3LINK
ActiveSummary
3LINK has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €282k and a net result of €-4k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 4354 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability17▲+6
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 19.64 against 25.97 in 2023; short-term debt: 5.1% and cash: 97.4% of total assets), and 5.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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 2024Solvency, return and age of the figures
Solvency
94.9%
Return on assets
-1.4%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-4k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-09-2025, 42 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
not confirmed
2024
42 d late
2023
50 d late
2022
56 d late
2021
4 d late
2020
32 d late
2019
29 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€282k▼ 1.4%
2023 · €286k
2018: €220k
2019: €237k
2020: €265k
2021: €292k
2022: €303k
2023: €286k
2018 → 2024
Total assets
€297k▼ 0.1%
2023 · €297k
2018: €226k
2019: €243k
2020: €276k
2021: €301k
2022: €330k
2023: €297k
2018 → 2024
Net result
€-4k▲ 76.8%
2023 · €-18k
2018: €-4k
2019: €18k
2020: €28k
2021: €27k
2022: €12k
2023: €-18k
2018 → 2024
Working capital
€279k▼ 0.8%
2023 · €282k
2018: €207k
2019: €229k
2020: €258k
2021: €288k
2022: €298k
2023: €282k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€265k-€292k▲ 10.2%€303k▲ 4.0%€286k▼ 5.8%€282k▼ 1.4%
Operating result€28k-€27k▼ 1.1%€12k▼ 56.4%€-17k€-4k▲ 76.6%
Net result€28k-€27k▼ 2.1%€12k▼ 57.0%€-18k€-4k▲ 76.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2024 against €17k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €297k
Fixed assets
€2k ▼ 44.0%
Current assets
€294k ▲ 0.5%
Equity and liabilities €297k
Equity
€282k ▼ 1.4%
Debt
€15k ▲ 32.9%
Debt's share of the balance-sheet total rises from 3.8% to 5.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▲
2023 · €-15k
Cash flow
€-2k▲
2023 · €-15k
Current ratio
19.64▼
2023 · 25.97
Debt to equity
0.05▲
2023 · 0.04
ROE
-1.5%▲
2023 · -6.2%
ROA
-1.4%▲
2023 · -5.9%
Interest coverage
-8.53▲
2023 · -52.81
Debt ≤ 1 year
€15k▲
2023 · €11k
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 · 2024 against 2023 · 34 lines
Balance sheet
Code20232024
Assets
Total assets20/58€297k€297k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€688▼
Financial fixed assets28€341€341=
Current assets29/58€293k€294k▲
Amounts receivable within one year40/41€12k€6k▼
Trade receivables40€9k€3k▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€281k€289k▲
Equity and liabilities
Total equity and liabilities10/49€297k€297k▼
Equity10/15€286k€282k▼
Reserves13€38k€38k=
Distributable reserves133€38k€38k=
Profit (loss) carried forward14€248k€244k▼
Amounts payable17/49€11k€15k▲
Amounts payable within one year42/48€11k€15k▲
Trade debts44-€2k
Suppliers440/4-€2k
Other amounts payable47/48€11k€13k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€8k€528▼
Gross operating margin9900€-7k€-2k▲
Operating profit (loss)9901€-17k€-4k▲
Financial income75/76B€2€244▲
Recurring financial income75€2€244▲
Financial charges65/66B€279€264▼
Recurring financial charges65€279€264▼
Profit (loss) for the period before taxes9903€-18k€-4k▲
Profit (loss) for the period9904€-18k€-4k▲
Profit (loss) for the period to be appropriated9905€-18k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€248k€244k▼
Profit (loss) brought forward from the previous period14P€265k€248k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 42 days late
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-12
Financial
Weakest financial yearnet €-18k ▼252%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 25.97
Current ratio from 12.05 to 25.97; short-term debt falls from €27k to €11k.
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 56 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2021
01-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 32 days late
2020
31-12
Financial
Highest result since 2018net €28k ▲57.4%
Operating result €28k, net result €28k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
2019
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 42 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 22 days late
Financial milestoneNBB 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, Aalst · 1 establishment unit since 1994
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.
Oude Gentbaan 199300 AalstGround area
532 m²
Building footprint
223 m²
Volume, LiDAR
1,673 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
3LINK
since 19942.067.186.695
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41040B0176/00T000 | Flanders | 345 m² | 1 · 144 m² | 11.2 m · 3 fl. |
| 41302C0536/00M000 | Flanders | 187 m² | 1 · 80 m² | 9.6 m · 1 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.
Similar companies · same sector, comparable size
Studio Neo
BE 0763.965.367
Antwerpen · Eq €281k
NAZCA AGENCY & PARTNERS
BE 0642.683.101
Sint-Genesius-Rode · Eq €278k
VILNA GAON
BE 0521.786.457
Hannut · Eq €286k
NAME AT WORK
BE 0684.898.192
Frasnes-lez-Anvaing · Eq €287k
Co.Me
BE 0700.434.822
Antwerpen · Eq €290k
Of 6,295 companies in sector 74120 we hold annual accounts for 1,011. 610 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
Founded17-05-1994
Fiscal year end31-12
Activities, NACEBEL 2025
18120Other printing
74120Graphic design and visual communication
18130Pre-press and pre-media services
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.