3W
ActiveSummary
3W has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167,565 and a net result of €40,879. Equity is growing by ~47.8% per year across the filed fiscal years. Its solvency ranks better than 88% of 1438 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▼-7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 10.9 against 8.57 in 2024; short-term debt: 8.4% and cash: 30.6% of total assets), and 20.3% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% 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
79.7%
Return on assets
19.4%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
3 d early
2023
9 d early
2022
26 d early
2021
4 d early
2020
5 d early
2019
2 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 7 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€40,879▼ 4.9%
2024 · €42,987
Working capital
€175,621▲ 37.0%
2024 · €128,233
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€16,323▲ 306%-€4,956€45,919€78,335▲ 70.6%€54,283▼ 30.7%
Net result€8,088▲ 87.7%-€6,177€41,787€42,987▲ 2.9%€40,879▼ 4.9%
Equity€48,087▲ 20.2%€41,910▼ 12.8%€83,698▲ 99.7%€126,685▲ 51.4%€167,565▲ 32.3%
Total assets€78,480▲ 4.1%€65,985▼ 15.9%€144,886▲ 120%€158,614▲ 9.5%€210,308▲ 32.6%
Debt€30,393▼ 14.1%€24,075▼ 20.8%€61,188▲ 154%€31,929▼ 47.8%€42,743▲ 33.9%
Working capital€60,395▲ 7.6%€41,159▼ 31.8%€101,810▲ 147%€128,233▲ 26.0%€175,621▲ 37.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210,308
Fixed assets
€16,944 ▲ 26.0%
Current assets
€193,364 ▲ 33.2%
Equity and liabilities €210,308
Equity
€167,565 ▲ 32.3%
Debt
€42,743 ▲ 33.9%
Debt's share of the balance-sheet total rises from 20.1% to 20.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63,174▼
2024 · €86,770
Cash flow
€49,770▼
2024 · €51,423
Current ratio
10.90▲
2024 · 8.57
Debt to equity
0.26▲
2024 · 0.25
ROE
24.4%▼
2024 · 33.9%
ROA
19.4%▼
2024 · 27.1%
Interest coverage
263.69▼
2024 · 629.50
Debt ≤ 1 year
€17,743▲
2024 · €16,929
Income taxes
€15,092▼
2024 · €36,707
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
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 0.2% 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 34,672 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 | €2,107 | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | €908 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,276 | €4,442 | €7,733 | €8,436 | €8,891 | ▲ 5.4% |
| Other operating charges640/8 | €1,497 | €1,166 | €3,539 | €1,214 | €1,175 | ▼ 3.2% |
| Gross operating margin9900 | €21,096 | €651 | €58,099 | €87,984 | €64,349 | ▼ 26.9% |
| Operating profit (loss)9901 | €16,323 | -€4,956 | €45,919 | €78,335 | €54,283 | ▼ 30.7% |
| Financial income75/76B | €1,325 | €1,682 | €2,169 | €1,497 | €1,928 | ▲ 28.7% |
| Recurring financial income75 | €1,325 | €1,682 | €2,169 | €1,497 | €1,928 | ▲ 28.7% |
| Financial charges65/66B | €184 | €291 | €266 | €138 | €240 | ▲ 73.8% |
| Recurring financial charges65 | €184 | €291 | €266 | €138 | €240 | ▲ 73.8% |
| Profit (loss) for the period before taxes9903 | €17,465 | -€3,566 | €47,822 | €79,694 | €55,971 | ▼ 29.8% |
| Income taxes67/77 | €9,377 | €2,611 | €6,034 | €36,707 | €15,092 | ▼ 58.9% |
| Profit (loss) for the period9904 | €8,088 | -€6,177 | €41,787 | €42,987 | €40,879 | ▼ 4.9% |
| Profit (loss) for the period to be appropriated9905 | €8,088 | -€6,177 | €41,787 | €42,987 | €40,879 | ▼ 4.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €78,480 | €65,985 | €144,886 | €158,614 | €210,308 | ▲ 32.6% |
| Fixed assets21/28 | €15,193 | €10,751 | €21,888 | €13,452 | €16,944 | ▲ 26.0% |
| Tangible fixed assets22/27 | €14,893 | €10,451 | €21,588 | €13,152 | €16,644 | ▲ 26.5% |
| Plant, machinery and equipment23 | €2,104 | €1,748 | €1,392 | €1,035 | €7,628 | ▲ 637% |
| Furniture and vehicles24 | €12,789 | €8,703 | €20,196 | €12,117 | €9,016 | ▼ 25.6% |
| Financial fixed assets28 | €300 | €300 | €300 | €300 | €300 | = |
| Current assets29/58 | €63,288 | €55,234 | €122,998 | €145,162 | €193,364 | ▲ 33.2% |
| Amounts receivable within one year40/41 | €36,818 | €39,117 | €67,069 | €105,948 | €23,784 | ▼ 77.6% |
| Trade receivables40 | €2,357 | €2,357 | €17,361 | €7,003 | €16,333 | ▲ 133% |
| Other amounts receivable41 | €34,461 | €36,760 | €49,708 | €98,945 | €7,451 | ▼ 92.5% |
| Current investments50/53 | €6,480 | €6,480 | €6,480 | €6,480 | €105,200 | ▲ 1,523% |
