ACTIVE

GROUPE 3D

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Financial year 2025 · closed on 30/11/2025

Net result

-62,5 k €

-115.3% YoY

Gross margin

448,3 k €

-10.3% YoY

Equity

4,2 M €

-13.7% YoY

Workforce

8,9 ETP

+58.9% YoY

What does GROUPE 3D do?

GROUPE 3D is a Public limited company incorporated in 2008. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Namur. It employs on average 8,9 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0898.814.965

Incorporation

26/06/2008

Legal form

Public limited company

Registered office

Chaussée de Marche(EP) 486
5101 Namur · WallonieSee on map

Contributed capital

618 450,00 €

Latest accounts

30/11/2025

Average workforce

8,9 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (1)

Signals

Solid equityPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

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✦ Verdict · Analyst summary

Financials

Trend over 17 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009
Income statement
Gross margin	448,3 k €	-10.3%	499,7 k €	-28.4%	698,2 k €	-6.8%	749,1 k €	-29.3%	1,1 M €	+43.3%	739,5 k €	+41.4%	523,2 k €	-12.1%	595 k €	-8.6%	651,3 k €	+5.2%	619,4 k €	+38.9%	445,9 k €	-30.0%	637,2 k €	+58.0%	403,4 k €	-1.6%	409,9 k €	-8.0%	445,4 k €	+20.0%	371,1 k €	-10.5%	414,8 k €
EBITDA	19,1 k €	-91.9%	236 k €	-47.9%	453 k €	-10.5%	505,9 k €	-33.7%	763,2 k €	+57.8%	483,7 k €	+56.2%	309,7 k €	+8.2%	286,2 k €	-14.7%	335,6 k €	-20.2%	420,4 k €	+26.9%	331,4 k €	-31.0%	480,2 k €	+67.3%	287,1 k €	+3.4%	277,5 k €	-14.3%	323,7 k €	+48.0%	218,7 k €	-23.6%	286,1 k €
Operating result	-60,9 k €	-135%	175,2 k €	-56.8%	405,9 k €	-16.2%	484,6 k €	-34.6%	740,7 k €	+61.7%	458 k €	+57.0%	291,7 k €	+6.5%	274 k €	-17.8%	333,2 k €	-19.1%	412,1 k €	+28.4%	320,9 k €	-31.7%	469,8 k €	+74.8%	268,7 k €	+3.7%	259,2 k €	-19.9%	323,7 k €	+52.7%	212 k €	-22.6%	273,7 k €
Net result	-62,5 k €	-115%	407,5 k €	-8.1%	443,2 k €	+42.7%	310,6 k €	-38.1%	501,4 k €	+83.3%	273,5 k €	+61.8%	169,1 k €	+19.1%	141,9 k €	-16.3%	169,6 k €	-22.2%	217,9 k €	+42.1%	153,3 k €	-35.5%	237,6 k €	+141%	98,4 k €	+14.1%	86,3 k €	-35.7%	134,2 k €	+125%	59,6 k €	-15.4%	70,4 k €
Balance sheet
Equity	4,2 M €	-13.7%	4,8 M €	-0.3%	4,9 M €	+10.1%	4,4 M €	+2.6%	4,3 M €	+7.5%	4 M €	+3.2%	3,9 M €	+4.6%	3,7 M €	+215%	1,2 M €	+4.4%	1,1 M €	+9.5%	1 M €	+3.3%	995,1 k €	+60.8%	619 k €	-15.3%	730,6 k €	+13.4%	644,3 k €	+26.3%	510 k €	+4.0%	490,4 k €
Total assets	9,8 M €	-2.7%	10,1 M €	+10.9%	9,1 M €	+4.3%	8,7 M €	-2.7%	9 M €	+19.1%	7,5 M €	+14.0%	6,6 M €	+1.8%	6,5 M €	+72.0%	3,8 M €	+5.3%	3,6 M €	-2.5%	3,7 M €	-3.2%	3,8 M €	+8.2%	3,5 M €	-1.0%	3,5 M €	+0.3%	3,5 M €	+21.0%	2,9 M €	+5.5%	2,8 M €
Cash	24,8 k €	-95.6%	559,6 k €	+661%	73,5 k €	-68.8%	235,5 k €	-77.8%	1,1 M €	+103%	523,4 k €	+280%	137,8 k €	-39.4%	227,6 k €	+279%	60,1 k €	+1004%	5,4 k €	-95.0%	109,6 k €	-44.8%	198,5 k €	+1235%	14,9 k €	-56.4%	34,1 k €	-59.5%	84,2 k €	+107%	40,7 k €	+637%	5,5 k €
Debts	5,6 M €	+7.1%	5,2 M €	+23.8%	4,2 M €	-1.6%	4,3 M €	-7.5%	4,7 M €	+32.5%	3,5 M €	+28.9%	2,7 M €	-1.9%	2,8 M €	+7.2%	2,6 M €	+5.7%	2,5 M €	-6.3%	2,6 M €	-6.1%	2,8 M €	-3.3%	2,9 M €	+2.8%	2,8 M €	-2.7%	2,9 M €	+20.2%	2,4 M €	+7.1%	2,2 M €
Other
Workforce	8,9 ETP	+58.9%	5,6 ETP	-6.7%	6,0 ETP	+3.4%	5,8 ETP	-14.7%	6,8 ETP	+13.3%	6,0 ETP	+42.9%	4,2 ETP	-16.0%	5,0 ETP	0.0%	5,0 ETP	+66.7%	3,0 ETP	0.0%	3,0 ETP	+42.9%	2,1 ETP	+23.5%	1,7 ETP	-10.5%	1,9 ETP	0.0%	1,9 ETP	-17.4%	2,3 ETP	+53.3%	1,5 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 30/11/2025 · 4 active · 26 ended

