3DEF
ActiveSummary
3DEF has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121,450 and a net result of €16,891. Equity has been growing by about 19% per year since 2021. Its solvency ranks better than 19% of 15,800 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 08-06-2021 Normal situation
- Activity
- Other legal services NACE 69109
- Establishment unit
- 2.318.104.218 8000 Bruges, since 08-06-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 20-03-2025
Board and ownership
- Didier DeforcheDirector
- Margot BalbaertDirector
- Deforche DriesDirector
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €85,333
- ▼ 46.0%
- Turnover
- ≈ €200,000
- estimated
- Profit
- €16,891
- ▼ 76.7%
- Equity
- €121,450
- ▲ 16.2%
- Total assets
- €684,494
- ▼ 4.1%
Score breakdownraises riskLiquidity: current ratio 0.60, cash €19,207lowers riskSector: Legal and accounting activities (NACE 69)Size: total assets €684,494Figures for financial year 2025 (filed on 08-06-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 (NACE 69, micro). It does better than 21% of them on solvency, 25% on liquidity, 16% on profitability and 61% on growth.
The bankruptcy probability was computed on 04-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 5 accounts on average 100 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 08-06-2026 PDF all 5 filings
Every figure per financial year
The operating result for 2025 is 65% lower than in 2024 and the lowest since 2021. It is the second fall in a row.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €666,574 | €2,875 | €24,687 | - |
| Depreciation and write-downs of the year | €46,195 | €39,590 | €42,417 | €42,935 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,091 | €46,195 | €39,590 | €42,417 | €42,935 | ▲ 1.2% |
| Other operating charges640/8 | - | €109,603 | €3,198 | €4,598 | €3,436 | ▼ 25.3% |
| Gross operating margin9900 | €86,044 | €282,061 | €326,420 | €158,139 | €85,333 | ▼ 46.0% |
| Operating profit (loss)9901 | €80,807 | €126,263 | €283,632 | €111,124 | €38,962 | ▼ 64.9% |
| Financial income75/76B | - | €439 | €2,418 | €2,287 | €228 | ▼ 90.0% |
| Recurring financial income75 | €105 | €439 | €2,418 | €2,287 | €228 | ▼ 90.0% |
| Financial charges65/66B | - | €9,167 | €14,502 | €14,437 | €15,092 | ▲ 4.5% |
| Recurring financial charges65 | €42 | €9,167 | €14,502 | €14,437 | €15,092 | ▲ 4.5% |
| Profit (loss) for the period before taxes9903 | €80,870 | €117,535 | €271,547 | €98,974 | €24,098 | ▼ 75.7% |
| Income taxes67/77 | €19,748 | €26,331 | €65,215 | €26,521 | €7,207 | ▼ 72.8% |
| Profit (loss) for the period9904 | €61,123 | €91,205 | €206,332 | €72,452 | €16,891 | ▼ 76.7% |
| Profit (loss) for the period to be appropriated9905 | €61,123 | €91,205 | €206,332 | €72,452 | €16,891 | ▼ 76.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €132,960 | €841,974 | €996,589 | €713,720 | €684,494 | ▼ 4.1% |
| Fixed assets21/28 | €95,614 | €715,993 | €679,278 | €661,547 | €618,613 | ▼ 6.5% |
| Tangible fixed assets22/27 | €95,614 | €715,993 | €679,278 | €661,547 | €618,613 | ▼ 6.5% |
| Land and buildings22 | - | €618,816 | €602,340 | €585,863 | €569,386 | ▼ 2.8% |
| Plant, machinery and equipment23 | - | - | - | €3,284 | €2,934 | ▼ 10.7% |
| Furniture and vehicles24 | - | €89,768 | €67,613 | €49,326 | €26,025 | ▼ 47.2% |
| Other tangible fixed assets26 | - | €7,409 | €9,325 | €23,074 | €20,268 | ▼ 12.2% |
| Current assets29/58 | €37,346 | €125,981 | €317,311 | €52,173 | €65,881 | ▲ 26.3% |
| Amounts receivable within one year40/41 | €34,123 | €5,956 | €6,082 | €7,937 | €13,522 | ▲ 70.4% |
| Trade receivables40 | - | €5,935 | €5,938 | €593 | €1,897 | ▲ 220% |
| Other amounts receivable41 | - | €21 | €143 | €7,344 | €11,625 | ▲ 58.3% |
| Current investments50/53 | - | - | €209,000 | €35,000 | €30,000 | ▼ 14.3% |
| Cash at bank and in hand54/58 | €830 | €45,249 | €19,605 | €6,915 | €19,207 | ▲ 178% |
