Equity
-€41,207
Debts exceed assets in financial year 2025.
FASE 3
Lifetime
9 annual accounts with figures on one time axispeak €8,602 (2022)
€7,259▲ 424%
lowest -€24,451 (2023)
-€4,753▲ €12,427
peak €5,871 (2017)
-€41,207▼ €4,753
€72,871▲ 3.6%
Board13 names since 2021all names
4 directorsJ&L17 and 3 others
Owners
33%Groep VE
Documentsfilings and deeds
15-07-202616 days before the deadline
2025abbreviated format
Gross margin from €1,384 to €7,259Loss of €4,753Equity from -€36,454 to -€41,207Cash from €12,680 to €5,517
Key points
from the 2025 annual accountsLosses
-€131,207 in nine years
Every financial year from 2017 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €50,000 estimated
The accounts state no turnover.
Debts
€72,871 230% of the balance sheet
Financial debts 82%Suppliers 14%Taxes and wages 2%Other 1%
Of this, €12,871 falls due within a year.
Filings
9 annual accounts since 2017
The last five annual accounts were filed 13 to 46 days before the end of the period.
Position in the sector
-130.1%
Lower solvency than 94% of companies in computer programming and consultancy. Sector median 46.4% · 3,405 companies.
Checked score
53
Fair
Financially stronger than 20% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%
01-2025: 1.4%▲ +0.1 percentage points vs 12-2024highest value
02-2025: 1.4%● unchanged vs 01-2025highest value
03-2025: 1.3%▼ -0.1 percentage points vs 02-2025
04-2025: 1.3%● unchanged vs 03-2025
05-2025: 1.2%▼ -0.1 percentage points vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025
07-2025: 1.3%▲ +0.1 percentage points vs 06-2025
08-2025: 1.2%▼ -0.1 percentage points vs 07-2025
09-2025: 1.2%● unchanged vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 1.2%● unchanged vs 10-2025
12-2025: 1.2%● unchanged vs 11-2025
01-2026: 1.2%● unchanged vs 12-2025
02-2026: 1.2%● unchanged vs 01-2026
03-2026: 1.2%● unchanged vs 02-2026
04-2026: 1.2%● unchanged vs 03-2026
05-2026: 1.1%▼ -0.1 percentage points vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 1.1%● unchanged vs 06-2026
08-2026: 1.1%● unchanged vs 07-2026
09-2026: 1.1%● unchanged vs 08-2026
10-2026: 0.3%▼ -0.8 percentage points vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€41,207
Loss of €4,753, the second in a row (financial year 2025)
lowers risk
Size: total assets €31,664
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 3% of them on solvency, 34% on liquidity, 16% on profitability and 29% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as FASE 3 has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FASE 3 itself is lower: 0.3% within 12 months. It rests on far more data about FASE 3 than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for FASE 3. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is ample, with a current ratio of 1.73 (2.06 in 2024), above the usual 1.5. Short-term debt is 40.6% and cash 17.4% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€41,207
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 15-07-2026, 16 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
16 days early
2024
13 days early
2023
27 days early
2022
46 days early
2021
45 days early
2020
37 days early
2019
43 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 32 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
2 directors appointed, 3 resignations
Resignations: Bart Verduyn, Jyrki Leysen and Groep VE BV (day-to-day manager) · Permanent representatives: Kristof Van Echelpoel and Jyrki Leysen · Appointments: LVE13 BV and J&L17 BV · General meeting of 08-12-2025 · Gazette deed
1 director appointed, 2 resignations
Resignations: Bart Verduyn (managing director) and Kristof Van Echelpoel · Appointment: Groep VE (managing director) · Permanent representative: Kristof Van Echelpoel · Board meeting of 02-02-2024 · Gazette deed
Registered office moved from Zwalm to Lille
New registered office: Poederleese weg 20 te 2275 Lille · Previous registered office: Oudenweg 42 te 9630 Zwalm · Resignations: Bart Verduyn (managing director) and Anne-Mie Vansteelant (director) · General meeting of 04-04-2024 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0662437348
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FASE 3 Lille | €31,664 | €7,259 | -130.1% | - |
| EMALI Blegny | €31,334 | €7,063 | 83.8% | - |
| Raes Solutions Antwerp | €27,365 | €6,076 | 68.0% | - |
| RUKE Technologies Schilde | €38,651 | €9,007 | 89.4% | - |
| Jumbot Liège | €32,892 | €7,311 | 98.8% | - |
| 5Consult La Bruyère | €31,971 | €8,566 | 27.5% | - |
| Badsender.com Schaerbeek | €30,731 | €8,470 | 71.4% | - |
These companies have the same main activity as FASE 3: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €27,400 and €38,700, founded between 2014 and 2018.
Official details
Source: KBO- Status
- Active since 08-09-2016Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.256.794.5752275 Lille, since 08-09-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 28-08-2023
Annual accounts 2025
- €31,664▼ 6.6%
- Filing
- Filed on 15-07-2026, 16 days before the end of the filing period
Insights on FASE 3
FASE 3 files the abbreviated format. That format states no turnover. The gross margin rose from -€11,482 in 2017 to €7,259 in 2025.
Groep VE holds all the shares. In 2024, three directors stepped down. In October 2024, the Official Gazette published the appointment of Groep VE as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FASE 3
- What is the company number of FASE 3?
- The company number of FASE 3 is 0662.437.348. The VAT number is the same number with BE in front: BE 0662.437.348.
- Where is FASE 3 based?
- The registered office is at Poederleese weg 20, 2275 Lille.Company details
- What does FASE 3 do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of FASE 3?
- FASE 3 is a private limited company (BV).
- When was FASE 3 founded?
- FASE 3 was founded on 08-09-2016.
- Is FASE 3 still active?
- Yes, FASE 3 is an active enterprise in the KBO register.
- What is the turnover of FASE 3?
- The turnover in financial year 2025 is ≈ €50,000. This figure is estimated from the gross margin of €7,259 and 44 comparable companies (NACE 62200). It probably lies between €23,000 and €160,000. It is a rough estimate.Financials
- Is FASE 3 profitable?
- In financial year 2025, FASE 3 made a loss of €4,753.
- Where can I find the annual accounts of FASE 3?
- FASE 3 filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FASE 3 due?
- FASE 3 must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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