3i Horeca

Active

Private limited companyfounded 20197 yrs activeEmile Bockstaellaan 201, 1020 Brussel, BelgiumKBO/BCE: BE 0734.436.785

The computed 12-month bankruptcy probability of 3i Horeca is 10.8% (high). The 2025 annual accounts show negative equity (€-98k) and a net result of €-22k. Equity is shrinking by ~37.3% per year across the filed fiscal years. Its solvency ranks better than 6% of 13240 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

12 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency0=

Growth32=

Track record100

Bankruptcy probability, 12 months

10.8% High

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.29 against 0.38 in 2024; short-term debt: 343.6% and cash: 18.9% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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

Sector 56

higher

← fewer bankruptcies more bankruptcies →

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

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

-243.6%

Return on assets

-53.4%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

202122232425

2020 to 2025 · latest year €-98k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

on the day

2024

6 d late

2023

12 d late

2022

2 d late

2021

78 d late

2020

89 d late

← before the deadline after the deadline →

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

20-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€-98k▼ 28.1%

2024 · €-77k

2020: €2k 2021: €-4k 2022: €-46k 2023: €-61k 2024: €-77k

2020 → 2025

Total assets

€40k▼ 19.0%

2024 · €50k

2020: €41k 2021: €28k 2022: €42k 2023: €25k 2024: €50k

2020 → 2025

Net result

€-22k▼ 40.5%

2024 · €-15k

2020: €-15k 2021: €-6k 2022: €-42k 2023: €-15k 2024: €-15k

2020 → 2025

Working capital

€-98k▼ 25.5%

2024 · €-78k

2020: €-12k 2021: €-18k 2022: €-55k 2023: €-66k 2024: €-78k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-4k-€-46k▼ 1,087%€-61k▼ 33.6%€-77k▼ 25.0%€-98k▼ 28.1%

Operating result€-4k-€-38k▼ 765%€-11k▲ 71.9%€-9k▲ 17.1%€-16k▼ 83.3%

Net result€-6k-€-42k▼ 626%€-15k▲ 63.3%€-15k▲ 0.6%€-22k▼ 40.5%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €16k in 2025 against €9k in 2024; the loss grows.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €40k

99.7%

Fixed assets €130▼ 92.2%

Current assets €40k▼ 16.5%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-15k▼

2024 · €-6k

Cash flow

€-20k▼

2024 · €-13k

Solvency

-243.6%▼

2024 · -154.0%

Current ratio

0.29▼

2024 · 0.38

Quick ratio

0.22▼

2024 · 0.31

Debt / equity

-1.41▲

2024 · -1.65

ROA

-53.4%▼

2024 · -30.8%

Interest coverage

-2.74▼

2024 · -0.93

Debt

€139k▲

2024 · €127k

Debt ≤ 1 year

€139k▲

2024 · €127k

Staff costs

€22k▲

2024 · €19k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€50k€40k▼

Fixed assets21/28€2k€130▼

Tangible fixed assets22/27€2k€130▼

Furniture and vehicles24€2k€130▼

Current assets29/58€48k€40k▼

Stocks and contracts in progress3€9k€10k▲

Stocks30/36€9k€10k▲

Amounts receivable within one year40/41€19k€22k▲

Trade receivables40€19k€22k▲

Cash at bank and in hand54/58€20k€8k▼

Equity and liabilities

Total equity and liabilities10/49€50k€40k▼

Equity10/15€-77k€-98k▼

Contributions10/11€17k€17k=

Profit (loss) carried forward14€-94k€-115k▼

Amounts payable17/49€127k€139k▲

Amounts payable within one year42/48€127k€139k▲

Trade debts44€45k€46k▲

Suppliers440/4€45k€46k▲

Taxes, remuneration and social security45€11k€9k▼

Taxes450/3€6k€7k▲

Remuneration and social security454/9€5k€2k▼

Other amounts payable47/48€71k€84k▲

Income statement Code20242025

Remuneration, social security and pensions62€19k€22k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼

Other operating charges640/8€5k€10k▲

Gross operating margin9900€18k€17k▼

Operating profit (loss)9901€-9k€-16k▼

Financial charges65/66B€7k€5k▼

Recurring financial charges65€7k€5k▼

Profit (loss) for the period before taxes9903€-15k€-22k▼

Profit (loss) for the period9904€-15k€-22k▼

Profit (loss) for the period to be appropriated9905€-15k€-22k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-94k€-115k▼

Profit (loss) brought forward from the previous period14P€-78k€-94k▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 1Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

06-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 6 days late

2024

12-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 12 days late

2023

02-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 2 days late

2022

31-12

Financial Weakest financial yearnet €-42k

Net result drops to €-42k, the lowest in the series; recovery starts the following year.

17-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 78 days late

2021

28-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 89 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Brussel · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Emile Bockstaellaan 2011020 Brussel

Ground area

143 m²

Building footprint

146 m²

Volume, LiDAR

1,745 m³

Parcel 21815D0105/00B002, Brussels · tallest building 20.4 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

3i Horeca

Emile Bockstaellaan 201, 1020 BrusselFull-service restaurants

since 20192.293.390.992

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21815D0105/00B002	Brussels	143 m²	1 · 146 m²	20.4 m · 5 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Brussel2.293.390.992

1 permission

Toelating · Eetgelegenheid · since 10-10-2019

Similar companies · same sector, comparable size

BENSOTIER

BE 0661.832.582

Tessenderlo-Ham · Eq €2k

COGITAS

BE 0443.990.972

Ottignies-Louvain-la-Neuve · Eq €2k

Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 2,702 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-09-2019

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56102Limited-service restaurants

56111Full-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.