Vector 3
ActiveSummary
The computed 12-month bankruptcy probability of Vector 3 is 1.9% (moderate). The 2025 annual accounts show equity of €137,037 and a net result of -€115,883. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 21% of 8115 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability4▼-71
Solvency39▼-18
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.1 against 1.3 in 2024; short-term debt: 70.9% and cash: 0.5% of total assets), and 85.9% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 8115 sector peers (2025).
NBB · sector comparisonPosition among 8115 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 4 filingsDeviation from the deadline
2025
5 d late
2024
48 d late
2023
64 d late
2022
71 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 47 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€115,883
2024 · €38,185
Working capital
€68,873▼ 56.3%
2024 · €157,652
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€124,836-€153,240▲ 22.8%€56,620▼ 63.1%-€102,679
Net result€98,951-€113,684▲ 14.9%€38,185▼ 66.4%-€115,883
Equity€101,051-€214,735▲ 113%€252,920▲ 17.8%€137,037▼ 45.8%
Total assets€308,468-€510,794▲ 65.6%€792,386▲ 55.1%€969,139▲ 22.3%
Debt€207,417-€296,059▲ 42.7%€539,466▲ 82.2%€832,102▲ 54.2%
Working capital€61,631-€127,171▲ 106%€157,652▲ 24.0%€68,873▼ 56.3%
Staff (FTE)0.73▲ 329%5.8▲ 93.3%
Why a figure moved sharply
- 2024 Total assets +55% on 2023. Cause not known from the registers.
- 2023 Equity +113%, Total assets +66% on 2022. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €102,679 after €56,620 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €969,139
Fixed assets
€213,462 ▲ 91.7%
Current assets
€755,677 ▲ 11.0%
Equity and liabilities €969,139
Equity
€137,037 ▼ 45.8%
Debt
€832,102 ▲ 54.2%
Debt's share of the balance-sheet total rises from 68.1% to 85.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€8,408▼
2024 · €100,426
Cash flow
-€21,612▼
2024 · €81,991
Current ratio
1.10▼
2024 · 1.30
Quick ratio
0.44▼
2024 · 0.55
Debt to equity
6.07▲
2024 · 2.13
ROE
-84.6%▼
2024 · 15.1%
ROA
-12.0%▼
2024 · 4.8%
Interest coverage
-0.68▼
2024 · 16.30
Debt ≤ 1 year
€686,804▲
2024 · €523,377
Debt > 1 year
€135,603▲
2024 · €16,089
Income taxes
€719▼
2024 · €14,000
Staff costs
€265,900▲
2024 · €102,730
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,207 companies that looked in July 2024 the way this one looks now, 4.2% went bankrupt within 24 months and 90% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
4.2%
went bankrupt
4.2%
stopped otherwise
90%
still going
A further 1.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,207 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €15,465 | €102,730 | €265,900 | ▲ 159% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,480 | €23,734 | €43,806 | €94,271 | ▲ 115% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €34,257 | - | - |
| Other operating charges640/8 | €998 | €1,966 | €8,846 | €15,139 | ▲ 71.1% |
| Non-recurring operating charges66A | €930 | €28 | - | - | - |
| Gross operating margin9900 | €129,243 | €194,433 | €246,259 | €272,631 | ▲ 10.7% |
| Operating profit (loss)9901 | €124,836 | €153,240 | €56,620 | -€102,679 | ▼ 281% |
| Financial income75/76B | €545 | €475 | €2,582 | €1,260 | ▼ 51.2% |
| Recurring financial income75 | €545 | €475 | €329 | €1,260 | ▲ 283% |
| Non-recurring financial income76B | - | - | €2,253 | - | - |
| Financial charges65/66B | €753 | €2,296 | €7,017 | €13,746 | ▲ 95.9% |
| Recurring financial charges65 | €753 | €2,296 | €6,162 | €12,341 | ▲ 100% |
| Non-recurring financial charges66B | - | - | €854 | €1,405 | ▲ 64.5% |
| Profit (loss) for the period before taxes9903 | €124,629 | €151,418 | €52,185 | -€115,165 | ▼ 321% |
| Income taxes67/77 | €25,678 | €37,734 | €14,000 | €719 | ▼ 94.9% |
| Profit (loss) for the period9904 | €98,951 | €113,684 | €38,185 | -€115,883 | ▼ 403% |
| Profit (loss) for the period to be appropriated9905 | €98,951 | €113,684 | €38,185 | -€115,883 | ▼ 403% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €308,468 | €510,794 | €792,386 | €969,139 | ▲ 22.3% |
| Fixed assets21/28 | €39,420 | €98,461 | €111,357 | €213,462 | ▲ 91.7% |
| Tangible fixed assets22/27 | €30,170 | €86,711 | €99,607 | €201,712 | ▲ 103% |
| Plant, machinery and equipment23 | €7,925 | €4,949 | €16,372 | €48,815 | ▲ 198% |
| Furniture and vehicles24 | €9,617 | €63,649 | €69,824 | €142,079 | ▲ 103% |
