3yardsMT
Active3yardsMT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €413k and a net result of €123k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 90% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 15.23 against 18.29 in 2024; short-term debt: 6.4% and cash: 3.3% of total assets), and 6.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
93.6%
Return on assets
28%
Age of the figures
9 mo
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
48 d late
2022
31 d early
2021
89 d late
2020
92 d late
2019
7 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€413k▲ 26.8%
2024 · €326k
2019: €86k
2020: €156k
2021: €287k
2022: €291k
2023: €202k
2024: €326k
2019 → 2025
Total assets
€441k▲ 28.1%
2024 · €344k
2019: €123k
2020: €269k
2021: €361k
2022: €400k
2023: €258k
2024: €344k
2019 → 2025
Net result
€123k▼ 0.3%
2024 · €124k
2019: €74k
2020: €70k
2021: €131k
2022: €4k
2023: €-89k
2024: €124k
2019 → 2025
Working capital
€399k▲ 24.9%
2024 · €319k
2019: €86k
2020: €156k
2021: €287k
2022: €291k
2023: €193k
2024: €319k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€287k-€291k▲ 1.3%€202k▼ 30.7%€326k▲ 61.3%€413k▲ 26.8%
Operating result€122k-€135k▲ 10.1%€154k▲ 14.8%€163k▲ 5.9%€167k▲ 2.4%
Net result€131k-€4k▼ 97.2%€-89k€124k€123k▼ 0.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€14k▲ 117%
Current assets
€427k▲ 26.4%
Equity and liabilities €441k
Equity
€413k▲ 26.8%
Debt
€28k▲ 51.7%
The debt ratio rises from 5.4% to 6.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€170k▲
2024 · €166k
Cash flow
€126k▲
2024 · €126k
Solvency
93.6%▼
2024 · 94.6%
Current ratio
15.23▼
2024 · 18.29
Quick ratio
15.23▼
2024 · 18.29
Debt / equity
0.07▲
2024 · 0.06
ROE
29.9%▼
2024 · 38.0%
ROA
28.0%▼
2024 · 36.0%
Interest coverage
8.31=
2024 · 8.31
Debt
€28k▲
2024 · €18k
Debt ≤ 1 year
€28k▲
2024 · €18k
Income taxes
€58k▲
2024 · €55k
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€344k€441k▲
Fixed assets21/28€7k€14k▲
Intangible fixed assets21-€8k
Tangible fixed assets22/27€7k€6k▼
Furniture and vehicles24€7k€6k▼
Current assets29/58€337k€427k▲
Amounts receivable within one year40/41€38k€54k▲
Trade receivables40€25k€26k▲
Other amounts receivable41€13k€29k▲
Current investments50/53€295k€357k▲
Cash at bank and in hand54/58€4k€15k▲
Deferred charges and accrued income490/1€303€308▲
Equity and liabilities
Total equity and liabilities10/49€344k€441k▲
Equity10/15€326k€413k▲
Contributions10/11€12k€12k=
Reserves13€313k€400k▲
Distributable reserves133€313k€400k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€18k€28k▲
Amounts payable within one year42/48€18k€28k▲
Trade debts44€0€3k▲
Suppliers440/4€0€3k▲
Taxes, remuneration and social security45€18k€25k▲
Taxes450/3€18k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€217€219▲
Gross operating margin9900€166k€170k▲
Operating profit (loss)9901€163k€167k▲
Financial income75/76B€35k€34k▼
Recurring financial income75€35k€34k▼
Financial charges65/66B€20k€20k▲
Recurring financial charges65€20k€20k▲
Profit (loss) for the period before taxes9903€178k€181k▲
Income taxes67/77€55k€58k▲
Profit (loss) for the period9904€124k€123k▼
Profit (loss) for the period to be appropriated9905€124k€123k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€123k▲
Profit (loss) brought forward from the previous period14P€-89k€0▲
Transfer from equity791/2-€36k
Transfer to equity691/2€34k€123k▲
To other reserves6921€34k€123k▲
Profit to be distributed694/7-€36k
Return on contributions (dividend)694-€36k
The notes to these accounts (10 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €124k
Net result €124k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 18.29
Current ratio from 4.47 to 18.29; short-term debt falls from €56k to €18k.
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 48 days late
2023
31-12
Financial
Weakest financial yearnet €-89k ▼2571%
Net result drops to €-89k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 89 days late
2021
31-12
Financial
Highest result since 2019net €131k ▲88.5%
Net result €131k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 4.90
Current ratio from 2.38 to 4.90; short-term debt falls from €113k to €74k.
31-12
Financial
Equity above €200kEq €287k ▲84.1%
3 profitable years in a row build equity to €287k.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
31-12
Financial
Equity above €150kEq €156k ▲80.6%
2 profitable years in a row build equity to €156k.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Katelijne-Waver · 1 establishment unit since 2018
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.
Molenvelden 122860 Sint-Katelijne-WaverGround area
2,507 m²
Building footprint
191 m²
Volume, LiDAR
477 m³
Parcel 12035E0451/00M002, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
3yardsMT
since 20182.276.312.064
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035E0451/00M002 | Flanders | 2,507 m² | 1 · 191 m² | 8.6 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845000KD04DY7FC2A72
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.