3T
ActiveSummary
3T has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8.6m and a net result of -€580,704. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 72% of 8115 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability31▼-47
Solvency91▼-9
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550,000 at 30 days acceptable
Liquidity short (current ratio 0.76 against 5.53 in 2024; short-term debt: 29.3% and cash: 1.5% of total assets), and 33.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.5%
Return on assets
-4.5%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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
3 d late
2024
11 d late
2023
40 d late
2022
8 d late
2021
14 d late
2020
2 d early
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 company by equity in Kruisem, Wholesale and retail trade sector#9 company by total assets in Kruisem, Wholesale and retail trade sector
Equity
€8.6m▼ 6.3%
2024 · €9.2m
Total assets
€13.0m▲ 19.9%
2024 · €10.8m
Net result
-€580,704
2024 · €766,661
Working capital
-€920,832
2024 · €4.6m
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€10,082-€78,622-€30,700▲ 61.0%€1.0m-€731,142
Net result€19,742-€81,114-€39,173▲ 51.7%€766,661-€580,704
Equity€8.6m▲ 0.2%€8.5m▼ 0.9%€8.5m▼ 0.5%€9.2m▲ 9.1%€8.6m▼ 6.3%
Total assets€11.6m▲ 6.0%€10.3m▼ 11.2%€10.5m▲ 1.5%€10.8m▲ 3.7%€13.0m▲ 19.9%
Debt€2.6m▲ 32.8%€1.4m▼ 45.3%€1.7m▲ 14.5%€1.3m▼ 20.6%€4.1m▲ 209%
Working capital€2.4m▼ 19.9%€2.4m▲ 2.7%€2.4m▼ 0.7%€4.6m▲ 90.9%-€920,832
Staff (FTE)000
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €731,142 after €1.0m in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.0m
Fixed assets
€10.1m ▲ 92.6%
Current assets
€2.9m ▼ 48.4%
Equity and liabilities €13.0m
Equity
€8.6m ▼ 6.3%
Provisions
€291,996 ▼ 3.7%
Debt
€4.1m ▲ 209%
Debt's share of the balance-sheet total rises from 12.1% to 31.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€136,596▼
2024 · €1.2m
Cash flow
€287,033▼
2024 · €918,683
Current ratio
0.76▼
2024 · 5.53
Debt to equity
0.47▲
2024 · 0.14
ROE
-6.7%▼
2024 · 8.3%
ROA
-4.5%▼
2024 · 7.1%
Interest coverage
2.16▼
2024 · 18.42
Debt ≤ 1 year
€3.8m▲
2024 · €1.0m
Debt > 1 year
€252,193▼
2024 · €302,193
Income taxes
€2,296▼
2024 · €294,484
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 815 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 96% are still going.
- Medium-sized
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
2.8%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | - | €1.1m | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €400,407 | €212,515 | €193,174 | €152,022 | €867,738 | ▲ 471% |
| Other operating charges640/8 | - | €30,299 | €13,563 | €33,905 | €19,878 | ▼ 41.4% |
| Gross operating margin9900 | €417,725 | €164,192 | €176,037 | €1.2m | €156,474 | ▼ 87.0% |
| Operating profit (loss)9901 | €10,082 | -€78,622 | -€30,700 | €1.0m | -€731,142 | ▼ 172% |
| Financial income75/76B | - | €42,332 | €28,860 | €62,173 | €205,040 | ▲ 230% |
| Recurring financial income75 | €35,444 | €42,332 | €28,860 | €62,173 | €205,040 | ▲ 230% |
| Financial charges65/66B | - | €26,383 | €50,082 | €63,629 | €63,374 | ▼ 0.4% |
| Recurring financial charges65 | €38,585 | €26,383 | €50,082 | €63,629 | €63,374 | ▼ 0.4% |
| Profit (loss) for the period before taxes9903 | €6,940 | -€62,674 | -€51,923 | €1.0m | -€589,476 | ▼ 158% |
| Transfer from deferred taxes780 | - | €13,489 | €13,489 | €42,355 | €11,067 | ▼ 73.9% |
| Income taxes67/77 | €690 | €31,930 | €739 | €294,484 | €2,296 | ▼ 99.2% |
| Profit (loss) for the period9904 | €19,742 | -€81,114 | -€39,173 | €766,661 | -€580,704 | ▼ 176% |
| Transfer from tax-exempt reserves789 | - | €26,196 | €26,196 | €82,255 | €21,492 | ▼ 73.9% |
| Profit (loss) for the period to be appropriated9905 | €45,942 | -€54,918 | -€12,977 | €848,916 | -€559,212 | ▼ 166% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €11.6m | €10.3m | €10.5m | €10.8m | €13.0m | ▲ 19.9% |
| Fixed assets21/28 | €7.1m | €6.8m | €6.8m | €5.2m | €10.1m | ▲ 92.6% |
| Tangible fixed assets22/27 | €5.4m | €5.2m | €5.1m | €3.6m | €9.2m | ▲ 154% |
| Land and buildings22 | - | €5.2m | €5.0m | €3.5m | €9.2m | ▲ 159% |
| Furniture and vehicles24 | - | €448 | €107,193 | €87,609 | €65,857 | ▼ 24.8% |
| Financial fixed assets28 | €1.6m | €1.6m | €1.6m | €1.6m | €860,125 | ▼ 46.6% |
| Current assets29/58 | €4.5m | €3.5m | €3.7m | €5.6m | €2.9m | ▼ 48.4% |
| Amounts receivable after more than one year29 | - | - | - | €600,000 | €250,000 | ▼ 58.3% |
| Other amounts receivable291 | - | - | - | €600,000 | €250,000 | ▼ 58.3% |
| Amounts receivable within one year40/41 | €2.3m | €2.3m | €2.4m | €2.3m | €1.6m | ▼ 29.5% |
| Trade receivables40 | - | €34,351 | €147,997 | €35,600 | €43,548 | ▲ 22.3% |
| Other amounts receivable41 | - | €2.2m | €2.2m | €2.2m | €1.5m | ▼ 30.3% |
