3T8
ActiveThe computed 12-month bankruptcy probability of 3T8 is 1.5% (moderate). The 2025 annual accounts show equity of €142k and a net result of €51k. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 10359 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency83▼-13
Growth52=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 2.16 in 2024; short-term debt: 37.1% and cash: 26.3% of total assets), and 42.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
57.8%
Return on assets
20.7%
Age of the figures
12 mo
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 27-04-2026, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
3 d early
2024
10 d early
2023
16 d early
2022
13 d early
← before the deadline
after the deadline →
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
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€142k▼ 6.1%
2024 · €151k
2022: €77k
2023: €95k
2024: €151k
2022 → 2025
Total assets
€245k▲ 14.6%
2024 · €214k
2022: €138k
2023: €173k
2024: €214k
2022 → 2025
Net result
€51k▼ 9.9%
2024 · €56k
2022: €75k
2023: €18k
2024: €56k
2022 → 2025
Working capital
€12k▼ 73.0%
2024 · €46k
2022: €62k
2023: €58k
2024: €46k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€77k-€95k▲ 23.4%€151k▲ 59.4%€142k▼ 6.1%
Operating result€107k-€31k▼ 71.5%€75k▲ 144%€69k▼ 7.6%
Net result€75k-€18k▼ 75.9%€56k▲ 213%€51k▼ 9.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €245k
Fixed assets
€142k▲ 9.8%
Current assets
€103k▲ 21.8%
Equity and liabilities €245k
Equity
€142k▼ 6.1%
Debt
€103k▲ 64.1%
The debt ratio rises from 29.4% to 42.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€80k▲
2024 · €80k
Cash flow
€62k▲
2024 · €62k
Solvency
57.8%▼
2024 · 70.6%
Current ratio
1.14▼
2024 · 2.16
Quick ratio
1.14▼
2024 · 2.16
Debt / equity
0.73▲
2024 · 0.42
ROE
35.8%▼
2024 · 37.3%
ROA
20.7%▼
2024 · 26.3%
Interest coverage
21.28▼
2024 · 31.81
Debt
€103k▲
2024 · €63k
Debt ≤ 1 year
€91k▲
2024 · €39k
Debt > 1 year
€11k▼
2024 · €22k
Income taxes
€14k▼
2024 · €16k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€214k€245k▲
Fixed assets21/28€129k€142k▲
Tangible fixed assets22/27€128k€117k▼
Plant, machinery and equipment23€2k€276▼
Furniture and vehicles24€26k€20k▼
Leasing and similar rights25€100k€97k▼
Financial fixed assets28€2k€25k▲
Current assets29/58€85k€103k▲
Amounts receivable within one year40/41€39k€37k▼
Trade receivables40€39k€36k▼
Other amounts receivable41-€700
Cash at bank and in hand54/58€45k€64k▲
Deferred charges and accrued income490/1€521€2k▲
Equity and liabilities
Total equity and liabilities10/49€214k€245k▲
Equity10/15€151k€142k▼
Contributions10/11€2k€2k=
Reserves13€93k€93k=
Distributable reserves133€93k€93k=
Profit (loss) carried forward14€56k€47k▼
Amounts payable17/49€63k€103k▲
Amounts payable after more than one year17€22k€11k▼
Financial debts170/4€22k€11k▼
Amounts payable within one year42/48€39k€91k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€22k€11k▼
Taxes450/3€22k€11k▼
Other amounts payable47/48€3k€66k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€11k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€5k-
Gross operating margin9900€86k€82k▼
Operating profit (loss)9901€75k€69k▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€72k€65k▼
Income taxes67/77€16k€14k▼
Profit (loss) for the period9904€56k€51k▼
Profit (loss) for the period to be appropriated9905€56k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€107k▲
Profit (loss) brought forward from the previous period14P-€56k
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
The notes to these accounts (16 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €150kEq €151k ▲59.4%
3 profitable years in a row build equity to €151k.
14-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €18k ▼75.9%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
17-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Deinze · 1 establishment unit since 2021
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.
Paddenpoelhof 109800 DeinzeGround area
436 m²
Building footprint
97 m²
Volume, LiDAR
566 m³
Parcel 44054B0499/00S004, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
3T8
since 20212.312.997.464
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054B0499/00S004 | Flanders | 436 m² | 1 · 97 m² | 7.6 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 315 EUR awarded · 315 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 315 EUR | 315 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,415 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2021
Fiscal year end30-09
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
62900Other information technology and computer services
70200Business and other management consultancy
70220Business consulting
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
82990Other business support services
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.3t8.be