Summary
C3M3 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 €2.3m and a net result of -€513,266. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 2463 sector peers (fiscal year 2025). The company has been active since 2022 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €2.3m
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
5 d late
2023
66 d early
2022
6 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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. Usually files around 6 August (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2.3m▲ 554%
2024 · €358,824
Net result
-€513,266▼ 236%
2024 · -€152,837
Total assets
€5.7m▲ 98.5%
2024 · €2.9m
Solvency
41.1%▲ 28.6pp
2024 · 12.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, 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
Line2022202320242025
Operating result-€325,302--€92,286▲ 71.6%-€114,034▼ 23.6%-€505,246▼ 343%
Net result-€359,340below the sector's middle half--€128,998below the sector's middle half▲ 64.1%-€152,837below the sector's middle half▼ 18.5%-€513,266below the sector's middle half▼ 236%
Equity€640,660above the sector's middle half-€511,662above the sector's middle half▼ 20.1%€358,824above the sector's middle half▼ 29.9%€2.3mabove the sector's middle half▲ 554%
Total assets€2.9mabove the sector's middle half-€2.8mabove the sector's middle half▼ 0.8%€2.9mabove the sector's middle half▲ 1.3%€5.7mabove the sector's middle half▲ 98.5%
Debt€2.2m-€2.3m▲ 4.7%€2.5m▲ 8.2%€3.4m▲ 33.5%
Working capital-€1.4mbelow the sector's middle half--€1.6mbelow the sector's middle half▼ 12.7%-€1.9mbelow the sector's middle half▼ 20.0%-€2.1mbelow the sector's middle half▼ 14.4%
Solvency22.4%within the sector's middle half-18.0%below the sector's middle half▼ 4.4pp12.5%below the sector's middle half▼ 5.5pp41.1%within the sector's middle half▲ 28.6pp
Current ratio0.00below the sector's middle half-0.02below the sector's middle half▲ 0.020.00below the sector's middle half▼ 0.020.24below the sector's middle half▲ 0.24
Return on assets (ROA)-12.6%below the sector's middle half--4.5%below the sector's middle half▲ 8.0pp-5.3%below the sector's middle half▼ 0.8pp-9.0%below the sector's middle half▼ 3.7pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €505,246 in 2025 against €114,034 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.7m
Fixed assets
€5.0m ▲ 75.2%
Current assets
€679,551 ▲ 11,193%
Equity and liabilities €5.7m
Equity
€2.3m ▲ 554%
Debt
€3.4m ▲ 33.5%
Debt's share of the balance-sheet total falls from 87.5% to 58.9%. Equity and debt are higher.
Key figures and ratios
ROE
-21.9%▲
2024 · -42.6%
Debt ≤ 1 year
€2.8m▲
2024 · €1.9m
Debt > 1 year
€538,253▼
2024 · €637,412
Income taxes
€141▲
2024 · €105
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €279,399 | €104,862 | €110,653 | €451,013 | ▲ 308% |
| Other operating charges640/8 | €348 | €5,210 | €9,014 | €11,651 | ▲ 29.2% |
| Gross operating margin9900 | -€45,555 | €17,786 | €5,633 | -€42,582 | ▼ 856% |
| Operating profit (loss)9901 | -€325,302 | -€92,286 | -€114,034 | -€505,246 | ▼ 343% |
| Financial charges65/66B | €34,039 | €36,596 | €38,699 | €7,880 | ▼ 79.6% |
| Recurring financial charges65 | €34,039 | €36,596 | €38,699 | €7,880 | ▼ 79.6% |
| Profit (loss) for the period before taxes9903 | -€359,340 | -€128,882 | -€152,732 | -€513,125 | ▼ 236% |
| Income taxes67/77 | - | €116 | €105 | €141 | ▲ 34.3% |
| Profit (loss) for the period9904 | -€359,340 | -€128,998 | -€152,837 | -€513,266 | ▼ 236% |
| Profit (loss) for the period to be appropriated9905 | -€359,340 | -€128,998 | -€152,837 | -€513,266 | ▼ 236% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €2.9m | €2.8m | €2.9m | €5.7m | ▲ 98.5% |
