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 2 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 1 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
76 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
3T Finance from Oudergem, company number BE0678654362, closed financial year 2025 with a result of € -4.1 million after tax. For that financial year 3T Finance recorded a gross margin of € -16,725 and equity of € -5.9 million. Compared with financial year 2024, the result moved from € -2.3 million to € -4.1 million. 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 30, 2026.
€ -5.9 million
▼ € 4.1 million vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -4.1 million
▼ 73 % more loss than in 2024
Profit after tax over the fiscal year.
€ 54,638
▲ € 53,353 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -33.7 million.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 9
▼ € 8,254 vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -23,108 | € -13,128 | € 164,633 | € -16,725 | ▼ € 181,358 |
| Profit after taxes | € -725,915 | € -23,467,761 | € -2,348,033 | € -4,073,334 | ▼ € 1.7 million |
| Equity | € 23,984,590 | € 516,829 | € -1,831,204 | € -5,904,538 | ▼ € 4.1 million |
| Total debts | € 13,423,018 | € 10,573,031 | € 11,533,109 | € 11,965,108 | ▲ 4% |
| Cash | € 12,584 | € 20,622 | € 1,284 | € 54,638 | ▲ € 53,353 |
| Retained profit | € -3,765,410 | € -27,233,171 | € -29,581,204 | € -33,654,538 | ▼ € 4.1 million |
| Bank debt | € 366,920 | € 221,923 | € 74,571 | € 0 | ▼ 100% |
| Balance sheet total | € 37,407,608 | € 11,089,859 | € 9,701,904 | € 6,060,569 | ▼ 38% |
Key figures of 3T Finance, 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 3T Finance?
What happened at 3T Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 4.1 million. Source: NBB ↗
- Yves DESIRONT stepped down as director. NBB
- Frédéric PAUL stepped down as director. NBB
- Yves DESIRONT became a director. NBB
- Frédéric PAUL became a director. NBB
- New establishment in Oudergem. KBO
- Start of the company according to the CBE. KBO
In short
From € 725,915 loss in 2022 to € 4.1 million loss in 2025.
A new publication or filing at 3T Finance? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of FPB FINANCEMENT, FPB Advisory and Services, GX HOLDING comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
3T FinanceThe shares are held by FPB FINANCEMENT (84%), FPB Advisory and Services (15%) and GX HOLDING (1%). It owns 94.4% of PYROCORE, 90% of 3T PORTUGAL SGPS, 80.5% of BE BURGER, 52.3% of SAILSENSE ANALYTICS and 40.7% of NOHO.CARE itself.
Directors
According to the 2025 annual accounts
since 2023 · until 2026
Frédéric PAUL
Managing director
since 2023 · until 2026
Shareholders
Participations
Establishments
Establishment units
Physical locations of this company
Herrmann-Debrouxlaan 54
1160 Oudergem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 76 companies are registered at this address.
All companies at this address →Société de saint-Vincent-de-Paul, Conseil national de Belgique(Sint-Vincentius a Paulo Vereniging, Nationale Raad van België
€ 1.2 million gross margin · 2025
ABA MANAGEMENT
€ 78,749 gross margin · 2025
GROUP P - OVERNAME - TRANSMISSION
€ 90,311 gross margin · 2024
SCOOP AGENCY
€ -9,670 gross margin · 2025
BELGIUM PARCELS SERVICE
€ 1.4 million gross margin · 2024
+71 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0678.654.362
- VAT number
- BE 0678.654.362
- Registered office
- Herrmann-Debrouxlaan 54, 1160 Oudergem
- Names & denominations
- 3T Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 17 July 2017
- Peppol
- Active · Active since 21 Nov 2025