Epsilon 3 is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €24k and a net result of €105k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 16% of 9864 sector peers (fiscal year 2024). The company has been active since 2014 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
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 9864 sector peers (2024).
NBB · sector comparisonPosition among 9864 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
23 d early
2022
11 d early
2021
6 d early
2020
38 d early
2019
115 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€24k▲ 3.1%
2023 · €23k
2018: €21k
2019: €22k
2020: €22k
2021: €23k
2022: €23k
2023: €23k
2018 → 2024
Net result
€105k▼ 5.9%
2023 · €111k
2018: €132k
2019: €129k
2020: €61k
2021: €68k
2022: €21k
2023: €111k
2018 → 2024
Total assets
€202k▲ 10.8%
2023 · €183k
2018: €299k
2019: €200k
2020: €125k
2021: €129k
2022: €74k
2023: €183k
2018 → 2024
Solvency
11.9%▼ 0.9pp
2023 · 12.8%
2018: 7.1%
2019: 10.8%
2020: 17.9%
2021: 17.5%
2022: 31.0%
2023: 12.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€22k-€23k▲ 1.0%€23k▲ 1.8%€23k▲ 1.3%€24k▲ 3.1%
Operating result€80k-€90k▲ 12.3%€31k▼ 65.6%€147k▲ 376%€134k▼ 8.3%
Net result€61k-€68k▲ 11.4%€21k▼ 68.4%€111k▲ 420%€105k▼ 5.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 8% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €202k
Fixed assets
€37k▼ 23.2%
Current assets
€165k▲ 23.2%
Equity and liabilities €202k
Equity
€24k▲ 3.1%
Debt
€178k▲ 11.9%
The debt ratio rises from 87.2% to 88.1%. Equity and debt are higher.
Key figures and ratios
Solvency
11.9%▼
2023 · 12.8%
ROE
436.0%▼
2023 · 477.9%
ROA
51.8%▼
2023 · 60.9%
Debt
€178k▲
2023 · €159k
Debt ≤ 1 year
€178k▲
2023 · €159k
Income taxes
€36k▲
2023 · €35k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€183k€202k▲
Fixed assets21/28€49k€37k▼
Tangible fixed assets22/27€49k€37k▼
Furniture and vehicles24€49k€37k▼
Current assets29/58€134k€165k▲
Amounts receivable within one year40/41€0€137k▲
Trade receivables40€0-
Other amounts receivable41-€137k
Cash at bank and in hand54/58€131k€27k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€183k€202k▲
Equity10/15€23k€24k▲
Contributions10/11€19k€19k=
Reserves13€5k€5k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€5k€5k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€159k€178k▲
Amounts payable within one year42/48€159k€178k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€63k€73k▲
Taxes450/3€63k€73k▲
Remuneration and social security454/9€0€4▲
Other amounts payable47/48€95k€104k▲
Income statement
Code20232024
Non-recurring operating income76A€23k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€11k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€157k€149k▼
Operating profit (loss)9901€147k€134k▼
Financial income75/76B€0€7k▲
Recurring financial income75€0€7k▲
Financial charges65/66B€646€543▼
Recurring financial charges65€646€543▼
Profit (loss) for the period before taxes9903€146k€141k▼
Income taxes67/77€35k€36k▲
Profit (loss) for the period9904€111k€105k▼
Profit (loss) for the period to be appropriated9905€111k€105k▼
Appropriation of the result
Profit (loss) to be appropriated9906€111k€105k▼
Transfer to equity691/2€301€727▲
To other reserves6921€301€727▲
Profit to be distributed694/7€111k€104k▼
Return on contributions (dividend)694€111k€104k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €21k ▼68.4%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 1 day late
2016
07-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Grobbendonk · 1 establishment unit since 2014
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.
Droomland 102288 GrobbendonkGround area
2,650 m²
Building footprint
391 m²
Volume, LiDAR
1,132 m³
Parcel 13005A0057/00K003, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Epsilon 3
since 20142.235.663.225
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13005A0057/00K003 | Flanders | 2,650 m² | 1 · 391 m² | 10.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 8,065 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.