GROUPE 3D
ActiveGROUPE 3D 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 €4.84M and a net result of €407k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 59% of 782 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2024 was due by 30-06-2025 and was filed on 26-05-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
51 d late
2022
on the day
2021
29 d late
2020
56 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€4.84M▼ 0.3%
2023 · €4.85M
2018: €3.70M
2019: €3.87M
2020: €4.00M
2021: €4.30M
2022: €4.41M
2023: €4.85M
2018 → 2024
Net result
€407k▼ 8.1%
2023 · €443k
2018: €142k
2019: €169k
2020: €273k
2021: €501k
2022: €311k
2023: €443k
2018 → 2024
Total assets
€10.09M▲ 10.9%
2023 · €9.10M
2018: €6.48M
2019: €6.60M
2020: €7.52M
2021: €8.96M
2022: €8.72M
2023: €9.10M
2018 → 2024
Solvency
48.0%▼ 5.4pp
2023 · 53.3%
2018: 57.1%
2019: 58.7%
2020: 53.1%
2021: 47.9%
2022: 50.5%
2023: 53.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€4.00M-€4.30M▲ 7.5%€4.41M▲ 2.6%€4.85M▲ 10.1%€4.84M▼ 0.3%
Operating result€458k-€741k▲ 61.7%€485k▼ 34.6%€406k▼ 16.2%€175k▼ 56.8%
Net result€273k-€501k▲ 83.3%€311k▼ 38.1%€443k▲ 42.7%€407k▼ 8.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 57% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €10.09M
Fixed assets
€7.55M▲ 10.2%
Current assets
€2.54M▲ 13.0%
Equity and liabilities €10.09M
Equity
€4.84M▼ 0.3%
Debt
€5.25M▲ 23.7%
The debt ratio rises from 46.7% to 52.0%: debt grows while equity shrinks.
Key figures and ratios
Solvency
48.0%▼
2023 · 53.3%
ROE
8.4%▼
2023 · 9.1%
ROA
4.0%▼
2023 · 4.9%
Debt
€5.25M▲
2023 · €4.25M
Debt ≤ 1 year
€4.14M▲
2023 · €3.02M
Debt > 1 year
€1.11M▼
2023 · €1.22M
Income taxes
€37k▼
2023 · €95k
Staff costs
€260k▲
2023 · €242k
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€9.10M€10.09M▲
Fixed assets21/28€6.85M€7.55M▲
Tangible fixed assets22/27€432k€570k▲
Land and buildings22€334k€310k▼
Plant, machinery and equipment23€51k€235k▲
Furniture and vehicles24€48k€25k▼
Financial fixed assets28€6.42M€6.98M▲
Current assets29/58€2.25M€2.54M▲
Amounts receivable after more than one year29€165€0▼
Trade receivables290€165€0▼
Amounts receivable within one year40/41€2.17M€1.98M▼
Other amounts receivable41€2.17M€1.98M▼
Cash at bank and in hand54/58€74k€560k▲
Deferred charges and accrued income490/1€392€1k▲
Equity and liabilities
Total equity and liabilities10/49€9.10M€10.09M▲
Equity10/15€4.85M€4.84M▼
Contributions10/11€618k€618k=
Capital10€618k€618k=
Issued capital100€618k€618k=
Revaluation surpluses12€2.53M€2.53M=
Reserves13€62k€62k=
Non-distributable reserves130/1€62k€62k=
Legal reserve130€62k€62k=
Profit (loss) carried forward14€1.65M€1.63M▼
Amounts payable17/49€4.25M€5.25M▲
Amounts payable after more than one year17€1.22M€1.11M▼
Financial debts170/4€1.22M€1.11M▼
Amounts payable within one year42/48€3.02M€4.14M▲
Current portion of amounts payable after more than one year42€480k€492k▲
Financial debts43€0€250k▲
Credit institutions430/8€0€250k▲
Trade debts44€11k€25k▲
Suppliers440/4€11k€25k▲
Taxes, remuneration and social security45€134k€78k▼
Taxes450/3€95k€36k▼
Remuneration and social security454/9€39k€42k▲
Other amounts payable47/48€2.39M€3.29M▲
Accrued charges and deferred income492/3€7k€1k▼
Income statement
Code20232024
Non-recurring operating income76A€0€9k▲
Remuneration, social security and pensions62€242k€260k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€61k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€698k€500k▼
Operating profit (loss)9901€406k€175k▼
Financial income75/76B€201k€321k▲
Recurring financial income75€201k€321k▲
Financial charges65/66B€68k€51k▼
Recurring financial charges65€68k€51k▼
Profit (loss) for the period before taxes9903€538k€445k▼
Income taxes67/77€95k€37k▼
Profit (loss) for the period9904€443k€407k▼
Profit (loss) for the period to be appropriated9905€443k€407k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.65M€2.05M▲
Profit (loss) brought forward from the previous period14P€1.20M€1.65M▲
Profit to be distributed694/7€0€420k▲
Return on contributions (dividend)694€0€420k▲
Social balance
Average headcount (FTE)90876.05.6▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 51 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
30-11
Financial
Highest result since 2018net €501k ▲83.3%
Operating result €741k, net result €501k, both a record.
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
01-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
04-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-12-2025
Redouane Farih: Resigned as Director
31-12-2024
Jacques Santucci: Resigned as Director
30-06-2024
Daniel Neuret: Resigned as Director
22-11-2023
Philippe Morette: Resigned as Director
30-09-2023
Alain Gaussin: Resigned as Director
30-04-2021
Druart Lucien: Resigned as Director
17-09-2020
Alain Van Malderen: Resigned as Director
31-12-2018
Patrick Stienlet: Resigned as Director
22-09-2014
Georges-Eric Dacier: Resigned as Director
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2008
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.
Chaussée de Marche(EP) 4865101 NamurGround area
1,205 m²
Building footprint
121 m²
Volume, LiDAR
1,407 m³
Parcel 92039B0012/00Y000, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GROUPE 3D
since 20082.172.562.844
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039B0012/00Y000 | Wallonia | 1,205 m² | 1 · 120 m² | 13.5 m · 4 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 4,668 companies in sector 66220 we hold annual accounts for 3,216. 873 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-06-2008
Fiscal year end30-11
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.