Summary
Three Advisory is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €18,600 and a net result of €258,540. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 9872 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 9872 sector peers (2024).
NBB · sector comparisonPosition among 9872 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-06-2025, 55 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
55 d early
2023
75 d early
2022
35 d early
2021
46 d early
2020
92 d early
2019
115 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 70 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€18,600=
2023 · €18,600
Net result
€258,540▲ 6.1%
2023 · €243,702
Total assets
€417,124▲ 25.9%
2023 · €331,243
Solvency
4.5%▼ 1.2pp
2023 · 5.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€233,906▲ 24.1%€257,721▲ 10.2%€290,315▲ 12.6%€320,286▲ 10.3%€338,797▲ 5.8%
Net result€179,495above the sector's middle half▲ 27.2%€197,364above the sector's middle half▲ 10.0%€221,419above the sector's middle half▲ 12.2%€243,702above the sector's middle half▲ 10.1%€258,540above the sector's middle half▲ 6.1%
Equity€326,838within the sector's middle half▲ 122%€524,202above the sector's middle half▲ 60.4%€18,600below the sector's middle half▼ 96.5%€18,600below the sector's middle half=€18,600below the sector's middle half=
Total assets€471,337within the sector's middle half▲ 109%€685,931within the sector's middle half▲ 45.5%€353,504within the sector's middle half▼ 48.5%€331,243within the sector's middle half▼ 6.3%€417,124within the sector's middle half▲ 25.9%
Debt€144,499▲ 83.7%€161,728▲ 11.9%€334,904▲ 107%€312,643▼ 6.6%€398,524▲ 27.5%
Working capital€315,814above the sector's middle half▲ 138%€516,773above the sector's middle half▲ 63.6%€14,720within the sector's middle half▼ 97.2%-€35,192below the sector's middle half-€21,639below the sector's middle half▲ 38.5%
Solvency69.3%within the sector's middle half▲ 4.1pp76.4%above the sector's middle half▲ 7.1pp5.3%below the sector's middle half▼ 71.2pp5.6%below the sector's middle half▲ 0.4pp4.5%below the sector's middle half▼ 1.2pp
Current ratio3.19within the sector's middle half▲ 0.504.20above the sector's middle half▲ 1.011.04within the sector's middle half▼ 3.150.89within the sector's middle half▼ 0.160.95within the sector's middle half▲ 0.06
Return on assets (ROA)38.1%above the sector's middle half▼ 24.4pp28.8%above the sector's middle half▼ 9.3pp62.6%above the sector's middle half▲ 33.9pp73.6%above the sector's middle half▲ 10.9pp62.0%above the sector's middle half▼ 11.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 6% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €417,124
Fixed assets
€40,239 ▼ 25.2%
Current assets
€376,884 ▲ 35.8%
Equity and liabilities €417,124
Equity
€18,600 =
Debt
€398,524 ▲ 27.5%
Debt's share of the balance-sheet total rises from 94.4% to 95.5%. Debt is higher.
Key figures and ratios
Debt ≤ 1 year
€398,524▲
2023 · €312,643
Income taxes
€80,191▲
2023 · €76,532
A ratio outside any meaningful range has been withheld (balance sheet total €417,124, equity €18,600).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €6,188 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,594 | €3,594 | €3,594 | €10,810 | €13,286 | ▲ 22.9% |
| Other operating charges640/8 | - | €543 | €977 | €1,083 | €932 | ▼ 14.0% |
| Gross operating margin9900 | €237,938 | €261,858 | €294,885 | €332,179 | €353,014 | ▲ 6.3% |
| Operating profit (loss)9901 | €233,906 | €257,721 | €290,315 | €320,286 | €338,797 | ▲ 5.8% |
| Financial income75/76B | - | €2 | €0 | €0 | €0 | ▲ 66.7% |
| Recurring financial income75 | - | €2 | €0 | €0 | €0 | ▲ 66.7% |
| Financial charges65/66B | - | €94 | €400 | €52 | €65 | ▲ 25.4% |
| Recurring financial charges65 | €88 | €94 | €400 | €52 | €65 | ▲ 25.4% |
| Profit (loss) for the period before taxes9903 | €233,818 | €257,630 | €289,914 | €320,234 | €338,732 | ▲ 5.8% |
| Income taxes67/77 | €54,323 | €60,266 | €68,496 | €76,532 | €80,191 | ▲ 4.8% |
