What does THREE CAPITAL do?

THREE CAPITAL is an insurance broker in Chaumont-Gistoux. Private Limited, started on 4 September 2013, 1 establishment.

What is the address of THREE CAPITAL?

The registered office of THREE CAPITAL is located at Rue des Bruyères 89 box A, 1325 Chaumont-Gistoux.

Is THREE CAPITAL still active?

Yes. According to the CBE (29 October 2026) THREE CAPITAL is active, legal situation “Normale toestand”, started on 4 September 2013.

Is THREE CAPITAL registered on Peppol?

No, THREE CAPITAL is currently not registered on the Peppol network.

What is the enterprise number of THREE CAPITAL?

The enterprise number of THREE CAPITAL is BE0537944479.

When was THREE CAPITAL founded?

THREE CAPITAL was founded on 4 September 2013.

Who are the directors of THREE CAPITAL?

According to the 2025 annual accounts, the directors of THREE CAPITAL are: BROPHIL SRL.

Is THREE CAPITAL a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 4 September 2013; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did THREE CAPITAL make in 2025?

THREE CAPITAL recorded a loss after taxes of € 28,037 in financial year 2025.

What is the revenue of THREE CAPITAL?

As a small company, THREE CAPITAL is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 49,307.

How much does an employee at THREE CAPITAL earn?

The average wage cost per full-time employee at THREE CAPITAL was € 46,700 in 2025: staff costs of € 60,730 for 1.3 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does THREE CAPITAL have?

According to the 2025 annual accounts, THREE CAPITAL has 1.3 full-time equivalents (FTE).

THREE CAPITAL (Private Limited) - Chaumont-Gistoux

Dossier THREE CAPITAL, printed on 29 October 2026 from databakkes.be/en/0537944479/three-capital. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Negative equity NBB

More debt than assets in 4 of the last 4 fiscal years.
Two loss years in a row NBB

Negative result in 2023 and 2025.
Tight liquidity NBB

Cash and receivables cover 14 % of short-term debt in 2025; threshold 65 %.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

THREE CAPITAL from Chaumont-Gistoux, company number BE0537944479, closed financial year 2025 with a result of € -28,037 after tax. For that financial year THREE CAPITAL recorded a gross margin of € 49,307 and equity of € -49,642. Compared with financial year 2023, the result moved from € -17,828 to € -28,037. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.

What it is worth Caution

€ -49,642

▼ € 25,879 vs 2023

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -28,037

▼ 57 % more loss than in 2023

Profit after tax over the fiscal year.

Cash in the bank

€ 7,942

▲ 140% vs 2023

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -55,842.

People and assets in 2025

Full-time equivalents

1.3

▲ 0.8 vs 2023

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 60,730

▲ 157% vs 2023

€ 46,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 9

▼ 95% vs 2023

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 4 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 134,779

▲ € 133,532 vs 2023

€ 35,890 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.

Owed to suppliers

€ 2,159

▼ 73% vs 2023

Supplier invoices still open on the last day of the fiscal year.

