3T Finance: what changed
What changed
3T Finance
filed annual accounts (NBB)
Net result for the year
-€4.1m
2024 · -€2.3m-€1.7m
Equity
-€5.9m
2024 · -€1.8m-€4.1m
Cash
€54,638
2024 · €1,284+€53,353
Balance sheet total
€6.1m
2024 · €9.7m-€3.6m
Largest movements
Assets
- Financial fixed assets -€3.7m
down €3.7m (-38.1%), from €9.7m to €6.0m
Equity and liabilities
- Profit (loss) carried forward -€4.1m
down €4.1m (-13.4%), from -€30.4m to -€34.5m
- Other debts +€820,380
up €820,380 (+12.0%), from €6.8m to €7.7m
- Accrued charges and deferred income -€305,505
no longer reported in 2025 (was €305,505)
Income statement
- Financial charges +€1.0m
up €1.0m (+24.4%), from €4.1m to €5.1m
of which Non-recurring financial charges: +€1.1m
- Financial income -€535,886
down €535,886 (-33.0%), from €1.6m to €1.1m
of which Non-recurring financial income: -€379,974
- Gross operating margin -€181,358
down €181,358, from €164,633 to -€16,725
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
-€2.3m
Gross operating margin
-€181,358
Other operating charges
+€19
Financial income
-€535,886
Financial charges
-€1.0m
Result 2025
-€4.1m
raises the resultlowers the result
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
-€3.6m
Investment
+€3.7m
Financing
-€74,571
Cash 2024
€1,284
From operations (derived)
-€3.6m
Net result for the year
-€4.1m
Smaller working-capital items
-€7,401
Other debts
+€820,380
Accrued charges and deferred income
-€305,505
Investment (derived)
+€3.7m
Investment in fixed assets (net)
+€3.7m
Financing
-€74,571
Current portion of long-term debt
-€74,571
Cash 2025
€54,638
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €9,701,904 | €6,060,569 | -€3.6m | -37.5% |
| Fixed assets | 21/28 | €9,699,591 | €6,005,806 | -€3.7m | -38.1% |
| Financial fixed assets | 28 | €9,699,591 | €6,005,806 | -€3.7m | -38.1% |
| Current assets | 29/58 | €2,313 | €54,763 | +€52,450 | +2,267% |
| Cash at bank and in hand | 54/58 | €1,284 | €54,638 | +€53,353 | +4,154% |
| Deferred charges and accrued income | 490/1 | €1,029 | €126 | -€903 | -87.8% |
| Total equity and liabilities | 10/49 | €9,701,904 | €6,060,569 | -€3.6m | -37.5% |
| Equity | 10/15 | -€1,831,204 | -€5,904,538 | -€4.1m | -222% |
| Contributions | 10/11 | €27,750,000 | €27,750,000 | = | 0.0% |
| Capital | 10 | €27,750,000 | €27,750,000 | = | 0.0% |
| Issued capital | 100 | €27,750,000 | €27,750,000 | = | 0.0% |
| Reserves | 13 | €859,374 | €859,374 | = | 0.0% |
| Non-distributable reserves | 130/1 | €859,374 | €859,374 | = | 0.0% |
| Legal reserve | 130 | €859,374 | €859,374 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€30,440,578 | -€34,513,912 | -€4.1m | -13.4% |
| Amounts payable | 17/49 | €11,533,109 | €11,965,108 | +€431,999 | +3.7% |
| Amounts payable after more than one year | 17 | €4,300,000 | €4,300,000 | = | 0.0% |
| Other amounts payable | 178/9 | €4,300,000 | €4,300,000 | = | 0.0% |
| Amounts payable within one year | 42/48 | €6,927,604 | €7,665,108 | +€737,504 | +10.6% |
| Current portion of amounts payable after more than one year | 42 | €74,571 | - | -€74,571 | |
| Trade debts | 44 | €8,264 | €9 | -€8,254 | -99.9% |
| Suppliers | 440/4 | €8,264 | €9 | -€8,254 | -99.9% |
| Taxes, remuneration and social security | 45 | €50 | - | -€50 | |
| Taxes | 450/3 | €50 | - | -€50 | |
| Other amounts payable | 47/48 | €6,844,719 | €7,665,099 | +€820,380 | +12.0% |
| Accrued charges and deferred income | 492/3 | €305,505 | - | -€305,505 | |
| Non-recurring operating income | 76A | €180,398 | - | -€180,398 | |
| Other operating charges | 640/8 | €1,018 | €998 | -€19 | -1.9% |
| Gross operating margin | 9900 | €164,633 | -€16,725 | -€181,358 | |
| Operating profit (loss) | 9901 | €163,615 | -€17,724 | -€181,339 | |
| Financial income | 75/76B | €1,622,134 | €1,086,248 | -€535,886 | -33.0% |
| Recurring financial income | 75 | €161,324 | €5,411 | -€155,913 | -96.6% |
| Non-recurring financial income | 76B | €1,460,810 | €1,080,837 | -€379,974 | -26.0% |
| Financial charges | 65/66B | €4,133,783 | €5,141,858 | +€1.0m | +24.4% |
| Recurring financial charges | 65 | €1,033,562 | €986,909 | -€46,653 | -4.5% |
| Non-recurring financial charges | 66B | €3,100,220 | €4,154,949 | +€1.1m | +34.0% |
| Profit (loss) for the period before taxes | 9903 | -€2,348,033 | -€4,073,334 | -€1.7m | -73.5% |
| Profit (loss) for the period | 9904 | -€2,348,033 | -€4,073,334 | -€1.7m | -73.5% |
| Profit (loss) for the period to be appropriated | 9905 | -€2,348,033 | -€4,073,334 | -€1.7m | -73.5% |
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 7 November 2026 via checked.be.