3LV CONCEPTS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €433k and a net result of €30k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 5523 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
60 d late
2023
15 d early
2022
30 d late
2021
33 d early
2020
1 d early
2019
28 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€433k▲ 7.3%
2024 · €403k
2018: €255k
2019: €279k
2020: €251k
2021: €297k
2022: €321k
2023: €387k
2024: €403k
2018 → 2025
Net result
€30k▲ 83.4%
2024 · €16k
2018: €67k
2019: €24k
2020: €-28k
2021: €46k
2022: €23k
2023: €66k
2024: €16k
2018 → 2025
Total assets
€801k▼ 3.0%
2024 · €826k
2018: €518k
2019: €557k
2020: €948k
2021: €917k
2022: €874k
2023: €859k
2024: €826k
2018 → 2025
Solvency
54.0%▲ 5.2pp
2024 · 48.8%
2018: 49.2%
2019: 50.1%
2020: 26.5%
2021: 32.4%
2022: 36.7%
2023: 45.1%
2024: 48.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€297k-€321k▲ 7.8%€387k▲ 20.7%€403k▲ 4.2%€433k▲ 7.3%
Operating result€59k-€37k▼ 37.9%€97k▲ 162%€27k▼ 71.9%€44k▲ 62.2%
Net result€46k-€23k▼ 49.7%€66k▲ 185%€16k▼ 75.5%€30k▲ 83.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 62% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €801k
Fixed assets
€784k▼ 2.3%
Current assets
€17k▼ 27.8%
Equity and liabilities €801k
Equity
€433k▲ 7.3%
Debt
€368k▼ 12.9%
The debt ratio falls from 51.2% to 46.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
54.0%▲
2024 · 48.8%
ROE
6.9%▲
2024 · 4.0%
ROA
3.7%▲
2024 · 2.0%
Debt
€368k▼
2024 · €423k
Debt ≤ 1 year
€46k▲
2024 · €44k
Debt > 1 year
€323k▼
2024 · €379k
Income taxes
€8k▲
2024 · €5k
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€826k€801k▼
Fixed assets21/28€802k€784k▼
Tangible fixed assets22/27€737k€719k▼
Land and buildings22€735k€719k▼
Furniture and vehicles24€2k-
Financial fixed assets28€65k€65k=
Current assets29/58€24k€17k▼
Amounts receivable within one year40/41€11k€8k▼
Other amounts receivable41€11k€8k▼
Cash at bank and in hand54/58€11k€9k▼
Deferred charges and accrued income490/1€965-
Equity and liabilities
Total equity and liabilities10/49€826k€801k▼
Equity10/15€403k€433k▲
Contributions10/11€19k€19k=
Reserves13€385k€414k▲
Tax-exempt reserves132€19k€19k=
Distributable reserves133€366k€395k▲
Amounts payable17/49€423k€368k▼
Amounts payable after more than one year17€379k€323k▼
Financial debts170/4€379k€323k▼
Amounts payable within one year42/48€44k€46k▲
Current portion of amounts payable after more than one year42€41k€41k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€459€702▲
Taxes450/3€459€702▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€20k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€60k€68k▲
Operating profit (loss)9901€27k€44k▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€21k€38k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€16k€30k▲
Profit (loss) for the period to be appropriated9905€16k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€30k▲
Transfer to equity691/2€16k€29k▲
To other reserves6921€16k€29k▲
Profit to be distributed694/7-€500
Directors or managers695-€500
The notes to these accounts (10 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-28k ▼215%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Nieuwpoort · 1 establishment unit since 2014
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.
Kokstraat 408620 NieuwpoortGround area
360 m²
Building footprint
151 m²
Volume, LiDAR
1,072 m³
Parcel 38016B0564/00L000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3LV Concepts
since 20142.236.836.628
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38016B0564/00L000 | Flanders | 360 m² | 1 · 151 m² | 9.7 m · 2 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.