3T SERVICES
ActiveSummary
3T SERVICES has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €250,970 and a net result of €3,976. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 2604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-9
Solvency89▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 3.01 against 2.32 in 2024; short-term debt: 11.5% and cash: 14.8% of total assets), and 35.7% 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○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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer 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
64.3%
Return on assets
1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
6 d early
2023
237 d late
2022
29 d late
2021
11 d early
2020
16 d early
2019
7 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 31 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 25 July (4 of the last 5 filed years within 35 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€115,014
EBIT margin
11.2%
Net result
€3,976▼ 90.7%
2024 · €42,862
Working capital
€90,310▼ 1.5%
2024 · €91,657
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€115,014
Operating result€45,681▲ 18.2%€44,454▼ 2.7%€35,923▼ 19.2%€68,435▲ 90.5%€12,857▼ 81.2%
Net result€23,362above the sector's middle half▼ 13.2%€25,860above the sector's middle half▲ 10.7%€20,363within the sector's middle half▼ 21.3%€42,862above the sector's middle half▲ 110%€3,976within the sector's middle half▼ 90.7%
EBIT margin11.2%
Equity€157,909above the sector's middle half▲ 17.4%€183,769above the sector's middle half▲ 16.4%€204,132above the sector's middle half▲ 11.1%€246,994above the sector's middle half▲ 21.0%€250,970above the sector's middle half▲ 1.6%
Total assets€383,790above the sector's middle half▲ 0.9%€368,111above the sector's middle half▼ 4.1%€391,760above the sector's middle half▲ 6.4%€426,757above the sector's middle half▲ 8.9%€390,215above the sector's middle half▼ 8.6%
Debt€225,881▼ 8.1%€184,342▼ 18.4%€187,628▲ 1.8%€179,763▼ 4.2%€139,245▼ 22.5%
Working capital€14,724within the sector's middle half€40,900within the sector's middle half▲ 178%€59,263within the sector's middle half▲ 44.9%€91,657above the sector's middle half▲ 54.7%€90,310above the sector's middle half▼ 1.5%
Solvency41.1%within the sector's middle half▲ 5.8pp49.9%within the sector's middle half▲ 8.8pp52.1%within the sector's middle half▲ 2.2pp57.9%within the sector's middle half▲ 5.8pp64.3%within the sector's middle half▲ 6.4pp
Current ratio1.19within the sector's middle half▲ 0.351.85within the sector's middle half▲ 0.661.91within the sector's middle half▲ 0.062.32within the sector's middle half▲ 0.413.01above the sector's middle half▲ 0.69
Return on assets (ROA)6.1%within the sector's middle half▼ 1.0pp7.0%within the sector's middle half▲ 0.9pp5.2%within the sector's middle half▼ 1.8pp10.0%within the sector's middle half▲ 4.8pp1.0%within the sector's middle half▼ 9.0pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
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 81% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €390,215
Fixed assets
€254,977 ▼ 4.1%
Current assets
€135,238 ▼ 16.0%
Equity and liabilities €390,215
Equity
€250,970 ▲ 1.6%
Debt
€139,245 ▼ 22.5%
Debt's share of the balance-sheet total falls from 42.1% to 35.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28,831▼
2024 · €82,133
Cash flow
€19,950▼
2024 · €56,560
Debt to equity
0.55▼
2024 · 0.73
ROE
1.6%▼
2024 · 17.4%
Interest coverage
4.59▼
2024 · 11.17
Debt ≤ 1 year
€44,929▼
2024 · €69,299
Debt > 1 year
€92,984▼
2024 · €107,427
Income taxes
€2,606▼
2024 · €18,218
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,039 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 17,039 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 |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €115,014 | - |
| Non-recurring operating income76A | - | - | - | - | €0 | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €95,601 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,427 | €12,951 | €12,809 | €13,698 | €15,974 | ▲ 16.6% |
| Other operating charges640/8 | €1,870 | €1,895 | €2,160 | €2,315 | €3,309 | ▲ 42.9% |
| Gross operating margin9900 | €67,979 | €59,300 | €50,892 | €84,448 | €32,140 | ▼ 61.9% |
| Operating profit (loss)9901 | €45,681 | €44,454 | €35,923 | €68,435 | €12,857 | ▼ 81.2% |
| Financial income75/76B | €139 | €0 | €118 | €0 | €9 | - |
| Recurring financial income75 | €139 | €0 | €118 | €0 | €9 | - |
| Financial charges65/66B | €9,036 | €8,111 | €6,926 | €7,355 | €6,284 | ▼ 14.6% |
| Recurring financial charges65 | €9,036 | €8,111 | €6,926 | €7,355 | €6,284 | ▼ 14.6% |
| Profit (loss) for the period before taxes9903 | €36,784 | €36,344 | €29,115 | €61,080 | €6,582 | ▼ 89.2% |
| Income taxes67/77 | €13,423 | €10,484 | €8,752 | €18,218 | €2,606 | ▼ 85.7% |
| Profit (loss) for the period9904 | €23,362 | €25,860 | €20,363 | €42,862 | €3,976 | ▼ 90.7% |
