Turnover
≈ €150,000 estimated
The micro format states no turnover.
3rdmillenium
Overview
Lifetime
1 annual account with figurespeak €101,992 (2025)
€101,992
peak €80,594 (2025)
€80,594
peak €81,761 (2025)
€81,761
€11,090
Board1 name since 2025
1 directorCUVELIER, Jonathan
Documentsfilings and deeds
10-07-202621 days before the deadline
2025micro format
Incorporation 20-01Dividend €8331 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€2,000 100 shares
Position in the sector
€80,594
Higher net result than 88% of companies in computer programming and consultancy. Sector median €28,568 · 21,214 companies.
Checked score
98
Excellent
Financially stronger than 86% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 0.4%
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026highest value
08-2026: < 0.1%▼ -0.4 percentage points vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 8.21, cash €64,301
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €81,761 (88.1% of total assets)
Size: total assets €92,850
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 90% on liquidity and 82% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as 3rdmillenium has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of 3rdmillenium itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for 3rdmillenium. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €8,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 8.21, above the usual 1.5. Short-term debt is 11.9% and cash 69.3% of total assets. 11.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 10-07-2026, 21 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
21 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1018833956
Incorporation
Founding capital of €2,000, 100 shares · Founder: CUVELIER, Jonathan · Appointment: CUVELIER, Jonathan (statutory director) · published on 20-01-2025 · Gazette deed
First establishment
Rue de Soignies 26, Nivelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 3rdmillenium Nivelles | €92,850 | €101,992 | 88.1% | - |
| Rayod Consulting Wavre | €113,988 | €103,395 | 74.5% | - |
| SIGEAD Wavre | €108,064 | €95,645 | 60.3% | - |
| PRAGMATEK Braine-l'Alleud | €95,847 | €88,675 | 75.7% | - |
| DVTech Charleroi | €97,364 | €106,606 | 69.0% | - |
| Dotify Hoeilaart | €94,057 | €92,538 | 75.7% | - |
| Codura Antwerp | €82,864 | €101,969 | 97.5% | - |
These companies have the same main activity as 3rdmillenium: computer programming (NACE 62100). They are comparable in size and age: total assets between €82,900 and €114,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 16-01-2025Normal situation
- Activity
- Computer programmingNACE 62100and 3 others
- Establishment unit
- 2.369.001.4051400 Nivelles, since 16-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 03-02-2025
Annual accounts 2025
- €101,992
- €80,594
- €81,761
- €92,850
- Filing
- Filed on 10-07-2026, 21 days before the end of the filing period
Insights on 3rdmillenium
3rdmillenium has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81,761 and a net result of €80,594.
Its solvency ranks better than 86% of 21,208 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 10-07-2026, 21 days before the deadline€101,992
€101,254
€80,594
€80,005
88.1%
8.21
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €150,000. Estimated: probably between €130,000 and €210,000.
Balance sheet
balance sheet total €92,850 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
88.1%
Higher than 86% of 21,208 companies in 2025.
8.21
Higher than 86% of 20,571 companies in 2025.
86.8%
Higher than 95% of 20,746 companies in 2025.
3rdmillenium
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
92,850 | |
21/28 |
1,756 | |
22/27 |
1,756 | |
24 |
1,756 | |
29/58 |
91,095 | |
40/41 |
20,857 | |
40 |
20,857 | |
54/58 |
64,301 | |
490/1 |
5,937 | |
| Balance sheet: equity and liabilities | ||
10/49 |
92,850 | |
10/15 |
81,761 | |
10/11 |
2,000 | |
14 |
79,761 | |
17/49 |
11,090 | |
42/48 |
11,090 | |
44 |
261 | |
440/4 |
261 | |
45 |
9,887 | |
450/3 |
9,887 | |
47/48 |
942 | |
| Income statement | ||
9900 |
101,992 | |
630 |
572 | |
640/8 |
166 | |
9901 |
101,254 | |
75/76B |
1,653 | |
75 |
1,653 | |
65/66B |
636 | |
65 |
636 | |
9903 |
102,272 | |
67/77 |
21,678 | |
9904 |
80,594 | |
9905 |
80,594 | |
| Appropriation of the result | ||
9906 |
80,594 | |
694/7 |
833 | |
694 |
833 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 10-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 10-07-2026 | 2026-00278459 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 101,826 | ||
| 81,166 | ||
| 2,328 | ||
| 80,005 | ||
| 88.1% | ||
| 8.21 | ||
| 0.14 | ||
| 98.6% | ||
| 86.8% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €2,328 |
| €572 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on 3rdmillenium
Debt's share of the balance-sheet total is 11.9%.
