This paper presents numerical two-dimensional results for fine-grained concrete under quasi-static three-point bending at meso-scale. Concrete was modelled as a random heterogeneous three-phase material. The simulations for notched concrete beams were carried out with the standard finite element method using an isotropic damage constitutive model enhanced by a characteristic length of micro-structure by means of a non-local theory. The effect of the volume fraction, shape, size, statistical distribution and stiffness of aggregate was analysed. Moreover, the effect of the bond thickness, notch size and characteristic length of micro-structure on the material behaviour was numerically investigated. The FE results were compared with own laboratory test results and other meso-scale calculations for three-phase concrete elements.