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 €2.35M and a net result of €-513k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 2435 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 health 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 advice for your own amount and term
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 €2.35M
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 →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.35M▲ 554%
2024 · €359k
2022: €641k
2023: €512k
2024: €359k
2022 → 2025
Net result
€-513k▼ 236%
2024 · €-153k
2022: €-359k
2023: €-129k
2024: €-153k
2022 → 2025
Total assets
€5.71M▲ 98.5%
2024 · €2.88M
2022: €2.86M
2023: €2.84M
2024: €2.88M
2022 → 2025
Solvency
41.1%▲ 28.6pp
2024 · 12.5%
2022: 22.4%
2023: 18.0%
2024: 12.5%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€641k-€512k▼ 20.1%€359k▼ 29.9%€2.35M▲ 554%
Operating result€-325k-€-92k▲ 71.6%€-114k▼ 23.6%€-505k▼ 343%
Net result€-359k-€-129k▲ 64.1%€-153k▼ 18.5%€-513k▼ 236%
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 €505k in 2025 against €114k 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 €5.71M
Fixed assets
€5.03M ▲ 75.2%
Current assets
€680k ▲ 11,193%
Equity and liabilities €5.71M
Equity
€2.35M ▲ 554%
Debt
€3.36M ▲ 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%
ROA
-9.0%▼
2024 · -5.3%
Debt ≤ 1 year
€2.82M▲
2024 · €1.88M
Debt > 1 year
€538k▼
2024 · €637k
Income taxes
€141▲
2024 · €105
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.88M€5.71M▲
Fixed assets21/28€2.87M€5.03M▲
Tangible fixed assets22/27€2.87M€5.03M▲
Land and buildings22€2.60M€4.84M▲
Furniture and vehicles24€35k€22k▼
Other tangible fixed assets26€74k€163k▲
Assets under construction and advance payments27€160k-
Current assets29/58€6k€680k▲
Amounts receivable within one year40/41-€90k
Trade receivables40-€90k
Other amounts receivable41-€491
Cash at bank and in hand54/58€5k€586k▲
Deferred charges and accrued income490/1€600€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.88M€5.71M▲
Equity10/15€359k€2.35M▲
Contributions10/11€1.00M€3.50M▲
Profit (loss) carried forward14€-641k€-1.15M▼
Amounts payable17/49€2.52M€3.36M▲
Amounts payable after more than one year17€637k€538k▼
Financial debts170/4€637k€538k▼
Amounts payable within one year42/48€1.88M€2.82M▲
Current portion of amounts payable after more than one year42€98k€99k▲
Trade debts44€5k€106k▲
Suppliers440/4€5k€106k▲
Taxes, remuneration and social security45€128€141▲
Taxes450/3€128€141▲
Other amounts payable47/48€1.78M€2.62M▲
Accrued charges and deferred income492/3€107-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€111k€451k▲
Other operating charges640/8€9k€12k▲
Gross operating margin9900€6k€-43k▼
Operating profit (loss)9901€-114k€-505k▼
Financial charges65/66B€39k€8k▼
Recurring financial charges65€39k€8k▼
Profit (loss) for the period before taxes9903€-153k€-513k▼
Income taxes67/77€105€141▲
Profit (loss) for the period9904€-153k€-513k▼
Profit (loss) for the period to be appropriated9905€-153k€-513k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-641k€-1.15M▼
Profit (loss) brought forward from the previous period14P€-488k€-641k▼
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-513k
Net result drops to €-513k, the lowest in the series.
31-12
Financial
Equity above €2MEq €2.35M ▲554%
Equity rises from €359k to €2.35M.
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.
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
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.
Waterloosesteenweg 11391180 UkkelGround 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.
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
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.
Similar companies · same sector, comparable size
POSTSITE AALST
BE 0811.808.638
Antwerpen · Eq €2.32M
Pierre Nothomb
BE 0741.507.095
Brussel · Eq €2.29M
Dell
BE 0421.100.754
Brugge · Eq €2.20M
CHEVROTINE
BE 1014.913.275
Vorst · Eq €2.18M
Vintners
BE 1010.811.660
Antwerpen · Eq €2.60M
Of 591 companies in sector 66300 we hold annual accounts for 365. 172 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.