| Other tangible fixed assets26 | €12,628 | €18,113 | €13,411 | €10,818 | ▼ 19.3% |
| Financial fixed assets28 | €9,250 | €11,750 | €11,750 | €11,750 | = |
| Current assets29/58 | €269,048 | €412,333 | €681,029 | €755,677 | ▲ 11.0% |
| Stocks and contracts in progress3 | €151,514 | €210,653 | €393,234 | €453,243 | ▲ 15.3% |
| Stocks30/36 | €151,514 | €210,653 | €393,234 | €453,243 | ▲ 15.3% |
| Amounts receivable within one year40/41 | €101,345 | €159,868 | €261,283 | €290,976 | ▲ 11.4% |
| Trade receivables40 | €95,563 | €152,819 | €251,121 | €280,223 | ▲ 11.6% |
| Other amounts receivable41 | €5,782 | €7,048 | €10,162 | €10,752 | ▲ 5.8% |
| Current investments50/53 | - | - | €23,745 | - | - |
| Cash at bank and in hand54/58 | €16,168 | €38,752 | - | €4,652 | - |
| Deferred charges and accrued income490/1 | €21 | €3,061 | €2,767 | €6,806 | ▲ 146% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €308,468 | €510,794 | €792,386 | €969,139 | ▲ 22.3% |
| Equity10/15 | €101,051 | €214,735 | €252,920 | €137,037 | ▼ 45.8% |
| Contributions10/11 | €2,100 | €2,100 | €2,100 | €2,100 | = |
| Profit (loss) carried forward14 | €98,951 | €212,635 | €250,820 | €134,937 | ▼ 46.2% |
| Amounts payable17/49 | €207,417 | €296,059 | €539,466 | €832,102 | ▲ 54.2% |
| Amounts payable after more than one year17 | - | €10,897 | €16,089 | €135,603 | ▲ 743% |
| Financial debts170/4 | - | €10,897 | €16,089 | €135,603 | ▲ 743% |
| Amounts payable within one year42/48 | €207,417 | €285,162 | €523,377 | €686,804 | ▲ 31.2% |
| Current portion of amounts payable after more than one year42 | - | €20,993 | €22,398 | €19,923 | ▼ 11.1% |
| Financial debts43 | - | - | €50,777 | €16,389 | ▼ 67.7% |
| Credit institutions430/8 | - | - | €50,777 | €16,389 | ▼ 67.7% |
| Trade debts44 | €124,963 | €144,614 | €313,891 | €518,595 | ▲ 65.2% |
| Suppliers440/4 | €124,963 | €144,614 | €313,891 | €518,595 | ▲ 65.2% |
| Taxes, remuneration and social security45 | €82,426 | €119,526 | €135,069 | €126,759 | ▼ 6.2% |
| Taxes450/3 | €82,426 | €119,526 | €109,962 | €54,075 | ▼ 50.8% |
| Remuneration and social security454/9 | - | - | €25,107 | €72,684 | ▲ 189% |
| Other amounts payable47/48 | €28 | €28 | €1,242 | €5,138 | ▲ 314% |
| Accrued charges and deferred income492/3 | - | - | - | €9,695 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €98,951 | €113,684 | €38,185 | -€115,883 | ▼ 403% |
| + Depreciation and write-downs630 | €2,480 | €23,734 | €43,806 | €94,271 | ▲ 115% |
| Operating cash flow (approximation) | €101,430 | €137,419 | €81,991 | -€21,612 | ▼ 126% |
| Investment in fixed assets (approximation) | - | -€82,775 | -€56,702 | -€196,376 | ▼ 246% |
| Change in cash | - | €22,584 | - | - | - |
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
Next filing, fiscal year 2026, expected by
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet -€115,883
Net result drops to -€115,883, the lowest in the series.
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
31-12
Financial
Highest result since 2022net €113,684 ▲14.9%
Operating result €153,240, net result €113,684, both a record.
31-12
Financial
Equity above €200,000Eq €214,735 ▲113%
2 profitable years in a row build equity to €214,735.
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 71 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Braine-le-Château · 1 establishment unit since 2022
Ground area
3,663 m²
Building footprint
1,487 m²
Volume, LiDAR
8,212 m³
Parcel 25111A0447/00G004, Wallonia · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vector 3
since 20222.346.639.836
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25111A0447/00G004 | Wallonia | 3,663 m² | 1 · 1,487 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
BELITHU
BE 0830.914.569
Zonhoven · Eq €138,015
DELFRO
BE 0828.326.253
Bierbeek · Eq €138,244
STONE PLUS
BE 0810.583.072
Beringen · Eq €135,471
Koopaan
BE 0786.218.751
Aarschot · Eq €138,813
BZ INFRA
BE 1001.708.211
Lokeren · Eq €140,224
Of 1,136 companies in sector 46130 we hold annual accounts for 646. 517 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
Founded03-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
47522Retail trade
47521Retail sale of hardware, building materials, paint and glass (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0781532760
Also
9925:BE0781532760
Registered
15-09-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.