3D LUNCH
ActiveSummary
The computed 12-month bankruptcy probability of 3D LUNCH is 1.6% (moderate). The 2025 annual accounts show equity of €27k and a net result of €-8k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 71% of 13305 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-56
Solvency79▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 2.14 in 2024; short-term debt: 44.6% and cash: 93.4% of total assets), and 45.7% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.3%
Return on assets
-15.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
31 d late
2023
41 d late
2022
30 d late
2021
71 d late
2020
30 d late
2019
60 d late
← 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
€27k▼ 26.1%
2024 · €37k
2018: €12k
2019: €12k
2020: €39k
2021: €39k
2022: €38k
2023: €38k
2024: €37k
2018 → 2025
Total assets
€50k▼ 20.0%
2024 · €63k
2018: €70k
2019: €53k
2020: €58k
2021: €67k
2022: €76k
2023: €67k
2024: €63k
2018 → 2025
Net result
€-8k
2024 · €314
2018: €3k
2019: €-278
2020: €29k
2021: €5k
2022: €6k
2023: €2k
2024: €314
2018 → 2025
Working capital
€25k▼ 11.7%
2024 · €29k
2018: €-20k
2019: €-14k
2020: €15k
2021: €19k
2022: €23k
2023: €26k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€38k▼ 3.0%€38k▲ 1.2%€37k▼ 3.7%€27k▼ 26.1%
Operating result€6k-€8k▲ 23.3%€3k▼ 57.0%€2k▼ 38.3%€-6k
Net result€5k-€6k▲ 24.0%€2k▼ 68.2%€314▼ 84.7%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€2k ▼ 72.3%
Current assets
€48k ▼ 11.4%
Equity and liabilities €50k
Equity
€27k ▼ 26.1%
Debt
€23k ▼ 11.4%
Debt's share of the balance-sheet total rises from 41.2% to 45.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2024 · €7k
Cash flow
€-7k▼
2024 · €6k
Current ratio
2.13▼
2024 · 2.14
Debt to equity
0.84▲
2024 · 0.70
ROE
-29.0%▼
2024 · 0.9%
ROA
-15.7%▼
2024 · 0.5%
Interest coverage
-4.35▼
2024 · 4.43
Debt ≤ 1 year
€22k▼
2024 · €25k
Income taxes
€72▼
2024 · €109
Staff costs
€24k▼
2024 · €46k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€63k€50k▼
Fixed assets21/28€9k€2k▼
Tangible fixed assets22/27€9k€2k▼
Plant, machinery and equipment23€2k€850▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€4k-
Current assets29/58€54k€48k▼
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€998€672▼
Trade receivables40€198-
Other amounts receivable41€799€672▼
Cash at bank and in hand54/58€48k€47k▼
Deferred charges and accrued income490/1€3k€200▼
Equity and liabilities
Total equity and liabilities10/49€63k€50k▼
Equity10/15€37k€27k▼
Contributions10/11€19k€19k=
Reserves13€14k€9k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€12k€7k▼
Profit (loss) carried forward14€4k-
Amounts payable17/49€26k€23k▼
Amounts payable within one year42/48€25k€22k▼
Financial debts43€5k-
Other loans439€5k-
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Advances received on contracts in progress46€307-
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€2k-
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48€3k€11k▲
Accrued charges and deferred income492/3€697€543▼
Income statement
Code20242025
Non-recurring operating income76A-€33k
Remuneration, social security and pensions62€46k€24k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€553▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€55k€19k▼
Operating profit (loss)9901€2k€-6k▼
Financial income75/76B€1€28▲
Recurring financial income75€1€28▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€423€-8k▼
Income taxes67/77€109€72▼
Profit (loss) for the period9904€314€-8k▼
Profit (loss) for the period to be appropriated9905€314€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-4k▼
Profit (loss) brought forward from the previous period14P€6k€4k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€314-
To other reserves6921€314-
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (7 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €-8k ▼2604%
Net result drops to €-8k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
10-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 71 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.87
Current ratio from 0.64 to 1.87; short-term debt falls from €39k to €18k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Gistel · 1 establishment unit since 2007
Ground area
2,131 m²
Building footprint
321 m²
Volume, LiDAR
1,862 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BVBA 3D Lunch
since 20072.165.945.068
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35005B0372/00E002 | Flanders | 1,695 m² | 1 · 231 m² | 8.6 m · 2 fl. |
| 35005B0370/00T000 | Flanders | 436 m² | 1 · 89 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 8,337 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
Founded18-09-2007
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.