ACTIVE

3T Finance

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Financial year 2025 · closed on 31/12/2025

Net result

-4,1 M €

-73.5% YoY

Gross margin

-16,7 k €

-110.2% YoY

Equity

-5,9 M €

-222.4% YoY

What does 3T Finance do?

3T Finance is a Public limited company incorporated in 2017. Its registered office is in Auderghem.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0678.654.362

Incorporation

17/07/2017

Legal form

Public limited company

Registered office

Avenue Herrmann-Debroux 54
1160 Auderghem · BruxellesSee on map

Contributed capital

27 750 000,00 €

Latest accounts

31/12/2025

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 8 financial years

	2025		2024		2023		2022		2021		2020		2019		2018
Income statement
Gross margin	-16,7 k €	-110%	164,6 k €	+1354%	-13,1 k €	+43.2%	-23,1 k €	+71.5%	-81 k €	+2.1%	-82,7 k €	-65.4%	-50 k €	+39.1%	-82,1 k €
EBITDA	-17,7 k €	-111%	163,6 k €	+1252%	-14,2 k €	+40.8%	-24 k €	+70.7%	-82 k €	+2.3%	-83,9 k €	-66.6%	-50,3 k €	+40.8%	-85,1 k €
Operating result	-17,7 k €	-111%	163,6 k €	+1252%	-14,2 k €	+40.8%	-24 k €	+95.0%	-482,9 k €	+17.6%	-586 k €	-62.2%	-361,2 k €	-325%	-85,1 k €
Net result	-4,1 M €	-73.5%	-2,3 M €	+90.0%	-23,5 M €	-3133%	-725,9 k €	+82.8%	-4,2 M €	-155%	7,6 M €	+1995%	364 k €	-96.0%	9,2 M €
Balance sheet
Equity	-5,9 M €	-222%	-1,8 M €	-454%	516,8 k €	-97.8%	24 M €	-2.9%	24,7 M €	-7.6%	26,7 M €	+20.1%	22,3 M €	+5.0%	21,2 M €
Total assets	6,1 M €	-37.5%	9,7 M €	-12.5%	11,1 M €	-70.4%	37,4 M €	-0.9%	37,8 M €	-3.4%	39,1 M €	+8.8%	35,9 M €	-17.3%	43,4 M €
Cash	54,6 k €	+4154%	1,3 k €	-93.8%	20,6 k €	+63.9%	12,6 k €	-94.4%	224,8 k €	-85.2%	1,5 M €	+356%	332,8 k €	+2.3%	325,4 k €
Debts	12 M €	+6.6%	11,2 M €	+7.9%	10,4 M €	-21.0%	13,2 M €	+4.1%	12,7 M €	+3.9%	12,2 M €	-10.8%	13,7 M €	-38.4%	22,2 M €

Estimate

Indicative valuation

As an indication, this company is worth

between 100 k€ and 250 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 6 ended

Active mandates

Frédéric PAUL

Managing director · since 06 décembre 2023 · until 02 juin 2026

Active

Yves DESIRONT

Director · since 06 décembre 2023 · until 02 juin 2026

Active

Ended mandates

Frédéric PAUL

Managing director · since 14 juillet 2017 · until 06 juin 2023

Ended

Frédéric PAUL

Managing director · since 14 juillet 2017 · until 06 décembre 2023

Ended

Henri DE MEYER

Director · since 14 juillet 2017 · until 20 mai 2022

Ended

Henri DE MEYER

Director · since 14 juillet 2017 · until 06 juin 2023

Ended

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Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	30/07/2026	20/08/2025	23/01/2025	13/12/2023	21/11/2022	14/11/2022
General meeting	20/07/2026	30/07/2025	19/12/2024	06/12/2023	18/11/2022	28/10/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

9 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	20/07/2026	30/07/2026	French	PDF
Abridged model	31/12/2024	30/07/2025	20/08/2025	French	PDF
Abridged model	31/12/2023	19/12/2024	23/01/2025	French	PDF
Abridged model	31/12/2022	06/12/2023	13/12/2023	French	PDF
Abridged model	31/12/2021	18/11/2022	21/11/2022	French	PDF
Abridged modelCorrection	31/12/2020	28/10/2021	14/11/2022	French	PDF
Abridged model	31/12/2020	28/10/2021	28/10/2021	French	PDF
Abridged model	31/12/2019	13/11/2020	27/11/2020	French	PDF
Abridged model	31/12/2018	09/10/2019	06/12/2019	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 100 k€ and 250 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 6 ended

Active mandates

Frédéric PAUL

Managing director · since 06 décembre 2023 · until 02 juin 2026

Active

Yves DESIRONT

Director · since 06 décembre 2023 · until 02 juin 2026

Active

Ended mandates

Frédéric PAUL

Managing director · since 14 juillet 2017 · until 06 juin 2023

Ended

Frédéric PAUL

Managing director · since 14 juillet 2017 · until 06 décembre 2023

Ended

Henri DE MEYER

Director · since 14 juillet 2017 · until 20 mai 2022

Ended

Henri DE MEYER

Director · since 14 juillet 2017 · until 06 juin 2023

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Registered office13/05/2025
SIEGE SOCIAL
PDF
Registered office15/01/2025
SIEGE SOCIAL
PDF
Mandates29/12/2023
DEMISSIONS, NOMINATIONS
PDF
Registered office29/11/2023
SIEGE SOCIAL
PDF
Mandates10/02/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates30/06/2022
DEMISSIONS, NOMINATIONS
PDF
Mandates12/02/2020
DEMISSIONS, NOMINATIONS
PDF
Other19/07/2017
RUBRIQUE CONSTITUTION (NOUVELLE PERSONNE MORALE, OUVERTURE SUCCURSALE, ETC...)
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 2025-4,1 M €↓
2024
Annual accounts 2024-2,3 M €↑
2023
Annual accounts 2023-23,5 M €↓
2022
Annual accounts 2022-725,9 k €↑
2021
Annual accounts 2021-4,2 M €↓
2020
Annual accounts 20207,6 M €↑
2019
Annual accounts 2019364 k €↓
2018
Annual accounts 20189,2 M €
17/07/2017
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

3T Finance

Overview

What does 3T Finance do?

Trend over 8 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline