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GROEP 3

Active
Public limited companyfounded 200719 yrs activeJavanastraat 68, 3680 Maaseik, BelgiumKBO/BCE: BE 0890.377.252
Summary

GROEP 3 has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€8.1m) and a net result of -€3,198. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 5% of 4613 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
44 / 100
Weak
Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▲+1
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.32 against 0.32 in 2024; short-term debt: 12.4% and cash: 0% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-245.7%
Return on assets
-0.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 19 years 0 20 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€8.1m
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 filings
Deviation from the deadline
2025
28 d late
2024
13 d early
2023
12 d early
2022
143 d late
2021
31 d late
2020
94 d late
2019
119 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 56 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

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. Usually files around 28 August (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

GROEP 3 was incorporated on 20 June 2007.1 Total assets fell from EUR 6.7 million in 2018 to EUR 3.3 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€3,198▲ 87.6%
2024 · -€25,856
Working capital
-€276,750▼ 6.0%
2024 · -€261,120
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€19,444▼ 10.7%-€6,979▲ 64.1%-€4,318▲ 38.1%-€5,215▼ 20.8%-€785▲ 84.9%
Net result-€114,076below the sector's middle half-€368,177below the sector's middle half▼ 223%-€143,520below the sector's middle half▲ 61.0%-€25,856below the sector's middle half▲ 82.0%-€3,198within the sector's middle half▲ 87.6%
Equity-€7.5mbelow the sector's middle half▼ 1.5%-€7.9mbelow the sector's middle half▼ 4.9%-€8.0mbelow the sector's middle half▼ 1.8%-€8.1mbelow the sector's middle half▼ 0.3%-€8.1mbelow the sector's middle half=
Total assets€3.4mwithin the sector's middle half▼ 47.9%€3.3mwithin the sector's middle half▼ 3.5%€3.3mwithin the sector's middle half▲ 0.3%€3.3mwithin the sector's middle half=€3.3mwithin the sector's middle half▲ 0.2%
Debt€10.9m▼ 21.5%€11.2m▲ 2.3%€11.3m▲ 1.4%€11.3m▲ 0.2%€11.4m▲ 0.1%
Working capital-€176,884below the sector's middle half-€258,911below the sector's middle half▼ 46.4%-€261,980below the sector's middle half▼ 1.2%-€261,120below the sector's middle half▲ 0.3%-€276,750within the sector's middle half▼ 6.0%
Solvency-222.3%below the sector's middle half▼ 108.1pp-241.7%below the sector's middle half▼ 19.4pp-245.3%below the sector's middle half▼ 3.6pp-246.0%below the sector's middle half▼ 0.7pp-245.7%below the sector's middle half▲ 0.3pp
Current ratio0.54within the sector's middle half▼ 8.120.33below the sector's middle half▼ 0.210.32below the sector's middle half▼ 0.010.32below the sector's middle half=0.32below the sector's middle half=
Return on assets (ROA)-3.4%below the sector's middle half▼ 4.6pp-11.3%below the sector's middle half▼ 7.9pp-4.4%below the sector's middle half▲ 6.9pp-0.8%within the sector's middle half▲ 3.6pp-0.1%within the sector's middle half▲ 0.7pp
above within below the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€400,000-€300,000-€200,000-€100,000€0Operating result 2021: -€19,444-€19,444Net result 2021: -€114,076-€114,076Operating result 2022: -€6,979-€6,979Net result 2022: -€368,177-€368,177Operating result 2023: -€4,318-€4,318Net result 2023: -€143,520-€143,520Operating result 2024: -€5,215-€5,215Net result 2024: -€25,856-€25,856Operating result 2025: -€785-€785Net result 2025: -€3,198-€3,19820212022202320242025-€150,000-€100,000-€50,000€0Operating result 2023: -€4,318-€4,320Net result 2023: -€143,520-€144,000Operating result 2024: -€5,215-€5,210Net result 2024: -€25,856-€25,900Operating result 2025: -€785-€785Net result 2025: -€3,198-€3,200202320242025
