3T
ActiveSummary
3T has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €265k and a net result of €151k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 13417 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-27
Solvency85▲+46
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.43 against 0.32 in 2024; short-term debt: 15.9% and cash: 0.8% of total assets), and 40% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
60%
Return on assets
34.3%
Age of the figures
12 mo
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
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 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
51 d early
2023
32 d early
2022
109 d early
2021
57 d early
2020
63 d early
2019
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€265k▲ 133%
2024 · €113k
2018: €66k
2019: €67k
2020: €51k
2021: €55k
2022: €56k
2023: €58k
2024: €113k
2018 → 2025
Total assets
€441k▼ 46.1%
2024 · €818k
2018: €773k
2019: €889k
2020: €855k
2021: €831k
2022: €801k
2023: €765k
2024: €818k
2018 → 2025
Net result
€151k▲ 174%
2024 · €55k
2018: €494
2019: €1k
2020: €-17k
2021: €4k
2022: €1k
2023: €2k
2024: €55k
2018 → 2025
Working capital
€30k
2024 · €-224k
2018: €-112k
2019: €-167k
2020: €-166k
2021: €-185k
2022: €-221k
2023: €-266k
2024: €-224k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€56k▲ 2.1%€58k▲ 3.4%€113k▲ 95.3%€265k▲ 133%
Operating result€9k-€23k▲ 155%€25k▲ 8.6%€99k▲ 294%€-82k
Net result€4k-€1k▼ 73.5%€2k▲ 62.5%€55k▲ 2,785%€151k▲ 174%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €82k after €99k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€341k ▼ 52.3%
Current assets
€101k ▼ 4.2%
Equity and liabilities €441k
Equity
€265k ▲ 133%
Provisions
€77k
Debt
€99k ▼ 85.9%
Debt's share of the balance-sheet total falls from 86.1% to 22.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-60k▼
2024 · €123k
Cash flow
€173k▲
2024 · €80k
Current ratio
1.43▲
2024 · 0.32
Debt to equity
0.37▼
2024 · 6.22
ROE
57.2%▲
2024 · 48.8%
ROA
34.3%▲
2024 · 6.8%
Interest coverage
-2.80▼
2024 · 6.77
Debt ≤ 1 year
€70k▼
2024 · €329k
Debt > 1 year
€29k▼
2024 · €370k
Income taxes
€1k▼
2024 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 61 lines
Balance sheet
Code20242025
Assets
Total assets20/58€818k€441k▼
Fixed assets21/28€714k€341k▼
Tangible fixed assets22/27€714k€341k▼
Land and buildings22€710k€338k▼
Plant, machinery and equipment23€85€19▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€105k€101k▼
Amounts receivable within one year40/41€83k€7k▼
Trade receivables40€83k€1k▼
Other amounts receivable41€0€5k▲
Current investments50/53€3€91k▲
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€22k€0▼
Equity and liabilities
Total equity and liabilities10/49€818k€441k▼
Equity10/15€113k€265k▲
Contributions10/11€6k€6k=
Reserves13€107k€270k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132-€232k
Distributable reserves133€107k€38k▼
Profit (loss) carried forward14€0€-11k▼
Provisions and deferred taxes16-€77k
Deferred taxes168-€77k
Amounts payable17/49€705k€99k▼
Amounts payable after more than one year17€370k€29k▼
Financial debts170/4€370k€29k▼
Amounts payable within one year42/48€329k€70k▼
Current portion of amounts payable after more than one year42€74k€3k▼
Financial debts43€7k€0▼
Credit institutions430/8€3k€0▼
Other loans439€4k€0▼
Trade debts44€5k€18k▲
Suppliers440/4€5k€18k▲
Taxes, remuneration and social security45€58k€10k▼
Taxes450/3€58k€3k▼
Remuneration and social security454/9-€7k
Other amounts payable47/48€185k€39k▼
Accrued charges and deferred income492/3€6k€222▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€22k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€45k€-39k▼
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€174k€-95k▼
Operating profit (loss)9901€99k€-82k▼
Financial income75/76B€0€333k▲
Recurring financial income75€0€177▲
Non-recurring financial income76B-€333k
Financial charges65/66B€18k€21k▲
Recurring financial charges65€18k€21k▲
Profit (loss) for the period before taxes9903€81k€230k▲
Transfer to deferred taxes680-€77k
Income taxes67/77€25k€1k▼
Profit (loss) for the period9904€55k€151k▲
Transfer to tax-exempt reserves689-€232k
Profit (loss) for the period to be appropriated9905€55k€-80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€-80k▼
Profit (loss) brought forward from the previous period14P€3k€0▼
Transfer from equity791/2-€69k
Transfer to equity691/2€58k€0▼
To other reserves6921€58k€0▼
The notes to these accounts (19 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €151k ▲174%
Net result €151k, the highest in the series.
30-09
Financial
Liquidity quadruplescurrent ratio 1.43
Current ratio from 0.32 to 1.43; short-term debt falls from €329k to €70k.
30-09
Financial
Equity above €200kEq €265k ▲133%
5 profitable years in a row build equity to €265k.
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100kEq €113k ▲95.3%
4 profitable years in a row build equity to €113k.
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-11
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
Show earlier events
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-05
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.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Koksijde · 1 establishment unit since 2009
Ground area
564 m²
Building footprint
76 m²
Volume, LiDAR
467 m³
Parcel 38343A0550/00C002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3T
since 20092.182.043.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38343A0550/00C002 | Flanders | 564 m² | 1 · 76 m² | 8.8 m · 2 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.
Similar companies · same sector, comparable size
L'Herbe
BE 0447.388.150
Rumst · Eq €264,585
WU KUEN
BE 0882.915.675
Brussel · Eq €265,034
BOMOBO
BE 0761.417.534
Gent · Eq €264,497
Elders bv
BE 0754.971.685
Gent · Eq €264,424
HORACIUS
BE 0443.497.262
Ninove · Eq €265,206
Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 7,947 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2009
Fiscal year end30-09
Activities, NACEBEL 2025
56111Full-service restaurants
56301Cafés and bars
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.