3S GROUP
ActiveThe annual accounts of 3S GROUP for fiscal year 2025 show a net loss of 80% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-9k. Equity is shrinking by ~13.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 11% of 31584 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▲+2
Solvency28▼-39
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.97 against 1.39 in 2024; short-term debt: 96.8% and cash: 10.4% of total assets), and 96.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 · 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.2%
Return on assets
-13.2%
Age of the figures
12 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-9k
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 30-09-2025 was due by 30-04-2026 and was filed on 08-04-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
33 d early
2023
41 d early
2022
17 d early
2021
39 d early
2020
35 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 80.4%
2024 · €11k
2018: €38k
2019: €40k
2020: €29k
2021: €31k
2022: €33k
2023: €33k
2024: €11k
2018 → 2025
Total assets
€67k▲ 157%
2024 · €26k
2018: €62k
2019: €82k
2020: €48k
2021: €44k
2022: €49k
2023: €51k
2024: €26k
2018 → 2025
Net result
€-9k▲ 59.9%
2024 · €-22k
2018: €-2k
2019: €2k
2020: €-10k
2021: €1k
2022: €2k
2023: €505
2024: €-22k
2018 → 2025
Working capital
€-2k
2024 · €6k
2018: €34k
2019: €18k
2020: €12k
2021: €17k
2022: €24k
2023: €26k
2024: €6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€33k▲ 5.5%€33k▲ 1.6%€11k▼ 66.7%€2k▼ 80.4%
Operating result€7k-€1k▼ 77.9%€4k▲ 195%€-20k€-8k▲ 61.1%
Net result€1k-€2k▲ 30.8%€505▼ 70.4%€-22k€-9k▲ 59.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €20k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€4k▼ 24.3%
Current assets
€63k▲ 200%
Equity and liabilities €67k
Equity
€2k▼ 80.4%
Debt
€65k▲ 329%
The debt ratio rises from 57.9% to 96.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▲
2024 · €-19k
Cash flow
€-8k▲
2024 · €-21k
Solvency
3.2%▼
2024 · 42.1%
Current ratio
0.97▼
2024 · 1.39
Quick ratio
0.97▼
2024 · 1.39
Debt / equity
30.09▲
2024 · 1.38
ROE
-409.5%▼
2024 · -200.5%
ROA
-13.2%▲
2024 · -84.4%
Interest coverage
-9.83▲
2024 · -13.39
Debt
€65k▲
2024 · €15k
Debt ≤ 1 year
€65k▲
2024 · €15k
Income taxes
€143▼
2024 · €169
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€26k€67k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Furniture and vehicles24€614-
Other tangible fixed assets26€4k€4k▼
Current assets29/58€21k€63k▲
Amounts receivable within one year40/41€5k€43k▲
Trade receivables40€5k€43k▲
Cash at bank and in hand54/58€15k€7k▼
Deferred charges and accrued income490/1€1k€14k▲
Equity and liabilities
Total equity and liabilities10/49€26k€67k▲
Equity10/15€11k€2k▼
Contributions10/11€6k€6k=
Reserves13€27k€5k▼
Distributable reserves133€27k€5k▼
Profit (loss) carried forward14€-22k€-10k▲
Amounts payable17/49€15k€65k▲
Amounts payable within one year42/48€15k€65k▲
Trade debts44€2k€45k▲
Suppliers440/4€2k€45k▲
Taxes, remuneration and social security45€223€6k▲
Taxes450/3€223€6k▲
Other amounts payable47/48€13k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€789▼
Other operating charges640/8€461€1k▲
Gross operating margin9900€-18k€-6k▲
Operating profit (loss)9901€-20k€-8k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€1k€729▼
Recurring financial charges65€1k€729▼
Profit (loss) for the period before taxes9903€-22k€-9k▲
Income taxes67/77€169€143▼
Profit (loss) for the period9904€-22k€-9k▲
Profit (loss) for the period to be appropriated9905€-22k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-31k▼
Profit (loss) brought forward from the previous period14P-€-22k
Transfer from equity791/2-€21k
The notes to these accounts (6 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-22k ▼4462%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2005
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.
Colignonplein 311030 SchaarbeekGround area
132 m²
Building footprint
74 m²
Volume, LiDAR
946 m³
Parcel 21910E0174/00Z002, Brussels · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
3S Group
since 20052.209.432.643
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0174/00Z002 | Brussels | 132 m² | 1 · 74 m² | 18.7 m · 5 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.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 8,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2005
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:threesgroup@gmail.com
Phone:0477606132