Summary
4m GROUP has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.89M and a net result of €241k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 73% of 31791 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €2.89M
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
23 d early
2023
8 d early
2022
20 d early
2021
19 d early
2020
25 d early
2019
55 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.89M▲ 9.1%
2024 · €2.65M
2018: €2.46Mlowest in 8 years
2019: €2.82M▲ +14.6% vs 2018
2020: €2.83M▲ +0.6% vs 2019
2021: €2.92M▲ +3.1% vs 2020
2022: €3.04M▲ +4.0% vs 2021highest in 8 years
2023: €2.56M▼ -15.7% vs 2022
2024: €2.65M▲ +3.5% vs 2023
2025: €2.89M▲ +9.1% vs 2024
2018 → 2025
Total assets
€3.75M▲ 11.7%
2024 · €3.36M
2018: €3.62M
2019: €3.76M▲ +4.0% vs 2018
2020: €3.74M▼ -0.7% vs 2019
2021: €3.65M▼ -2.3% vs 2020
2022: €3.78M▲ +3.4% vs 2021highest in 8 years
2023: €3.42M▼ -9.5% vs 2022
2024: €3.36M▼ -1.9% vs 2023lowest in 8 years
2025: €3.75M▲ +11.7% vs 2024
2018 → 2025
Net result
€241k▼ 20.9%
2024 · €305k
2018: €45k
2019: €365k▲ +707% vs 2018highest in 8 years
2020: €22k▼ -94.0% vs 2019lowest in 8 years
2021: €90k▲ +312% vs 2020
2022: €118k▲ +30.5% vs 2021
2023: €114k▼ -3.4% vs 2022
2024: €305k▲ +169% vs 2023
2025: €241k▼ -20.9% vs 2024
2018 → 2025
Working capital
€159k
2024 · €-54k
2018: €62k
2019: €240k▲ +284% vs 2018
2020: €216k▼ -9.7% vs 2019
2021: €292k▲ +35.2% vs 2020
2022: €384k▲ +31.2% vs 2021highest in 8 years
2023: €-63k▼ -117% vs 2022lowest in 8 years
2024: €-54k▲ +15.0% vs 2023
2025: €159k▲ +396% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.92M-€3.04M▲ 4.0%€2.56M▼ 15.7%€2.65M▲ 3.5%€2.89M▲ 9.1%
2021: €2.92M
2022: €3.04M▲ +4.0% vs 2021highest in 5 years
2023: €2.56M▼ -15.7% vs 2022lowest in 5 years
2024: €2.65M▲ +3.5% vs 2023
2025: €2.89M▲ +9.1% vs 2024
Operating result€159k-€208k▲ 31.1%€236k▲ 13.3%€446k▲ 89.3%€366k▼ 17.8%
2021: €159klowest in 5 years
2022: €208k▲ +31.1% vs 2021
2023: €236k▲ +13.3% vs 2022
2024: €446k▲ +89.3% vs 2023highest in 5 years
2025: €366k▼ -17.8% vs 2024
Net result€90k-€118k▲ 30.5%€114k▼ 3.4%€305k▲ 169%€241k▼ 20.9%
2021: €90klowest in 5 years
2022: €118k▲ +30.5% vs 2021
2023: €114k▼ -3.4% vs 2022
2024: €305k▲ +169% vs 2023highest in 5 years
2025: €241k▼ -20.9% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.75M
Fixed assets
€2.87M ▼ 2.8%
Current assets
€878k ▲ 118%
Equity and liabilities €3.75M
Equity
€2.89M ▲ 9.1%
Debt
€857k ▲ 21.7%
Debt's share of the balance-sheet total rises from 21.0% to 22.8%. Equity and debt are higher.