The operating result stays negative: a loss of €785 in 2025 against €5,215 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.3m
Fixed assets €3.2m ▼ 0.1%
Current assets €130,587 ▲ 6.3%
Key figures and ratios
2025 value · change against 2024
Debt to equity
-1.41=
2024 · -1.41
Debt ≤ 1 year
€407,337▲
2024 · €383,914
Debt > 1 year
€10.9m▼
2024 · €11.0m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet Code20242025
Assets
Total assets20/58€3.3m€3.3m▲
Fixed assets21/28€3.2m€3.2m▼
Tangible fixed assets22/27€131,844€131,844=
Other tangible fixed assets26€131,844€131,844=
Financial fixed assets28€3.0m€3.0m▼
Current assets29/58€122,794€130,587▲
Stocks and contracts in progress3€12,500-
Stocks30/36€12,500-
Amounts receivable within one year40/41€110,265€130,327▲
Trade receivables40€109,195€129,195▲
Other amounts receivable41€1,070€1,132▲
Cash at bank and in hand54/58€29€260▲
Equity and liabilities
Total equity and liabilities10/49€3.3m€3.3m▲
Equity10/15-€8.1m-€8.1m=
Contributions10/11€500,000€500,000=
Capital10€500,000€500,000=
Issued capital100€500,000€500,000=
Reserves13€260,826€260,826=
Distributable reserves133€260,826€260,826=
Profit (loss) carried forward14-€8.8m-€8.8m=
Amounts payable17/49€11.3m€11.4m▲
Amounts payable after more than one year17€11.0m€10.9m▼
Other amounts payable178/9€11.0m€10.9m▼
Amounts payable within one year42/48€383,914€407,337▲
Trade debts44€382,414€381,637▼
Suppliers440/4€382,414€381,637▼
Advances received on contracts in progress46-€24,200
Other amounts payable47/48€1,500€1,500=
Income statement Code20242025
Other operating charges640/8€1,130€1,060▼
Gross operating margin9900-€4,085€275▲
Operating profit (loss)9901-€5,215-€785▲
Financial charges65/66B€20,641€2,413▼
Recurring financial charges65€13,016€254▼
Non-recurring financial charges66B€7,625€2,159▼
Profit (loss) for the period before taxes9903-€25,856-€3,198▲
Profit (loss) for the period9904-€25,856-€3,198▲
Profit (loss) for the period to be appropriated9905-€25,856-€3,198▲
Appropriation of the result
Profit (loss) to be appropriated9906-€8.8m-€8.8m=
Profit (loss) brought forward from the previous period14P-€8.8m-€8.8m▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8€1,051€1,030€1,122€1,130€1,060▼ 6.1%
Gross operating margin9900-€18,393-€5,949-€3,196-€4,085€275▲ 107%
Operating profit (loss)9901-€19,444-€6,979-€4,318-€5,215-€785▲ 84.9%
Financial income75/76B€87-----
Recurring financial income75€87-----
Non-recurring financial income76B€87-----
Financial charges65/66B€94,719€361,198€139,202€20,641€2,413▼ 88.3%
Recurring financial charges65€79,802€76,726€77,876€13,016€254▼ 98.0%
Non-recurring financial charges66B€14,917€284,472€61,326€7,625€2,159▼ 71.7%
Profit (loss) for the period before taxes9903-€114,076-€368,177-€143,520-€25,856-€3,198▲ 87.6%
Profit (loss) for the period9904-€114,076-€368,177-€143,520-€25,856-€3,198▲ 87.6%
Profit (loss) for the period to be appropriated9905-€114,076-€368,177-€143,520-€25,856-€3,198▲ 87.6%
Line20212022202320242025Change
Assets
Total assets20/58€3.4m€3.3m€3.3m€3.3m€3.3m▲ 0.2%
Fixed assets21/28€3.2m€3.1m€3.2m€3.2m€3.2m▼ 0.1%
Tangible fixed assets22/27€46,676€131,844€131,844€131,844€131,844=
Land and buildings22€46,676€131,844€131,844---
Other tangible fixed assets26---€131,844€131,844=
Financial fixed assets28€3.1m€3.0m€3.0m€3.0m€3.0m▼ 0.1%
Current assets29/58€208,539€125,313€123,020€122,794€130,587▲ 6.3%
Stocks and contracts in progress3€97,668€12,500€12,500€12,500--
