Summary
3MConsult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €104k and a net result of €-3k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 81% of 9863 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-03-2025, 139 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
139 d early
2023
37 d early
2022
41 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€104k▼ 3.1%
2023 · €107k
2022: €73k
2023: €107k
2022 → 2024
Net result
€-3k
2023 · €34k
2022: €70k
2023: €34k
2022 → 2024
Total assets
€123k▲ 4.1%
2023 · €118k
2022: €96k
2023: €118k
2022 → 2024
Solvency
84.2%▼ 6.3pp
2023 · 90.5%
2022: 76.9%
2023: 90.5%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€73k-€107k▲ 45.7%€104k▼ 3.1%
Operating result€89k-€45k▼ 49.2%€-857
Net result€70k-€34k▼ 52.4%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €857 after €45k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €123k
Fixed assets
€22k ▲ 83.3%
Current assets
€101k ▼ 4.9%
Equity and liabilities €123k
Equity
€104k ▼ 3.1%
Debt
€19k ▲ 72.8%
Debt's share of the balance-sheet total rises from 9.5% to 15.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-3.2%▼
2023 · 31.4%
ROA
-2.7%▼
2023 · 28.4%
Debt ≤ 1 year
€16k▲
2023 · €11k
Debt > 1 year
€4k
Income taxes
€1k▼
2023 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€118k€123k▲
Fixed assets21/28€12k€22k▲
Tangible fixed assets22/27€12k€22k▲
Furniture and vehicles24€702€13k▲
Other tangible fixed assets26€11k€8k▼
Financial fixed assets28€400€400=
Current assets29/58€106k€101k▼
Amounts receivable within one year40/41€57k€40k▼
Trade receivables40€31k€16k▼
Other amounts receivable41€26k€23k▼
Cash at bank and in hand54/58€47k€58k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€118k€123k▲
Equity10/15€107k€104k▼
Contributions10/11€3k€3k=
Reserves13€104k€101k▼
Distributable reserves133€104k€101k▼
Amounts payable17/49€11k€19k▲
Amounts payable after more than one year17-€4k
Financial debts170/4-€4k
Amounts payable within one year42/48€11k€16k▲
Current portion of amounts payable after more than one year42-€5k
Financial debts43€0€817▲
Credit institutions430/8€0-
Other loans439-€817
Trade debts44€2k€469▼
Suppliers440/4€2k€469▼
Taxes, remuneration and social security45€9k€9k▼
Taxes450/3€9k€9k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€48k€4k▼
Operating profit (loss)9901€45k€-857▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€44k€-2k▼
Income taxes67/77€10k€1k▼
Profit (loss) for the period9904€34k€-3k▼
Profit (loss) for the period to be appropriated9905€34k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€-3k▼
Transfer from equity791/2-€3k
Transfer to equity691/2€34k€0▼
To other reserves6921€34k€0▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼110%
Net result drops to €-3k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 9.45
Current ratio from 4.30 to 9.45; short-term debt falls from €22k to €11k.
31-12
Financial
Equity above €100kEq €107k ▲45.7%
2 profitable years in a row build equity to €107k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Diepenbeek · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Dennebosstraat 123590 DiepenbeekGround area
587 m²
Building footprint
148 m²
Volume, LiDAR
1,060 m³
Parcel 71011I0066/00D000, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Fortinova Group
since 20212.325.274.793
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011I0066/00D000 | Flanders | 587 m² | 1 · 148 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,405 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.