De Drie Koningen
ActiveDe Drie Koningen has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €257k and a net result of €53k. Equity is shrinking by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 1285 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency5▲+1
Growth58=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.02 in 2024), and 92.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
7.9%
Return on assets
1.6%
Age of the figures
11 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-05-2026, 11 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 · 10 filingsDeviation from the deadline
2025
11 d late
2024
15 d late
2023
43 d early
2022
2 d late
2021
on the day
2020
31 d late
2019
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€257k▲ 26.1%
2024 · €204k
2018: €1.44M
2019: €1.35M
2020: €1.25M
2021: €1.22M
2022: €1.62M
2023: €1.72M
2024: €204k
2018 → 2025
Total assets
€3.23M▼ 2.0%
2024 · €3.30M
2018: €2.88M
2019: €2.75M
2020: €2.57M
2021: €2.45M
2022: €2.80M
2023: €2.86M
2024: €3.30M
2018 → 2025
Net result
€53k▲ 23.3%
2024 · €43k
2018: €-108k
2019: €-85k
2020: €-100k
2021: €-35k
2022: €406k
2023: €100k
2024: €43k
2018 → 2025
Working capital
€-1.27M▲ 5.2%
2024 · €-1.34M
2018: €-187k
2019: €-282k
2020: €-151k
2021: €-220k
2022: €-91k
2023: €-114k
2024: €-1.34M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.22M-€1.62M▲ 33.3%€1.72M▲ 6.2%€204k▼ 88.2%€257k▲ 26.1%
Operating result€-12k-€437k€169k▼ 61.3%€118k▼ 30.4%€183k▲ 55.6%
Net result€-35k-€406k€100k▼ 75.3%€43k▼ 57.0%€53k▲ 23.3%
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 2025; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.23M
Fixed assets
€3.19M▼ 2.5%
Current assets
€41k▲ 57.1%
Equity and liabilities €3.23M
Equity
€257k▲ 26.1%
Debt
€2.98M▼ 3.8%
The debt ratio falls from 93.8% to 92.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€389k▲
2024 · €285k
Cash flow
€258k▲
2024 · €210k
Solvency
7.9%▲
2024 · 6.2%
Current ratio
0.03▲
2024 · 0.02
Quick ratio
0.03▲
2024 · 0.02
Debt / equity
11.59▼
2024 · 15.19
ROE
20.7%▼
2024 · 21.1%
ROA
1.6%▲
2024 · 1.3%
Interest coverage
3.67▼
2024 · 5.06
Debt
€2.98M▼
2024 · €3.09M
Debt ≤ 1 year
€1.31M▼
2024 · €1.36M
Debt > 1 year
€1.64M▼
2024 · €1.71M
Income taxes
€24k▲
2024 · €19k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.30M€3.23M▼
Fixed assets21/28€3.27M€3.19M▼
Intangible fixed assets21€18k€9k▼
Tangible fixed assets22/27€3.25M€3.18M▼
Land and buildings22€3.05M€3.02M▼
Plant, machinery and equipment23€69k€63k▼
Furniture and vehicles24€134k€103k▼
Current assets29/58€26k€41k▲
Stocks and contracts in progress3€976€1k▲
Stocks30/36€976€1k▲
Amounts receivable within one year40/41€16k€4k▼
Trade receivables40€736€1k▲
Other amounts receivable41€15k€3k▼
Cash at bank and in hand54/58€244€26k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€3.30M€3.23M▼
Equity10/15€204k€257k▲
Contributions10/11€1€1=
Reserves13€204k€257k▲
Distributable reserves133€204k€257k▲
Amounts payable17/49€3.09M€2.98M▼
Amounts payable after more than one year17€1.71M€1.64M▼
Financial debts170/4€1.71M€1.64M▼
Amounts payable within one year42/48€1.36M€1.31M▼
Current portion of amounts payable after more than one year42€114k€132k▲
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€24k€13k▼
Suppliers440/4€24k€13k▼
Taxes, remuneration and social security45€15k€20k▲
Taxes450/3€15k€20k▲
Other amounts payable47/48€1.21M€1.14M▼
Accrued charges and deferred income492/3€23k€34k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€167k€205k▲
Other operating charges640/8€74k€20k▼
Gross operating margin9900€359k€409k▲
Operating profit (loss)9901€118k€183k▲
Financial income75/76B€333€76▼
Recurring financial income75€333€76▼
Financial charges65/66B€56k€106k▲
Recurring financial charges65€56k€106k▲
Profit (loss) for the period before taxes9903€62k€77k▲
Income taxes67/77€19k€24k▲
Profit (loss) for the period9904€43k€53k▲
Profit (loss) for the period to be appropriated9905€43k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€53k▲
Transfer from equity791/2€2k-
Transfer to equity691/2€43k€53k▲
To other reserves6921€43k€53k▲
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (9 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
30-09
Financial
Back to profitnet €406k
Net result €406k after 4 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2016
26-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Lore Dufour
CurrentDirector · since 21-05-2024
21-05-2024
Appointed as Director
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2001
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.
Twijnstraat 158000 BruggeGround area
574 m²
Building footprint
402 m²
Volume, LiDAR
3,930 m³
2 parcels, Flanders · tallest building 15.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DE DRIE KONINGEN
since 20012.101.421.262
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31005A0808/00D000 | Flanders | 401 m² | 1 · 246 m² | 13.2 m · 3 fl. |
| 31005A0810/00N000 | Flanders | 172 m² | 1 · 156 m² | 15.4 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.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.101.421.262
Similar companies · same sector, comparable size
DOMAINE DU CHARNIAT
BE 0762.968.841
Thuin · Eq €254k
KUYPERS FILIP & CO
BE 0870.335.171
Maasmechelen · Eq €252k
CHAT BOTTE
BE 0454.212.101
De Haan · Eq €252k
RELAX AM SEE
BE 0452.216.473
Bütgenbach · Eq €251k
KOLLINE
BE 0678.531.331
Waterloo · Eq €263k
Of 2,995 companies in sector 55203 we hold annual accounts for 687. 485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2001
Fiscal year end30-09
Abbreviation NL
DDK
Activities, NACEBEL
55203Holiday cottages, homes and apartments
55232
80421
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.