| Transfer from tax-exempt reserves789 | €13,026 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €36,388 | €25,860 | €20,363 | €42,862 | €3,976 | ▼ 90.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €383,790 | €368,111 | €391,760 | €426,757 | €390,215 | ▼ 8.6% |
| Fixed assets21/28 | €293,353 | €279,292 | €267,513 | €265,801 | €254,977 | ▼ 4.1% |
| Tangible fixed assets22/27 | €291,230 | €278,279 | €266,500 | €264,788 | €253,714 | ▼ 4.2% |
| Land and buildings22 | €290,010 | €277,592 | €265,173 | €258,804 | €245,759 | ▼ 5.0% |
| Plant, machinery and equipment23 | €1,220 | €688 | €473 | €5,473 | €4,494 | ▼ 17.9% |
| Furniture and vehicles24 | - | - | €855 | €511 | €3,462 | ▲ 577% |
| Financial fixed assets28 | €2,123 | €1,013 | €1,013 | €1,013 | €1,263 | ▲ 24.7% |
| Current assets29/58 | €90,437 | €88,819 | €124,247 | €160,956 | €135,238 | ▼ 16.0% |
| Amounts receivable within one year40/41 | €38,506 | €22,872 | €20,835 | €68,937 | €74,518 | ▲ 8.1% |
| Trade receivables40 | €37,400 | €21,344 | €14,309 | €62,040 | €69,101 | ▲ 11.4% |
| Other amounts receivable41 | €1,106 | €1,527 | €6,526 | €6,897 | €5,417 | ▼ 21.5% |
| Cash at bank and in hand54/58 | €49,210 | €60,809 | €100,449 | €90,269 | €57,809 | ▼ 36.0% |
| Deferred charges and accrued income490/1 | €2,722 | €5,138 | €2,962 | €1,750 | €2,911 | ▲ 66.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €383,790 | €368,111 | €391,760 | €426,757 | €390,215 | ▼ 8.6% |
| Equity10/15 | €157,909 | €183,769 | €204,132 | €246,994 | €250,970 | ▲ 1.6% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €145,509 | €171,369 | €191,732 | €234,594 | €238,570 | ▲ 1.7% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €143,649 | €169,509 | €191,732 | €234,594 | €238,570 | ▲ 1.7% |
| Amounts payable17/49 | €225,881 | €184,342 | €187,628 | €179,763 | €139,245 | ▼ 22.5% |
| Amounts payable after more than one year17 | €147,999 | €134,919 | €121,400 | €107,427 | €92,984 | ▼ 13.4% |
| Financial debts170/4 | €147,999 | €134,919 | €121,400 | €107,427 | €92,984 | ▼ 13.4% |
| Amounts payable within one year42/48 | €75,713 | €47,919 | €64,984 | €69,299 | €44,929 | ▼ 35.2% |
| Current portion of amounts payable after more than one year42 | €12,654 | €13,079 | €13,519 | €13,973 | €14,443 | ▲ 3.4% |
| Financial debts43 | €999 | €996 | €992 | €1,237 | €1,237 | = |
| Credit institutions430/8 | €999 | €996 | €992 | €1,237 | €1,237 | = |
| Trade debts44 | €2,924 | €8,232 | €22,132 | €16,277 | €4,042 | ▼ 75.2% |
| Suppliers440/4 | €2,924 | €8,232 | €22,132 | €16,277 | €4,042 | ▼ 75.2% |
| Taxes, remuneration and social security45 | €4,023 | €8,510 | €5,668 | €15,532 | €13,921 | ▼ 10.4% |
| Taxes450/3 | €4,023 | €8,510 | €5,668 | €15,532 | €13,921 | ▼ 10.4% |
| Other amounts payable47/48 | €55,115 | €17,101 | €22,673 | €22,280 | €11,286 | ▼ 49.3% |
| Accrued charges and deferred income492/3 | €2,169 | €1,504 | €1,244 | €3,036 | €1,332 | ▼ 56.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €23,362 | €25,860 | €20,363 | €42,862 | €3,976 | ▼ 90.7% |
| + Depreciation and write-downs630 | €20,427 | €12,951 | €12,809 | €13,698 | €15,974 | ▲ 16.6% |
| Operating cash flow (approximation) | €43,789 | €38,811 | €33,172 | €56,560 | €19,950 | ▼ 64.7% |
| Investment in fixed assets (approximation) | - | €1,110 | -€1,031 | -€11,986 | -€5,150 | ▲ 57.0% |
| Change in cash | - | €11,599 | €39,640 | -€10,181 | -€32,460 | ▼ 219% |
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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 237 days late
2024
31-12
Financial
Highest result since 2018net €42,862 ▲110%
Operating result €68,435, net result €42,862, both a record.
2023
31-12
Financial
Equity above €200,000Eq €204,132 ▲11.1%
4 profitable years in a row build equity to €204,132.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150,000Eq €157,909 ▲17.4%
2 profitable years in a row build equity to €157,909.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €26,903
Net result €26,903 after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet -€21,099
Net result drops to -€21,099, the lowest in the series; recovery starts the following year.
Show earlier events
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sint-Niklaas · 1 establishment unit since 2006
Ground area
1,008 m²
Building footprint
99 m²
Volume, LiDAR
625 m³
Parcel 46017A0292/00Y000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
3T SERVICES
since 20062.156.399.476
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46017A0292/00Y000 | Flanders | 1,008 m² | 1 · 99 m² | 9.2 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.
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Of 2,545 companies in sector 95290 we hold annual accounts for 419. 295 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
Founded11-09-2006
Fiscal year end31-12
Activities, NACEBEL 2025
95290Repair and maintenance of other personal and household goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0883427203
Also
9925:BE0883427203
Registered
06-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.