3Leaves

Active

Private limited companyfounded 20233 yrs activeMiksebeekstraat 85, 2930 Brasschaat, BelgiumKBO/BCE: BE 0804.562.243

The computed 12-month bankruptcy probability of 3Leaves is 2.5% (moderate). The 2025 annual accounts show equity of €18k and a net result of €957. Its solvency ranks better than 22% of 4462 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

51 / 100

Fair

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

Axes · tick = 2024

Profitability70▼-17

Solvency38▼-3

Growth52

Track record94

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 2.97 against 3.47 in 2024; short-term debt: 27.3% and cash: 3.7% of total assets), but 86.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 81

Relative position

BE, all sectors

reference

Sector 81

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

13.4%

Return on assets

0.7%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 4462 sector peers (2025).

NBB · sector comparison

Position among 4462 sector peers

Solvency

better than 22%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

29 d late

2024

26 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

19-09-2026 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

€18k▲ 5.5%

2024 · €17k

2024: €17k

2024 → 2025

Total assets

€137k▲ 23.1%

2024 · €111k

2024: €111k

2024 → 2025

Net result

€957▼ 94.2%

2024 · €16k

2024: €16k

2024 → 2025

Working capital

€73k▲ 57.5%

2024 · €47k

2024: €47k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€17k-€18k▲ 5.5%

Operating result€23k-€4k▼ 81.2%

Net result€16k-€957▼ 94.2%

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 81% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €137k

19.1%

80.9%

Fixed assets €26k▼ 42.8%

Current assets €111k▲ 69.1%

Equity and liabilities €137k

13.4%

86.6%

Equity €18k▲ 5.5%

Debt €118k▲ 26.4%

The debt ratio rises from 84.3% to 86.6%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€24k▼

2024 · €37k

Cash flow

€21k▼

2024 · €30k

Solvency

13.4%▼

2024 · 15.7%

Current ratio

2.97▼

2024 · 3.47

Quick ratio

2.84▼

2024 · 3.42

Debt / equity

6.44▲

2024 · 5.37

ROE

5.2%▼

2024 · 94.3%

ROA

0.7%▼

2024 · 14.8%

Interest coverage

9.88▼

2024 · 20.43

Debt

€118k▲

2024 · €94k

Debt ≤ 1 year

€37k▲

2024 · €19k

Debt > 1 year

€81k▲

2024 · €75k

Income taxes

€1k▼

2024 · €6k

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€111k€137k▲

Fixed assets21/28€46k€26k▼

Tangible fixed assets22/27€46k€26k▼

Plant, machinery and equipment23€13k€8k▼

Furniture and vehicles24€32k€18k▼

Financial fixed assets28€5€5=

Current assets29/58€65k€111k▲

Stocks and contracts in progress3€1k€5k▲

Stocks30/36€1k€5k▲

Amounts receivable within one year40/41€62k€100k▲

Trade receivables40€52k€95k▲

Other amounts receivable41€10k€6k▼

Cash at bank and in hand54/58€2k€5k▲

Deferred charges and accrued income490/1€495€390▼

Equity and liabilities

Total equity and liabilities10/49€111k€137k▲

Equity10/15€17k€18k▲

Contributions10/11€1k€1k=

Reserves13€16k€17k▲

Distributable reserves133€16k€17k▲

Amounts payable17/49€94k€118k▲

Amounts payable after more than one year17€75k€81k▲

Financial debts170/4€75k€81k▲

Amounts payable within one year42/48€19k€37k▲

Current portion of amounts payable after more than one year42€6k€327▼

Trade debts44€5k€29k▲

Suppliers440/4€5k€29k▲

Taxes, remuneration and social security45€7k€8k▲

Taxes450/3€7k€8k▲

Other amounts payable47/48€2k-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€20k▲

Other operating charges640/8€1k€1k▼

Gross operating margin9900€38k€25k▼

Operating profit (loss)9901€23k€4k▼

Financial income75/76B€509€390▼

Recurring financial income75€509€390▼

Financial charges65/66B€2k€2k▲

Recurring financial charges65€2k€2k▲

Profit (loss) for the period before taxes9903€22k€2k▼

Income taxes67/77€6k€1k▼

Profit (loss) for the period9904€16k€957▼

Profit (loss) for the period to be appropriated9905€16k€957▼

Appropriation of the result

Profit (loss) to be appropriated9906€16k€957▼

Transfer to equity691/2€16k€957▼

To other reserves6921€16k€957▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

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

2026

29-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 29 days late

2025

26-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 26 days late

NBB filing

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, Brasschaat · 1 establishment unit since 2023

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.

Miksebeekstraat 852930 Brasschaat

Ground area

1,596 m²

Building footprint

274 m²

Volume, LiDAR

1,389 m³

2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Van Landeghem Tuinen

Miksebeekstraat 82, 2930 BrasschaatSupport activities for crop production

since 20232.348.251.026

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11324D0310/00S000	Flanders	951 m²	1 · 156 m²	9.2 m · 2 fl.
11324D0244/00X002	Flanders	645 m²	1 · 118 m²	8.9 m · 1 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

Of 21,216 companies in sector 81300 we hold annual accounts for 4,363. 3,051 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded04-08-2023

Fiscal year end31-12

Activities, NACEBEL

81300Landscape service activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.