3POMMES.ORG
ActiveSummary
3POMMES.ORG has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.01M and a net result of €1.94M. Equity is shrinking by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 463 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+59
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €600k at 30 days acceptable
Liquidity ample (current ratio 9.72 against 19.96 in 2024; short-term debt: 9.5% and cash: 5.8% of total assets), and 9.6% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
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
90.4%
Return on assets
25.1%
Age of the figures
13 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €7.01M
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 31-03-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
19 d early
2022
10 d early
2021
17 d early
2020
15 d early
2019
13 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close24-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.94M▲ 2,518%
2024 · €74k
2019: €1.63M
2020: €3.66M
2021: €-1.66M
2022: €-2.40M
2023: €-1.94M
2024: €74k
2019 → 2025
Working capital
€6.45M▲ 44.2%
2024 · €4.48M
2019: €6.66M
2020: €10.31M
2021: €7.82M
2022: €6.00M
2023: €4.36M
2024: €4.48M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9.32M-€6.93M▼ 25.7%€4.99M▼ 27.9%€5.07M▲ 1.5%€7.01M▲ 38.3%
Operating result€-2.28M-€-2.65M▼ 16.0%€-1.46M▲ 44.8%€-3k▲ 99.8%€1.51M
Net result€-1.66M-€-2.40M▼ 44.1%€-1.94M▲ 19.2%€74k€1.94M▲ 2,518%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1.51M after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.75M
Fixed assets
€556k ▼ 6.5%
Current assets
€7.19M ▲ 52.7%
Equity and liabilities €7.75M
Equity
€7.01M ▲ 38.3%
Debt
€742k ▲ 210%
Debt's share of the balance-sheet total rises from 4.5% to 9.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.66M▲
2024 · €121k
Cash flow
€2.10M▲
2024 · €198k
Current ratio
9.72▼
2024 · 19.96
Debt to equity
0.11▲
2024 · 0.05
ROE
27.7%▲
2024 · 1.5%
ROA
25.1%▲
2024 · 1.4%
Interest coverage
7.46▲
2024 · -10.51
Debt ≤ 1 year
€740k▲
2024 · €236k
Staff costs
€1.26M▼
2024 · €1.27M
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.31M€7.75M▲
Fixed assets21/28€595k€556k▼
Tangible fixed assets22/27€594k€555k▼
Furniture and vehicles24€594k€555k▼
Financial fixed assets28€610€610=
Current assets29/58€4.71M€7.19M▲
Amounts receivable within one year40/41€30k€28k▼
Trade receivables40-€5k
Other amounts receivable41€30k€23k▼
Current investments50/53€3.89M€6.49M▲
Cash at bank and in hand54/58€771k€452k▼
Deferred charges and accrued income490/1€26k€226k▲
Equity and liabilities
Total equity and liabilities10/49€5.31M€7.75M▲
Equity10/15€5.07M€7.01M▲
Profit (loss) carried forward14€5.07M€7.01M▲
Amounts payable17/49€240k€742k▲
Amounts payable within one year42/48€236k€740k▲
Financial debts43-€489k
Credit institutions430/8-€489k
Trade debts44€16k€28k▲
Suppliers440/4€16k€28k▲
Taxes, remuneration and social security45€220k€223k▲
Taxes450/3-€14k
Remuneration and social security454/9€220k€208k▼
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.27M€1.26M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€124k€154k▲
Other operating charges640/8€25k€58k▲
Non-recurring operating charges66A€233-
Gross operating margin9900€1.42M€2.97M▲
Operating profit (loss)9901€-3k€1.51M▲
Financial income75/76B€66k€659k▲
Recurring financial income75€66k€659k▲
Financial charges65/66B€-12k€222k▲
Recurring financial charges65€-12k€222k▲
Profit (loss) for the period before taxes9903€74k€1.94M▲
Profit (loss) for the period9904€74k€1.94M▲
Profit (loss) for the period to be appropriated9905€74k€1.94M▲
Appropriation of the result
Profit (loss) to be appropriated9906€5.07M€7.01M▲
Profit (loss) brought forward from the previous period14P€4.99M€5.07M▲
Social balance
Average headcount (FTE)908711.411.4=
The notes to these accounts (7 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-08
Financial
Back to profitnet €74k
Net result €74k after 3 loss-making years.
31-08
Financial
Equity above €5MEq €5.07M ▲1.5%
Equity rises from €4.99M to €5.07M.
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
Financial
Weakest financial yearnet €-2.40M
Net result drops to €-2.40M, the lowest in the series; recovery starts the following year.
14-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
16-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-08
Financial
Highest result since 2019net €3.66M ▲124%
Net result €3.66M, the highest in the series.
31-08
Financial
Equity above €10MEq €10.99M ▲49.9%
2 profitable years in a row build equity to €10.99M.
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
04-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Namur · 1 establishment unit since 2004
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.
Chemin de la Caracole 725000 NamurGround area
4,920 m²
Building footprint
552 m²
Parcel 92302F0009/00H003, Wallonia. Linked by address, not a title deed.
1 establishment unit
3POMMES.ORG
since 20042.148.607.111
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302F0009/00H003 | Wallonia | 4,920 m² | 1 · 552 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur
Legal Entity Identifier
967600X64G0MOGKPNQ65
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V.Z.W. SOCIALE DIENST VAN DE FEDERALE OVERHEIDSDIENST VOLKSGEZONDHEID, VEILIGHEID VAN DE VOEDSELKETEN EN LEEFMILIEU, VAN DE FEDERALE OVERHEIDSDIENST S
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Of 2,203 companies in sector 88999 we hold annual accounts for 802. 242 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 formNon-profit association
Founded26-07-2004
Fiscal year end31-08
Activities, NACEBEL 2025
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.