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Generated 20-07-2026
Active BE 0793.965.388Private limited company

3XFCONCEPT

Mutsaardplein 2 ·1853 Grimbergen, Belgium· 3 yrs active
Sector: Construction of buildings (41003)
Conclusion Checked

The computed 12-month bankruptcy probability of 3XFCONCEPT is 2.4% (moderate). The 2024 annual accounts show equity of €38k and a net result of €50k. Its solvency ranks better than 55% of 3814 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 €38k
Net result €50k
Better than sector 55%
Active 3 yrs
Snowflake analysis 5 axes · computed by Checked
Health89Profitability100Solvency77Growth78Stability94
88 / 100

Exceptional profile, strong across almost every axis.

Health 89
Profitability 100
Solvency 77
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.4% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +

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
89 / 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 10-10-2025 with the NBB · fiscal year 2024 · micro
€0€20k€40k€60kOperating result 2023: €49k€49kNet result 2023: €44k€44kOperating result 2024: €57k€57kNet result 2024: €50k€50k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 43.3% 39.4%
better than 55% of 3814 sector peers
Net result €50k €10k
better than 89% of 3811 sector peers
Equity €38k €29k
better than 59% of 3819 sector peers
Gross operating margin €65k €26k
better than 76% of 3809 sector peers
Total assets €87k €85k
better than 51% of 3815 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€61k
- far above sector median
Net profit
€50k
+12.0% far above sector median
Cash flow
€54k
- far above sector median
Total assets
€87k
+53.9% +3% vs sector
Equity
€38k
+107.2% +46% vs sector
Working capital
€24k
+135.1% +13% vs sector
Income taxes
€7k
+63.1% far above sector median
Debt
€49k
+28.6% +3% vs sector
Debt ≤ 1y
€49k
+28.6% +25% vs sector
Current ratio
1.49
+17.4% -3% vs sector
Quick ratio
1.49
+17.4% -3% vs sector
Solvency
43.3%
+34.6% +8% vs sector
Debt / equity
1.31
-37.9% ≈ vs sector
ROE
131.2%
-45.9% far above sector median
ROA
56.8%
-27.2% far above sector median
Interest coverage
1405.52
- far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€61k
Net profit€50k
Cash flow€54k
Staff costs-
Income taxes€7k
Dividends-
Total assets€87k
Equity€38k
Debt€49k
of which ≤ 1y€49k
of which > 1y-
Working capital€24k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.49
Quick ratio1.49
Working capital ratio27.6%
Solvency43.3%
Debt / equity1.31
Long-term debt ratio-
Interest coverage1405.52
Gross margin-
Net margin-
ROA56.8%
ROE131.2%
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€87k
Fixed assets 21/28€14k
Tangible fixed assets 22/27€14k
Current assets 29/58€74k
Amounts receivable within one year 40/41€21k
Cash & bank 54/58€53k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€87k
Equity 10/15€38k
Contributions / capital 10/11€2k
Reserves 13€36k
Amounts payable 17/49€49k
Amounts payable within one year 42/48€49k
Income statement
Gross operating margin 9900€65k
Operating result 9901€57k
Financial charges 65€44
Result before taxes 9903€57k
Income taxes 67/77€7k
Net result for the period 9904€50k
Result to be appropriated 9905€50k
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Ratios computed by Checked.
Legal Structure
NACE primary Construction of buildings(41003)
Legal form Private limited company(610)
Incorporation25-11-2022
StatusActive
Postal code1853
Establishment units 1 location
3XFCONCEPT
Gentsesteenweg 1154, 1082 Sint-Agatha-BerchemZagen en schaven van hout
since 20232.339.712.650
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 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21342B0081/00A004 Brussels 2,748 m² 1 · 1,831 m² 29.2 m · 7 fl.
23084A0399/00M025 Flanders 1,424 m² 1 · 561 m² 22.0 m · 5 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

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

2025
10-10-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
11-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
21-08-2024
State Gazette act Registered-office change
Belgisch Staatsblad, acts 1 acts
Address history · 1
21-08-2024
Registered-office move
All acts · 1 updated 1 year ago
2024
21-08-2024 Registered office moved from Dilbeek to Grimbergen Registered-office change
  • Oudesmidsestraat 20 1700 Dilbeek → Mutsaardplein 2 1853 Grimbergen
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Mutsaardplein 2 1853 Grimbergen",
        "city": "Grimbergen",
        "region": "vlaams_gewest",
        "street": "Mutsaardplein",
        "country": "BE",
        "postcode": "1853",
        "box_number": null,
        "street_number": "2",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Oudesmidsestraat 20 1700 Dilbeek",
        "city": "Dilbeek",
        "region": "vlaams_gewest",
        "street": "Oudesmidsestraat",
        "country": "BE",
        "postcode": "1700",
        "box_number": null,
        "street_number": "20",
        "locality_suffix": null
      },
      "effective_date": "2024-07-06",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-08-21",
    "filing_date": "2024-08-12",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2024-07-06",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0793.965.388",
    "name_full": "3XFCONCEPT",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Filimon Viorel",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van andere niet-residentiële gebouwen41003Algemene bouw van andere niet-residentiële gebouwen41203Plaatsen van vloer- en wandtegels43331Plaatsen van vloer- en wandtegels43331Dakwerkzaamheden43410Dakwerkzaamheden43910Overige gespecialiseerde bouwactiviteiten, neg43990Overige gespecialiseerde bouwwerkzaamheden43999
Primary activity highlighted.
Names & trade names
Legal nameNL 3XFCONCEPT
Registered office
Mutsaardplein 2
1853 Grimbergen, 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