Summary
3RM 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 €414,402 and a net result of €60,998. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 5558 sector peers (fiscal year 2025). The company has been active since 2014 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
5 d early
2022
3 d early
2021
3 d early
2020
9 d early
2019
21 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close26-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€414,402▲ 17.3%
2024 · €353,404
Net result
€60,998
2024 · -€19,102
Total assets
€473,908▼ 0.6%
2024 · €476,766
Solvency
87.4%▲ 13.3pp
2024 · 74.1%
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
Line20212022202320242025
Operating result€300,717▲ 71.1%€252,551▼ 16.0%€169,558▼ 32.9%€183,149▲ 8.0%€91,950▼ 49.8%
Net result€210,649▲ 78.8%€189,604▼ 10.0%€128,720▼ 32.1%-€19,102€60,998
Equity€339,183▲ 3.2%€528,787▲ 55.9%€372,507▼ 29.6%€353,404▼ 5.1%€414,402▲ 17.3%
Total assets€712,281▲ 5.7%€746,457▲ 4.8%€768,612▲ 3.0%€476,766▼ 38.0%€473,908▼ 0.6%
Debt€373,098▲ 8.1%€217,670▼ 41.7%€396,105▲ 82.0%€123,361▼ 68.9%€59,506▼ 51.8%
Working capital-€59,220▼ 780%€85,163-€112,598-€15,585▲ 86.2%€44,976
Solvency47.6%▼ 1.1pp70.8%▲ 23.2pp48.5%▼ 22.4pp74.1%▲ 25.7pp87.4%▲ 13.3pp
Staff (FTE)00
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €473,908
Fixed assets
€388,214 ▼ 2.5%
Current assets
€85,694 ▲ 9.2%
Equity and liabilities €473,908
Equity
€414,402 ▲ 17.3%
Debt
€59,506 ▼ 51.8%
Debt's share of the balance-sheet total falls from 25.9% to 12.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
14.7%▲
2024 · -5.4%
ROA
12.9%▲
2024 · -4.0%
Debt ≤ 1 year
€40,717▼
2024 · €94,092
Debt > 1 year
€18,788▼
2024 · €29,269
Income taxes
€28,445▼
2024 · €52,239
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,536 | €18,648 | €23,692 | €21,214 | €28,444 | ▲ 34.1% |
| Other operating charges640/8 | - | €6,851 | €2,741 | €5,155 | €2,603 | ▼ 49.5% |
| Gross operating margin9900 | €320,956 | €278,050 | €195,990 | €209,519 | €122,997 | ▼ 41.3% |
| Operating profit (loss)9901 | €300,717 | €252,551 | €169,558 | €183,149 | €91,950 | ▼ 49.8% |
| Financial income75/76B | - | €7,255 | €12,228 | €5,090 | €930 | ▼ 81.7% |
| Recurring financial income75 | €5,991 | €7,255 | €12,228 | €5,090 | €930 | ▼ 81.7% |
| Financial charges65/66B | - | €7,076 | €5,269 | €155,103 | €3,437 | ▼ 97.8% |
| Recurring financial charges65 | €12,084 | €7,076 | €5,269 | €5,103 | €3,437 | ▼ 32.7% |
| Non-recurring financial charges66B | - | - | - | €150,000 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | €294,624 | €252,731 | €176,516 | €33,137 | €89,443 | ▲ 170% |
| Income taxes67/77 | €83,975 | €63,127 | €47,796 | €52,239 | €28,445 | ▼ 45.5% |
| Profit (loss) for the period9904 | €210,649 | €189,604 | €128,720 | -€19,102 | €60,998 | ▲ 419% |
| Profit (loss) for the period to be appropriated9905 | €210,649 | €189,604 | €128,720 | -€19,102 | €60,998 | ▲ 419% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €712,281 | €746,457 | €768,612 | €476,766 | €473,908 | ▼ 0.6% |
| Fixed assets21/28 | €553,540 | €552,226 | €546,898 | €398,258 | €388,214 | ▼ 2.5% |
| Tangible fixed assets22/27 | €270,439 | €269,125 | €263,797 | €265,157 | €255,113 | ▼ 3.8% |
| Land and buildings22 | - | €228,334 | €229,783 | €217,704 | €206,797 | ▼ 5.0% |
| Plant, machinery and equipment23 | - | €2,172 | €1,572 | €16,022 | €13,622 | ▼ 15.0% |
| Furniture and vehicles24 | - | €2,094 | €0 | €4,504 | €13,283 | ▲ 195% |
| Other tangible fixed assets26 | - | €36,525 | €32,442 | €26,927 | €21,411 | ▼ 20.5% |
| Financial fixed assets28 | €283,101 | €283,101 | €283,101 | €133,101 | €133,101 | = |
| Current assets29/58 | €158,741 | €194,231 | €221,714 | €78,507 | €85,694 | ▲ 9.2% |
| Amounts receivable within one year40/41 | €143,932 | €172,207 | €199,325 | €46,683 | €57,271 | ▲ 22.7% |
| Trade receivables40 | - | €28,327 | €56,528 | €41,593 | €22,297 | ▼ 46.4% |
| Other amounts receivable41 | - | €143,880 | €142,797 | €5,090 | €34,974 | ▲ 587% |
| Cash at bank and in hand54/58 | €12,932 | €18,653 | €19,474 | €29,823 | €26,772 | ▼ 10.2% |
| Deferred charges and accrued income490/1 | - | €3,371 | €2,915 | €2,000 | €1,650 | ▼ 17.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €712,281 | €746,457 | €768,612 | €476,766 | €473,908 | ▼ 0.6% |
| Equity10/15 | €339,183 | €528,787 | €372,507 | €353,404 | €414,402 | ▲ 17.3% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €320,633 | €510,237 | €353,957 | €334,854 | €395,852 | ▲ 18.2% |
| Non-distributable reserves130/1 | - | €0 | - | - | - | - |
| Reserves not available under the articles1311 | - | €0 | - | - | - | - |
| Distributable reserves133 | - | €510,237 | €353,957 | €334,854 | €395,852 | ▲ 18.2% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €373,098 | €217,670 | €396,105 | €123,361 | €59,506 | ▼ 51.8% |
