Equity
-€49,642
Debts exceed assets in financial year 2025.
THREE CAPITAL
Lifetime
12 annual accounts with figures on one time axispeak €77,128 (2024)
€49,307▼ 36.1%
lowest -€28,037 (2025)
-€28,037▼ €26,540
peak €29,220 (2015)
-€49,642
€161,269▲ 82.9%
peak 1.3 FTE (2024)
1.3 FTEunchanged
Board3 names since 2020
1 directorBROPHIL
Owners
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from €77,128 to €49,307Loss of €28,037Debts from €88,174 to €161,269Investments €54,973Cash from €498 to €7,942
Key points
from the 2025 annual accountsLosses
-€73,027 in six years
Every financial year from 2020 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€161,269 144% of the balance sheet
Financial debts 61%Suppliers 1%Taxes and wages 8%Other 29%
Of this, €63,628 falls due within a year.
Investments
€54,973 3.2 × depreciation
Green is investment, beige is depreciation.
Filings
12 annual accounts since 2014
Eight of the last ten came late. The 2022 accounts came latest: 466 days after the end of the period.
Position in the sector
-44.5%
Lower solvency than 95% of companies in auxiliary financial services. Sector median 38.5% · 1,861 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1861 sector peers (2025).
NBB · sector comparisonPosition among 1861 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
61 days late
2023
209 days late
2022
466 days late
2021
123 days late
2020
256 days late
2019
91 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 177 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 December (4 of the last 5 accounts filed within 92 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Merger: THREE CAPITAL takes over AGC EXPANSION
Resignations: VAN ERKEL Philippe Martine Roger (manager) and MATTHYS Eric Paul Constant (manager) · Appointment: BROPHIL (director) · Permanent representative: VAN ERKEL Philippe Martine Roger · General meeting of 22-12-2023 · Gazette deed
Merger proposal: Three Capital SRL takes over AGC Expansion SCRL
Board meeting of 29-09-2023 · Gazette deed
Registered office moved from Grez-Doiceau to Bierges
New registered office: Rue de l'Eglise 54 à 1301 Bierges · Previous registered office: Rue du Pétrau 13, 1390 Grez-Doiceau · Board meeting of 20-06-2020 · Gazette deed
First establishment
Rue des Bruyères 89, Chaumont-Gistoux
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| THREE CAPITAL Chaumont-Gistoux | €111,626 | €49,307 | -44.5% | 1.3 |
| Assur-Partners Lennik | €118,357 | €72,010 | 85.7% | 1 |
| Life Planning Hasselt | €87,398 | €61,879 | 89.9% | 0.7 |
| CESAR & ANAIS INVEST Sint-Martens-Latem | €252,079 | €31,968 | -34.2% | 1 |
| Tournai Insurance Consulting Tournai | €119,018 | €121,509 | 64.4% | 1 |
| EUROPASSUR Waremme | €79,338 | €62,080 | 60.7% | 0.9 |
| THESAURIA Ostend | €110,502 | €55,439 | 17.2% | 1 |
These companies have the same main activity as THREE CAPITAL: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €79,300 and €252,000, founded between 1997 and 2019.
Official details
Source: KBO- Status
- Active since 04-09-2013Normal situation
- Activity
- Insurance agents and brokersNACE 66220
- Establishment unit
- 2.222.668.6881325 Chaumont-Gistoux, since 10-10-2013
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on THREE CAPITAL
THREE CAPITAL files the abbreviated format. That format states no turnover. The gross margin rose from €29,603 in 2014 to €49,307 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about THREE CAPITAL
- What is the company number of THREE CAPITAL?
- The company number of THREE CAPITAL is 0537.944.479. The VAT number is the same number with BE in front: BE 0537.944.479.
- Where is THREE CAPITAL based?
- The registered office is at Rue des Bruyères 89, 1325 Chaumont-Gistoux.Company details
- What does THREE CAPITAL do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of THREE CAPITAL?
- THREE CAPITAL is a private limited company (BV).
- When was THREE CAPITAL founded?
- THREE CAPITAL was founded on 04-09-2013.
- Is THREE CAPITAL still active?
- Yes, THREE CAPITAL is an active enterprise in the KBO register.
- How many employees does THREE CAPITAL have?
- THREE CAPITAL had an average of 1.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of THREE CAPITAL?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €49,307 and 1,225 comparable companies of the same size. It probably lies between €94,000 and €330,000. It is a rough estimate.
- Is THREE CAPITAL profitable?
- In financial year 2025, THREE CAPITAL made a loss of €28,037.
- Where can I find the annual accounts of THREE CAPITAL?
- THREE CAPITAL filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of THREE CAPITAL due?
- THREE CAPITAL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check
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