S 3 T
ActiveS 3 T has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €943k and a net result of €34k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+4
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity short (current ratio 0.24 against 0.21 in 2024; short-term debt: 17.4% and cash: 1% of total assets), and 17.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.6%
Return on assets
3%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-10-2025, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
31 d early
2023
32 d early
2022
on the day
2021
2 d early
2020
30 d late
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€943k▲ 0.9%
2024 · €935k
2019: €443k
2020: €459k
2021: €447k
2022: €547k
2023: €956k
2024: €935k
2019 → 2025
Total assets
€1.14M▲ 1.6%
2024 · €1.12M
2019: €1.24M
2020: €1.25M
2021: €1.25M
2022: €1.28M
2023: €1.13M
2024: €1.12M
2019 → 2025
Net result
€34k▲ 421%
2024 · €7k
2019: €26k
2020: €18k
2021: €-12k
2022: €100k
2023: €410k
2024: €7k
2019 → 2025
Working capital
€-152k▼ 1.8%
2024 · €-150k
2019: €-642k
2020: €-626k
2021: €-638k
2022: €-539k
2023: €-128k
2024: €-150k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€447k-€547k▲ 22.3%€956k▲ 75.0%€935k▼ 2.3%€943k▲ 0.9%
Operating result€-8k-€22k€20k▼ 8.9%€12k▼ 41.2%€54k▲ 363%
Net result€-12k-€100k€410k▲ 311%€7k▼ 98.4%€34k▲ 421%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 363% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€1.10M▲ 1.0%
Current assets
€47k▲ 15.6%
Equity and liabilities €1.14M
Equity
€943k▲ 0.9%
Debt
€199k▲ 4.7%
The debt ratio rises from 16.9% to 17.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60k▲
2024 · €12k
Cash flow
€40k▲
2024 · €7k
Solvency
82.6%▼
2024 · 83.1%
Current ratio
0.24▲
2024 · 0.21
Quick ratio
0.24▲
2024 · 0.21
Debt / equity
0.21▲
2024 · 0.20
ROE
3.6%▲
2024 · 0.7%
ROA
3.0%▲
2024 · 0.6%
Interest coverage
303.58▲
2024 · 16.02
Debt
€199k▲
2024 · €190k
Debt ≤ 1 year
€199k▲
2024 · €190k
Income taxes
€19k▲
2024 · €5k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.12M€1.14M▲
Fixed assets21/28€1.08M€1.10M▲
Tangible fixed assets22/27€2k€14k▲
Plant, machinery and equipment23€697€419▼
Furniture and vehicles24€2k€13k▲
Financial fixed assets28€1.08M€1.08M=
Current assets29/58€41k€47k▲
Amounts receivable within one year40/41€29k€34k▲
Trade receivables40€9k€14k▲
Other amounts receivable41€19k€20k▲
Cash at bank and in hand54/58€10k€11k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.12M€1.14M▲
Equity10/15€935k€943k▲
Contributions10/11€19k€19k=
Reserves13€916k€925k▲
Tax-exempt reserves132€13k€13k=
Distributable reserves133€904k€912k▲
Amounts payable17/49€190k€199k▲
Amounts payable within one year42/48€190k€199k▲
Current portion of amounts payable after more than one year42€4k-
Trade debts44€151k€5k▼
Suppliers440/4€151k€5k▼
Taxes, remuneration and social security45€8k€20k▲
Taxes450/3€8k€16k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€27k€174k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€279€6k▲
Other operating charges640/8€5k€2k▼
Gross operating margin9900€17k€62k▲
Operating profit (loss)9901€12k€54k▲
Financial income75/76B€335-
Recurring financial income75€335-
Financial charges65/66B€743€197▼
Recurring financial charges65€743€197▼
Profit (loss) for the period before taxes9903€11k€54k▲
Income taxes67/77€5k€19k▲
Profit (loss) for the period9904€7k€34k▲
Profit (loss) for the period to be appropriated9905€7k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€34k▲
Transfer from equity791/2€28k€26k▼
Transfer to equity691/2€7k€34k▲
To other reserves6921€7k€34k▲
Profit to be distributed694/7€28k€26k▼
Directors or managers695€28k€26k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
27-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €410k ▲311%
Net result €410k, the highest in the series.
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €100k
Net result €100k after one loss-making year.
31-03
Financial
Equity above €500kEq €547k ▲22.3%
Equity rises from €447k to €547k.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-12k ▼169%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schilde · 1 establishment unit since 2004
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.
De Dreef van Duyvendael 122970 SchildeGround area
6,637 m²
Building footprint
358 m²
Volume, LiDAR
2,348 m³
Parcel 11041B0219/00B000, Flanders · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S 3 T
since 20042.137.214.064
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0219/00B000 | Flanders | 6,637 m² | 1 · 358 m² | 12.4 m · 2 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 28,471 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2004
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.