Board & ownership
Board
1 director, since incorporationStatutory director
since 16-01-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 10-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Est désigné en qualité d’administrateur statutaire pour toute la durée de la société : Monsieur Jonathan CUVELIER, précité. B/ Pouvoirs…”deed of 20-01-2025
Mandates through the years
1 name, the dashed line is todayCUVELIER, Jonathan
Statutory director
Statutory director
Board
Mandates as a list
- CUVELIER, Jonathan
- Statutory director, from 16-01-2025 to date
Control
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €818 in 2025
- Source
- deed of 20-01-2025
Articles of association
deed of 20-01-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “2:55, avec ou sans limitation”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs prorata, mêmes formalités”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 10:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Articles_2:87_et_suivants”
Shareholders
At incorporation
deed of 20-01-2025 ↗
- CUVELIER, Jonathan 100 shares
Network & group
No group
3rdmillenium has no parent and no holdings in its annual accounts. CUVELIER, Jonathan is the only director. 3rdmillenium shares no director with another company.
At the same address
Rue de Soignies 26, 1400 Nivelles · 1 other company| Ecoles Fondamentales et Lycee de l'institut de l'Enfant Jesus
establishment since 01-01-2007 · founded in 1968 |
18 FTE (2025) 0409.897.551 |
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 21 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1018833956
IncorporationFounding capital of €2,000, 100 shares · Founder: CUVELIER, Jonathan · Appointment: CUVELIER, Jonathan (statutory director) · published on 20-01-20256 points ▸
- Founder, CUVELIER, Jonathan
- Founding capital, €2,000, 100 shares
- CUVELIER, Jonathan holds 100 shares
- 100 shares
- Registered office clause, rue de Soignies 26, 1400 Nivelles
- Director appointment, CUVELIER, Jonathan (statutory director), mentioned twice in the deed
- The deed holds 9 more points.
First establishment Rue de Soignies 26, Nivelles
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1018.833.956
- VAT number
- BE 1018.833.956
- Peppol ID
- 0208:1018833956
- Other Peppol ID
- 9925:BE1018833956
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 16-01-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 10:00deed of 20-01-2025 (in French)
- Website
- 3rdmillenium.be/
- Peppol
- Reachable since 03-02-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- 3rdmillenium in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 20-01-2025 (in French)
- Name clauseThe company operates under this name according to its articles.
- 3rdmilleniumdeed of 20-01-2025 (in French)
Activities
NACEBEL 202562100
Computer programming main activity
63910
Web portal activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La fourniture de services de conseils en informatique; La création d’interfaces utilisateur au développement web/mobile”deed of 20-01-2025 (in French)
2 activities
- La fourniture de services de conseils en informatique ;
- La création d’interfaces utilisateur au développement web/mobile.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de Soignies 26 registered office 1400 Nivelles | 16-01-2025 | 2.369.001.405 |
Buildings and parcels at the address
- Ground area
- 183 m²
- Buildings
- 70 m²
- Volume, LiDAR
- 624 m³
- Tallest building
- 13.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25782D0250/00F000 | 183 m² | 1 · 70 m² | 13.8 m · 3 |
Contact
E-mail
jonathan@3rdmillenium.be