TEAM 3D RENOVATION
ActiveTEAM 3D RENOVATION has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €24k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+21
Solvency71▼-29
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 3.84 in 2024; short-term debt: 27.4% and cash: 32.4% of total assets), and 54.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
45.7%
Return on assets
15.5%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-05-2026, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
6 d late
2024
7 d late
2023
20 d early
2022
6 d late
2021
30 d early
2020
31 d late
2019
12 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▲ 51.3%
2024 · €46k
2018: €27k
2019: €26k
2020: €22k
2021: €26k
2022: €31k
2023: €47k
2024: €46k
2018 → 2025
Total assets
€152k▲ 150%
2024 · €61k
2018: €66k
2019: €55k
2020: €46k
2021: €41k
2022: €44k
2023: €56k
2024: €61k
2018 → 2025
Net result
€24k
2024 · €-850
2018: €4k
2019: €-1k
2020: €-4k
2021: €3k
2022: €5k
2023: €16k
2024: €-850
2018 → 2025
Working capital
€18k▼ 34.9%
2024 · €27k
2018: €-11k
2019: €-10k
2020: €-675
2021: €10k
2022: €20k
2023: €37k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€31k▲ 19.4%€47k▲ 52.7%€46k▼ 1.8%€69k▲ 51.3%
Operating result€8k-€6k▼ 24.3%€19k▲ 219%€5k▼ 71.1%€26k▲ 386%
Net result€3k-€5k▲ 43.1%€16k▲ 224%€-850€24k
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 386% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €152k
Fixed assets
€93k▲ 282%
Current assets
€59k▲ 62.5%
Equity and liabilities €152k
Equity
€69k▲ 51.3%
Debt
€82k▲ 459%
The debt ratio rises from 24.3% to 54.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €11k
Cash flow
€36k▲
2024 · €5k
Solvency
45.7%▼
2024 · 75.7%
Current ratio
1.42▼
2024 · 3.84
Quick ratio
1.42▼
2024 · 3.84
Debt / equity
1.19▲
2024 · 0.32
ROE
33.9%▲
2024 · -1.9%
ROA
15.5%▲
2024 · -1.4%
Interest coverage
28.01▲
2024 · 12.56
Debt
€82k▲
2024 · €15k
Debt ≤ 1 year
€42k▲
2024 · €9k
Debt > 1 year
€41k▲
2024 · €5k
Income taxes
€1k▼
2024 · €5k
Staff costs
€5k▲
2024 · €3k
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€61k€152k▲
Fixed assets21/28€24k€93k▲
Tangible fixed assets22/27€24k€92k▲
Plant, machinery and equipment23€2k€776▼
Furniture and vehicles24€22k€92k▲
Financial fixed assets28€372€372=
Current assets29/58€36k€59k▲
Amounts receivable within one year40/41€5k€10k▲
Trade receivables40€4k€10k▲
Other amounts receivable41€335€335=
Cash at bank and in hand54/58€32k€49k▲
Equity and liabilities
Total equity and liabilities10/49€61k€152k▲
Equity10/15€46k€69k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€32k€55k▲
Amounts payable17/49€15k€82k▲
Amounts payable after more than one year17€5k€41k▲
Financial debts170/4€5k€41k▲
Amounts payable within one year42/48€9k€42k▲
Current portion of amounts payable after more than one year42€5k€20k▲
Trade debts44€93€5k▲
Suppliers440/4€93€5k▲
Taxes, remuneration and social security45€8€384▲
Taxes450/3€8€384▲
Other amounts payable47/48€4k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€3k€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€12k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€463-
Gross operating margin9900€15k€45k▲
Operating profit (loss)9901€5k€26k▲
Financial charges65/66B€857€1k▲
Recurring financial charges65€857€1k▲
Profit (loss) for the period before taxes9903€5k€25k▲
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€-850€24k▲
Profit (loss) for the period to be appropriated9905€-850€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€55k▲
Profit (loss) brought forward from the previous period14P€32k€32k▼
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
2026
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
30-09
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-09
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
09-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mons · 1 establishment unit since 1998
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.
Résidence La Prairie(G.) 497011 MonsGround area
866 m²
Building footprint
83 m²
Parcel 53030C0419/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
TEAM 3D RENOVATION
since 19982.085.120.512
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53030C0419/00H000 | Wallonia | 866 m² | 1 · 83 m² | - |
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.
Similar companies · same sector, comparable size
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GYPROBRAZ
BE 0840.281.801
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PGI CONSTRUIT
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Of 4,265 companies in sector 43230 we hold annual accounts for 1,239. 1,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-1997
Fiscal year end30-09
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43333Wallpapering and laying of floor and wall coverings in other materials
43310Plastering work
43320Joinery installation
43350Other building finishing work
43422Screed work
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.team3drenovation@gmail.com