Summary
3SEN 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 €697k and a net result of €32k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 8048 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
9 d early
2023
133 d early
2022
22 d late
2021
22 d late
2020
30 d late
2019
53 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€697k▲ 4.5%
2024 · €667k
Net result
€32k▼ 59.0%
2024 · €78k
Total assets
€703k▲ 1.7%
2024 · €691k
Solvency
99.2%▲ 2.7pp
2024 · 96.5%
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€78k▲ 193%€82k▲ 4.9%€100k▲ 22.3%€102k▲ 1.3%€35k▼ 65.7%
Net result€52k▲ 185%€54k▲ 5.0%€69k▲ 26.5%€78k▲ 13.5%€32k▼ 59.0%
Equity€471k▲ 11.5%€523k▲ 11.2%€591k▲ 12.8%€667k▲ 12.9%€697k▲ 4.5%
Total assets€485k▲ 10.8%€542k▲ 11.9%€609k▲ 12.4%€691k▲ 13.4%€703k▲ 1.7%
Debt€14k▼ 7.8%€19k▲ 34.6%€19k▼ 0.8%€24k▲ 28.0%€5k▼ 77.2%
Working capital€471k▲ 12.6%€520k▲ 10.6%€587k▲ 12.9%€662k▲ 12.6%€693k▲ 4.7%
Solvency97.1%▲ 0.6pp96.5%▼ 0.6pp96.9%▲ 0.4pp96.5%▼ 0.4pp99.2%▲ 2.7pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €703k
Fixed assets
€4k ▼ 18.1%
Current assets
€698k ▲ 1.9%
Equity and liabilities €703k
Equity
€697k ▲ 4.5%
Debt
€5k ▼ 77.2%
Debt's share of the balance-sheet total falls from 3.5% to 0.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.6%▼
2024 · 11.7%
ROA
4.6%▼
2024 · 11.3%
Debt ≤ 1 year
€5k▼
2024 · €24k
Income taxes
€17k▼
2024 · €38k
A ratio outside any meaningful range has been withheld (balance sheet total €703k, equity €697k).
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 | €4k | €155 | €741 | €1k | €2k | ▲ 42.3% |
| Other operating charges640/8 | €886 | €900 | €1k | €920 | €941 | ▲ 2.3% |
| Gross operating margin9900 | €83k | €83k | €102k | €104k | €38k | ▼ 63.6% |
| Operating profit (loss)9901 | €78k | €82k | €100k | €102k | €35k | ▼ 65.7% |
| Financial income75/76B | €0 | €0 | €2k | €14k | €15k | ▲ 1.8% |
| Recurring financial income75 | €0 | €0 | €2k | €14k | €15k | ▲ 1.8% |
| Financial charges65/66B | €152 | €203 | €182 | €324 | €226 | ▼ 30.1% |
| Recurring financial charges65 | €152 | €203 | €182 | €324 | €226 | ▼ 30.1% |
| Profit (loss) for the period before taxes9903 | €78k | €82k | €103k | €116k | €49k | ▼ 57.3% |
| Income taxes67/77 | €26k | €27k | €34k | €38k | €17k | ▼ 53.8% |
| Profit (loss) for the period9904 | €52k | €54k | €69k | €78k | €32k | ▼ 59.0% |
| Profit (loss) for the period to be appropriated9905 | €52k | €54k | €69k | €78k | €32k | ▼ 59.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €485k | €542k | €609k | €691k | €703k | ▲ 1.7% |
| Fixed assets21/28 | - | €3k | €3k | €5k | €4k | ▼ 18.1% |
| Tangible fixed assets22/27 | - | €3k | €3k | €5k | €4k | ▼ 18.1% |
| Plant, machinery and equipment23 | - | - | - | €2k | €2k | ▲ 5.9% |
| Furniture and vehicles24 | - | €3k | €3k | €4k | €2k | ▼ 31.0% |
| Current assets29/58 | €485k | €539k | €606k | €686k | €698k | ▲ 1.9% |
| Amounts receivable after more than one year29 | €18k | - | - | - | - | - |
| Other amounts receivable291 | €18k | - | - | - | - | - |
| Amounts receivable within one year40/41 | €5k | €25k | €2k | €25k | €7k | ▼ 70.5% |
| Trade receivables40 | - | €25k | €2k | €25k | - | - |
| Other amounts receivable41 | €5k | - | - | - | €7k | - |
| Current investments50/53 | - | - | €400k | €550k | €330k | ▼ 40.1% |
| Cash at bank and in hand54/58 | €460k | €513k | €203k | €109k | €360k | ▲ 230% |
| Deferred charges and accrued income490/1 | €2k | €2k | €1k | €2k | €2k | ▲ 12.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €485k | €542k | €609k | €691k | €703k | ▲ 1.7% |
| Equity10/15 | €471k | €523k | €591k | €667k | €697k | ▲ 4.5% |
| Contributions10/11 | €60k | €60k | €60k | €60k | €60k | = |
| Reserves13 | €411k | €463k | €531k | €607k | €637k | ▲ 5.0% |
| Non-distributable reserves130/1 | €6k | €6k | - | - | - | - |
| Reserves not available under the articles1311 | €6k | €6k | - | - | - | - |
| Distributable reserves133 | €405k | €457k | €531k | €607k | €637k | ▲ 5.0% |
| Amounts payable17/49 | €14k | €19k | €19k | €24k | €5k | ▼ 77.2% |
| Amounts payable within one year42/48 | €14k | €19k | €19k | €24k | €5k | ▼ 77.2% |
| Trade debts44 | €592 | €369 | €1k | €191 | €1k | ▲ 627% |
| Suppliers440/4 | €592 | €369 | €1k | €191 | €1k | ▲ 627% |
| Advances received on contracts in progress46 | - | - | €1k | - | - | - |
| Taxes, remuneration and social security45 | €10k | €15k | €12k | €20k | €614 | ▼ 97.0% |
| Taxes450/3 | €10k | €14k | €12k | €20k | €614 | ▼ 97.0% |
| Remuneration and social security454/9 | - | €1k | - | - | - | - |
| Other amounts payable47/48 | €3k | €4k | €4k | €3k | €3k | ▲ 0.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €52k | €54k | €69k | €78k | €32k | ▼ 59.0% |
| + Depreciation and write-downs630 | €4k | €155 | €741 | €1k | €2k | ▲ 42.3% |
| Operating cash flow (approximation) | €56k | €55k | €70k | €80k | €34k | ▼ 57.2% |
| Investment in fixed assets (approximation) | - | - | €-997 | €-4k | €-1k | ▲ 72.2% |
| Change in cash | - | €52k | €-310k | €-94k | €251k | ▲ 367% |
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 127.59
Current ratio from 28.56 to 127.59; short-term debt falls from €24k to €5k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Equity above €500kEq €523k ▲11.2%
5 profitable years in a row build equity to €523k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
31-12
Financial
Highest result since 2018net €172k ▲1,969%
Operating result €260k, net result €172k, both a record.
31-12
Financial
Liquidity times 7current ratio 25.22
Current ratio from 3.69 to 25.22; short-term debt falls from €33k to €16k.
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Antwerpen · 1 establishment unit since 2009
Ground area
322 m²
Building footprint
102 m²
Volume, LiDAR
727 m³
Parcel 11363E0141/00Z000, Flanders · tallest building 8.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
3Sen
since 20092.179.904.952
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11363E0141/00Z000 | Flanders | 322 m² | 1 · 102 m² | 8.5 m · 3 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Similar companies · same sector, comparable size
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,766. 13,323 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
Founded17-07-2009
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
Scores and ratios are computed by Checked and are not a credit decision.