3 ADVICE
ActiveSummary
3 ADVICE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €884k and a net result of €216k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 79% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 3.17 against 4.1 in 2024; short-term debt: 17.8% and cash: 6.4% of total assets), and 18.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
81.8%
Return on assets
20%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 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
34 d late
2024
29 d late
2023
12 d early
2022
25 d late
2021
3 d early
2020
30 d late
2019
22 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€884k▲ 14.1%
2024 · €775k
2018: €465k
2019: €459k
2020: €565k
2021: €435k
2022: €507k
2023: €659k
2024: €775k
2018 → 2025
Total assets
€1.08M▲ 16.9%
2024 · €925k
2018: €570k
2019: €566k
2020: €623k
2021: €534k
2022: €617k
2023: €815k
2024: €925k
2018 → 2025
Net result
€216k▼ 4.6%
2024 · €226k
2018: €69k
2019: €75k
2020: €106k
2021: €109k
2022: €129k
2023: €201k
2024: €226k
2018 → 2025
Working capital
€417k▼ 9.4%
2024 · €461k
2018: €209k
2019: €191k
2020: €294k
2021: €167k
2022: €248k
2023: €318k
2024: €461k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€435k-€507k▲ 16.6%€659k▲ 29.9%€775k▲ 17.5%€884k▲ 14.1%
Operating result€155k-€184k▲ 18.9%€297k▲ 61.6%€324k▲ 9.2%€294k▼ 9.4%
Net result€109k-€129k▲ 17.7%€201k▲ 55.6%€226k▲ 12.7%€216k▼ 4.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€472k ▲ 49.7%
Current assets
€609k ▼ 0.1%
Equity and liabilities €1.08M
Equity
€884k ▲ 14.1%
Debt
€197k ▲ 31.2%
Debt's share of the balance-sheet total rises from 16.2% to 18.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€343k▼
2024 · €352k
Cash flow
€265k▲
2024 · €254k
Current ratio
3.17▼
2024 · 4.10
Debt to equity
0.22▲
2024 · 0.19
ROE
24.4%▼
2024 · 29.2%
ROA
20.0%▼
2024 · 24.4%
Interest coverage
53.99▼
2024 · 244.20
Debt ≤ 1 year
€192k▲
2024 · €149k
Debt > 1 year
€3k
Income taxes
€100k▼
2024 · €102k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€925k€1.08M▲
Fixed assets21/28€315k€472k▲
Tangible fixed assets22/27€315k€472k▲
Land and buildings22€219k€378k▲
Plant, machinery and equipment23€28k€26k▼
Furniture and vehicles24€69k€67k▼
Current assets29/58€610k€609k▼
Amounts receivable within one year40/41€70k€37k▼
Trade receivables40€54k€36k▼
Other amounts receivable41€16k€417▼
Current investments50/53€369k€497k▲
Cash at bank and in hand54/58€162k€69k▼
Deferred charges and accrued income490/1€8k€6k▼
Equity and liabilities
Total equity and liabilities10/49€925k€1.08M▲
Equity10/15€775k€884k▲
Contributions10/11€6k€6k=
Reserves13€768k€878k▲
Distributable reserves133€768k€878k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€150k€197k▲
Amounts payable after more than one year17-€3k
Financial debts170/4-€3k
Amounts payable within one year42/48€149k€192k▲
Current portion of amounts payable after more than one year42-€35k
Financial debts43€2k€1k▼
Credit institutions430/8€2k€1k▼
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€103k€80k▼
Taxes450/3€103k€76k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€39k€70k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€5k€835▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€49k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€355k€345k▼
Operating profit (loss)9901€324k€294k▼
Financial income75/76B€5k€28k▲
Recurring financial income75€5k€28k▲
Financial charges65/66B€1k€6k▲
Recurring financial charges65€1k€6k▲
Profit (loss) for the period before taxes9903€328k€316k▼
Income taxes67/77€102k€100k▼
Profit (loss) for the period9904€226k€216k▼
Profit (loss) for the period to be appropriated9905€226k€216k▼
Appropriation of the result
Profit (loss) to be appropriated9906€226k€216k▼
Profit (loss) brought forward from the previous period14P€217€0▼
Transfer from equity791/2€110k€106k▼
Transfer to equity691/2€226k€216k▼
To other reserves6921€226k€216k▼
Profit to be distributed694/7€110k€106k▼
Return on contributions (dividend)694€110k€106k▼
The notes to these accounts (8 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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
20-05
State Gazette act
Board meeting · Director appointment
Permanent representative
2024
31-12
Financial
Highest result since 2018net €226k ▲12.7%
Operating result €324k, net result €226k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €500kEq €507k ▲16.6%
5 profitable years in a row build equity to €507k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 6.11
Current ratio from 3.04 to 6.11; short-term debt falls from €93k to €57k.
31-12
Financial
Equity above €500kEq €565k ▲23.2%
3 profitable years in a row build equity to €565k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Roeselare · 1 establishment unit since 2009
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.
Rotsestraat 448800 RoeselareGround area
971 m²
Building footprint
139 m²
Volume, LiDAR
198 m³
Parcel 36015A0977/00Z003, Flanders · tallest building 12.0 m. Linked by address, not a title deed.
1 establishment unit
3 Advice
since 20092.180.731.828
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36015A0977/00Z003 | Flanders | 971 m² | 1 · 139 m² | 12.0 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
6488O438SRQZ0G10C253
Similar companies · same sector, comparable size
ZABALA BRUSSELS
BE 0692.797.754
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THERABEL INTERNATIONAL SERVICES
BE 0836.259.962
Vorst · Eq €884,238
BALDER
BE 0831.171.818
Huy · Eq €884,280
SP CAPITAL
BE 0664.754.658
Glabbeek · Eq €883,787
Equi'Management
BE 0720.809.077
Esneux · Eq €883,717
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 29,187 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.