Summary
B3B is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.1m and a net result of €2,533. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 55% of 2413 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
2 d early
2023
33 d early
2022
25 d early
2021
22 d late
2020
30 d late
2019
34 d late
← 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 3 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 check 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 What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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
Equity
€4.1m▲ 0.1%
2024 · €4.1m
Net result
€2,533
2024 · -€80,889
Total assets
€6.1m▼ 0.7%
2024 · €6.1m
Solvency
67.4%▲ 0.5pp
2024 · 66.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€363,915▼ 0.6%€380,775▲ 4.6%€456,103▲ 19.8%€390,565▼ 14.4%€349,500▼ 10.5%
Operating result€43,328▼ 50.3%€82,301▲ 89.9%€16,127▼ 80.4%-€80,286€3,517
Net result€28,795within the sector's middle half▼ 54.1%€58,736within the sector's middle half▲ 104%€8,752within the sector's middle half▼ 85.1%-€80,889below the sector's middle half€2,533within the sector's middle half
Equity€4.1mwithin the sector's middle half▲ 0.7%€4.2mwithin the sector's middle half▲ 1.4%€4.2mwithin the sector's middle half▲ 0.2%€4.1mwithin the sector's middle half▼ 1.9%€4.1mwithin the sector's middle half▲ 0.1%
Total assets€6.2mwithin the sector's middle half▼ 0.2%€6.1mwithin the sector's middle half▼ 0.8%€6.1mwithin the sector's middle half▼ 0.3%€6.1mwithin the sector's middle half▲ 0.9%€6.1mwithin the sector's middle half▼ 0.7%
Debt€2.0m▼ 2.1%€1.9m▼ 5.4%€1.9m▼ 1.4%€2.0m▲ 7.0%€2.0m▼ 2.3%
Working capital-€1.5m▲ 2.7%-€1.4m▲ 4.0%-€1.4m▲ 0.5%-€1.5m▼ 5.8%-€1.5m▲ 0.2%
Solvency66.9%within the sector's middle half▲ 0.6pp68.4%within the sector's middle half▲ 1.5pp68.8%within the sector's middle half▲ 0.3pp66.9%within the sector's middle half▼ 1.9pp67.4%within the sector's middle half▲ 0.5pp
Staff (FTE)1.8within the sector's middle half=1.9within the sector's middle half▲ 5.6%2.8within the sector's middle half▲ 47.4%2.1within the sector's middle half▼ 25.0%1.5within the sector's middle half▼ 28.6%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3,517 after a loss of €80,286 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.1m
Fixed assets
€5.6m =
Current assets
€524,374 ▼ 7.9%
Equity and liabilities €6.1m
Equity
€4.1m ▲ 0.1%
Debt
€2.0m ▼ 2.3%
Debt's share of the balance-sheet total falls from 33.1% to 32.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.1%▲
2024 · -2.0%
ROA
0.0%▲
2024 · -1.3%
Debt ≤ 1 year
€2.0m▼
2024 · €2.0m
Income taxes
€75▼
2024 · €80
Staff costs
€97,534▼
2024 · €220,059
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €366,276 | €383,154 | €459,980 | €393,164 | €356,530 | ▼ 9.3% |
| Turnover70 | €363,915 | €380,775 | €456,103 | €390,565 | €349,500 | ▼ 10.5% |
| Other operating income74 | €2,361 | €2,379 | €3,878 | €2,599 | €2,030 | ▼ 21.9% |
| Non-recurring operating income76A | - | - | - | - | €5,000 | - |
| Operating charges60/66A | €322,948 | €300,853 | €443,853 | €473,450 | €353,013 | ▼ 25.4% |
| Services and other goods61 | €234,035 | €217,985 | €249,914 | €252,166 | €253,662 | ▲ 0.6% |
| Remuneration, social security and pensions62 | €82,504 | €77,046 | €192,202 | €220,059 | €97,534 | ▼ 55.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,841 | €519 | €535 | €16 | - | - |
| Other operating charges640/8 | €1,568 | €1,431 | €1,202 | €1,210 | €1,816 | ▲ 50.2% |
| Non-recurring operating charges66A | - | €3,873 | €0 | - | - | - |
| Operating profit (loss)9901 | €43,328 | €82,301 | €16,127 | -€80,286 | €3,517 | ▲ 104% |
| Financial charges65/66B | €2,018 | €1,902 | €2,676 | €523 | €910 | ▲ 74.0% |
| Recurring financial charges65 | €2,018 | €1,902 | €2,676 | €523 | €910 | ▲ 74.0% |
| Debt charges650 | €2,018 | €1,901 | €2,039 | €523 | €910 | ▲ 74.0% |
| Other financial charges652/9 | €0 | €1 | €637 | - | - | - |
| Profit (loss) for the period before taxes9903 | €41,309 | €80,399 | €13,451 | -€80,809 | €2,608 | ▲ 103% |
| Income taxes67/77 | €12,515 | €21,663 | €4,700 | €80 | €75 | ▼ 6.7% |
| Taxes670/3 | €12,515 | €21,663 | €4,700 | €80 | €75 | ▼ 6.7% |
| Profit (loss) for the period9904 | €28,795 | €58,736 | €8,752 | -€80,889 | €2,533 | ▲ 103% |
| Profit (loss) for the period to be appropriated9905 | €28,795 | €58,736 | €8,752 | -€80,889 | €2,533 | ▲ 103% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.2m | €6.1m | €6.1m | €6.1m | €6.1m | ▼ 0.7% |
| Fixed assets21/28 | €5.6m | €5.6m | €5.6m | €5.6m | €5.6m | = |
