Summary
DVV 3 FRONTIERES 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 €332k and a net result of €55k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 42% of 2435 sector peers (fiscal year 2025). The company has been active since 2001 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 check for your own amount and term
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 01-04-2026, 121 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
121 d early
2024
149 d early
2023
149 d early
2022
133 d early
2021
34 d early
2020
26 d early
2019
31 d early
← 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
€332k▲ 12.9%
2024 · €294k
2018: €148k
2019: €156k
2020: €154k
2021: €187k
2022: €198k
2023: €242k
2024: €294k
2018 → 2025
Net result
€55k▼ 9.6%
2024 · €61k
2018: €21k
2019: €8k
2020: €18k
2021: €53k
2022: €32k
2023: €64k
2024: €61k
2018 → 2025
Total assets
€810k▼ 10.0%
2024 · €899k
2018: €781k
2019: €722k
2020: €620k
2021: €550k
2022: €743k
2023: €677k
2024: €899k
2018 → 2025
Solvency
41.0%▲ 8.3pp
2024 · 32.7%
2018: 19.0%
2019: 21.7%
2020: 24.9%
2021: 33.9%
2022: 26.7%
2023: 35.8%
2024: 32.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€187k-€198k▲ 6.3%€242k▲ 22.0%€294k▲ 21.6%€332k▲ 12.9%
Operating result€83k-€55k▼ 34.5%€105k▲ 91.2%€101k▼ 3.0%€95k▼ 6.5%
Net result€53k-€32k▼ 39.6%€64k▲ 101%€61k▼ 4.8%€55k▼ 9.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €810k
Fixed assets
€744k ▼ 13.4%
Current assets
€66k ▲ 62.9%
Equity and liabilities €810k
Equity
€332k ▲ 12.9%
Debt
€477k ▼ 21.1%
Debt's share of the balance-sheet total falls from 67.3% to 59.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
16.5%▼
2024 · 20.6%
ROA
6.8%▲
2024 · 6.7%
Debt ≤ 1 year
€158k▼
2024 · €224k
Debt > 1 year
€317k▼
2024 · €378k
Income taxes
€25k▼
2024 · €31k
Staff costs
€276k▲
2024 · €247k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€899k€810k▼
Fixed assets21/28€859k€744k▼
Intangible fixed assets21€481k€377k▼
Tangible fixed assets22/27€377k€366k▼
Land and buildings22€314k€305k▼
Furniture and vehicles24€11k€16k▲
Other tangible fixed assets26€51k€45k▼
Financial fixed assets28€988€988=
Current assets29/58€40k€66k▲
Amounts receivable within one year40/41€35k€38k▲
Other amounts receivable41€35k€38k▲
Cash at bank and in hand54/58€73€20k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€899k€810k▼
Equity10/15€294k€332k▲
Contributions10/11€25k€25k=
Reserves13€206k€243k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€204k€241k▲
Profit (loss) carried forward14€63k€64k▲
Amounts payable17/49€605k€477k▼
Amounts payable after more than one year17€378k€317k▼
Financial debts170/4€378k€317k▼
Amounts payable within one year42/48€224k€158k▼
Current portion of amounts payable after more than one year42€93k€67k▼
Financial debts43€34k€21k▼
Credit institutions430/8€34k€21k▼
Trade debts44€30k€22k▼
Suppliers440/4€30k€22k▼
Taxes, remuneration and social security45€59k€40k▼
Taxes450/3€23k€10k▼
Remuneration and social security454/9€36k€30k▼
Other amounts payable47/48€8k€8k▼
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€247k€276k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90k€131k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€24k€25k▲
Gross operating margin9900€467k€531k▲
Operating profit (loss)9901€101k€95k▼
Financial income75/76B-€19
Recurring financial income75-€19
Financial charges65/66B€9k€15k▲
Recurring financial charges65€9k€15k▲
Profit (loss) for the period before taxes9903€92k€80k▼
Income taxes67/77€31k€25k▼
Profit (loss) for the period9904€61k€55k▼
Profit (loss) for the period to be appropriated9905€61k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€124k€118k▼
Profit (loss) brought forward from the previous period14P€63k€63k▲
Transfer from equity791/2€8k€17k▲
Transfer to equity691/2€61k€54k▼
To other reserves6921€61k€54k▼
Profit to be distributed694/7€8k€17k▲
Return on contributions (dividend)694€8k€17k▲
The notes to these accounts (13 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €64k ▲101%
Operating result €105k, net result €64k, both a record.
31-12
Financial
Equity above €200kEq €242k ▲22%
6 profitable years in a row build equity to €242k.
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €8k ▼60.3%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €156k ▲5.7%
2 profitable years in a row build equity to €156k.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
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.
Directors · office · real estate
Directors
4 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, Welkenraedt · 4 establishment units since 2002
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.
Voie de Liège 814840 WelkenraedtGround area
1,909 m²
Building footprint
243 m²
Volume, LiDAR
918 m³
2 parcels, Wallonia · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
DVV 3 FRONTIERES SRL
since 20022.094.631.856
LES AP 2000 DVV
since 20182.279.879.387
DVV 3 FRONTIERES SRL
since 20262.389.952.910
DVV 3 FRONTIERES SRL
since 20262.393.800.345
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63084C0086/00L002 | Wallonia | 1,319 m² | 1 · 135 m² | 10.2 m · 2 fl. |
| 63041A0223/00B002 | Wallonia | 590 m² | 1 · 108 m² | - |
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
L&W Invest
BE 0764.383.952
Retie · Eq €332,281
OBLISAFE
BE 0441.654.955
Heist-op-den-Berg · Eq €332,244
IMMO DOUWES
BE 0426.520.282
Bonheiden · Eq €332,193
Nauwelaerts&Partners
BE 0545.770.993
Duffel · Eq €332,185
ASSURTRADE
BE 0894.472.533
Libramont-Chevigny · Eq €331,548
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,732 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
Founded20-06-2001
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.