Summary
3PEN1D 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 €54,723 and a net result of €49,601. Its solvency ranks better than 17% of 5565 sector peers (fiscal year 2025). The company has been active since 2024 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
2 d early
2024
7 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€54,723▲ 969%
2024 · €5,121
Net result
€49,601▲ 2,238%
2024 · €2,121
Total assets
€357,574▲ 12.8%
2024 · €317,052
Solvency
15.3%▲ 13.7pp
2024 · 1.6%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€5,208-€76,162▲ 1,362%
Net result€2,121-€49,601▲ 2,238%
Equity€5,121-€54,723▲ 969%
Total assets€317,052-€357,574▲ 12.8%
Debt€311,930-€302,851▼ 2.9%
Working capital-€14,942-€17,507
Solvency1.6%-15.3%▲ 13.7pp
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1,362% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €357,574
Fixed assets
€297,106 =
Current assets
€60,467 ▲ 203%
Equity and liabilities €357,574
Equity
€54,723 ▲ 969%
Debt
€302,851 ▼ 2.9%
Debt's share of the balance-sheet total falls from 98.4% to 84.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
90.6%▲
2024 · 41.4%
ROA
13.9%▲
2024 · 0.7%
Debt ≤ 1 year
€42,960▲
2024 · €34,888
Debt > 1 year
€259,891▼
2024 · €277,043
Income taxes
€14,699▲
2024 · €774
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €752 | €1,949 | ▲ 159% |
| Gross operating margin9900 | €5,961 | €78,111 | ▲ 1,210% |
| Operating profit (loss)9901 | €5,208 | €76,162 | ▲ 1,362% |
| Financial income75/76B | - | €960 | - |
| Recurring financial income75 | - | €960 | - |
| Financial charges65/66B | €2,313 | €12,822 | ▲ 454% |
| Recurring financial charges65 | €2,313 | €12,822 | ▲ 454% |
| Profit (loss) for the period before taxes9903 | €2,895 | €64,300 | ▲ 2,121% |
| Income taxes67/77 | €774 | €14,699 | ▲ 1,799% |
| Profit (loss) for the period9904 | €2,121 | €49,601 | ▲ 2,238% |
| Profit (loss) for the period to be appropriated9905 | €2,121 | €49,601 | ▲ 2,238% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €317,052 | €357,574 | ▲ 12.8% |
| Fixed assets21/28 | €297,106 | €297,106 | = |
| Financial fixed assets28 | €297,106 | €297,106 | = |
| Current assets29/58 | €19,945 | €60,467 | ▲ 203% |
| Amounts receivable within one year40/41 | €332 | €33,715 | ▲ 10,057% |
| Trade receivables40 | €332 | - | - |
| Other amounts receivable41 | - | €33,715 | - |
| Cash at bank and in hand54/58 | €16,336 | €23,804 | ▲ 45.7% |
| Deferred charges and accrued income490/1 | €3,277 | €2,948 | ▼ 10.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €317,052 | €357,574 | ▲ 12.8% |
| Equity10/15 | €5,121 | €54,723 | ▲ 969% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Reserves13 | €2,121 | €51,723 | ▲ 2,338% |
| Distributable reserves133 | €2,121 | €51,723 | ▲ 2,338% |
| Amounts payable17/49 | €311,930 | €302,851 | ▼ 2.9% |
| Amounts payable after more than one year17 | €277,043 | €259,891 | ▼ 6.2% |
| Financial debts170/4 | €277,043 | €259,891 | ▼ 6.2% |
| Amounts payable within one year42/48 | €34,888 | €42,960 | ▲ 23.1% |
| Current portion of amounts payable after more than one year42 | €16,481 | €17,151 | ▲ 4.1% |
| Trade debts44 | - | €11,110 | - |
| Suppliers440/4 | - | €11,110 | - |
| Taxes, remuneration and social security45 | €5,507 | €14,699 | ▲ 167% |
| Taxes450/3 | €5,507 | €14,699 | ▲ 167% |
| Other amounts payable47/48 | €12,899 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €2,121 | €49,601 | ▲ 2,238% |
| Operating cash flow (approximation) | €2,121 | €49,601 | ▲ 2,238% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €7,468 | - |
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Liquidity doublescurrent ratio 1.41
Current ratio from 0.57 to 1.41.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Balen · 1 establishment unit since 2024
Ground area
595 m²
Building footprint
191 m²
Volume, LiDAR
809 m³
Parcel 13003D1031/00M003, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3PEN1D
since 20242.356.804.050
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003D1031/00M003 | Flanders | 595 m² | 1 · 191 m² | 8.7 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the annual accounts to 30-06-2025 of 3PEN1D and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 10,690 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
Founded05-03-2024
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:1006796850
Registered
26-07-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.