Summary
3S 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 €1.7m and a net result of €369,170. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 8091 sector peers (fiscal year 2025). The company has been active since 2011 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 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
18 d early
2024
26 d late
2023
23 d late
2022
22 d late
2021
11 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 8 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 22 August (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€1.7m▲ 28.8%
2024 · €1.3m
Net result
€369,170▲ 47.3%
2024 · €250,608
Total assets
€3.3m▲ 2.2%
2024 · €3.2m
Solvency
50.7%▲ 10.5pp
2024 · 40.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€202,473-€290,759▲ 43.6%€263,153▼ 9.5%€425,214▲ 61.6%€591,431▲ 39.1%
Net result€154,630within the sector's middle half-€252,505above the sector's middle half▲ 63.3%€128,421within the sector's middle half▼ 49.1%€250,608above the sector's middle half▲ 95.1%€369,170above the sector's middle half▲ 47.3%
Equity€656,695within the sector's middle half-€913,807within the sector's middle half▲ 39.2%€1.0mwithin the sector's middle half▲ 14.1%€1.3mwithin the sector's middle half▲ 23.2%€1.7mabove the sector's middle half▲ 28.8%
Total assets€3.1mwithin the sector's middle half-€3.3mwithin the sector's middle half▲ 8.0%€3.3mwithin the sector's middle half▼ 0.9%€3.2mwithin the sector's middle half▼ 3.8%€3.3mabove the sector's middle half▲ 2.2%
Debt€2.4m-€2.4m▼ 0.3%€2.3m▼ 6.6%€1.9m▼ 16.2%€1.6m▼ 15.8%
Working capital-€306,880below the sector's middle half--€445,232below the sector's middle half▼ 45.1%-€419,074below the sector's middle half▲ 5.9%-€294,742below the sector's middle half▲ 29.7%-€19,256within the sector's middle half▲ 93.5%
Solvency21.2%below the sector's middle half-27.3%within the sector's middle half▲ 6.1pp31.5%within the sector's middle half▲ 4.1pp40.3%within the sector's middle half▲ 8.8pp50.7%within the sector's middle half▲ 10.5pp
Current ratio0.23below the sector's middle half-0.08below the sector's middle half▼ 0.160.19below the sector's middle half▲ 0.110.19below the sector's middle half=0.95within the sector's middle half▲ 0.75
Return on assets (ROA)5.0%within the sector's middle half-7.5%within the sector's middle half▲ 2.6pp3.9%within the sector's middle half▼ 3.7pp7.9%within the sector's middle half▲ 4.0pp11.3%within the sector's middle half▲ 3.5pp
Staff (FTE)0below the sector's middle half0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.3m
Fixed assets
€2.9m ▼ 6.4%
Current assets
€340,355 ▲ 384%
Equity and liabilities €3.3m
Equity
€1.7m ▲ 28.8%
Provisions
€14,994 ▼ 6.0%
Debt
€1.6m ▼ 15.8%
Debt's share of the balance-sheet total falls from 59.2% to 48.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
22.3%▲
2024 · 19.5%
Debt ≤ 1 year
€359,612▼
2024 · €365,124
Debt > 1 year
€1.2m▼
2024 · €1.5m
Income taxes
€176,103▲
2024 · €120,559
Staff costs
€0▼
2024 · €298
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €21,541 | €0 | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €298 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,562 | €83,411 | €111,276 | €108,322 | €100,223 | ▼ 7.5% |
| Other operating charges640/8 | €23,877 | €14,334 | €23,382 | €21,958 | €22,967 | ▲ 4.6% |
| Non-recurring operating charges66A | €20,000 | €0 | - | €2,455 | €0 | ▼ 100% |
| Gross operating margin9900 | €287,912 | €388,504 | €397,811 | €558,247 | €714,620 | ▲ 28.0% |
| Operating profit (loss)9901 | €202,473 | €290,759 | €263,153 | €425,214 | €591,431 | ▲ 39.1% |
| Financial income75/76B | €6 | €81,902 | €0 | €120 | €1 | ▼ 99.3% |
| Recurring financial income75 | €6 | €81,902 | €0 | €120 | €1 | ▼ 99.3% |
| Financial charges65/66B | €18,058 | €30,396 | €42,393 | €55,120 | €47,111 | ▼ 14.5% |
| Recurring financial charges65 | €18,058 | €30,396 | €42,393 | €55,120 | €47,111 | ▼ 14.5% |
| Profit (loss) for the period before taxes9903 | €184,421 | €342,265 | €220,760 | €370,214 | €544,321 | ▲ 47.0% |
| Transfer from deferred taxes780 | €247 | €953 | €953 | €953 | €953 | = |
| Transfer to deferred taxes680 | €19,051 | €0 | - | - | - | - |
| Income taxes67/77 | €10,987 | €90,712 | €93,292 | €120,559 | €176,103 | ▲ 46.1% |
| Profit (loss) for the period9904 | €154,630 | €252,505 | €128,421 | €250,608 | €369,170 | ▲ 47.3% |
| Transfer from tax-exempt reserves789 | €741 | €7,465 | €2,858 | €2,858 | €2,858 | = |
| Transfer to tax-exempt reserves689 | €57,152 | €4,607 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €98,219 | €255,363 | €131,278 | €253,465 | €372,028 | ▲ 46.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.1m | €3.3m | €3.3m | €3.2m | €3.3m | ▲ 2.2% |
| Fixed assets21/28 | €3.0m | €3.3m | €3.2m | €3.1m | €2.9m | ▼ 6.4% |
| Intangible fixed assets21 | €338,531 | €338,531 | €338,531 | €338,531 | €338,531 | = |
| Tangible fixed assets22/27 | €1.4m | €1.8m | €1.7m | €1.6m | €1.4m | ▼ 12.1% |
| Land and buildings22 | €1.4m | €1.7m | €1.7m | €1.6m | €1.4m | ▼ 13.7% |
