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.
Financials
Financial year 2025
3KEYS INVEST from Lennik, company number BE0776658511, closed financial year 2025 with a result of € -47,016 after tax. For that financial year 3KEYS INVEST recorded a gross margin of € -32,325 and equity of € -96,896. Compared with financial year 2024, the result moved from € -39,647 to € -47,016. 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.
€ -96,896
▼ € 47,016 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -47,016
▼ 19 % more loss than in 2024
Profit after tax over the fiscal year.
€ 2,271
▼ 80% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -147,296.
Debts at end 2025
€ 1.4 million
▲ 89% vs 2024
Loans from banks and other lenders, long and short.
€ 5,324
▼ 90% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,349
▼ 42% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -12,827 | € -25,870 | € -26,640 | € -32,325 | ▼ € 5,684 |
| Profit after taxes | € -19,738 | € -40,895 | € -39,647 | € -47,016 | ▼ € 7,369 |
| Equity | € 30,662 | € -10,233 | € -49,880 | € -96,896 | ▼ € 47,016 |
| Total debts | € 383,189 | € 440,236 | € 811,122 | € 1,425,673 | ▲ 76% |
| Cash | € 4,956 | € 15,750 | € 11,611 | € 2,271 | ▼ 80% |
| Land & buildings | € 367,400 | € 367,400 | € 749,631 | € 1,319,754 | ▲ 76% |
| Retained profit | € -19,738 | € -60,633 | € -100,280 | € -147,296 | ▼ € 47,016 |
| Bank debt | € 339,000 | € 334,000 | € 746,500 | € 1,414,000 | ▲ 89% |
| Balance sheet total | € 413,851 | € 430,003 | € 761,242 | € 1,328,777 | ▲ 75% |
Key figures of 3KEYS INVEST, 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 3KEYS INVEST?
What happened at 3KEYS INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 47,016. Source: NBB ↗
- New establishment in Lennik. KBO
- Philip Simons became a director. NBB
- Philip Van Hover became a director. NBB
- Grain Ip BV became a director. NBB
- Ter Vondelen Invest BV became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 19,738 loss in 2022 to € 47,016 loss in 2025.
Paid € 0 in corporate taxes since 2022.
Management
The stake of TER VONDELEN INVEST, GRAIN IP comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
3KEYS INVESTBehind 3KEYS INVEST are Philip Simons, Philip Van Hover, Grain Ip BV and Ter Vondelen Invest BV. The shares are held by TER VONDELEN INVEST (25%) and GRAIN IP.
Directors
According to the 2025 annual accounts
Philip Simons
Director
since 2021
since 2021
Director · represented by Lieven Van Hoe
since 2021
Director · represented by Ruben Vanheste
Also active at: Hymont Capital, IMMO RH
since 2021
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Alfred Algoetstraat 8 box 1
1750 Lennik
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.
Details
- Company number
- 0776.658.511
- VAT number
- BE 0776.658.511
- Registered office
- Alfred Algoetstraat 8 bus 1, 1750 Lennik
- Names & denominations
- 3KEYS INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 October 2021
- Peppol
- Active · Active since 8 Oct 2025
- Activities · NACE
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