Active mandates

CAROLINE HUBIN

Director · since 01 mars 2024

Active

Christophe MURACCINI

Director · since 17 septembre 2020

Active

FREDERIC PAULY

Director · since 07 février 2019

Active

PHILIPPE DENIS

Director · since 26 juin 2008

Active

Ended mandates

REDOUANE FARIH

Director · since 01 octobre 2023

Ended

ALAIN GAUSSIN

Director · since 01 janvier 2023

Ended

Daniel NEURET

Director · since 22 juillet 2021 · until 10 avril 2026

Ended

DANIEL NEURET

Director · since 22 juillet 2021 · until 01 avril 2026

Ended

At this address

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FIVE WALIMMO● Active	0461.835.905
MC MARINO● Active	0780.353.320
Odealim Belgium HoldCo● Active	1035.949.310

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	01/12/2024	01/12/2023	01/12/2022	01/12/2021	01/12/2020	01/12/2019
Closing of the financial year	30/11/2025	30/11/2024	30/11/2023	30/11/2022	30/11/2021	30/11/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	30/06/2026	26/05/2025	20/08/2024	30/06/2023	29/07/2022	05/05/2021
General meeting	10/04/2026	11/04/2025	12/04/2024	14/04/2023	08/04/2022	09/04/2021
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

17 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	30/11/2025	10/04/2026	30/06/2026	French	PDF
Abridged model	30/11/2024	11/04/2025	26/05/2025	French	PDF
Abridged model	30/11/2023	12/04/2024	20/08/2024	French	PDF
Abridged model	30/11/2022	14/04/2023	30/06/2023	French	PDF
Abridged model	30/11/2021	08/04/2022	29/07/2022	French	PDF
Abridged model	30/11/2020	09/04/2021	05/05/2021	French	PDF
Abridged model	30/11/2019	29/05/2020	29/06/2020	French	PDF
Abridged model	30/11/2018	30/04/2019	01/06/2019	French	PDF
Abridged model	30/11/2017	13/04/2018	20/06/2018	French	PDF
Abridged model	30/11/2016	14/04/2017	21/06/2017	French	PDF
Abridged model	30/11/2015	08/04/2016	04/07/2016	French	PDF
Abridged model	30/11/2014	30/01/2015	27/02/2015	French	PDF
Abridged model	30/11/2013	11/04/2014	28/05/2014	French	PDF
Abridged model	30/11/2012	12/04/2013	15/07/2013	French	PDF
Abridged model	30/11/2011	13/04/2012	26/07/2012	French	PDF
Abridged model	30/11/2010	08/04/2011	23/06/2011	French	PDF
Abridged model	30/11/2009	09/04/2010	22/06/2010	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 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 30/11/2025 · 4 active · 26 ended

Active mandates

CAROLINE HUBIN

Director · since 01 mars 2024

Active

Christophe MURACCINI

Director · since 17 septembre 2020

Active

FREDERIC PAULY

Director · since 07 février 2019

Active

PHILIPPE DENIS

Director · since 26 juin 2008

Active

Ended mandates

REDOUANE FARIH

Director · since 01 octobre 2023

Ended

ALAIN GAUSSIN

Director · since 01 janvier 2023

Ended

Daniel NEURET

Director · since 22 juillet 2021 · until 10 avril 2026

Ended

DANIEL NEURET

Director · since 22 juillet 2021 · until 01 avril 2026

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Mandates29/01/2026
DEMISSIONS, NOMINATIONS
PDF
Mandates06/03/2025
DEMISSIONS, NOMINATIONS
PDF
Mandates03/07/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates30/04/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates15/04/2024
DEMISSIONS, NOMINATIONS
PDF
Mandates10/10/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates06/06/2023
DEMISSIONS, NOMINATIONS
PDF
Mandates13/02/2023
DEMISSIONS, NOMINATIONS
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 2025-62,5 k €↓
2024
Annual accounts 2024407,5 k €↓
2023
Annual accounts 2023443,2 k €↑
2022
Annual accounts 2022310,6 k €↓
2021
Annual accounts 2021501,4 k €↑
2020
Annual accounts 2020273,5 k €↑
2019
Annual accounts 2019169,1 k €↑
2018
Annual accounts 2018141,9 k €↓
2017
Annual accounts 2017169,6 k €↓
2016
Annual accounts 2016217,9 k €↑
2015
Annual accounts 2015153,3 k €↓
2014
Annual accounts 2014237,6 k €↑
2013
Annual accounts 201398,4 k €↑
2012
Annual accounts 201286,3 k €↓
2011
Annual accounts 2011134,2 k €↑
2010
Annual accounts 201059,6 k €↓
2009
Annual accounts 200970,4 k €
26/06/2008
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

GROUPE 3D

Overview

What does GROUPE 3D do?

Trend over 17 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