A3 Group
ActiveA3 Group has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €37k. Equity is growing by ~47.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 11282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+17
Solvency76▼-1
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.7 in 2024; short-term debt: 49% and cash: 20.8% of total assets), and 49% 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 46
Relative position
BE, all sectors
reference
Sector 46
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
51%
Return on assets
22.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
10 d late
2024
22 d early
2023
86 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 78.4%
2024 · €47k
2023: €39k
2024: €47k
2023 → 2025
Total assets
€163k▲ 81.0%
2024 · €90k
2023: €53k
2024: €90k
2023 → 2025
Net result
€37k▲ 351%
2024 · €8k
2023: €29k
2024: €8k
2023 → 2025
Working capital
€77k▲ 153%
2024 · €31k
2023: €19k
2024: €31k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€39k-€47k▲ 21.0%€83k▲ 78.4%
Operating result€38k-€14k▼ 64.2%€49k▲ 256%
Net result€29k-€8k▼ 71.6%€37k▲ 351%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 256% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€6k▼ 63.5%
Current assets
€157k▲ 112%
Equity and liabilities €163k
Equity
€83k▲ 78.4%
Debt
€80k▲ 83.9%
The debt ratio rises from 48.2% to 49.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▲
2024 · €24k
Cash flow
€47k▲
2024 · €18k
Solvency
51.0%▼
2024 · 51.8%
Current ratio
1.97▲
2024 · 1.70
Quick ratio
1.72▲
2024 · 1.70
Debt / equity
0.96▲
2024 · 0.93
ROE
43.9%▲
2024 · 17.4%
ROA
22.4%▲
2024 · 9.0%
Interest coverage
19.44▲
2024 · 13.52
Debt
€80k▲
2024 · €43k
Debt ≤ 1 year
€80k▲
2024 · €43k
Income taxes
€11k▲
2024 · €4k
Staff costs
€6k▲
2024 · €-683
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€90k€163k▲
Fixed assets21/28€16k€6k▼
Tangible fixed assets22/27€14k€4k▼
Plant, machinery and equipment23€10k€4k▼
Furniture and vehicles24€5k€0▼
Financial fixed assets28€2k€2k=
Current assets29/58€74k€157k▲
Stocks and contracts in progress3-€20k
Stocks30/36-€20k
Amounts receivable within one year40/41€66k€103k▲
Trade receivables40€66k€55k▼
Other amounts receivable41€94€48k▲
Cash at bank and in hand54/58-€34k
Deferred charges and accrued income490/1€8k€101▼
Equity and liabilities
Total equity and liabilities10/49€90k€163k▲
Equity10/15€47k€83k▲
Contributions10/11€10k€10k=
Reserves13€37k€37k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14-€37k
Amounts payable17/49€43k€80k▲
Amounts payable within one year42/48€43k€80k▲
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€25k€65k▲
Suppliers440/4€25k€65k▲
Taxes, remuneration and social security45€12k€15k▲
Taxes450/3€12k€15k▲
Remuneration and social security454/9€44€44=
Other amounts payable47/48€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€-683€6k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€25k€66k▲
Operating profit (loss)9901€14k€49k▲
Financial income75/76B€3€1k▲
Recurring financial income75€3€1k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€12k€47k▲
Income taxes67/77€4k€11k▲
Profit (loss) for the period9904€8k€37k▲
Profit (loss) for the period to be appropriated9905€8k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€37k▼
Profit (loss) brought forward from the previous period14P€29k-
Transfer to equity691/2€37k-
To other reserves6921€37k-
The notes to these accounts (5 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Highest result since 2023net €37k ▲351%
Operating result €49k, net result €37k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼71.6%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 86 days late
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, Heusden-Zolder · 1 establishment unit since 2022
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.
Inakker 253550 Heusden-ZolderGround area
5,313 m²
Building footprint
1,976 m²
Volume, LiDAR
11,312 m³
Parcel 71065B0233/00W000, Flanders · tallest building 13.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
A3 Group
since 20222.339.393.639
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065B0233/00W000 | Flanders | 5,313 m² | 1 · 1,976 m² | 13.4 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.
Similar companies · same sector, comparable size
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BE 0431.572.301
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BE 0783.192.945
Ingelmunster · Eq €85k
ELEKTRO WERNER HEEREN
BE 0461.262.120
Lontzen · Eq €81k
ART & LIGHT
BE 0473.675.546
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EXPELEC
BE 0437.087.938
Waterloo · Eq €86k
Of 1,247 companies in sector 46643 we hold annual accounts for 954. 549 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-2022
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
46643Wholesale of electrical equipment, including installation materials
47540Retail sale of electrical household appliances
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.