| Amounts payable after more than one year17 | €155,137 | €108,602 | €61,414 | €29,269 | €18,788 | ▼ 35.8% |
| Financial debts170/4 | - | €108,602 | €61,414 | €29,269 | €18,788 | ▼ 35.8% |
| Amounts payable within one year42/48 | €217,961 | €109,068 | €334,312 | €94,092 | €40,717 | ▼ 56.7% |
| Current portion of amounts payable after more than one year42 | - | €47,404 | €47,188 | €32,145 | €10,481 | ▼ 67.4% |
| Financial debts43 | - | €8,305 | €0 | €12,262 | €10,871 | ▼ 11.3% |
| Credit institutions430/8 | - | €8,305 | €0 | €12,262 | €10,871 | ▼ 11.3% |
| Trade debts44 | €4,215 | €21,523 | €18,090 | €1,366 | €5,331 | ▲ 290% |
| Suppliers440/4 | - | €21,523 | €18,090 | €1,366 | €5,331 | ▲ 290% |
| Taxes, remuneration and social security45 | - | €31,836 | €67,587 | €35,156 | €14,035 | ▼ 60.1% |
| Taxes450/3 | - | €31,836 | €67,587 | €35,156 | €14,035 | ▼ 60.1% |
| Other amounts payable47/48 | - | €0 | €201,446 | €13,162 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | €380 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €210,649 | €189,604 | €128,720 | -€19,102 | €60,998 | ▲ 419% |
| + Depreciation and write-downs630 | €14,536 | €18,648 | €23,692 | €21,214 | €28,444 | ▲ 34.1% |
| Operating cash flow (approximation) | €225,185 | €208,252 | €152,412 | €2,112 | €89,441 | ▲ 4,135% |
| Investment in fixed assets (approximation) | - | -€17,334 | -€18,364 | €127,425 | -€18,400 | ▼ 114% |
| Change in cash | - | €5,721 | €821 | €10,349 | -€3,051 | ▼ 129% |
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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Back to profitnet €60,998
Net result €60,998 after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 2.10
Current ratio from 0.83 to 2.10; short-term debt falls from €94,092 to €40,717.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet -€19,102
Net result drops to -€19,102, the lowest in the series; recovery starts the following year.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Liquidity doublescurrent ratio 1.78
Current ratio from 0.73 to 1.78; short-term debt falls from €217,961 to €109,068.
31-03
Financial
Equity above €500,000Eq €528,787 ▲55.9%
4 profitable years in a row build equity to €528,787.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €210,649 ▲78.8%
Operating result €300,717, net result €210,649, both a record.
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2019
20-12
State Gazette act
Board meeting · Permanent representative
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
18-06
State Gazette act
General meeting · Director resignation
Director reappointment · Permanent representative
2018
19-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
18-10
State Gazette act
General meeting · Permanent representative
Director resignation · Director appointment
18-10
State Gazette act
General meeting · Permanent representative
Director resignation · Director appointment
18-10
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
23-01
State Gazette act
General meeting · Permanent representative
Director resignation · Auditor resignation
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
26-06
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
2016
22-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
22-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
16-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
15-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
14-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
14-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2015
17-07
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Zulte · 1 establishment unit since 2014
Ground area
2,634 m²
Building footprint
449 m²
Volume, LiDAR
961 m³
Parcel 44037A1065/00F000, Flanders · tallest building 7.7 m. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
3RM
since 20142.230.279.725
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44037A1065/00F000 | Flanders | 2,634 m² | 1 · 449 m² | 7.7 m |
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
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
VLAAMS ONAFHANKELIJK ZORGNETWERK
Shared director
→
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 221 EUR awarded · 221 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 221 EUR | 221 EUR |
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,728 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
Founded28-04-2014
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
46471Wholesale trade
95240Repair and maintenance of furniture and upholstery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0551860615
Also
9925:BE0551860615
Registered
24-11-2023
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.