NC3d
ActiveSummary
NC3d has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €-2k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 22% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
57
/ 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
Profitability59▼-16
Solvency43▼-21
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.56 against 1.73 in 2024; short-term debt: 24.3% and cash: 8.2% of total assets), and 82.2% of the assets are financed with debt.
Credit check 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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
17.8%
Return on assets
-0.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 1901 sector peers (2025).
NBB · sector comparisonPosition among 1901 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-02-2026, 157 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
157 d early
2024
61 d early
2023
153 d early
2022
165 d early
2021
128 d early
2020
151 d early
2019
128 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
€73k▼ 32.1%
2024 · €108k
2019: €19k
2020: €46k
2021: €53k
2022: €83k
2023: €94k
2024: €108k
2019 → 2025
Total assets
€411k▲ 50.1%
2024 · €274k
2019: €44k
2020: €70k
2021: €206k
2022: €228k
2023: €227k
2024: €274k
2019 → 2025
Net result
€-2k
2024 · €14k
2019: €14k
2020: €28k
2021: €6k
2022: €30k
2023: €11k
2024: €14k
2019 → 2025
Working capital
€-44k
2024 · €50k
2019: €15k
2020: €43k
2021: €7k
2022: €35k
2023: €39k
2024: €50k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€83k▲ 56.9%€94k▲ 13.7%€108k▲ 14.7%€73k▼ 32.1%
Operating result€10k-€40k▲ 314%€17k▼ 58.8%€22k▲ 32.8%€8k▼ 65.0%
Net result€6k-€30k▲ 379%€11k▼ 62.2%€14k▲ 22.0%€-2k
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 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €411k
Fixed assets
€355k ▲ 129%
Current assets
€56k ▼ 52.8%
Equity and liabilities €411k
Equity
€73k ▼ 32.1%
Debt
€338k ▲ 103%
Debt's share of the balance-sheet total rises from 60.7% to 82.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€48k▲
2024 · €32k
Cash flow
€39k▲
2024 · €24k
Current ratio
0.56▼
2024 · 1.73
Debt to equity
4.62▲
2024 · 1.54
ROE
-2.8%▼
2024 · 12.8%
ROA
-0.5%▼
2024 · 5.0%
Interest coverage
4.87▼
2024 · 8.14
Debt ≤ 1 year
€100k▲
2024 · €69k
Debt > 1 year
€238k▲
2024 · €98k
Income taxes
€237▼
2024 · €4k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€274k€411k▲
Fixed assets21/28€155k€355k▲
Tangible fixed assets22/27€155k€355k▲
Land and buildings22€148k€351k▲
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€119k€56k▼
Amounts receivable within one year40/41€43k€8k▼
Trade receivables40€40k€8k▼
Other amounts receivable41€3k€865▼
Current investments50/53€24k€13k▼
Cash at bank and in hand54/58€50k€34k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€274k€411k▲
Equity10/15€108k€73k▼
Contributions10/11€5k€5k=
Reserves13€103k€68k▼
Distributable reserves133€103k€68k▼
Amounts payable17/49€166k€338k▲
Amounts payable after more than one year17€98k€238k▲
Financial debts170/4€98k€238k▲
Amounts payable within one year42/48€69k€100k▲
Current portion of amounts payable after more than one year42€9k€15k▲
Trade debts44€2k€788▼
Suppliers440/4€2k€788▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€57k€80k▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€41k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€33k€51k▲
Operating profit (loss)9901€22k€8k▼
Financial income75/76B€112€480▲
Recurring financial income75€112€256▲
Non-recurring financial income76B-€224
Financial charges65/66B€4k€10k▲
Recurring financial charges65€4k€10k▲
Profit (loss) for the period before taxes9903€18k€-2k▼
Income taxes67/77€4k€237▼
Profit (loss) for the period9904€14k€-2k▼
Profit (loss) for the period to be appropriated9905€14k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-2k▼
Transfer from equity791/2-€35k
Transfer to equity691/2€14k-
To other reserves6921€14k-
Profit to be distributed694/7-€33k
Return on contributions (dividend)694-€33k
The notes to these accounts (11 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼115%
Net result drops to €-2k, the lowest in the series.
31-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €108k ▲14.7%
6 profitable years in a row build equity to €108k.
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €30k ▲379%
Operating result €40k, net result €30k, both a record.
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Essen · 1 establishment unit since 2019
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.
Deken Verstraelenstraat 92910 EssenGround area
553 m²
Building footprint
140 m²
Volume, LiDAR
775 m³
Parcel 11642D0322/02F000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NC3d
since 20192.289.509.509
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642D0322/02F000 | Flanders | 553 m² | 1 · 140 m² | 8.4 m · 2 fl. |
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.
Similar companies · same sector, comparable size
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BE 0847.658.848
Antwerpen · Eq €73,067
Skyslimit
BE 0756.650.181
Heusden-Zolder · Eq €73,046
Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 1,245 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
Founded22-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
71121Engineering and related technical consultancy, excluding land surveyors
73200Market research and public opinion polling
74112Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.