3PROMA
Active3PROMA has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €109k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 11% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+2
Solvency28▼-65
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.16 against 1.52 in 2024; short-term debt: 77.6% and cash: 7.9% of total assets), and 97.2% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
2.8%
Return on assets
16.5%
Age of the figures
9 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 31584 sector peers (2025).
NBB · sector comparisonPosition among 31584 sector peers
Solvency
better than 11%
← 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 14-04-2026, 108 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
108 d early
2024
37 d early
2023
36 d early
2022
35 d early
2021
38 d early
2020
32 d early
2019
31 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 96.2%
2024 · €490k
2018: €144k
2019: €191k
2020: €218k
2021: €269k
2022: €313k
2023: €385k
2024: €490k
2018 → 2025
Total assets
€658k▼ 8.0%
2024 · €715k
2018: €542k
2019: €561k
2020: €550k
2021: €629k
2022: €689k
2023: €715k
2024: €715k
2018 → 2025
Net result
€109k▲ 4.2%
2024 · €104k
2018: €31k
2019: €66k
2020: €70k
2021: €52k
2022: €44k
2023: €72k
2024: €104k
2018 → 2025
Working capital
€-430k
2024 · €41k
2018: €67k
2019: €50k
2020: €32k
2021: €-38k
2022: €-124k
2023: €-64k
2024: €41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€269k-€313k▲ 16.3%€385k▲ 23.1%€490k▲ 27.0%€19k▼ 96.2%
Operating result€69k-€65k▼ 5.9%€102k▲ 57.3%€140k▲ 37.4%€147k▲ 5.4%
Net result€52k-€44k▼ 14.9%€72k▲ 65.2%€104k▲ 43.9%€109k▲ 4.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €658k
Fixed assets
€577k▼ 3.4%
Current assets
€81k▼ 31.7%
Equity and liabilities €658k
Equity
€19k▼ 96.2%
Debt
€639k▲ 183%
The debt ratio rises from 31.6% to 97.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€167k▲
2024 · €160k
Cash flow
€129k▲
2024 · €124k
Solvency
2.8%▼
2024 · 68.4%
Current ratio
0.16▼
2024 · 1.52
Quick ratio
0.16▼
2024 · 1.52
Debt / equity
34.37▲
2024 · 0.46
ROE
583.4%▲
2024 · 21.3%
ROA
16.5%▲
2024 · 14.6%
Interest coverage
18.66▼
2024 · 23.73
Debt
€639k▲
2024 · €226k
Debt ≤ 1 year
€511k▲
2024 · €78k
Debt > 1 year
€128k▼
2024 · €148k
Income taxes
€30k▲
2024 · €29k
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€715k€658k▼
Fixed assets21/28€597k€577k▼
Tangible fixed assets22/27€597k€577k▼
Land and buildings22€596k€577k▼
Plant, machinery and equipment23€762€333▼
Current assets29/58€118k€81k▼
Amounts receivable within one year40/41€29k€24k▼
Trade receivables40€22k€22k▼
Other amounts receivable41€6k€2k▼
Cash at bank and in hand54/58€87k€52k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€715k€658k▼
Equity10/15€490k€19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€471k€0▼
Amounts payable17/49€226k€639k▲
Amounts payable after more than one year17€148k€128k▼
Financial debts170/4€148k€128k▼
Amounts payable within one year42/48€78k€511k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€15€5k▲
Suppliers440/4€15€5k▲
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Other amounts payable47/48€50k€478k▲
Accrued charges and deferred income492/3-€795
Income statement
Code20242025
Non-recurring operating income76A-€17k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€163k€172k▲
Operating profit (loss)9901€140k€147k▲
Financial income75/76B€74€508▲
Recurring financial income75€74€508▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€133k€139k▲
Income taxes67/77€29k€30k▲
Profit (loss) for the period9904€104k€109k▲
Profit (loss) for the period to be appropriated9905€104k€109k▲
Appropriation of the result
Profit (loss) to be appropriated9906€471k€580k▲
Profit (loss) brought forward from the previous period14P€367k€471k▲
Transfer from equity791/2€0-
Profit to be distributed694/7-€580k
Return on contributions (dividend)694-€580k
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
14-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €109k ▲4.2%
Operating result €147k, net result €109k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 1.52
Current ratio from 0.61 to 1.52; short-term debt falls from €162k to €78k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €218k ▲14.2%
3 profitable years in a row build equity to €218k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €191k ▲32.5%
2 profitable years in a row build equity to €191k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
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, Wetteren · 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.
Adolf Papeleustraat 829230 WetterenGround area
1,271 m²
Building footprint
197 m²
Volume, LiDAR
1,046 m³
Parcel 42303F0826/00N000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3PROMA
since 20142.225.909.676
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42303F0826/00N000 | Flanders | 1,271 m² | 1 · 197 m² | 9.3 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600DPH99NV7KVXF22
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 29,791 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.