Summary
3MOORS 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 €1.0m and a net result of €133,753. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 2460 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
26 d late
2022
on the day
2021
45 d early
2020
51 d early
2019
51 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€1.0m▼ 7.2%
2024 · €1.1m
Net result
€133,753▼ 56.8%
2024 · €309,843
Total assets
€1.2m▲ 2.4%
2024 · €1.2m
Solvency
83.9%▼ 8.7pp
2024 · 92.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€193,375▲ 81.1%€214,880▲ 11.1%€413,419▲ 92.4%€435,584▲ 5.4%€183,092▼ 58.0%
Net result€145,284above the sector's middle half▲ 73.6%€161,706above the sector's middle half▲ 11.3%€296,381above the sector's middle half▲ 83.3%€309,843above the sector's middle half▲ 4.5%€133,753above the sector's middle half▼ 56.8%
Equity€435,163above the sector's middle half▲ 30.8%€562,452above the sector's middle half▲ 29.3%€857,233above the sector's middle half▲ 52.4%€1.1mabove the sector's middle half▲ 29.0%€1.0mabove the sector's middle half▼ 7.2%
Total assets€505,330within the sector's middle half▲ 36.6%€679,699within the sector's middle half▲ 34.5%€997,713above the sector's middle half▲ 46.8%€1.2mabove the sector's middle half▲ 19.7%€1.2mabove the sector's middle half▲ 2.4%
Debt€70,166▲ 87.6%€117,247▲ 67.1%€140,481▲ 19.8%€88,734▼ 36.8%€196,956▲ 122%
Working capital€334,799▲ 44.5%€457,161▲ 36.5%€753,892▲ 64.9%€1.1m▲ 45.7%€1.0m▼ 7.0%
Solvency86.1%above the sector's middle half▼ 3.8pp82.8%above the sector's middle half▼ 3.4pp85.9%above the sector's middle half▲ 3.2pp92.6%above the sector's middle half▲ 6.6pp83.9%above the sector's middle half▼ 8.7pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€11,092 ▼ 51.0%
Current assets
€1.2m ▲ 3.4%
Equity and liabilities €1.2m
Equity
€1.0m ▼ 7.2%
Debt
€196,956 ▲ 122%
Debt's share of the balance-sheet total rises from 7.4% to 16.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
13.0%▼
2024 · 28.0%
ROA
10.9%▼
2024 · 25.9%
Debt ≤ 1 year
€189,771▲
2024 · €73,128
Debt > 1 year
€7,185▼
2024 · €15,606
Income taxes
€63,577▼
2024 · €144,520
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €1,112 | - | €276,585 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €554 | €2,422 | €9,947 | €9,975 | €10,368 | ▲ 3.9% |
| Other operating charges640/8 | €703 | €671 | €572 | €565 | €1,357 | ▲ 140% |
| Gross operating margin9900 | €194,632 | €217,973 | €423,938 | €446,124 | €194,817 | ▼ 56.3% |
| Operating profit (loss)9901 | €193,375 | €214,880 | €413,419 | €435,584 | €183,092 | ▼ 58.0% |
| Financial income75/76B | €14,563 | €18,770 | €20,953 | €22,544 | €14,991 | ▼ 33.5% |
| Recurring financial income75 | €14,563 | €18,770 | €20,953 | €22,544 | €14,991 | ▼ 33.5% |
| Financial charges65/66B | €51 | €409 | €986 | €3,765 | €753 | ▼ 80.0% |
| Recurring financial charges65 | €51 | €409 | €986 | €3,765 | €753 | ▼ 80.0% |
| Profit (loss) for the period before taxes9903 | €207,888 | €233,242 | €433,386 | €454,363 | €197,330 | ▼ 56.6% |
| Income taxes67/77 | €62,603 | €71,536 | €137,006 | €144,520 | €63,577 | ▼ 56.0% |
| Profit (loss) for the period9904 | €145,284 | €161,706 | €296,381 | €309,843 | €133,753 | ▼ 56.8% |
| Profit (loss) for the period to be appropriated9905 | €145,284 | €161,706 | €296,381 | €309,843 | €133,753 | ▼ 56.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €505,330 | €679,699 | €997,713 | €1.2m | €1.2m | ▲ 2.4% |
| Fixed assets21/28 | €100,365 | €137,099 | €127,153 | €22,656 | €11,092 | ▼ 51.0% |
| Tangible fixed assets22/27 | €3,878 | €40,612 | €30,666 | €22,656 | €11,092 | ▼ 51.0% |
| Furniture and vehicles24 | - | €37,289 | €27,896 | €20,440 | €10,552 | ▼ 48.4% |
| Other tangible fixed assets26 | €3,878 | €3,324 | €2,770 | €2,216 | €540 | ▼ 75.6% |
| Financial fixed assets28 | €96,487 | €96,487 | €96,487 | - | - | - |
| Current assets29/58 | €404,965 | €542,600 | €870,560 | €1.2m | €1.2m | ▲ 3.4% |
| Amounts receivable after more than one year29 | - | €68,500 | €51,375 | €34,250 | - | - |
| Trade receivables290 | - | €68,500 | €51,375 | - | - | - |
| Other amounts receivable291 | - | - | - | €34,250 | - | - |
