.2%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 85% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.5m
Fixed assets
€1.3m ▼ 16.6%
Current assets
€3.2m ▲ 1.4%
Equity and liabilities €4.5m
Equity
€2.0m ▼ 2.2%
Debt
€2.4m ▼ 6.3%
Debt's share of the balance-sheet total falls from 55.4% to 54.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€264,118▼
2024 · €518,870
Cash flow
€178,960▼
2024 · €357,655
Quick ratio
0.21▲
2024 · 0.17
Debt to equity
1.19▼
2024 · 1.24
ROE
-2.2%▼
2024 · 4.8%
Interest coverage
3.25▼
2024 · 5.47
Debt ≤ 1 year
€1.8m▲
2024 · €1.7m
Debt > 1 year
€580,635▼
2024 · €774,749
Income taxes
€8,460▼
2024 · €71,431
Staff costs
€1.8m▼
2024 · €1.8m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,688 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a small loss
0.5%
went bankrupt
5.4%
stopped otherwise
94%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.7% |
| 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 75% 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 2,688 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €1.1m | €1.3m | €1.7m | €1.8m | €1.8m | ▼ 3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €201,862 | €198,878 | €233,617 | €258,837 | €224,494 | ▼ 13.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€15,115 | €6,394 | €9,233 | €10,729 | €5,397 | ▼ 49.7% |
| Other operating charges640/8 | €18,600 | €18,669 | €31,616 | €35,888 | €76,493 | ▲ 113% |
| Gross operating margin9900 | €1.9m | €2.0m | €2.4m | €2.4m | €2.1m | ▼ 11.7% |
| Operating profit (loss)9901 | €507,172 | €457,645 | €451,515 | €260,033 | €39,624 | ▼ 84.8% |
| Financial income75/76B | €27,163 | €40,084 | €14,669 | €5,113 | €4,484 | ▼ 12.3% |
| Recurring financial income75 | €27,163 | €40,084 | €14,669 | €5,113 | €4,484 | ▼ 12.3% |
| Financial charges65/66B | €35,320 | €32,442 | €74,687 | €94,897 | €81,182 | ▼ 14.5% |
| Recurring financial charges65 | €35,320 | €32,442 | €74,687 | €94,897 | €81,182 | ▼ 14.5% |
| Profit (loss) for the period before taxes9903 | €499,015 | €465,287 | €391,498 | €170,249 | -€37,074 | ▼ 122% |
| Income taxes67/77 | €159,296 | €129,895 | €130,660 | €71,431 | €8,460 | ▼ 88.2% |
| Profit (loss) for the period9904 | €339,720 | €335,392 | €260,837 | €98,818 | -€45,534 | ▼ 146% |
| Transfer from tax-exempt reserves789 | - | - | €42,100 | €42,100 | €126,300 | ▲ 200% |
| Transfer to tax-exempt reserves689 | €42,100 | €126,300 | €105,250 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €297,620 | €209,092 | €197,687 | €140,918 | €80,766 | ▼ 42.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.5m | €4.1m | €5.3m | €4.7m | €4.5m | ▼ 4.5% |
| Fixed assets21/28 | €993,993 | €1.2m | €1.8m | €1.5m | €1.3m | ▼ 16.6% |
| Intangible fixed assets21 | €3,600 | €2,700 | €1,800 | €900 | - | - |
| Tangible fixed assets22/27 | €990,269 | €1.2m | €1.8m | €1.5m | €1.3m | ▼ 16.5% |
| Land and buildings22 | €380,733 | €629,503 | €622,319 | €590,051 | €556,378 | ▼ 5.7% |
| Furniture and vehicles24 | €164,729 | €184,821 | €357,922 | €266,102 | €178,967 | ▼ 32.7% |
| Other tangible fixed assets26 | €444,807 | €403,451 | €778,962 | €669,472 | €538,237 | ▼ 19.6% |
| Financial fixed assets28 | €124 | €124 | €124 | €124 | - | - |
| Current assets29/58 | €2.5m | €2.9m | €3.6m | €3.1m | €3.2m | ▲ 1.4% |
| Stocks and contracts in progress3 | €1.9m | €2.4m | €3.0m | €2.8m | €2.8m | ▼ 1.7% |
| Stocks30/36 | €1.9m | €2.4m | €3.0m | €2.8m | €2.8m | ▼ 1.7% |
| Amounts receivable within one year40/41 | €123,950 | €141,150 | €127,181 | €131,457 | €98,689 | ▼ 24.9% |
| Trade receivables40 | €123,950 | €136,045 | €121,014 | €80,430 | €57,152 | ▼ 28.9% |
| Other amounts receivable41 | - | €5,105 | €6,168 | €51,027 | €41,537 | ▼ 18.6% |
| Cash at bank and in hand54/58 | €459,937 | €204,866 | €183,100 | €150,450 | €211,873 | ▲ 40.8% |
| Deferred charges and accrued income490/1 | €41,079 | €84,357 | €245,443 | €12,416 | €75,811 | ▲ 511% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.5m | €4.1m | €5.3m | €4.7m | €4.5m | ▼ 4.5% |
| Equity10/15 | €1.8m | €2.0m | €2.1m | €2.1m | €2.0m | ▼ 2.2% |
| Contributions10/11 | €90,000 | €90,000 | €90,000 | €90,000 | €90,000 | = |
| Reserves13 | €1.6m | €1.8m | €1.9m | €1.8m | €1.7m | ▼ 6.8% |
| Non-distributable reserves130/1 | €9,000 | €9,000 | - | - | - | - |
| Reserves not available under the articles1311 | €9,000 | €9,000 | - | - | - | - |
