Age3 yrs
Real estate1 parcel · 888 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of 3OT is 1.6% (moderate). The 2025 annual accounts show equity of €90k and a net result of €9k. Its solvency ranks better than 32% of 158 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 evidenceConsistently 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-wideFiled after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-06. 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 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 02-02-2026 | 2 d late | 2026-00027651 |
| 30-06-2024 | 31-01-2025 | 31-01-2025 | on the day | 2025-00021680 |
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 signalsMore 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 everyone1.6%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Lower-risk legal form
−
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€9k+72.8%
Working capital€30k-59.0%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 02-02-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 33 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 26.7% | 41.7% | |
| Net result | €9k | €20k | |
| Equity | €90k | €42k | |
| Gross operating margin | €19k | €43k | |
| Total assets | €336k | €114k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€19k
+44.6%
24-25
€9k
+72.8%
24-25
€16k
+37.8%
24-25
€336k
+3.5%
24-25
€90k
+11.8%
24-25
€30k
-59.0%
24-25
€2k
+89.6%
24-25
€246k
+0.7%
24-25
Show 8 other metrics
€246k
+0.7%
24-25
1.12
-13.8%
24-25
1.12
-13.8%
24-25
26.7%
+8.0%
24-25
2.74
-9.9%
24-25
10.5%
+54.6%
24-25
2.8%
+67.0%
24-25
35.44
-34.8%
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €19k |
| Net profit | €9k |
| Cash flow | €16k |
| Staff costs | - |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €336k |
| Equity | €90k |
| Debt | €246k |
| of which ≤ 1y | €246k |
| of which > 1y | - |
| Working capital | €30k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.12 |
| Quick ratio | 1.12 |
| Working capital ratio | 9.0% |
| Solvency | 26.7% |
| Debt / equity | 2.74 |
| Long-term debt ratio | - |
| Interest coverage | 35.44 |
| Gross margin | - |
| Net margin | - |
| ROA | 2.8% |
| ROE | 10.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €336k |
| Fixed assets | 21/28 | €60k |
| Tangible fixed assets | 22/27 | €10k |
| Financial fixed assets | 28 | €50k |
| Current assets | 29/58 | €277k |
| Amounts receivable within one year | 40/41 | €132k |
| Cash & bank | 54/58 | €145k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €336k |
| Equity | 10/15 | €90k |
| Contributions / capital | 10/11 | €75k |
| Reserves | 13 | €15k |
| Amounts payable | 17/49 | €246k |
| Amounts payable within one year | 42/48 | €246k |
| Trade debts payable within one year | 44 | €238k |
| Income statement | ||
| Gross operating margin | 9900 | €19k |
| Operating result | 9901 | €12k |
| Financial income | 75 | €3 |
| Financial charges | 65 | €533 |
| Result before taxes | 9903 | €12k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €9k |
| Result to be appropriated | 9905 | €9k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed86
/ 100
Excellent
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 BankCannot 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.
Valkenaard 142242 ZandhovenEstablishment units
1 location3OT
since 20222.335.159.093
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area888 m²
Buildings1
Building footprint149 m²
Volume (LiDAR)511 m³
Tallest building5.5 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11033B0448/00A005 | Flanders | 888 m² | 1 · 149 m² | 5.5 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Financial profile
5 of 5 axes measured71
/ 100
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Health
86
Profitability
53
Solvency
44
Growth
78
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 227 of the 1,221 companies in this sector. 180 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Installatie van industriële machines, toestellen en werktuigen33200Installatie van industriële machines, toestellen en werktuigen33200Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Elektrotechnische installatiewerken, uitgezonderd aan gebouwen43212Elektrotechnische installatiewerken van nijverheidsinrichtingen43212Groothandel in machines, werktuigen en toebehoren voor de landbouw46610Groothandel in machines, werktuigen en toebehoren voor de landbouw46610Overige diensten op het gebied van informatietechnologie en computer62090Overige diensten op het gebied van informatietechnologie en computer62900Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | 3OT |
Registered office
Valkenaard 14
2242 Zandhoven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.