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3de Fabriek

Active
Private limited companyfounded 199630 yrs activeWindekeveldweg(Den) 6, 9400 Ninove, BelgiumKBO/BCE: BE 0458.773.079
Summary

3de Fabriek has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €377,585 and a net result of -€31,368. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 9042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
3de FabriekActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Roofing work
NACE 43410Bricklaying and masonry work NACE 43910NACE 45220
1 site
Size
€840,151total assets 2025
Equity
€377,585
Loss
-€31,368
Turnover not published (abridged schema)
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Board
2 members
Accounts 1 d early1 of 5 deeds read
Why 85- Sector Specialised construction activities (NACE 43)- Loss of €31,368, the second in a row (FY 2025)+ Size: total assets €840,151+ Founded in 1996Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 34% 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 70-4
equity 44.9% of total assets
Liquidity 52-16
short-term debt 16.5% · cash 4.9%
Profitability 27+3
return on assets -3.7%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,046 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▼ -4.3% vs 11-2024 01-2025: 0.2%▲ +55.3% vs 12-2024 02-2025: 0.1%▼ -45.4% vs 01-2025lowest value 03-2025: 0.1%● 0.0% vs 02-2025lowest value 04-2025: 0.1%● 0.0% vs 03-2025lowest value 05-2025: 0.1%● 0.0% vs 04-2025lowest value 06-2025: 0.1%● 0.0% vs 05-2025lowest value 07-2025: 0.1%● 0.0% vs 06-2025lowest value 08-2025: 0.1%▲ +0.9% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%▲ +9.7% vs 09-2025 11-2025: 0.1%▲ +4.8% vs 10-2025 12-2025: 0.1%▼ -6.2% vs 11-2025 01-2026: 0.2%▲ +25.4% vs 12-2025 02-2026: 0.2%▲ +45.1% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%● 0.0% vs 03-2026 05-2026: 0.2%● 0.0% vs 04-2026 06-2026: 0.2%● 0.0% vs 05-2026 07-2026: 0.2%● 0.0% vs 06-2026 08-2026: 0.2%▲ +0.9% vs 07-2026 09-2026: 0.2%● 0.0% vs 08-2026 10-2026: 0.2%▲ +8.5% vs 09-2026highest value
  • Size: total assets €840,151 lowers the probability for this profile
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Loss of €31,368, the second in a row (FY 2025) raises the probability
  • Founded in 1996 lowers the probability for this profile
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 1.96 against 5.89 in 2024; short-term debt: 16.5% and cash: 4.9% of total assets), but 55.1% 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 48%, liquidity 47%, profitability 16%, growth against the median 26%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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 · Size: total assets €840,151
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Loss of €31,368, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1996
In the bankruptcy model this factor lowers the probability for this profile.
KBO
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
19202122232425
2019 to 2025 · latest year -€31,368
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
on the day
2023
2 d early
2022
on the day
2021
28 d late
2020
26 d late
2019
28 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 11 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 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close03-10-2026 today31-01-2027 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: D’Herde Gino (manager)Appointments: D’Herde Gino (non-statutory director)…
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Risk: 4 loss-making years in a rowloss fiscal year 2025 -€31,368 View
  • Caution: Among the weakest 9% on net resultsector median €27,666 · 9,035 companies -€31,368 View
  • New directorslatest change 18-05-2026 · 2 in office 2 joined View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Fiscal year
2025
Total assets
€840,151
Loss
-€31,368
Solvency
44.9%
Total assets▲ 0.2%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2016
Next accounts
by 31-01-2027
  1. 18-05-2026Resignation: D’Herde Gino (manager)
  2. 30-01-2026Annual accounts filed
  3. 31-01-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Roofing workNACE 43410
Founded
12-09-1996
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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