3S IMMO

Active

Private limited companyfounded 20224 yrs activeMaria Malibranstraat 55, 1050 Elsene, BelgiumKBO/BCE: BE 0783.438.019

The computed 12-month bankruptcy probability of 3S IMMO is 8.3% (elevated). The 2024 annual accounts show negative equity (€-155k) and a net result of €-83k. Equity is shrinking by ~111.5% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

15 / 100

Critical

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency0▼-7

Growth32=

Track record94

Bankruptcy probability, 12 months

8.3% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.0 against 0.1 in 2023; short-term debt: 48.6% and cash: 0% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

No NACE activity registered

No NACE activity is registered in the KBO, which is more common among companies that later fail.

KBO · activities

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

-32.4%

Return on assets

-17.4%

Age of the figures

21 mo

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

222324

2022 to 2024 · latest year €-155k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

54 d late

2023

112 d late

2022

105 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-83k▼ 9.5%

2023 · €-76k

2022: €-391 2023: €-76k

2022 → 2024

Working capital

€-231k▼ 144%

2023 · €-94k

2023: €-94k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€5k-€-71k€-155k▼ 117%

Operating result€-373-€-72k▼ 19,182%€-68k▲ 5.4%

Net result€-391-€-76k▼ 19,334%€-83k▼ 9.5%

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €68k in 2024 against €72k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €477k

99.8%

Fixed assets €476k▲ 25.2%

Current assets €1k▼ 90.1%

Key figures and ratios

2024 value · change against 2023

EBITDA

€-47k▼

2023 · €-21k

Cash flow

€-62k▼

2023 · €-25k

Solvency

-32.4%▼

2023 · -18.3%

Current ratio

0.00▼

2023 · 0.10

Quick ratio

0.00▼

2023 · 0.10

Debt / equity

-4.09▲

2023 · -6.47

ROA

-17.4%▲

2023 · -19.4%

Interest coverage

-3.09▲

2023 · -5.08

Debt

€632k▲

2023 · €462k

Debt ≤ 1 year

€232k▲

2023 · €105k

Debt > 1 year

€400k▲

2023 · €357k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€391k€477k▲

Fixed assets21/28€380k€476k▲

Tangible fixed assets22/27€380k€476k▲

Land and buildings22€337k€329k▼

Plant, machinery and equipment23€43k€147k▲

Current assets29/58€11k€1k▼

Cash at bank and in hand54/58€10k€207▼

Deferred charges and accrued income490/1€765€840▲

Equity and liabilities

Total equity and liabilities10/49€391k€477k▲

Equity10/15€-71k€-155k▼

Contributions10/11€5k€5k=

Profit (loss) carried forward14€-76k€-160k▼

Amounts payable17/49€462k€632k▲

Amounts payable after more than one year17€357k€400k▲

Financial debts170/4€357k€400k▲

Amounts payable within one year42/48€105k€232k▲

Current portion of amounts payable after more than one year42-€17k

Trade debts44-€11k

Suppliers440/4-€11k

Other amounts payable47/48€105k€204k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€21k▼

Other operating charges640/8€2k€387▼

Non-recurring operating charges66A€500-

Gross operating margin9900€-19k€-47k▼

Operating profit (loss)9901€-72k€-68k▲

Financial charges65/66B€4k€15k▲

Recurring financial charges65€4k€15k▲

Profit (loss) for the period before taxes9903€-76k€-83k▼

Profit (loss) for the period9904€-76k€-83k▼

Profit (loss) for the period to be appropriated9905€-76k€-83k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-76k€-160k▼

Profit (loss) brought forward from the previous period14P€-391€-76k▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

23-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 54 days late

2024

31-12

Financial Weakest financial yearnet €-83k

Net result drops to €-83k, the lowest in the series.

20-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 112 days late

2023

13-11

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 105 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Elsene · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Maria Malibranstraat 551050 Elsene

Ground area

78 m²

Building footprint

63 m²

Volume, LiDAR

852 m³

Parcel 21443A0113/00P006, Brussels · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

3S IMMO

Maria Malibranstraat 55, 1050 ElseneOther financial services

since 20222.334.887.493

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21443A0113/00P006	Brussels	78 m²	1 · 63 m²	16.7 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.

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded15-03-2022

Fiscal year end31-12

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.