| Plant, machinery and equipment23 | €983 | €787 | €762 | €0 | - | - |
| Furniture and vehicles24 | €11,450 | €84,846 | €65,888 | €48,720 | €68,255 | ▲ 40.1% |
| Financial fixed assets28 | €1.3m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Current assets29/58 | €93,149 | €37,444 | €96,998 | €70,382 | €340,355 | ▲ 384% |
| Amounts receivable within one year40/41 | €10,763 | €24,444 | €25,087 | €31,629 | €284,639 | ▲ 800% |
| Trade receivables40 | €5,601 | €20,422 | €25,078 | €31,620 | €34,606 | ▲ 9.4% |
| Other amounts receivable41 | €5,162 | €4,023 | €9 | €9 | €250,033 | ▲ 2,634,597% |
| Current investments50/53 | - | €13,000 | €25,000 | €37,000 | €49,000 | ▲ 32.4% |
| Cash at bank and in hand54/58 | €80,799 | €0 | €46,910 | €0 | - | - |
| Deferred charges and accrued income490/1 | €1,587 | €0 | - | €1,753 | €6,717 | ▲ 283% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.1m | €3.3m | €3.3m | €3.2m | €3.3m | ▲ 2.2% |
| Equity10/15 | €656,695 | €913,807 | €1.0m | €1.3m | €1.7m | ▲ 28.8% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €654,695 | €911,807 | €1.0m | €1.3m | €1.7m | ▲ 28.8% |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Tax-exempt reserves132 | €56,411 | €58,161 | €55,303 | €52,445 | €49,588 | ▼ 5.4% |
| Distributable reserves133 | €598,284 | €853,647 | €984,925 | €1.2m | €1.6m | ▲ 30.3% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Provisions and deferred taxes16 | €18,804 | €17,851 | €16,899 | €15,946 | €14,994 | ▼ 6.0% |
| Deferred taxes168 | €18,804 | €17,851 | €16,899 | €15,946 | €14,994 | ▼ 6.0% |
| Amounts payable17/49 | €2.4m | €2.4m | €2.3m | €1.9m | €1.6m | ▼ 15.8% |
| Amounts payable after more than one year17 | €2.0m | €1.9m | €1.7m | €1.5m | €1.2m | ▼ 19.0% |
| Financial debts170/4 | €2.0m | €1.9m | €1.7m | €1.5m | €1.2m | ▼ 19.0% |
| Amounts payable within one year42/48 | €400,030 | €482,676 | €516,072 | €365,124 | €359,612 | ▼ 1.5% |
| Current portion of amounts payable after more than one year42 | €130,747 | €185,764 | €214,582 | €219,462 | €222,795 | ▲ 1.5% |
| Financial debts43 | €15,403 | €2,497 | €0 | €7,508 | €21,703 | ▲ 189% |
| Credit institutions430/8 | €0 | €2,497 | €0 | €7,508 | €21,703 | ▲ 189% |
| Other loans439 | €15,403 | €0 | - | - | - | - |
| Trade debts44 | €62,621 | €63,750 | €9,955 | €7,092 | €5,793 | ▼ 18.3% |
| Suppliers440/4 | €62,621 | €63,750 | €9,955 | €7,092 | €5,793 | ▼ 18.3% |
| Advances received on contracts in progress46 | €20,000 | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €23,606 | €44,021 | €68,889 | €37,838 | €63,333 | ▲ 67.4% |
| Taxes450/3 | €23,606 | €41,557 | €68,889 | €37,838 | €63,333 | ▲ 67.4% |
| Remuneration and social security454/9 | - | €2,463 | €0 | - | - | - |
| Other amounts payable47/48 | €147,653 | €186,645 | €222,645 | €93,225 | €45,988 | ▼ 50.7% |
| Accrued charges and deferred income492/3 | €290 | €5,919 | €8,079 | €9,610 | €4,599 | ▼ 52.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €154,630 | €252,505 | €128,421 | €250,608 | €369,170 | ▲ 47.3% |
| + Depreciation and write-downs630 | €41,562 | €83,411 | €111,276 | €108,322 | €100,223 | ▼ 7.5% |
| Operating cash flow (approximation) | €196,192 | €335,916 | €239,697 | €358,930 | €469,393 | ▲ 30.8% |
| Investment in fixed assets (approximation) | - | -€386,905 | -€20,295 | -€9,594 | €99,069 | ▲ 1,133% |
| Change in cash | - | -€80,799 | €46,910 | -€46,910 | - | - |
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
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €369,170 ▲47.3%
Operating result €591,431, net result €369,170, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €128,421 ▼49.1%
Net result drops to €128,421, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €1mEq €1.0m ▲14.1%
3 profitable years in a row build equity to €1.0m.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Kortrijk · 1 establishment unit since 2012
Ground area
863 m²
Building footprint
193 m²
Volume, LiDAR
950 m³
Parcel 34026A0591/00E000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3S
since 20122.205.524.335
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0591/00E000 | Flanders | 863 m² | 1 · 193 m² | 7.6 m · 2 fl. |
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
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the 2025 annual accounts of 3S and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,800 EUR awarded · 1,800 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,800 EUR | 1,800 EUR |
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 11,489 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
Founded12-12-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
46180Agents specialised in the wholesale of other particular products
82990Other business support services
90399Other support activities for arts and performing arts
E-invoicing
Reachable via Peppol
Peppol ID
0208:0842486174
Also
9925:BE0842486174
Registered
31-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.