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3F Invest

Active
Private limited companyfounded 2016active for 9 yearsWulpenstraat 20, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0668.417.003

From the official registers: KBO 8 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

3F Invest has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€48,649) and a net result of €7,916. Equity has been shrinking by about 19% per year since 2019. The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

KBO
Status
Active since 23-12-2016 Normal situation
Activity
No activity registered in the KBO
Establishment unit
2.262.575.874 3550 Heusden-Zolder, since 23-12-2016
Financial year end
31 March
Peppol
Reachable since 31-03-2025

Board and ownership

Board
  • PROFINIMMO BVDirector · since 22-12-2016

Financial position

55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts to 31-03-2025
Gross margin
€62,740
▲ 38.4%
Turnover
≈ €190,000
estimated
Profit
€7,916
Equity
-€48,649
▲ 14.0%
Total assets
€764,706
▼ 3.4%
2026 accounts not filed, 1 day past the deadline
Filed on 30-10-2025PDF
Score breakdownraises riskCapped at 59: negative equityNegative equity -€48,649Liquidity: current ratio 0.13, cash €4,594lowers riskSize: total assets €764,706No main activity registeredShow the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 40% of micro companies without a NACE code
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 19+1
equity -6.4% of total assets
Liquidity 51=
short-term debt 7.8% · cash 0.6%
Profitability 45+12
return on assets 1.0%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.4%▲ +0.1 percentage points vs 09-2025 11-2025: 0.2%▼ -0.2 percentage points vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.3%▲ +0.1 percentage points vs 04-2026 06-2026: 0.2%▼ -0.1 percentage points vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026lowest value 08-2026: 0.3%▲ +0.1 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.4%▲ +0.1 percentage points vs 09-2026highest value
No credit on open account
Liquidity is insufficient, with a current ratio of 0.13 (0.14 in 2024), below 1. Short-term debt is 7.8% and cash 0.6% of total assets. Equity is negative.
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 (no NACE code, micro). It does better than 13% of them on solvency, 42% on liquidity, 33% on profitability and 72% on growth.

The bankruptcy probability was computed on 31-10-2026 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. 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

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €764,706
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · No main activity registered
KBO
raises risk · Negative equity -€48,649
NBB · annual accounts
raises risk · Liquidity: current ratio 0.13, cash €4,594
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2026
not filed
2025
1 day early
2024
3 days early
2023
1 day early
2022
3 days late
2021
31 days early
2020
27 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

The company filed its last 6 accounts on average 1 day before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€48,649 View

Documents

Annual accounts at the NBB

All 8 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about 3F Invest

What is the company number of 3F Invest?
The company number of 3F Invest is 0668.417.003. The VAT number is the same number with BE in front: BE 0668.417.003.
Where is 3F Invest based?
The registered office is at Wulpenstraat 20, 3550 Heusden-Zolder.Company details
What is the legal form of 3F Invest?
The legal form of 3F Invest is Private limited company (BV).
When was 3F Invest founded?
3F Invest was founded on 23-12-2016.
Is 3F Invest still active?
Yes, 3F Invest is an active enterprise in the KBO register.
What is the turnover of 3F Invest?
The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €62,740 and 2,678 comparable companies of the same size. It probably lies between €120,000 and €330,000. It is a rough estimate.Financials
Is 3F Invest profitable?
In financial year 2025, 3F Invest made a profit of €7,916.
Where can I find the annual accounts of 3F Invest?
3F Invest filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)

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