| Cash at bank and in hand54/58 | €19,990 | €9,637 | €49,449 | €32,733 | €64,380 | ▲ 96.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €78,480 | €65,985 | €144,886 | €158,614 | €210,308 | ▲ 32.6% |
| Equity10/15 | €48,087 | €41,910 | €83,698 | €126,685 | €167,565 | ▲ 32.3% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Outside capital11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Share premium1100/10 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €106,860 | ▲ 5,645% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €106,860 | ▲ 5,645% |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Own shares acquired1312 | - | - | - | - | €105,000 | - |
| Profit (loss) carried forward14 | €40,027 | €33,850 | €75,638 | €118,625 | €54,505 | ▼ 54.1% |
| Amounts payable17/49 | €30,393 | €24,075 | €61,188 | €31,929 | €42,743 | ▲ 33.9% |
| Amounts payable within one year42/48 | €2,893 | €14,075 | €21,188 | €16,929 | €17,743 | ▲ 4.8% |
| Current portion of amounts payable after more than one year42 | €1,281 | - | - | - | - | - |
| Trade debts44 | €1,612 | €11,056 | €13,952 | €11,425 | €12,277 | ▲ 7.5% |
| Suppliers440/4 | €1,612 | €11,056 | €13,952 | €11,425 | €12,277 | ▲ 7.5% |
| Taxes, remuneration and social security45 | - | €3,018 | €7,237 | €5,504 | €5,466 | ▼ 0.7% |
| Taxes450/3 | - | €3,018 | €7,237 | €5,504 | €5,466 | ▼ 0.7% |
| Accrued charges and deferred income492/3 | €27,500 | €10,000 | €40,000 | €15,000 | €25,000 | ▲ 66.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,088 | -€6,177 | €41,787 | €42,987 | €40,879 | ▼ 4.9% |
| + Depreciation and write-downs630 | €3,276 | €4,442 | €7,733 | €8,436 | €8,891 | ▲ 5.4% |
| Operating cash flow (approximation) | €11,364 | -€1,736 | €49,520 | €51,423 | €49,770 | ▼ 3.2% |
| Investment in fixed assets (approximation) | - | €0 | -€18,869 | €0 | -€12,382 | - |
| Change in cash | - | -€10,353 | €39,812 | -€16,715 | €31,647 | ▲ 289% |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €150,000Eq €167,565 ▲32.3%
3 profitable years in a row build equity to €167,565.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €42,987 ▲2.9%
Operating result €78,335, net result €42,987, both a record.
31-12
Financial
Equity above €100,000Eq €126,685 ▲51.4%
2 profitable years in a row build equity to €126,685.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €41,787
Net result €41,787 after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity triplescurrent ratio 21.88
Current ratio from 7.16 to 21.88; short-term debt falls from €9,111 to €2,893.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity triplescurrent ratio 7.16
Current ratio from 2.82 to 7.16; short-term debt falls from €14,112 to €9,111.
Show earlier events
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €38,547
Net result €38,547 after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 2.82
Current ratio from 0.42 to 2.82.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Tournai · 1 establishment unit since 2013
Ground area
1,418 m²
Building footprint
139 m²
Volume, LiDAR
583 m³
2 parcels, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
3W sprl
since 20132.219.267.849
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57008C0650/00K000 | Wallonia | 1,142 m² | 1 · 73 m² | - |
| 57031B0472/00D002 | Wallonia | 276 m² | 1 · 66 m² | 9.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
648804O1DFNO2F5A3577
Similar companies · same sector, comparable size
PROMINDED
BE 0798.959.603
Chaudfontaine · Eq €167,560
JR Business Consulting
BE 0795.767.709
Harelbeke · Eq €167,579
DEAUTY BE
BE 0627.904.457
Eeklo · Eq €167,535
SKYLEGS
BE 0535.618.954
Antwerpen · Eq €167,534
Assistool
BE 0684.715.773
Silly · Eq €167,613
Of 16,910 companies in sector 62100 we hold annual accounts for 8,778. 6,796 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
Founded14-05-2013
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
46190Agents in non-specialised wholesale trade
46500Wholesale of information and communication equipment
47120Other non-specialised retail sale
47400Retail sale of information and communication equipment
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63910Web portal activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0534438722
Registered
31-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.