Equity
€218,639 ▲ 53.4%
Equity rose in 2025 from €142,558 to €218,639.
3S
Lifetime
3 annual accounts with figures on one time axispeak €101,324 (2025)
€101,324▲ 6.1%
peak €76,081 (2025)
€76,081▲ 5.8%
peak €218,639 (2025)
€218,639▲ 53.4%
€33,907▲ 26.0%
Board1 name since 2023
1 directorVAN ISTERDAEL Dries
Documentsfilings and deeds
15-07-202616 days before the deadline
2025micro format
Registered office moved from Temse to Sint-Niklaas 06-10Equity from €142,558 to €218,639Debts from €26,909 to €33,907
Key points
from the 2025 annual accountsTurnover
≈ €380,000 estimated
The micro format states no turnover.
Position in the sector
€76,081
Higher net result than 91% of companies in wholesale trade. Sector median €5,616 · 13,806 companies.
Checked score
95
Excellent
Financially stronger than 92% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.4%▲ +0.1 percentage points vs 03-2025
05-2025: 0.5%▲ +0.1 percentage points vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 1.0%▲ +0.5 percentage points vs 07-2025
09-2025: 0.3%▼ -0.7 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 1.9%▲ +1.6 percentage points vs 10-2025
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 1.8%▼ -0.1 percentage points vs 12-2025
02-2026: 1.8%● unchanged vs 01-2026
03-2026: 1.8%● unchanged vs 02-2026
04-2026: 2.0%▲ +0.2 percentage points vs 03-2026
05-2026: 2.2%▲ +0.2 percentage points vs 04-2026
06-2026: 2.2%● unchanged vs 05-2026
07-2026: 2.3%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 1.9%▼ -0.4 percentage points vs 07-2026
09-2026: 1.9%● unchanged vs 08-2026
10-2026: 0.2%▼ -1.7 percentage points vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Founded in 2023
lowers risk
Liquidity: current ratio 7.37, cash €166,197
Equity €218,639 (86.6% of total assets)
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 46, micro). It does better than 90% of them on solvency, 94% on liquidity, 95% on profitability and 88% on growth.
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, 39,278 companies had the same profile as 3S has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of 3S itself is lower: 0.2% within 12 months. It rests on far more data about 3S than the profile alone.
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 39,278 companies, not a prediction for 3S. 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 €20,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.37 (6.2 in 2024), above the usual 1.5. Short-term debt is 13.4% and cash 65.8% of total assets. 13.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 days early
2024
21 days late
2023
51 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 15 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 July (3 of the last 3 accounts filed within 37 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Temse to Sint-Niklaas
New registered office: Slagmolenstraat 32, 9100 Sint-Niklaas · Previous registered office: Schoolstraat 10 F, 9140 Temse · Board meeting of 15-09-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797683557
Registered office moved from Sint-Gillis-Waas to Temse
New registered office: Schoolstraat 10 F, 9140 Temse · Previous registered office: Dries 13 bus B101, 9170 Sint-Gillis-Waas · General meeting of 21-05-2024 · Gazette deed
Incorporation
Founding capital of €2,000, 100 shares · Founder: VAN ISTERDAEL Dries · Appointment: VAN ISTERDAEL Dries (director) · published on 30-01-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 3S Sint-Niklaas | €252,546 | €101,324 | 86.6% | - |
| GRACE PAPER AND BOARD Brussels | €306,397 | €103,128 | 23.4% | - |
| SEDAT AKHATUN Beringen | €283,557 | €108,451 | 17.2% | - |
| Jesman Jodoigne | €249,520 | €102,167 | 83.4% | - |
| Pentanova Antwerp | €287,722 | €101,788 | 94.9% | - |
| DWF ENGINEERING Jabbeke | €325,300 | €94,690 | 75.9% | - |
| DepServices Brunehaut | €271,027 | €146,375 | 96.2% | - |
These companies have the same main activity as 3S: agents specialised in the wholesale of other particular products (NACE 46180). They are comparable in size and age: total assets between €250,000 and €325,000, founded in 2022.
Official details
Source: KBO- Status
- Active since 26-01-2023Normal situation
- Activity
- Agents specialised in the wholesale of other particular productsNACE 46180
- Establishment unit
- 2.340.915.9459100 Sint-Niklaas, since 26-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 21-12-2024
Annual accounts 2025
- €252,546▲ 49.0%
- Filing
- Filed on 15-07-2026, 16 days before the end of the filing period
Insights on 3S
3S files the micro format. That format states no turnover. The gross margin rose from €87,787 in 2023 to €101,324 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about 3S
- What is the company number of 3S?
- The company number of 3S is 0797.683.557. The VAT number is the same number with BE in front: BE 0797.683.557.
- Where is 3S based?
- The registered office is at Slagmolenstraat 32, 9100 Sint-Niklaas.Company details
- What does 3S do?
- According to the KBO register, the main activity is agents specialised in the wholesale of other particular products (NACE 46180).
- What is the legal form of 3S?
- 3S is a private limited company (BV).
- When was 3S founded?
- 3S was founded on 26-01-2023.
- Is 3S still active?
- Yes, 3S is an active enterprise in the KBO register.
- What is the turnover of 3S?
- The turnover in financial year 2025 is ≈ €380,000. This figure is estimated from the gross margin of €101,324 and 31 comparable companies (NACE 461). It probably lies between €180,000 and €930,000.Financials
- Is 3S profitable?
- In financial year 2025, 3S made a profit of €76,081.
- Where can I find the annual accounts of 3S?
- 3S filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 3S due?
- 3S must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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