Stocks30/36€97,668€12,500€12,500€12,500--
Amounts receivable within one year40/41€110,265€110,265€110,265€110,265€130,327▲ 18.2%
Trade receivables40€109,195€109,195€109,195€109,195€129,195▲ 18.3%
Other amounts receivable41€1,070€1,070€1,070€1,070€1,132▲ 5.8%
Cash at bank and in hand54/58€606€2,549€256€29€260▲ 793%
Equity and liabilities
Total equity and liabilities10/49€3.4m€3.3m€3.3m€3.3m€3.3m▲ 0.2%
Equity10/15-€7.5m-€7.9m-€8.0m-€8.1m-€8.1m=
Contributions10/11€500,000€500,000€500,000€500,000€500,000=
Capital10€500,000€500,000€500,000€500,000€500,000=
Issued capital100€500,000€500,000€500,000€500,000€500,000=
Reserves13€260,826€260,826€260,826€260,826€260,826=
Distributable reserves133€260,826€260,826€260,826€260,826€260,826=
Profit (loss) carried forward14-€8.3m-€8.7m-€8.8m-€8.8m-€8.8m=
Amounts payable17/49€10.9m€11.2m€11.3m€11.3m€11.4m▲ 0.1%
Amounts payable after more than one year17€10.5m€10.8m€10.9m€11.0m€10.9m▼ 0.1%
Financial debts170/4€8.7m€8.7m----
Other amounts payable178/9€1.8m€2.1m€10.9m€11.0m€10.9m▼ 0.1%
Amounts payable within one year42/48€385,423€384,225€385,001€383,914€407,337▲ 6.1%
Trade debts44€383,923€382,725€383,501€382,414€381,637▼ 0.2%
Suppliers440/4€383,923€382,725€383,501€382,414€381,637▼ 0.2%
Advances received on contracts in progress46----€24,200-
Other amounts payable47/48€1,500€1,500€1,500€1,500€1,500=
Line20212022202320242025Change
Profit (loss) for the period9904-€114,076-€368,177-€143,520-€25,856-€3,198▲ 87.6%
Operating cash flow (approximation)-€114,076-€368,177-€143,520-€25,856-€3,198▲ 87.6%
Investment in fixed assets (approximation)-€36,863-€13,386-€757€2,159▲ 385%
Change in cash-€1,943-€2,293-€227€231▲ 202%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
18-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-12
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 143 days late
2022
31-08
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
02-11
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 94 days late
2020
31-12
Financial Back to profitnet €81,403
Net result €81,403 after 2 loss-making years.
27-11
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 119 days late
2019
20-12
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 142 days late
2018
24-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
5 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, Maaseik · 1 establishment unit since 2011
seat establishment approximate The establishment unit on the map
Ground area
8,555 m²
Parcel 72021B0327/00B000, Flanders. Linked by address, not a title deed.
1 establishment unit
GROEP 3
Javanastraat 68, 3680 MaaseikActivities auxiliary to financial services and insurance activities
since 20112.229.831.644
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72021B0327/00B000 Flanders 8,555 m² - -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner · 2 holdings

Chain of control

  1. ALDENEIK 100%
  2. GROEP 3

Highest known parent: ALDENEIK. The sources do not say who stands above it.

Owners 1

Holdings 2

According to the 2025 annual accounts of GROEP 3 and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Recognitions · licences · registrations

Legal Entity Identifier

5493000GXCFBLKUH2548
no longer live in the LEI register

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 9,698 companies in sector 68121 we hold annual accounts for 7,393. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded20-06-2007
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
E-invoicing
Reachable via Peppol
Peppol ID 0208:0890377252
Also 9925:BE0890377252
Registered 20-08-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

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