| Fixed assets21/28 | €2.9m | €2.8m | €2.9m | €5.0m | ▲ 75.2% |
| Tangible fixed assets22/27 | €2.9m | €2.8m | €2.9m | €5.0m | ▲ 75.2% |
| Land and buildings22 | €2.7m | €2.7m | €2.6m | €4.8m | ▲ 86.2% |
| Furniture and vehicles24 | €42,865 | €47,754 | €34,834 | €21,914 | ▼ 37.1% |
| Other tangible fixed assets26 | €75,135 | €90,608 | €74,116 | €162,828 | ▲ 120% |
| Assets under construction and advance payments27 | - | - | €159,500 | - | - |
| Current assets29/58 | €3,929 | €29,169 | €6,017 | €679,551 | ▲ 11,193% |
| Amounts receivable within one year40/41 | - | - | - | €90,171 | - |
| Trade receivables40 | - | - | - | €89,680 | - |
| Other amounts receivable41 | - | - | - | €491 | - |
| Cash at bank and in hand54/58 | €3,683 | €28,606 | €5,417 | €586,385 | ▲ 10,724% |
| Deferred charges and accrued income490/1 | €246 | €563 | €600 | €2,995 | ▲ 399% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €2.9m | €2.8m | €2.9m | €5.7m | ▲ 98.5% |
| Equity10/15 | €640,660 | €511,662 | €358,824 | €2.3m | ▲ 554% |
| Contributions10/11 | €1.0m | €1.0m | €1.0m | €3.5m | ▲ 250% |
| Profit (loss) carried forward14 | -€359,340 | -€488,338 | -€641,176 | -€1.2m | ▼ 80.1% |
| Amounts payable17/49 | €2.2m | €2.3m | €2.5m | €3.4m | ▲ 33.5% |
| Amounts payable after more than one year17 | €832,592 | €735,521 | €637,412 | €538,253 | ▼ 15.6% |
| Financial debts170/4 | €832,592 | €735,521 | €637,412 | €538,253 | ▼ 15.6% |
| Amounts payable within one year42/48 | €1.4m | €1.6m | €1.9m | €2.8m | ▲ 50.2% |
| Current portion of amounts payable after more than one year42 | €96,043 | €97,071 | €98,109 | €99,159 | ▲ 1.1% |
| Trade debts44 | €8,557 | €265 | €5,156 | €105,502 | ▲ 1,946% |
| Suppliers440/4 | €8,557 | €265 | €5,156 | €105,502 | ▲ 1,946% |
| Taxes, remuneration and social security45 | - | €116 | €128 | €141 | ▲ 10.1% |
| Taxes450/3 | - | €116 | €128 | €141 | ▲ 10.1% |
| Other amounts payable47/48 | €1.3m | €1.5m | €1.8m | €2.6m | ▲ 47.4% |
| Accrued charges and deferred income492/3 | - | €915 | €107 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€359,340 | -€128,998 | -€152,837 | -€513,266 | ▼ 236% |
| + Depreciation and write-downs630 | €279,399 | €104,862 | €110,653 | €451,013 | ▲ 308% |
| Operating cash flow (approximation) | -€79,942 | -€24,136 | -€42,185 | -€62,253 | ▼ 47.6% |
| Investment in fixed assets (approximation) | - | -€55,303 | -€170,818 | -€2.6m | ▼ 1,427% |
| Change in cash | - | €24,923 | -€23,189 | €580,968 | ▲ 2,605% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet -€513,266
Net result drops to -€513,266, the lowest in the series.
31-12
Financial
Equity above €2mEq €2.3m ▲554%
Equity rises from €358,824 to €2.3m.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
26-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Ukkel · 1 establishment unit since 2022
Ground area
1,793 m²
Building footprint
312 m²
Volume, LiDAR
2,241 m³
2 parcels, Brussels, Wallonia · tallest building 16.4 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
C3M3
since 20222.330.726.094
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25033C0433/00A000 | Wallonia | 909 m² | 1 · 142 m² | 11.0 m · 2 fl. |
| 21612C0294/00D019 | Brussels | 884 m² | 1 · 170 m² | 16.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 592 companies in sector 66300 we hold annual accounts for 366. 172 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
Founded27-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0780999260
Also
9925:BE0780999260
Registered
13-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.