SIMPLY 3P · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SIMPLY 3P is 0.4% (very low). The 2025 annual accounts show equity of €23k and a net result of €12k. Equity is growing by ~84.4% per year across the filed fiscal years. Its solvency ranks better than 51% of 4755 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Signals

1 signal · with evidence

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity 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 17-04-2026, 105 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 5 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	17-04-2026	105 d early	2026-00083162
31-12-2024	31-07-2025	05-06-2025	56 d early	2025-00132461
31-12-2023	31-07-2024	22-05-2024	70 d early	2024-00098833
31-12-2022	31-07-2023	30-05-2023	62 d early	2023-00103511
31-12-2021	31-07-2022	16-05-2022	76 d early	2022-20026768

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 2021, 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

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

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€12k

Working capital€19k+173.0%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 17-04-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~84.4%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	57.2%	55.4%	better than 51% of 4755 sector peers
Net result	€12k	€38k	better than 27% of 4755 sector peers
Equity	€23k	€64k	better than 29% of 4756 sector peers
Gross operating margin	€22k	€61k	better than 24% of 4748 sector peers
Total assets	€39k	€146k	better than 12% of 4756 sector peers

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

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P51

Improving position over 2021-2025 · n=3537-12487

Net result P27

Stable position over 2021-2025 · n=3536-12489

Equity P29

Improving position over 2021-2025 · n=3542-12495

Gross operating margin P24

Improving position over 2021-2025 · n=3527-12474

Describes the position versus peers, not a forecast.

EBITDA

€21k

+70.6% 21-25

Net profit

€12k

- 21-25

Cash flow

€15k

+30.3% 21-25

Total assets

€39k

+46.0% 21-25

Equity

€23k

+112.8% 21-25

Working capital

€19k

+173.0% 21-25

Staff costs

€1k

+68.0% 21-25

Income taxes

€6k

+842.1% 21-25

Show 10 other metrics

Debt

€17k

+2.8% 21-25

Debt ≤ 1y

€17k

+10.7% 21-25

Debt > 1y

€0

-100.0% 21-25

Current ratio

2.10

+45.3% 21-25

Quick ratio

2.10

+45.3% 21-25

Solvency

57.2%

+45.8% 21-25

Debt / equity

0.75

-51.7% 21-25

ROE

53.0%

- 21-25

ROA

30.3%

- 21-25

Interest coverage

164.40

+194.0% 21-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€21k
Net profit	€12k
Cash flow	€15k
Staff costs	-
Income taxes	€6k
Dividends	-
Total assets	€39k
Equity	€23k
Debt	€17k
of which ≤ 1y	€17k
of which > 1y	€0
Working capital	€19k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.10
Quick ratio	2.10
Working capital ratio	47.3%
Solvency	57.2%
Debt / equity	0.75
Long-term debt ratio	0.00
Interest coverage	164.40
Gross margin	-
Net margin	-
ROA	30.3%
ROE	53.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €4k · 10.0% Current assets €35k · 90.0%

Equity & liabilities

Equity €23k · 57.2% Debt €17k · 42.8%

Full annual accounts (23 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	€39k
Fixed assets	21/28	€4k
Tangible fixed assets	22/27	€4k
Current assets	29/58	€35k
Amounts receivable within one year	40/41	€2k
Cash & bank	54/58	€33k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€39k
Equity	10/15	€23k
Contributions / capital	10/11	€3k
Reserves	13	€12k
Accumulated profits (losses)	14	€8k
Amounts payable	17/49	€17k
Amounts payable after one year	17	€0
Amounts payable within one year	42/48	€17k
Trade debts payable within one year	44	€340
Income statement
Gross operating margin	9900	€22k
Operating result	9901	€18k
Financial income	75	€23
Financial charges	65	€129
Result before taxes	9903	€18k
Income taxes	67/77	€6k
Net result for the period	9904	€12k
Result to be appropriated	9905	€12k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

100 / 100 Excellent

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.

Rue du Cerisier 31435 Mont-Saint-Guibert

Establishment units

1 location

SIMPLY 3P

Rue du Cerisier 3, 1435 Mont-Saint-GuibertOverige dienstverlenende activiteiten op het gebied van informatie, n.e. g.

since 20212.327.905.968

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

Parcels1

Ground area1,382 m²

Buildings1

Building footprint111 m²

Volume (LiDAR)726 m³

Tallest building9.2 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%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25040A0011/00D007	Wallonia	1,382 m²	1 · 111 m²	9.2 m · 2 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 measured

94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 98

Growth 78

Stability 94

Credit advice

verdict per customer and amount

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We hold annual accounts for 15,456 of the 82,029 companies in this sector. 11,903 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Risicoanalisten en schadetaxateurs66210Activiteiten van risicoanalisten en schadetaxateurs66210Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300

Primary activity highlighted.

Names & trade names

Legal nameFR	SIMPLY 3P
AbbreviationFR	S-3P

Registered office

Rue du Cerisier 3

1435 Mont-Saint-Guibert, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.