3L M V3
ActiveSummary
3L M V3 has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €44k. Equity is growing by ~48.6% per year across the filed fiscal years. Its solvency ranks better than 71% of 198 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▼-3
Growth78=
Track record82
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity ample (current ratio 3.72 against 5.57 in 2024; short-term debt: 23.7% and cash: 50.8% of total assets), and 28% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 26
Relative position
BE, all sectors
reference
Sector 26
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
72%
Return on assets
37.4%
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 08-06-2026, 53 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
53 d early
2024
12 d late
2023
49 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€3k
EBIT margin
-142.6%
Net result
€44k▼ 43.6%
2024 · €79k
2023: €-5k
2024: €79k
2023 → 2025
Working capital
€77k▲ 6.4%
2024 · €72k
2023: €5k
2024: €72k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€3k-
Equity€5k-€83k▲ 1,752%€86k▲ 2.7%
Operating result€-5k-€99k€57k▼ 42.5%
Net result€-5k-€79k€44k▼ 43.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€14k ▲ 13.4%
Current assets
€105k ▲ 19.3%
Equity and liabilities €119k
Equity
€86k ▲ 2.7%
Debt
€33k ▲ 97.2%
Debt's share of the balance-sheet total rises from 16.8% to 28.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63k▼
2024 · €103k
Cash flow
€50k▼
2024 · €83k
Current ratio
3.72▼
2024 · 5.57
Debt to equity
0.39▲
2024 · 0.20
ROE
52.0%▼
2024 · 94.6%
ROA
37.4%▼
2024 · 78.7%
Interest coverage
1663.46▼
2024 · 2652.71
Debt ≤ 1 year
€28k▲
2024 · €16k
Income taxes
€13k▼
2024 · €20k
Staff costs
€15k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€100k€119k▲
Fixed assets21/28€12k€14k▲
Tangible fixed assets22/27€12k€14k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€12k
Assets under construction and advance payments27€12k-
Current assets29/58€88k€105k▲
Amounts receivable within one year40/41€21k€30k▲
Trade receivables40€17k€30k▲
Other amounts receivable41€4k€76▼
Cash at bank and in hand54/58€65k€60k▼
Deferred charges and accrued income490/1€3k€14k▲
Equity and liabilities
Total equity and liabilities10/49€100k€119k▲
Equity10/15€83k€86k▲
Reserves13€9k-
Distributable reserves133€9k-
Profit (loss) carried forward14€74k€86k▲
Amounts payable17/49€17k€33k▲
Amounts payable within one year42/48€16k€28k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€13k€15k▲
Taxes450/3€13k€15k▲
Remuneration and social security454/9-€200
Other amounts payable47/48€1k€9k▲
Accrued charges and deferred income492/3€1k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€50€401▲
Gross operating margin9900€104k€78k▼
Operating profit (loss)9901€99k€57k▼
Financial income75/76B€0€113▲
Recurring financial income75€0€113▲
Financial charges65/66B€39€38▼
Recurring financial charges65€39€38▼
Profit (loss) for the period before taxes9903€99k€57k▼
Income taxes67/77€20k€13k▼
Profit (loss) for the period9904€79k€44k▼
Profit (loss) for the period to be appropriated9905€79k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€119k▲
Profit (loss) brought forward from the previous period14P€-5k€74k▲
Profit to be distributed694/7-€33k
Directors or managers695-€33k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Back to profitnet €79k
Net result €79k after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Courcelles · 1 establishment unit since 2023
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.
Rue Verte(TR) 566183 CourcellesGround area
492 m²
Building footprint
85 m²
Volume, LiDAR
659 m³
Parcel 52066A0332/00V006, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L'ô colors
since 20232.352.089.553
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52066A0332/00V006 | Wallonia | 492 m² | 1 · 85 m² | 9.3 m · 3 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.
Similar companies · same sector, comparable size
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Tielt-Winge · Eq €80,206
BIOSkoop
BE 0809.512.906
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Deadbeef Engineering
BE 0788.198.442
Turnhout · Eq €78,359
ADMI SOFT
BE 0472.629.233
Genk · Eq €74,805
Of 147 companies in sector 26200 we hold annual accounts for 85. 51 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
26200Manufacture of computer, electronic and optical products
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
43350Other building finishing work
47400Retail sale of information and communication equipment
62100Computer programming
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.