| Tangible fixed assets22/27 | €4,841 | €551 | €16 | - | - | - |
| Furniture and vehicles24 | - | €551 | €16 | - | - | - |
| Leasing and similar rights25 | €4,841 | - | - | - | - | - |
| Financial fixed assets28 | €5.6m | €5.6m | €5.6m | €5.6m | €5.6m | = |
| Affiliated companies280/1 | €5.6m | €5.6m | €5.6m | €5.6m | €5.6m | = |
| Participating interests280 | €5.6m | €5.6m | €5.6m | €5.6m | €5.6m | = |
| Current assets29/58 | €580,912 | €534,141 | €517,009 | €569,480 | €524,374 | ▼ 7.9% |
| Stocks and contracts in progress3 | - | - | €0 | - | - | - |
| Amounts receivable within one year40/41 | €557,329 | €528,787 | €507,207 | €546,288 | €517,921 | ▼ 5.2% |
| Trade receivables40 | €290,644 | €262,050 | €225,166 | €269,628 | €241,332 | ▼ 10.5% |
| Other amounts receivable41 | €266,684 | €266,737 | €282,041 | €276,660 | €276,590 | = |
| Cash at bank and in hand54/58 | €21,150 | €2,787 | €5,313 | €18,437 | €2,983 | ▼ 83.8% |
| Deferred charges and accrued income490/1 | €2,434 | €2,567 | €4,489 | €4,755 | €3,470 | ▼ 27.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.2m | €6.1m | €6.1m | €6.1m | €6.1m | ▼ 0.7% |
| Equity10/15 | €4.1m | €4.2m | €4.2m | €4.1m | €4.1m | ▲ 0.1% |
| Contributions10/11 | €4.0m | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Reserves13 | €105,129 | €163,865 | €172,617 | €172,617 | €172,617 | = |
| Distributable reserves133 | €105,129 | €163,865 | €172,617 | €172,617 | €172,617 | = |
| Profit (loss) carried forward14 | - | - | - | -€80,889 | -€78,356 | ▲ 3.1% |
| Amounts payable17/49 | €2.0m | €1.9m | €1.9m | €2.0m | €2.0m | ▼ 2.3% |
| Amounts payable within one year42/48 | €2.0m | €1.9m | €1.9m | €2.0m | €2.0m | ▼ 2.3% |
| Current portion of amounts payable after more than one year42 | €968 | - | - | - | - | - |
| Trade debts44 | €5,855 | €99,500 | €63,182 | €114,423 | €3,807 | ▼ 96.7% |
| Suppliers440/4 | €5,855 | €99,500 | €63,182 | €114,423 | €3,807 | ▼ 96.7% |
| Taxes, remuneration and social security45 | €61,419 | €57,055 | €40,810 | €26,820 | €22,781 | ▼ 15.1% |
| Taxes450/3 | €40,500 | €43,698 | €11,406 | €7,484 | €12,593 | ▲ 68.3% |
| Remuneration and social security454/9 | €20,920 | €13,357 | €29,405 | €19,337 | €10,188 | ▼ 47.3% |
| Other amounts payable47/48 | €2.0m | €1.8m | €1.8m | €1.9m | €2.0m | ▲ 3.5% |
| Accrued charges and deferred income492/3 | €7,597 | €2,122 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28,795 | €58,736 | €8,752 | -€80,889 | €2,533 | ▲ 103% |
| + Depreciation and write-downs630 | €4,841 | €519 | €535 | €16 | - | - |
| Operating cash flow (approximation) | €33,636 | €59,255 | €9,287 | -€80,873 | €2,533 | ▲ 103% |
| Investment in fixed assets (approximation) | - | €3,771 | €0 | €0 | €0 | - |
| Change in cash | - | -€18,362 | €2,526 | €13,124 | -€15,454 | ▼ 218% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €2,533
Net result €2,533 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet -€80,889
Net result drops to -€80,889, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €62,704 ▲709%
Operating result €87,249, net result €62,704, both a record.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 7 days late
2017
03-07
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 7 acts read
About the unread acts
We know of 7 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
7 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-Truiden · 1 establishment unit since 2015
Ground area
1.1 ha
Building footprint
6,064 m²
Volume, LiDAR
53,772 m³
Parcel 71352D0269/00Z000, Flanders · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
B3B
since 20152.247.297.879
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0269/00Z000 | Flanders | 1.1 ha | 1 · 6,064 m² | 12.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 4 holdingsOwners 1
- Burgerlijke maatschap Famillie Bonneuxnatural personSourceown accounts 2025100%
Holdings 4
-
100%
-
98%
- BONNEUX MACHINERYsubsidiaryEquity €3.5mResult -€436,67981.8%
-
33.44%
According to the 2025 annual accounts of B3B and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
LAMKOR
BE 0457.255.624
Kortemark · Eq €4,111,912
VYNCKE 3F
BE 0810.635.631
Harelbeke · Eq €4,111,607
HORUS HOLDING
BE 0811.006.013
Brussel · Eq €4,110,239
JELOMA
BE 0827.972.796
Knokke-Heist · Eq €4,121,287
MARMOCER
BE 0896.943.261
Dilbeek · Eq €4,122,532
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 8,755 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
Founded12-11-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
E-invoicing
Reachable via Peppol
Peppol ID
0208:0642845823
Registered
23-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.