| Current investments50/53 | €1.6m | €525,146 | €1.3m | €2.7m | €847,764 | ▼ 68.4% |
| Cash at bank and in hand54/58 | €674,928 | €657,630 | €64,388 | €37,529 | €190,636 | ▲ 408% |
| Deferred charges and accrued income490/1 | - | €15,545 | €13,588 | €13,958 | €7,377 | ▼ 47.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €11.6m | €10.3m | €10.5m | €10.8m | €13.0m | ▲ 19.9% |
| Equity10/15 | €8.6m | €8.5m | €8.5m | €9.2m | €8.6m | ▼ 6.3% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €411,435 | €385,239 | €359,042 | €1.1m | €1.1m | ▼ 1.9% |
| Non-distributable reserves130/1 | - | €25,000 | €25,000 | €0 | - | - |
| Reserves not available under the articles1311 | - | €25,000 | €25,000 | €0 | - | - |
| Tax-exempt reserves132 | - | €360,239 | €334,042 | €251,787 | €230,295 | ▼ 8.5% |
| Distributable reserves133 | - | - | - | €873,916 | €873,916 | = |
| Profit (loss) carried forward14 | €8.1m | €8.1m | €8.1m | €8.1m | €7.5m | ▼ 6.9% |
| Provisions and deferred taxes16 | €372,396 | €358,907 | €345,417 | €303,062 | €291,996 | ▼ 3.7% |
| Provisions for liabilities and charges160/5 | - | €177,573 | €177,573 | €177,573 | €177,573 | = |
| Pensions and similar obligations160 | - | €177,573 | €177,573 | €177,573 | €177,573 | = |
| Deferred taxes168 | - | €181,334 | €167,845 | €125,490 | €114,423 | ▼ 8.8% |
| Amounts payable17/49 | €2.6m | €1.4m | €1.7m | €1.3m | €4.1m | ▲ 209% |
| Amounts payable after more than one year17 | €452,193 | €402,193 | €352,193 | €302,193 | €252,193 | ▼ 16.5% |
| Financial debts170/4 | - | €400,000 | €350,000 | €300,000 | €250,000 | ▼ 16.7% |
| Other amounts payable178/9 | - | €2,193 | €2,193 | €2,193 | €2,193 | = |
| Amounts payable within one year42/48 | €2.2m | €1.0m | €1.3m | €1.0m | €3.8m | ▲ 277% |
| Current portion of amounts payable after more than one year42 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Financial debts43 | - | €14,005 | €32,148 | €39,771 | €3.0m | ▲ 7,406% |
| Credit institutions430/8 | - | €14,005 | €32,148 | €39,771 | €3.0m | ▲ 7,406% |
| Trade debts44 | €47,902 | €8,216 | €166,014 | €8,274 | €32,632 | ▲ 294% |
| Suppliers440/4 | - | €8,216 | €166,014 | €8,274 | €32,632 | ▲ 294% |
| Advances received on contracts in progress46 | - | - | €69,792 | €0 | - | - |
| Taxes, remuneration and social security45 | - | €6,827 | €15,657 | €207,101 | €25,930 | ▼ 87.5% |
| Taxes450/3 | - | €6,827 | €15,657 | €207,101 | €25,930 | ▼ 87.5% |
| Other amounts payable47/48 | - | €962,513 | €968,207 | €705,596 | €713,041 | ▲ 1.1% |
| Accrued charges and deferred income492/3 | - | €2,964 | €3,181 | €3,181 | €3,181 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,742 | -€81,114 | -€39,173 | €766,661 | -€580,704 | ▼ 176% |
| + Depreciation and write-downs630 | €400,407 | €212,515 | €193,174 | €152,022 | €867,738 | ▲ 471% |
| Operating cash flow (approximation) | €420,149 | €131,401 | €154,001 | €918,683 | €287,033 | ▼ 68.8% |
| Investment in fixed assets (approximation) | - | -€2,621 | -€107,171 | €1.4m | -€5.7m | ▼ 523% |
| Change in cash | - | -€17,297 | -€593,242 | -€26,860 | €153,107 | ▲ 670% |
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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
30-06
Financial
Weakest financial yearnet -€580,704
Net result drops to -€580,704, the lowest in the series.
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 11 days late
2024
30-06
Financial
Back to profitnet €766,661
Net result €766,661 after 2 loss-making years.
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 40 days late
2023
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
14-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 14 days late
2021
30-06
Financial
Back to profitnet €19,742
Net result €19,742 after 2 loss-making years.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 33 days late
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 13 days late
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, Kruisem · 1 establishment unit since 1997
Ground area
3,513 m²
Building footprint
368 m²
Volume, LiDAR
1,850 m³
Parcel 45017B1090/00D000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zevekotstraat(KRU) 4, 9770 Kruisem
since 19972.084.608.390
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017B1090/00D000 | Flanders | 3,513 m² | 1 · 368 m² | 7.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500CD0D48508B9913
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Of 1,638 companies in sector 46170 we hold annual accounts for 669. 88 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
Founded19-11-1997
Fiscal year end30-06
Activities, NACEBEL 2025
46170Agents in the wholesale of food, beverages and tobacco
E-invoicing
Reachable via Peppol
Peppol ID
0208:0461926074
Also
9925:BE0461926074
Registered
27-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.