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Complete company report
Generated 11-07-2026
Active BE 0792.715.969Private limited company

3VS

Kerkstraat 10 ·2275 Lille, Belgium· 3 yrs active
Sector: Cafés (56301)
Conclusion Checked

The computed 12-month bankruptcy probability of 3VS is 4.0% (elevated). The 2024 annual accounts show equity of €108k and a net result of €34k. Its solvency ranks better than 95% of 5562 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €108k
Net result €34k
Staff (FTE) 2.4
Better than sector 95%
Snowflake analysis 5 axes · computed by Checked
Health93Profitability100Solvency100Growth52Stability94
88 / 100

Exceptional profile, strong across almost every axis.

Health 93
Profitability 100
Solvency 100
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
4.0% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
93 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 25-07-2025 with the NBB · fiscal year 2024 · micro
€0€20k€40k€60k€80kOperating result 2023: €74k€74kNet result 2023: €59k€59kOperating result 2024: €45k€45kNet result 2024: €34k€34k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 81.9% 19.4%
better than 95% of 5562 sector peers
Net result €34k €4k
better than 83% of 5552 sector peers
Equity €108k €14k
better than 90% of 5573 sector peers
Gross operating margin €148k €52k
better than 79% of 5538 sector peers
Staff costs €95k €49k
higher than 70% of 4029 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€51k
-35.0% 23-24
Net profit
€34k
-42.8% 23-24
Cash flow
€40k
-36.8% 23-24
Total assets
€132k
+9.1% 23-24
Equity
€108k
+45.6% 23-24
Working capital
€44k
+100.0% 23-24
Employees (FTE)
2
+26.3% 23-24
Staff costs
€95k
+23.4% 23-24
Income taxes
€9k
-33.0% 23-24
Debt
€24k
-49.0% 23-24
Debt ≤ 1y
€24k
-48.9% 23-24
Current ratio
2.83
+92.8% 23-24
Quick ratio
2.51
+88.4% 23-24
Solvency
81.9%
+33.5% 23-24
Debt / equity
0.22
-65.0% 23-24
ROE
31.3%
-60.7% 23-24
ROA
25.7%
-47.6% 23-24
Interest coverage
25.41
-46.3% 23-24
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€51k
Net profit€34k
Cash flow€40k
Staff costs€95k
Income taxes€9k
Dividends-
Total assets€132k
Equity€108k
Debt€24k
of which ≤ 1y€24k
of which > 1y-
Working capital€44k
Employees (FTE)2.4
Ratios (computed)
2024
Current ratio2.83
Quick ratio2.51
Working capital ratio33.0%
Solvency81.9%
Debt / equity0.22
Long-term debt ratio-
Interest coverage25.41
Gross margin-
Net margin-
ROA25.7%
ROE31.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€132k
Fixed assets 21/28€65k
Tangible fixed assets 22/27€65k
Financial fixed assets 28€38
Current assets 29/58€67k
Stocks & contracts in progress 3€8k
Amounts receivable within one year 40/41€18k
Cash & bank 54/58€42k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€132k
Equity 10/15€108k
Contributions / capital 10/11€15k
Reserves 13€93k
Amounts payable 17/49€24k
Amounts payable within one year 42/48€24k
Trade debts payable within one year 44€10k
Income statement
Gross operating margin 9900€148k
Operating result 9901€45k
Financial income 75€31
Financial charges 65€2k
Result before taxes 9903€43k
Income taxes 67/77€9k
Net result for the period 9904€34k
Result to be appropriated 9905€34k
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Ratios computed by Checked.
Legal Structure
NACE primary Cafés(56301)
Legal form Private limited company(610)
Incorporation20-10-2022
StatusActive
Postal code2275
Establishment units 1 location
3VS
Kerkstraat 10, 2275 LilleOntwikkeling van residentiële bouwprojecten
since 20222.338.020.296
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13019E0718/00B000 Flanders 592 m² 1 · 306 m² 9.9 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
25-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
24-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Cafés en bars56301Cafés en bars56301Ontwikkeling van residentiële bouwprojecten41101Ontwikkeling van residentiële bouwprojecten68121Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Sport- en recreatieonderwijs85510Sport- en recreatieonderwijs85510Overige persoonlijke diensten96099Overige persoonlijke diensten96999
Primary activity highlighted.
Names & trade names
Legal nameNL 3VS
Registered office
Kerkstraat 10
2275 Lille, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative