CUB3

Active

Private limited companyfounded 20233 yrs activeVieux Chemin de Nivelles 134, 1440 Braine-le-Château, BelgiumKBO/BCE: BE 0805.634.983

Summary

CUB3 has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €298k and a net result of €296k. Its solvency ranks better than 54% of 2015 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysis Watch Report Compare

CUB3ActiveChecked score 81/100

Risk analysis Report Compare

Checked score

Score 2025

81 / 100

Excellent

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency76▲+13

Growth78

Track record94

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €24k at 30 days acceptable

Liquidity ample (current ratio 2.05 against 1.61 in 2024; short-term debt: 48.7% and cash: 67.8% of total assets), and 48.8% of the assets are financed with debt.

Credit check for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 71

Relative position

BE, all sectors

reference

Architectural and engineering activities; technical testing and analysis (NACE 71)

about 56% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

51.2%

Return on assets

50.9%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 2 filings

Deviation from the deadline

2025

25 d late

2024

25 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

25-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€296k▲ 109%

2024 · €142k

2024: €142k 2025: €296k▲ +109% vs 2024

2024 → 2025

Working capital

€298k▲ 96.7%

2024 · €152k

2024: €152k 2025: €298k▲ +96.7% vs 2024

2024 → 2025

Trend over the years

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€152k-€298k▲ 96.6% 2024: €152k 2025: €298k▲ +96.6% vs 2024

Operating result€192k-€394k▲ 105% 2024: €192k 2025: €394k▲ +105% vs 2024

Net result€142k-€296k▲ 109% 2024: €142k 2025: €296k▲ +109% vs 2024

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 105% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €582k

51.2%

48.8%

Equity €298k ▲ 96.6%

Debt €284k ▲ 13.5%

Debt's share of the balance-sheet total falls from 62.3% to 48.8%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€394k▲

2024 · €194k

Cash flow

€296k▲

2024 · €143k

Current ratio

2.05▲

2024 · 1.61

Debt to equity

0.95▼

2024 · 1.65

ROE

99.4%▲

2024 · 93.4%

ROA

50.9%▲

2024 · 35.3%

Interest coverage

437.68▲

2024 · 56.38

Debt ≤ 1 year

€284k▲

2024 · €250k

Income taxes

€99k▲

2024 · €47k

Staff costs

€5k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

As filed By statement

Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines

Balance sheet Code20242025

Assets

Total assets20/58€402k€582k▲

Current assets29/58€402k€582k▲

Amounts receivable within one year40/41€195k€177k▼

Trade receivables40€195k€173k▼

Other amounts receivable41-€5k

Cash at bank and in hand54/58€198k€395k▲

Deferred charges and accrued income490/1€9k€11k▲

Equity and liabilities

Total equity and liabilities10/49€402k€582k▲

Equity10/15€152k€298k▲

Contributions10/11€50k€50k=

Reserves13-€42k

Tax-exempt reserves132-€42k

Profit (loss) carried forward14€102k€206k▲

Amounts payable17/49€250k€284k▲

Amounts payable within one year42/48€250k€284k▲

Current portion of amounts payable after more than one year42€53k€0▼

Trade debts44€102k€132k▲

Suppliers440/4€102k€132k▲

Taxes, remuneration and social security45€55k€2k▼

Taxes450/3€55k€1k▼

Remuneration and social security454/9-€728

Other amounts payable47/48€40k€150k▲

Accrued charges and deferred income492/3-€233

Income statement Code20242025

Remuneration, social security and pensions62-€5k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€0▼