| Profit (loss) for the period9904 | €179,495 | €197,364 | €221,419 | €243,702 | €258,540 | ▲ 6.1% |
| Profit (loss) for the period to be appropriated9905 | €179,495 | €197,364 | €221,419 | €243,702 | €258,540 | ▲ 6.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €471,337 | €685,931 | €353,504 | €331,243 | €417,124 | ▲ 25.9% |
| Fixed assets21/28 | €11,068 | €7,474 | €3,880 | €53,792 | €40,239 | ▼ 25.2% |
| Tangible fixed assets22/27 | €11,068 | €7,474 | €3,880 | €53,792 | €40,239 | ▼ 25.2% |
| Furniture and vehicles24 | - | €7,474 | €3,880 | €53,792 | €40,239 | ▼ 25.2% |
| Current assets29/58 | €460,269 | €678,457 | €349,625 | €277,450 | €376,884 | ▲ 35.8% |
| Amounts receivable within one year40/41 | €247 | €381 | €987 | €1,976 | €1,040 | ▼ 47.4% |
| Trade receivables40 | - | €381 | €987 | €1,976 | €1,040 | ▼ 47.4% |
| Cash at bank and in hand54/58 | €460,022 | €678,076 | €348,350 | €275,474 | €375,418 | ▲ 36.3% |
| Deferred charges and accrued income490/1 | - | - | €288 | €0 | €426 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €471,337 | €685,931 | €353,504 | €331,243 | €417,124 | ▲ 25.9% |
| Equity10/15 | €326,838 | €524,202 | €18,600 | €18,600 | €18,600 | = |
| Contributions10/11 | - | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €320,638 | €518,002 | €0 | - | - | - |
| Distributable reserves133 | - | €518,002 | €0 | - | - | - |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €144,499 | €161,728 | €334,904 | €312,643 | €398,524 | ▲ 27.5% |
| Amounts payable within one year42/48 | €144,456 | €161,684 | €334,904 | €312,643 | €398,524 | ▲ 27.5% |
| Financial debts43 | - | €0 | €1,225 | €307 | €813 | ▲ 165% |
| Credit institutions430/8 | - | €0 | €1,225 | €307 | €813 | ▲ 165% |
| Trade debts44 | €1,677 | €1,985 | €2,036 | €20 | €843 | ▲ 4,187% |
| Suppliers440/4 | - | €1,985 | €2,036 | €20 | €843 | ▲ 4,187% |
| Taxes, remuneration and social security45 | - | €158,555 | €109,107 | €65,780 | €76,344 | ▲ 16.1% |
| Taxes450/3 | - | €158,555 | €109,107 | €65,780 | €76,344 | ▲ 16.1% |
| Other amounts payable47/48 | - | €1,144 | €222,537 | €246,536 | €320,524 | ▲ 30.0% |
| Accrued charges and deferred income492/3 | - | €44 | €0 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €179,495 | €197,364 | €221,419 | €243,702 | €258,540 | ▲ 6.1% |
| + Depreciation and write-downs630 | €3,594 | €3,594 | €3,594 | €10,810 | €13,286 | ▲ 22.9% |
| Operating cash flow (approximation) | €183,089 | €200,958 | €225,013 | €254,512 | €271,827 | ▲ 6.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€60,723 | €267 | ▲ 100% |
| Change in cash | - | €218,054 | -€329,726 | -€72,876 | €99,944 | ▲ 237% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
24-06
State Gazette act
Founder · Incorporation
Founding capital · Other statement
24-06
State Gazette act
Incorporation · Founding capital
Capital · Capital conversion
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €258,540 ▲6.1%
Operating result €338,797, net result €258,540, both a record.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500,000Eq €524,202 ▲60.4%
3 profitable years in a row build equity to €524,202.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200,000Eq €326,838 ▲122%
2 profitable years in a row build equity to €326,838.
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2019
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.
J.R. Collonlaan 131200 Sint-Lambrechts-Woluwe1 establishment unit
Three Advisory
since 20192.284.650.797
Similar companies · same sector, comparable size
Consolution
BE 0507.974.350
Bonheiden · Eq €18,600
Ignace Van Overbeke
BE 0543.429.731
Knokke-Heist · Eq €18,600
Grevant
BE 0562.793.010
Ronse · Eq €18,600
BRP Management Consulting
BE 0565.946.302
Edegem · Eq €18,600
SOLLERTIS CONSULT
BE 0589.962.809
Herentals · Eq €18,600
Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 7,170 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0719639535
Also
9925:BE0719639535
Registered
20-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.