A3D CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of A3D CONSTRUCT is 2.4% (moderate). The 2024 annual accounts show equity of €16k and a net result of €3k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 93% of 9981 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▲+9
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 4.7 against 2.72 in 2023; short-term debt: 12.8% and cash: 24.7% of total assets), and 12.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
87.2%
Return on assets
13.3%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-11-2025, 106 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
106 d late
2023
91 d late
2022
106 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€16k▲ 18.1%
2023 · €14k
2022: €13k
2023: €14k
2022 → 2024
Total assets
€19k▲ 5.0%
2023 · €18k
2022: €14k
2023: €18k
2022 → 2024
Net result
€3k▲ 126%
2023 · €1k
2022: €8k
2023: €1k
2022 → 2024
Working capital
€9k▲ 28.5%
2023 · €7k
2022: €4k
2023: €7k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€13k-€14k▲ 8.7%€16k▲ 18.1%
Operating result€9k-€2k▼ 80.7%€3k▲ 84.1%
Net result€8k-€1k▼ 85.7%€3k▲ 126%
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 2024; 2024 is 84% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €19k
Fixed assets
€7k▲ 7.6%
Current assets
€11k▲ 3.3%
Equity and liabilities €19k
Equity
€16k▲ 18.1%
Debt
€2k▼ 40.2%
The debt ratio falls from 22.5% to 12.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2023 · €4k
Cash flow
€5k▲
2023 · €3k
Solvency
87.2%▲
2023 · 77.5%
Current ratio
4.70▲
2023 · 2.72
Quick ratio
4.70▲
2023 · 2.72
Debt / equity
0.15▼
2023 · 0.29
ROE
15.3%▲
2023 · 8.0%
ROA
13.3%▲
2023 · 6.2%
Interest coverage
199.18▲
2023 · 20.80
Debt
€2k▼
2023 · €4k
Debt ≤ 1 year
€2k▼
2023 · €4k
Income taxes
€709▲
2023 · €459
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€18k€19k▲
Fixed assets21/28€7k€7k▲
Tangible fixed assets22/27€7k€7k▲
Furniture and vehicles24€7k€7k▲
Current assets29/58€11k€11k▲
Amounts receivable within one year40/41€7k€7k▼
Trade receivables40€4k€1k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€342-
Equity and liabilities
Total equity and liabilities10/49€18k€19k▲
Equity10/15€14k€16k▲
Contributions10/11€5k€5k=
Reserves13€500€500=
Non-distributable reserves130/1€500€500=
Reserves not available under the articles1311€500€500=
Profit (loss) carried forward14€8k€11k▲
Amounts payable17/49€4k€2k▼
Amounts payable within one year42/48€4k€2k▼
Trade debts44€794€442▼
Suppliers440/4€794€442▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€800€800=
Income statement
Code20232024
Non-recurring operating income76A€2k€648▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€573€457▼
Non-recurring operating charges66A€100-
Gross operating margin9900€5k€6k▲
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€195€29▼
Recurring financial charges65€195€29▼
Profit (loss) for the period before taxes9903€2k€3k▲
Income taxes67/77€459€709▲
Profit (loss) for the period9904€1k€3k▲
Profit (loss) for the period to be appropriated9905€1k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€11k▲
Profit (loss) brought forward from the previous period14P€8k€8k▲
Transfer to equity691/2€500-
To the legal reserve6920€500-
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
2025
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 106 days late
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-12
Financial
Weakest financial yearnet €1k ▼85.7%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
14-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 106 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, Tienen · 1 establishment unit since 2021
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.
Leuvensestraat 1313300 TienenGround area
2,950 m²
Building footprint
550 m²
Volume, LiDAR
3,138 m³
2 parcels, Flanders, Wallonia · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A3D CONSTRUCT
since 20212.324.871.056
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25103E0263/00H000 | Wallonia | 2,549 m² | 1 · 175 m² | 12.1 m · 2 fl. |
| 24593G0715/00A000 | Flanders | 401 m² | 1 · 375 m² | 11.8 m · 2 fl. |
Linked by address, not proof of ownership
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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 10,964 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:contact@a3dconstruct.be
Phone:0477317824