Gross operating margin9900€194k€399k▲

Operating profit (loss)9901€192k€394k▲

Financial income75/76B€3€2k▲

Recurring financial income75€3€2k▲

Financial charges65/66B€3k€901▼

Recurring financial charges65€3k€901▼

Profit (loss) for the period before taxes9903€189k€396k▲

Income taxes67/77€47k€99k▲

Profit (loss) for the period9904€142k€296k▲

Transfer to tax-exempt reserves689-€42k

Profit (loss) for the period to be appropriated9905€142k€254k▲

Appropriation of the result

Profit (loss) to be appropriated9906€142k€356k▲

Profit (loss) brought forward from the previous period14P-€102k

Profit to be distributed694/7€40k€150k▲

Return on contributions (dividend)694€40k€150k▲

Social balance

Average headcount (FTE)90870.00.5▲

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement

Income statement Balance sheet Cash flow

Line	2024	2025	Change
Remuneration, social security and pensions62	-	€5k	-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€1k	€0	▼ 100%
Gross operating margin9900	€194k	€399k	▲ 106%
Operating profit (loss)9901	€192k	€394k	▲ 105%
Financial income75/76B	€3	€2k	▲ 70,239%
Recurring financial income75	€3	€2k	▲ 70,239%
Financial charges65/66B	€3k	€901	▼ 73.8%
Recurring financial charges65	€3k	€901	▼ 73.8%
Profit (loss) for the period before taxes9903	€189k	€396k	▲ 109%
Income taxes67/77	€47k	€99k	▲ 109%
Profit (loss) for the period9904	€142k	€296k	▲ 109%
Transfer to tax-exempt reserves689	-	€42k	-
Profit (loss) for the period to be appropriated9905	€142k	€254k	▲ 79.5%

Line	2024	2025	Change
Assets
Total assets20/58	€402k	€582k	▲ 44.9%
Current assets29/58	€402k	€582k	▲ 44.9%
Amounts receivable within one year40/41	€195k	€177k	▼ 9.1%
Trade receivables40	€195k	€173k	▼ 11.4%
Other amounts receivable41	-	€5k	-
Cash at bank and in hand54/58	€198k	€395k	▲ 99.6%
Deferred charges and accrued income490/1	€9k	€11k	▲ 12.9%
Equity and liabilities
Total equity and liabilities10/49	€402k	€582k	▲ 44.9%
Equity10/15	€152k	€298k	▲ 96.6%
Contributions10/11	€50k	€50k	=
Reserves13	-	€42k	-
Tax-exempt reserves132	-	€42k	-
Profit (loss) carried forward14	€102k	€206k	▲ 103%
Amounts payable17/49	€250k	€284k	▲ 13.5%
Amounts payable within one year42/48	€250k	€284k	▲ 13.4%
Current portion of amounts payable after more than one year42	€53k	€0	▼ 100%
Trade debts44	€102k	€132k	▲ 29.3%
Suppliers440/4	€102k	€132k	▲ 29.3%
Taxes, remuneration and social security45	€55k	€2k	▼ 96.7%
Taxes450/3	€55k	€1k	▼ 98.0%
Remuneration and social security454/9	-	€728	-
Other amounts payable47/48	€40k	€150k	▲ 275%
Accrued charges and deferred income492/3	-	€233	-

Line	2024	2025	Change
Profit (loss) for the period9904	€142k	€296k	▲ 109%
+ Depreciation and write-downs630	€1k	€0	▼ 100%
Operating cash flow (approximation)	€143k	€296k	▲ 107%
Change in cash	-	€197k	-

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

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

25-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 25 days late

2025

31-12

Financial Equity above €200kEq €298k ▲96.6%

2 profitable years in a row build equity to €298k.

25-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 25 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 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

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, Braine-le-Château · 2 establishment units since 2023

seat establishment All 2 establishment units on the map

Ground area

8,463 m²

Building footprint

1,078 m²

Volume, LiDAR

31,884 m³

2 parcels, Brussels, Wallonia · tallest building 37.2 m, ±11 floors. Linked by address, not a title deed.

4 companies at this address See who is registered here

2 establishment units

CUB3

Terhulpsesteenweg 181, 1170 Watermaal-BosvoordeSpecialised construction activities

since 20232.349.275.365

CUB3

Vieux Chemin de Nivelles 134, 1440 Braine-le-ChâteauSpecialised construction activities

since 20232.349.275.464

2 parcels

Wallonia 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21652E0041/00D002 ProtectedSite or landscapeBoom: Rode beukSource ↗	Brussels	7,508 m²	1 · 1,001 m²	37.2 m · 11 fl.
25015C0225/00E000	Wallonia	954 m²	1 · 78 m²	7.3 m · 2 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.

1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Similar companies · same sector, comparable size

Dobbs Concept

BE 0728.612.827

Keerbergen · Eq €297k

Brasschaat · Eq €300k

Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 874 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

Founded08-09-2023

Fiscal year end31-12

Activities, NACEBEL 2025

71112Activities of interior architects

71121Engineering and related technical consultancy, excluding land surveyors

41003General construction of other non-residential buildings

70200Business and other management consultancy

Scores and ratios are computed by Checked and are not a credit decision.