| Amounts receivable within one year40/41 | €75,818 | €109,062 | €325,128 | €21,055 | €1,514 | ▼ 92.8% |
| Trade receivables40 | €75,818 | €106,952 | €299,740 | €18,150 | - | - |
| Other amounts receivable41 | - | €2,110 | €25,388 | €2,905 | €1,514 | ▼ 47.9% |
| Current investments50/53 | €24,000 | €48,559 | €322,559 | €990,951 | €1.1m | ▲ 11.9% |
| Cash at bank and in hand54/58 | €302,806 | €314,487 | €169,675 | €119,206 | €95,523 | ▼ 19.9% |
| Deferred charges and accrued income490/1 | €2,341 | €1,992 | €1,824 | €6,050 | €5,447 | ▼ 10.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €505,330 | €679,699 | €997,713 | €1.2m | €1.2m | ▲ 2.4% |
| Equity10/15 | €435,163 | €562,452 | €857,233 | €1.1m | €1.0m | ▼ 7.2% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €416,613 | €543,902 | €838,683 | €1.1m | €1.0m | ▼ 7.3% |
| Non-distributable reserves130/1 | €1,855 | €1,855 | - | - | - | - |
| Reserves not available under the articles1311 | €1,855 | €1,855 | - | - | - | - |
| Distributable reserves133 | €414,758 | €542,047 | €838,683 | €1.1m | €1.0m | ▼ 7.3% |
| Amounts payable17/49 | €70,166 | €117,247 | €140,481 | €88,734 | €196,956 | ▲ 122% |
| Amounts payable after more than one year17 | - | €31,809 | €23,812 | €15,606 | €7,185 | ▼ 54.0% |
| Financial debts170/4 | - | €31,809 | €23,812 | €15,606 | €7,185 | ▼ 54.0% |
| Amounts payable within one year42/48 | €70,166 | €85,439 | €116,669 | €73,128 | €189,771 | ▲ 160% |
| Current portion of amounts payable after more than one year42 | - | €7,793 | €7,997 | €8,206 | €8,421 | ▲ 2.6% |
| Trade debts44 | €3,693 | €3,271 | €2,948 | €5,253 | €2,488 | ▼ 52.6% |
| Suppliers440/4 | €3,693 | €3,271 | €2,948 | €5,253 | €2,488 | ▼ 52.6% |
| Taxes, remuneration and social security45 | €22,840 | €39,958 | €104,604 | €58,504 | €74,225 | ▲ 26.9% |
| Taxes450/3 | €22,840 | €39,958 | €104,604 | €58,504 | €72,023 | ▲ 23.1% |
| Remuneration and social security454/9 | - | - | - | - | €2,202 | - |
| Other amounts payable47/48 | €43,634 | €34,417 | €1,120 | €1,166 | €104,637 | ▲ 8,872% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €145,284 | €161,706 | €296,381 | €309,843 | €133,753 | ▼ 56.8% |
| + Depreciation and write-downs630 | €554 | €2,422 | €9,947 | €9,975 | €10,368 | ▲ 3.9% |
| Operating cash flow (approximation) | €145,838 | €164,127 | €306,327 | €319,818 | €144,122 | ▼ 54.9% |
| Investment in fixed assets (approximation) | - | -€39,156 | €0 | €94,522 | €1,195 | ▼ 98.7% |
| Change in cash | - | €11,681 | -€144,812 | -€50,469 | -€23,683 | ▲ 53.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2018net €309,843 ▲4.5%
Operating result €435,584, net result €309,843, both a record.
31-12
Financial
Liquidity doublescurrent ratio 16.02
Current ratio from 7.46 to 16.02; short-term debt falls from €116,669 to €73,128.
31-12
Financial
Equity above €1mEq €1.1m ▲29%
7 profitable years in a row build equity to €1.1m.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500,000Eq €562,452 ▲29.3%
5 profitable years in a row build equity to €562,452.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 26.89
Current ratio from 10.46 to 26.89; short-term debt falls from €11,945 to €6,838.
Show earlier events
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Hasselt · 1 establishment unit since 2013
Ground area
1,318 m²
Building footprint
154 m²
Volume, LiDAR
756 m³
Parcel 71324E0223/00P000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3MOORS
since 20132.218.626.065
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0223/00P000 | Flanders | 1,317 m² | 1 · 154 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 7,537 EUR awarded · 7,537 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,317 EUR | 2,317 EUR |
| 2024 | 1 | 5,220 EUR | 5,220 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
98450004137A371C8908
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,159 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-04-2013
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66210Risk and damage evaluation
E-invoicing
Reachable via Peppol
Peppol ID
0208:0526959329
Also
9925:BE0526959329
Registered
24-11-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.