Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 29 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
3B Constructions et Toitures from Lens (Hainaut), company number BE0634757112, closed financial year 2025 with a result of € -91,349 after tax. For that financial year 3B Constructions et Toitures recorded a gross margin of € 262,308 and equity of € -76,527. Compared with financial year 2024, the result moved from € -18,902 to € -91,349. 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 July 24, 2026.
€ -76,527
▼ € 91,349 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -91,349
▼ 383 % more loss than in 2024
Profit after tax over the fiscal year.
€ 46,116
▲ € 40,908 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -135,277.
People and assets in 2025
€ 270,504
▲ 141% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 56,739
▲ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.1 million
€ 166,553 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 124,483
▼ 44% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,893
▲ 217% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -7,508 | € 59,979 | € 148,727 | € 262,308 | ▲ 76% |
| Profit after taxes | € -9,320 | € 11,625 | € -18,902 | € -91,349 | ▼ € 72,447 |
| Equity | € -17,900 | € -6,275 | € 14,823 | € -76,527 | ▼ € 91,349 |
| Total debts | € 176,105 | € 438,376 | € 2,206,757 | € 2,219,998 | ▲ 1% |
| Cash | € 3,918 | € 9,414 | € 5,208 | € 46,116 | ▲ € 40,908 |
| Retained profit | € -36,650 | € -25,025 | € -43,927 | € -135,277 | ▼ € 91,349 |
| Bank debt | € 30,000 | € 30,000 | € 1,124,922 | € 1,122,596 | |
| Balance sheet total | € 158,205 | € 432,101 | € 2,221,579 | € 2,143,471 | ▼ 4% |
| Employees (FTE) | - | - | 3.1 | - |
Key figures of 3B Constructions et Toitures, fiscal years 2022 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 3B Constructions et Toitures?
What happened at 3B Constructions et Toitures in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 91,349. Source: NBB ↗
- André Merlin became a director. NBB
- Lionel Merlin became a director. NBB
- New establishment in Lens (Hainaut). KBO
- Start of the company according to the CBE. KBO
In short
From € 9,320 loss in 2022 to € 91,349 loss in 2025.
Paid € 1,063 in corporate taxes since 2022.
Best year ever: 2023, with € 11,625 profit.
On average € 48,000 of value added per employee in 2024.
Management
The stake of STERLINE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
3B Constructions et ToituresBehind 3B Constructions et Toitures are André Merlin and Lionel Merlin. The shares are held by STERLINE (40%).
Directors
According to the 2025 annual accounts
André Merlin
Director
since 2021
since 2021
Shareholders
40%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Grand'Place(L) 17
7870 Lens (Hainaut)
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 →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
AS-HOSTINGER, CY
DNS
Cloudflare DNS
Website info
Features
Security
Details
- Company number
- 0634.757.112
- VAT number
- BE 0634.757.112
- Registered office
- Grand'Place(L) 17, 7870 Lens (Hainaut)
- Names & denominations
- 3B Constructions et Toitures · S.H.I.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 31 July 2015
- Peppol
- Active · Active since 24 Sept 2024
- Contact
- 3bconstructions.be
- Activities · NACE
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