Wages and social charges

€ 13,104

▲ 86% vs 2023

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2021	2022	2023	2025	Change 2023 → 2025
Gross margin	€ 21,943 Gross margin 2021: € 21,943 First fiscal year in the series	€ 20,673 Gross margin 2022: € 20,673 ▼ 6% vs 2021 (€ 21,943) Unfavourable step	€ 9,546 Gross margin 2023: € 9,546 ▼ 54% vs 2022 (€ 20,673) Unfavourable step	€ 49,307 Gross margin 2025: € 49,307 ▲ € 39,761 vs 2023 (€ 9,546) Favourable step	▲ € 39,761
Profit after taxes	€ -1,231 Profit after taxes 2021: € -1,231 First fiscal year in the series	€ -4,221 Profit after taxes 2022: € -4,221 ▼ € 2,990 vs 2021 (€ -1,231) Unfavourable step	€ -17,828 Profit after taxes 2023: € -17,828 ▼ € 13,607 vs 2022 (€ -4,221) Unfavourable step	€ -28,037 Profit after taxes 2025: € -28,037 ▼ € 10,209 vs 2023 (€ -17,828) Unfavourable step	▼ € 10,209
Equity	€ -1,713 Equity 2021: € -1,713 First fiscal year in the series	€ -5,935 Equity 2022: € -5,935 ▼ € 4,221 vs 2021 (€ -1,713) Unfavourable step	€ -23,763 Equity 2023: € -23,763 ▼ € 17,828 vs 2022 (€ -5,935) Unfavourable step	€ -49,642 Equity 2025: € -49,642 ▼ € 25,879 vs 2023 (€ -23,763) Unfavourable step	▼ € 25,879
Total debts	€ 46,115 Total debts 2021: € 46,115 First fiscal year in the series	€ 47,031 Total debts 2022: € 47,031 ▲ 2% vs 2021 (€ 46,115) Unfavourable step	€ 43,617 Total debts 2023: € 43,617 ▼ 7% vs 2022 (€ 47,031) Favourable step	€ 161,269 Total debts 2025: € 161,269 ▲ 270% vs 2023 (€ 43,617) Unfavourable step	▲ 270%
Cash	€ 24,780 Cash 2021: € 24,780 First fiscal year in the series	€ 24,149 Cash 2022: € 24,149 ▼ 3% vs 2021 (€ 24,780) Unfavourable step	€ 3,310 Cash 2023: € 3,310 ▼ 86% vs 2022 (€ 24,149) Unfavourable step	€ 7,942 Cash 2025: € 7,942 ▲ 140% vs 2023 (€ 3,310) Favourable step	▲ 140%
Retained profit	€ -7,913 Retained profit 2021: € -7,913 First fiscal year in the series	€ -12,135 Retained profit 2022: € -12,135 ▼ € 4,221 vs 2021 (€ -7,913) Unfavourable step	€ -29,963 Retained profit 2023: € -29,963 ▼ € 17,828 vs 2022 (€ -12,135) Unfavourable step	€ -55,842 Retained profit 2025: € -55,842 ▼ € 25,879 vs 2023 (€ -29,963) Unfavourable step	▼ € 25,879
Bank debt	€ 1,222 Bank debt 2021: € 1,222 First fiscal year in the series	€ 1,237 Bank debt 2022: € 1,237 ▲ 1% vs 2021 (€ 1,222) Unfavourable step	€ 1,247 Bank debt 2023: € 1,247 ▲ 1% vs 2022 (€ 1,237) Unfavourable step	€ 134,779 Bank debt 2025: € 134,779 ▲ € 133,532 vs 2023 (€ 1,247) Unfavourable step	▲ € 133,532
Balance sheet total	€ 44,401 Balance sheet total 2021: € 44,401 First fiscal year in the series	€ 41,096 Balance sheet total 2022: € 41,096 ▼ 7% vs 2021 (€ 44,401) Unchanged	€ 19,854 Balance sheet total 2023: € 19,854 ▼ 52% vs 2022 (€ 41,096) Unchanged	€ 111,626 Balance sheet total 2025: € 111,626 ▲ € 91,772 vs 2023 (€ 19,854) Unchanged	▲ € 91,772
Employees (FTE)	0.5 Employees (FTE) 2021: 0.5 First fiscal year in the series	0.5 Employees (FTE) 2022: 0.5 Unchanged (0.5) Unchanged	0.5 Employees (FTE) 2023: 0.5 Unchanged (0.5) Unchanged	1.3 Employees (FTE) 2025: 1.3 ▲ 0.8 vs 2023 (0.5) Unchanged	▲ 0.8

Key figures of THREE CAPITAL, fiscal years 2021 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to THREE CAPITAL?

What happened at THREE CAPITAL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 31, 2026 New annual accounts for financial year 2025: loss of € 28,037. filed late Source: NBB ↗
Oct 10, 2013 New establishment in Chaumont-Gistoux. KBO
Sep 4, 2013 Start of the company according to the CBE. KBO

In short

From € 1,231 loss in 2021 to € 28,037 loss in 2025.

Paid € 1,883 in corporate taxes since 2021.

On average € 37,900 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

BROPHIL 50%

The stake of BROPHIL comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

THREE CAPITAL

Behind THREE CAPITAL is BROPHIL SRL. The shares are held by BROPHIL (50%).

Directors

According to the 2025 annual accounts

BROPHIL SRL

Director · represented by Philippe VAN ERKEL

Shareholders

BROPHIL

50%

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Rue des Bruyères 89 box A

1325 Chaumont-Gistoux

2.222.668.688

Rue des Bruyères 89

1325 Chaumont-Gistoux

Active since 10 October 2013

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.

All companies at this address →

BROPHIL same network

€ -3,466 gross margin · 2025

PROGRESSIO MANAGEMENT

€ 177,621 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0537.944.479
VAT number: BE 0537.944.479
Registered office: Rue des Bruyères 89 bus A, 1325 Chaumont-Gistoux
Names & denominations: THREE CAPITAL
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 4 September 2013
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