3nergy · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of 3nergy is < 0.1% (very low). The 2025 annual accounts show equity of €12k and a net result of €3k. Its solvency ranks better than 52% of 275 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-06-2026, 54 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	07-06-2026	54 d early	2026-00141599
31-12-2024	31-07-2025	23-05-2025	69 d early	2025-00105096

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

< 0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Young company +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€3k-4.4%

Working capital€12k+40.6%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 07-06-2026 with the NBB · fiscal year 2025 · volledig

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 93 · compared across all schema types (micro, abbreviated and full combined)

Metric	This company	Sector median	Position in the sector
Solvency	24.0%	22.6%	better than 52% of 275 sector peers
Net result	€3k	€7k	better than 43% of 275 sector peers
Equity	€12k	€30k	better than 37% of 276 sector peers
Gross operating margin	€47k	€49k	better than 49% of 269 sector peers
Staff costs	€44k	€72k	higher than 40% of 129 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€3k

-0.6% 24-25

Net profit

€3k

-4.4% 24-25

Cash flow

€3k

-1.1% 24-25

Total assets

€51k

+11.2% 24-25

Equity

€12k

+37.2% 24-25

Working capital

€12k

+40.6% 24-25

Staff costs

€44k

+175.0% 24-25

Income taxes

€21

+150.8% 24-25

Debt

€39k

+4.9% 24-25

Debt ≤ 1y

€39k

+4.9% 24-25

Current ratio

1.31

+6.4% 24-25

Quick ratio

1.31

+6.4% 24-25

Solvency

24.0%

+23.4% 24-25

Debt / equity

3.17

-23.5% 24-25

ROE

27.1%

-30.4% 24-25

ROA

6.5%

-14.1% 24-25

Interest coverage

22.97

-23.2% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	-
EBITDA	€3k
Net profit	€3k
Cash flow	€3k
Staff costs	€44k
Income taxes	€21
Dividends	-
Total assets	€51k
Equity	€12k
Debt	€39k
of which ≤ 1y	€39k
of which > 1y	-
Working capital	€12k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.31
Quick ratio	1.31
Working capital ratio	23.5%
Solvency	24.0%
Debt / equity	3.17
Long-term debt ratio	-
Interest coverage	22.97
Gross margin	-
Net margin	-
ROA	6.5%
ROE	27.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €253 · 0.5% Current assets €51k · 99.5%

Equity & liabilities

Equity €12k · 24.0% Debt €39k · 76.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€51k
Fixed assets	21/28	€253
Tangible fixed assets	22/27	€253
Current assets	29/58	€51k
Amounts receivable within one year	40/41	€32k
Cash & bank	54/58	€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€51k
Equity	10/15	€12k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€7k
Amounts payable	17/49	€39k
Amounts payable within one year	42/48	€39k
Trade debts payable within one year	44	€836
Income statement
Gross operating margin	9900	€47k
Operating result	9901	€3k
Financial income	75	€165
Financial charges	65	€151
Result before taxes	9903	€3k
Income taxes	67/77	€21
Net result for the period	9904	€3k
Result to be appropriated	9905	€3k

You are seeing the latest fiscal year only. 1 prior year (figures + ratios) is in a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

68 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Chaussée de Frasnes(RUM) 1677540 Tournai

Establishment units

1 location

3nergy Coaching

Chaussée de Frasnes(RUM) 167, 7540 TournaiOverige sportactiviteiten, neg

since 20242.357.443.062

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area516 m²

Buildings1

Building footprint47 m²

Volume (LiDAR)306 m³

Tallest building7.7 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)