| Deferred charges and accrued income490/1 | - | €74,775 | €82,624 | €2,321 | €3,152 | ▲ 35.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €132,960 | €841,974 | €996,589 | €713,720 | €684,494 | ▼ 4.1% |
| Equity10/15 | €61,123 | €155,327 | €361,660 | €104,558 | €121,450 | ▲ 16.2% |
| Contributions10/11 | - | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €61,123 | €152,327 | €358,660 | €101,558 | €118,450 | ▲ 16.6% |
| Distributable reserves133 | - | €152,327 | €358,660 | €101,558 | €118,450 | ▲ 16.6% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €71,838 | €686,647 | €634,929 | €609,162 | €563,045 | ▼ 7.6% |
| Amounts payable after more than one year17 | - | €516,574 | €493,673 | €470,265 | €446,339 | ▼ 5.1% |
| Financial debts170/4 | - | €516,574 | €493,673 | €470,265 | €446,339 | ▼ 5.1% |
| Amounts payable within one year42/48 | €71,838 | €167,364 | €138,566 | €133,908 | €110,074 | ▼ 17.8% |
| Current portion of amounts payable after more than one year42 | - | €22,406 | €22,901 | €23,408 | €23,926 | ▲ 2.2% |
| Financial debts43 | - | - | €998 | €11 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | €998 | €11 | €0 | ▼ 100% |
| Trade debts44 | €2,541 | €5,124 | €3,880 | €3,399 | €1,289 | ▼ 62.1% |
| Suppliers440/4 | - | €5,124 | €3,880 | €3,399 | €1,289 | ▼ 62.1% |
| Advances received on contracts in progress46 | - | €1,916 | €0 | - | €699 | - |
| Taxes, remuneration and social security45 | - | €51,294 | €91,156 | €65,534 | €10,424 | ▼ 84.1% |
| Taxes450/3 | - | €51,294 | €91,156 | €65,534 | €10,424 | ▼ 84.1% |
| Other amounts payable47/48 | - | €86,624 | €19,631 | €41,556 | €73,737 | ▲ 77.4% |
| Accrued charges and deferred income492/3 | - | €2,709 | €2,690 | €4,989 | €6,631 | ▲ 32.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €61,123 | €91,205 | €206,332 | €72,452 | €16,891 | ▼ 76.7% |
| + Depreciation and write-downs630 | €5,091 | €46,195 | €39,590 | €42,417 | €42,935 | ▲ 1.2% |
| Operating cash flow (approximation) | €66,213 | €137,400 | €245,923 | €114,870 | €59,826 | ▼ 47.9% |
| Investment in fixed assets (approximation) | - | -€666,574 | -€2,875 | -€24,687 | €0 | - |
| Change in cash | - | €44,419 | -€25,644 | -€12,690 | €12,292 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,372 companies had the same profile as 3DEF has now. Two years later, 96.6% were still going and 1.8% had gone bankrupt.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of 3DEF itself is lower: < 0.1% within 12 months. It rests on far more data about 3DEF than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,372 companies, not a prediction for 3DEF. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 08-06-2026 | 2026-00142114 | |
| 31-12-2024 | micro format | 14-04-2025 | 2025-00068602 | |
| 31-12-2023 | micro format | 19-02-2024 | 2024-00031396 | |
| 31-12-2022 | micro format | 07-06-2023 | 2023-00110488 | |
| 31-12-2021 | micro format | 31-03-2022 | 2022-09100136 |
Board & ownership
Directors
Owners and capital
Owners
Mandate history
- Board
- mandate already running before its first mention
| Name | Functions and periods |
|---|---|
| Didier Deforche |
|
| Margot Balbaert |
|
| Deforche Dries |
|
Network & group
3DEF shares no director with another company.
Companies at the same address
1 other companyConnections & network
3 current directorsThe network starts from the directors of 3DEF. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
24-07
Gazette deed
Appointment: Margot Balbaert (director)2 points ▸
- General meeting, 14-04-2025
- Director appointment, Margot Balbaert
29-09
Gazette deed
Appointment: Didier Deforche (director)4 points ▸
- General meeting, 03-09-2021
- Director appointment, Didier Deforche
- Board composition, Didier Deforche (director)
- Board composition, Dries Deforche (statutory director)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31014A0204/00Y002 | Flanders | 924 m² | 1 · 238 m² | 7.7 m · 1 |