| Tax-exempt reserves132 | €42,100 | €168,400 | €231,550 | €189,450 | €63,150 | ▼ 66.7% |
| Distributable reserves133 | €1.6m | €1.6m | €1.6m | €1.7m | €1.7m | = |
| Profit (loss) carried forward14 | €111,436 | €120,528 | €168,215 | €138,134 | €218,899 | ▲ 58.5% |
| Amounts payable17/49 | €1.7m | €2.1m | €3.2m | €2.6m | €2.4m | ▼ 6.3% |
| Amounts payable after more than one year17 | €632,676 | €691,122 | €1.0m | €774,749 | €580,635 | ▼ 25.1% |
| Financial debts170/4 | €632,676 | €691,122 | €1.0m | €774,749 | €580,635 | ▼ 25.1% |
| Amounts payable within one year42/48 | €1.0m | €1.4m | €2.1m | €1.7m | €1.8m | ▲ 4.6% |
| Current portion of amounts payable after more than one year42 | €220,120 | €248,019 | €307,143 | €250,252 | €194,114 | ▼ 22.4% |
| Financial debts43 | - | - | €500,000 | €400,000 | €700,000 | ▲ 75.0% |
| Credit institutions430/8 | - | - | €500,000 | €400,000 | €700,000 | ▲ 75.0% |
| Trade debts44 | €306,635 | €628,262 | €708,258 | €412,420 | €410,929 | ▼ 0.4% |
| Suppliers440/4 | €306,635 | €628,262 | €708,258 | €412,420 | €410,929 | ▼ 0.4% |
| Taxes, remuneration and social security45 | €312,300 | €326,294 | €471,621 | €418,894 | €352,055 | ▼ 16.0% |
| Taxes450/3 | €154,447 | €160,114 | €190,253 | €180,283 | €132,366 | ▼ 26.6% |
| Remuneration and social security454/9 | €157,853 | €166,180 | €281,368 | €238,610 | €219,689 | ▼ 7.9% |
| Other amounts payable47/48 | €171,000 | €171,000 | €109,250 | €251,489 | €155,670 | ▼ 38.1% |
| Accrued charges and deferred income492/3 | €27,744 | €38,673 | €70,434 | €75,621 | €27,036 | ▼ 64.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €339,720 | €335,392 | €260,837 | €98,818 | -€45,534 | ▼ 146% |
| + Depreciation and write-downs630 | €201,862 | €198,878 | €233,617 | €258,837 | €224,494 | ▼ 13.3% |
| Operating cash flow (approximation) | €541,582 | €534,270 | €494,455 | €357,655 | €178,960 | ▼ 50.0% |
| Investment in fixed assets (approximation) | - | -€425,484 | -€774,145 | -€24,358 | €28,571 | ▲ 217% |
| Change in cash | - | -€255,071 | -€21,766 | -€32,650 | €61,423 | ▲ 288% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€45,534
Net result drops to -€45,534, the lowest in the series.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €2mEq €2.1m ▲7.4%
6 profitable years in a row build equity to €2.1m.
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
11-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €339,720 ▲457%
Operating result €507,172, net result €339,720, both a record.
15-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
13-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
10-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 3 days late
2017
12-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Verlaine · 9 establishment units since 2007
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.
Chemin de l'Yerne(VER) 14537 VerlaineGround area
7.1 ha
Building footprint
2.6 ha
Volume, LiDAR
110,362 m³
7 parcels, Wallonia · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
9 establishment units
MARQUES A SUIVRE
since 20072.164.059.211
Rue des Champs de Tignée 20, 4671 Blégny
since 20082.168.959.887
MARQUES A SUIVRE
since 20112.198.831.335
MARQUES A SUIVRE
since 20122.207.185.807
MARQUES A SUIVRE
since 20132.221.376.610
3D MANAGEMENT
since 20142.236.694.492
Show 3 more locations
MARQUES A SUIVRE
since 20152.239.600.039
Marques à suivre
since 20232.341.748.561
Marques à suivre
since 20232.341.748.660
7 parcels
Wallonia
7
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079A1464/07E002indicative | Wallonia | 4.8 ha | 1 · 1.6 ha | 12.5 m · 2 fl. |
| 61007A0127/00V003 | Wallonia | 9,218 m² | - | - |
| 92003H0034/00P003 | Wallonia | 7,708 m² | 1 · 6,608 m² | - |
| 63004A0387/00F000indicative | Wallonia | 2,273 m² | 1 · 74 m² | - |
| 61043C0066/00D002 | Wallonia | 2,086 m² | 1 · 1,190 m² | 8.3 m · 2 fl. |
| 62045A0054/00W000 | Wallonia | 1,794 m² | 1 · 615 m² | 11.0 m · 1 fl. |
| 64065C0162/00A000 | Wallonia | 718 m² | 1 · 911 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
5 of 7 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,035 companies in sector 47721 we hold annual accounts for 583. 230 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
Founded20-06-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47722Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0890213738
Also
9925:BE0890213738
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.