Equity
€194,271 ▲ 48.1%
Equity rose in 2025 from €131,173 to €194,271.
Les 3 T
Lifetime
9 annual accounts with figures on one time axispeak €249,976 (2025)
€249,976▲ 14.6%
lowest -€14,868 (2023)
€63,098▲ 36.9%
peak €194,271 (2025)
€194,271▲ 48.1%
€254,095▲ 1.9%
peak 3.2 FTE (2019)
-not published
Board3 names since 2023
2 directorsPONCIN Marie-Hélène and 1 other
Owners
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from €218,209 to €249,976Result from €46,102 to €63,098Equity from €131,173 to €194,271
Key points
from the 2025 annual accountsTurnover
≈ €2.1m estimated
The micro format states no turnover.
Staff
7 employees on 31-12-2025
In 2025, 28 people joined and 29 left.
Filings
9 annual accounts 2 late
The 2021 accounts came latest: 25 days after the end of the period.
Board
1 joined · 2 left
Board changed. Latest change 06-07-2026 · 1 in office.
Position in the sector
€63,098
Higher net result than 91% of companies in retail trade. Sector median €5,052 · 22,900 companies.
Checked score
91
Excellent
Financially stronger than 67% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.3%▼ -0.2 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.2 percentage points vs 07-2026
09-2026: 0.6%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%▼ -0.4 percentage points vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 1.75, cash €76,380
Size: total assets €448,366
Figures for financial year 2025 (filed on 26-06-2026)
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 47, micro). It does better than 58% of them on solvency, 42% on liquidity, 81% on profitability and 86% on growth.
The bankruptcy probability was computed on 08-11-2026 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, 26,972 companies had the same profile as Les 3 T has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Les 3 T itself is lower: 0.2% within 12 months. It rests on far more data about Les 3 T 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 26,972 companies, not a prediction for Les 3 T. 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
Credit of up to €17,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.75 (1.49 in 2024), above the usual 1.5. Short-term debt is 53.9% and cash 17% of total assets. However, 56.7% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 26-06-2026, 35 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
35 days early
2024
6 days early
2023
48 days early
2022
5 days early
2021
25 days late
2020
4 days late
2019
53 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 17 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 25 July (4 of the last 5 accounts filed within 31 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
Board and ownership
- Au Panier de Victor 100%equity €932,337 (2025) · 2025 annual accounts of Au Panier de Victor
Recent changes
1 director appointed, 2 resignations
Resignations: PONCIN Marie-Hélène and TOUSSAINT Thierry (alternate director) · Appointment: Au Panier de Victor · Permanent representatives: PONCIN Marie-Hélène and TOUSSAINT Céline · General meeting of 06-07-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0670641073
1 director appointed, 1 manager resigning, 1 reappointment
Resignation: PONCIN Marie-Hélène (manager) · Reappointment: PONCIN Marie-Hélène (director) · Appointment: TOUSSAINT Thierry (alternate director) · Gazette deed
Incorporation
published on 03-02-2017 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Les 3 T Neufchâteau | €448,366 | €249,976 | 43.3% | - |
| M.M.A.C. & Co Aubange | €354,715 | €202,010 | -8.8% | 2.8 |
| Tellindis Tellin | €523,588 | €265,836 | 57.5% | 3.4 |
| MHDR Wavre | €461,171 | €243,355 | 22.3% | 8.8 |
| FOODIES & CO Braine-l'Alleud | €393,159 | €226,923 | 26.6% | 4.3 |
| ASERCAN Sint-Gillis (bij-Brussel) | €400,538 | €285,129 | 38.4% | 7.1 |
| PKB EXPRESS Antwerp | €399,178 | €279,059 | 29.4% | 4.6 |
These companies have the same main activity as Les 3 T: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €355,000 and €524,000, founded between 2016 and 2018.
Official details
Source: KBO- Status
- Active since 01-02-2017Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110and 7 others
- Establishment unit
- 2.261.104.8406730 Tintigny, since 01-02-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 06-10-2025
Annual accounts 2025
- €448,366▲ 17.8%
- Employeeson 31-12-2025
- 7▼ 12.5%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on Les 3 T
Les 3 T files the micro format. That format states no turnover. The gross margin rose from €62,629 in 2017 to €249,976 in 2025.
Au Panier de Victor holds all the shares.
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 Les 3 T
- What is the company number of Les 3 T?
- The company number of Les 3 T is 0670.641.073. The VAT number is the same number with BE in front: BE 0670.641.073.
- Where is Les 3 T based?
- The registered office is at Place de la Gare,LGL 6, 6840 Neufchâteau.Company details
- What does Les 3 T do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of Les 3 T?
- Les 3 T is a private limited company (BV).
- When was Les 3 T founded?
- Les 3 T was founded on 01-02-2017.
- Is Les 3 T still active?
- Yes, Les 3 T is an active enterprise in the KBO register.
- How many employees does Les 3 T have?
- Les 3 T had an average of 5.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of Les 3 T?
- The turnover in financial year 2025 is ≈ €2.1m. This figure is estimated from the gross margin of €249,976 and 70 comparable companies (NACE 47110). It probably lies between €1.4m and €2.7m.
- Is Les 3 T profitable?
- In financial year 2025, Les 3 T made a profit of €63,098.
- Where can I find the annual accounts of Les 3 T?
- Les 3 T filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Les 3 T due?
- Les 3 T must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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