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Hello, I am Leonielhou, an Independent Advisor and a user like you, I am happy to help clarify any questions you may have.
modify your current formula to include a TEXT function with a format code of "0000.00.00.00". This will force Excel to display the leading zero even if it's stripped by the SUBSTITUTE function.
=IF(LEN(SUBSTITUTE(K3,".",""))=9, CONCATENATE("0", ".", TEXT(SUBSTITUTE(K3,".",""),"0000.00.00.00")), TEXT(SUBSTITUTE(K3,".",""),"0000.00.00.00"))