3P@WORK
ActiveSummary
3P@WORK has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €157k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 23% of 2043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency33▼-17
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.26 in 2024; short-term debt: 41.1% and cash: 34.1% of total assets), and 92% 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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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
8%
Return on assets
55.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2043 sector peers (2025).
NBB · sector comparisonPosition among 2043 sector peers
Solvency
better than 23%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
16 d early
2024
16 d early
2023
22 d early
2022
17 d late
2021
20 d early
2020
23 d early
2019
27 d late
← 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
Not included in this filing
EBIT margin
Not included in this filing
Net result
€157k▲ 233%
2024 · €47k
2018: €31k
2019: €14k
2020: €10k
2021: €24k
2022: €13k
2023: €43k
2024: €47k
2018 → 2025
Working capital
€42k▲ 106%
2024 · €21k
2018: €25k
2019: €24k
2020: €18k
2021: €23k
2022: €8k
2023: €24k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€41k▲ 7.1%€63k▲ 54.6%€60k▼ 4.3%€23k▼ 62.3%
Operating result€34k-€20k▼ 40.7%€60k▲ 193%€64k▲ 7.1%€211k▲ 229%
Net result€24k-€13k▼ 46.5%€43k▲ 241%€47k▲ 9.2%€157k▲ 233%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 229% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€126k ▼ 9.8%
Current assets
€160k ▲ 58.7%
Equity and liabilities €286k
Equity
€23k ▼ 62.3%
Debt
€263k ▲ 46.1%
Debt's share of the balance-sheet total rises from 74.9% to 92.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€224k▲
2024 · €78k
Cash flow
€171k▲
2024 · €61k
Current ratio
1.36▲
2024 · 1.26
Debt to equity
11.56▲
2024 · 2.98
ROE
691.9%▲
2024 · 78.3%
ROA
55.1%▲
2024 · 19.7%
Interest coverage
36.22▲
2024 · 18.19
Debt ≤ 1 year
€117k▲
2024 · €80k
Debt > 1 year
€145k▲
2024 · €100k
Income taxes
€48k▲
2024 · €13k
Staff costs
€-235▼
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€240k€286k▲
Fixed assets21/28€140k€126k▼
Tangible fixed assets22/27€140k€126k▼
Land and buildings22€138k€125k▼
Plant, machinery and equipment23€639€443▼
Furniture and vehicles24€1k€319▼
Current assets29/58€101k€160k▲
Amounts receivable within one year40/41€18k€50k▲
Trade receivables40€18k€37k▲
Other amounts receivable41€0€13k▲
Cash at bank and in hand54/58€81k€98k▲
Deferred charges and accrued income490/1€2k€13k▲
Equity and liabilities
Total equity and liabilities10/49€240k€286k▲
Equity10/15€60k€23k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€40k€2k▼
Amounts payable17/49€180k€263k▲
Amounts payable after more than one year17€100k€145k▲
Financial debts170/4€100k€145k▲
Amounts payable within one year42/48€80k€117k▲
Current portion of amounts payable after more than one year42€18k€33k▲
Trade debts44€8k€17k▲
Suppliers440/4€8k€17k▲
Advances received on contracts in progress46-€22k
Taxes, remuneration and social security45€12k€46k▲
Taxes450/3€10k€46k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€43k€0▼
Accrued charges and deferred income492/3€133€117▼
Income statement
Code20242025
Remuneration, social security and pensions62€1k€-235▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€1k€862▼
Gross operating margin9900€80k€225k▲
Operating profit (loss)9901€64k€211k▲
Financial income75/76B€179€870▲
Recurring financial income75€179€870▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€60k€205k▲
Income taxes67/77€13k€48k▲
Profit (loss) for the period9904€47k€157k▲
Profit (loss) for the period to be appropriated9905€47k€157k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€197k▲
Profit (loss) brought forward from the previous period14P€43k€40k▼
Transfer from equity791/2€0-
Profit to be distributed694/7€50k€195k▲
Return on contributions (dividend)694€50k€195k▲
The notes to these accounts (13 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €157k ▲233%
Operating result €211k, net result €157k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €10k ▼32.6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Binche · 1 establishment unit since 2017
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 des Ecoles(BUV) 417133 BincheGround area
583 m²
Building footprint
75 m²
Volume, LiDAR
598 m³
Parcel 56014A0312/00G000, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SPRL 3P@Work
since 20172.266.286.917
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56014A0312/00G000 | Wallonia | 583 m² | 1 · 75 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.
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NEXT YOU
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Of 3,017 companies in sector 85592 we hold annual accounts for 987. 599 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
Founded11-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
85592Vocational training
70200Business and other management consultancy
71121Engineering and related technical consultancy, excluding land surveyors
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.