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LES TROIS TECHNIQUES

Active
Coöperatieve vennootschap (oud statuut)founded 198838 yrs activeRue de Marbaix(HSH) 47, 6120 Ham-sur-Heure-Nalinnes, BelgiumKBO/BCE: BE 0433.172.405
Summary

LES TROIS TECHNIQUES has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40,620 and a net result of -€14,197. Equity is shrinking by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 33943 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
LES TROIS TECHNIQUESActiveChecked score 86/100
Risk analysis ReportCompare

Overview

Activity
Installation of electric heating, air conditioning, cooling and ventilation
NACE 43222NACE 45331
#4 oldest company in Ham-sur-Heure-Nalinnes, Construction sector1 site
Size
€60,177total assets 2025
Equity
€40,620
Loss
-€14,197
Turnover not published (abridged schema)
Financial health
86 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 14 d early1 of 2 deeds read
Why 86- Loss of €14,197, the second in a row (FY 2025)- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 23.09, cash €35,754+ Equity €40,620 (67.5% of total assets)Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Better than 48% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 92-7
equity 67.5% of total assets
Liquidity 100=
short-term debt 2.7% · cash 59.4%
Profitability 0-27
return on assets -23.6%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,515 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.2%▲ +0.6% vs 03-2025 05-2025: 0.2%▲ +1.7% vs 04-2025 06-2025: 0.2%▼ -3.9% vs 05-2025lowest value 07-2025: 0.2%▲ +8.8% vs 06-2025 08-2025: 0.3%▲ +46.2% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.3%▲ +0.7% vs 03-2026 05-2026: 0.3%▲ +1.1% vs 04-2026 06-2026: 0.3%▼ -2.2% vs 05-2026 07-2026: 0.3%▲ +6.3% vs 06-2026highest value 08-2026: 0.3%▼ -0.3% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026
  • Liquidity: current ratio 23.09, cash €35,754 lowers the probability
  • Loss of €14,197, the second in a row (FY 2025) raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Equity €40,620 (67.5% of total assets) lowers the probability
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 23.09 against 81.59 in 2024; short-term debt: 2.7% and cash: 59.4% of total assets), and 32.5% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 73%, liquidity 98%, profitability 4%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 23.09, cash €35,754
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Loss of €14,197, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Equity €40,620 (67.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€14,197
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
14 d early
2024
13 d early
2023
21 d early
2022
18 d late
2021
9 d late
2020
5 d late
2019
68 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 7 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 18 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 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
  1. Resignation: Anne FELLER (director)Appointments: Benoit Fabry (managing director)…
  2. Annual accounts filedfiscal year 2025 · micro…
  3. Weakest financial yearnet -€14,197

Key points

  • Risk: 7 loss-making years in a rowloss fiscal year 2025 -€14,197 View
  • Caution: Among the weakest 10% on net resultsector median €10,146 · 33,931 companies -€14,197 View
  • Board changedlatest change 25-08-2026 · 0 in office 2 joined · 1 left View

By topic

Financials

Fiscal year
2025
Total assets
€60,177
Loss
-€14,197
Solvency
67.5%
Turnover
Net result
20212022
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 28-09-2026Resignation: Anne FELLER (director)
  2. 17-07-2026Annual accounts filed
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Coöperatieve vennootschap (oud statuut)
Activity
Installation of electric heating, air conditioning, cooling and…NACE 43222
Founded
04-01-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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