Key figures and ratios
ROE
8.3%▼
2024 · 11.5%
ROA
6.4%▼
2024 · 9.1%
Debt ≤ 1 year
€719k▲
2024 · €456k
Debt > 1 year
€132k▼
2024 · €247k
Income taxes
€100k▼
2024 · €127k
Staff costs
€194▼
2024 · €38k
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 · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.36M€3.75M▲
Fixed assets21/28€2.95M€2.87M▼
Tangible fixed assets22/27€775k€693k▼
Land and buildings22€709k€632k▼
Furniture and vehicles24€66k€61k▼
Financial fixed assets28€2.18M€2.18M=
Current assets29/58€402k€878k▲
Amounts receivable within one year40/41€378k€830k▲
Trade receivables40€24k€32k▲
Other amounts receivable41€354k€798k▲
Cash at bank and in hand54/58€21k€45k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€3.36M€3.75M▲
Equity10/15€2.65M€2.89M▲
Contributions10/11€19k€19k=
Revaluation surpluses12€242k€220k▼
Reserves13€588k€611k▲
Tax-exempt reserves132€75k€75k=
Distributable reserves133€514k€536k▲
Profit (loss) carried forward14€1.80M€2.04M▲
Amounts payable17/49€704k€857k▲
Amounts payable after more than one year17€247k€132k▼
Financial debts170/4€247k€132k▼
Amounts payable within one year42/48€456k€719k▲
Current portion of amounts payable after more than one year42€113k€115k▲
Financial debts43€47€250k▲
Credit institutions430/8€47€250k▲
Trade debts44€21k€21k▲
Suppliers440/4€21k€21k▲
Taxes, remuneration and social security45€283k€294k▲
Taxes450/3€283k€294k▲
Other amounts payable47/48€39k€39k▼
Accrued charges and deferred income492/3€968€6k▲
Income statement
Code20242025
Non-recurring operating income76A€139k€16k▼
Remuneration, social security and pensions62€38k€194▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€92k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-51k-
Other operating charges640/8€6k€3k▼
Gross operating margin9900€531k€462k▼
Operating profit (loss)9901€446k€366k▼
Financial income75/76B€3k€9▼
Recurring financial income75€3k€9▼
Financial charges65/66B€17k€25k▲
Recurring financial charges65€17k€25k▲
Profit (loss) for the period before taxes9903€432k€341k▼
Income taxes67/77€127k€100k▼
Profit (loss) for the period9904€305k€241k▼
Profit (loss) for the period to be appropriated9905€305k€241k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.02M€2.04M▲
Profit (loss) brought forward from the previous period14P€1.71M€1.80M▲
Profit to be distributed694/7€216k-
Return on contributions (dividend)694€216k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €97k | €25k | €34k | €139k | €16k | ▼ 88.2% |
| Remuneration, social security and pensions62 | €32k | €34k | €40k | €38k | €194 | ▼ 99.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €85k | €83k | €93k | €93k | €92k | ▼ 0.6% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €-51k | - | - |
| Other operating charges640/8 | €5k | €12k | €2k | €6k | €3k | ▼ 52.5% |
| Gross operating margin9900 | €281k | €337k | €370k | €531k | €462k | ▼ 13.1% |
| Operating profit (loss)9901 | €159k | €208k | €236k | €446k | €366k | ▼ 17.8% |
| Financial income75/76B | - | - | €7k | €3k | €9 | ▼ 99.7% |
| Recurring financial income75 | - | - | €7k | €3k | €9 | ▼ 99.7% |
| Financial charges65/66B | €22k | €21k | €74k | €17k | €25k | ▲ 49.2% |
| Recurring financial charges65 | €22k | €21k | €20k | €17k | €25k | ▲ 49.2% |
| Non-recurring financial charges66B | - | - | €54k | - | - | - |
| Profit (loss) for the period before taxes9903 | €136k | €187k | €168k | €432k | €341k | ▼ 21.0% |
| Income taxes67/77 | €46k | €69k | €54k | €127k | €100k | ▼ 21.1% |
| Profit (loss) for the period9904 | €90k | €118k | €114k | €305k | €241k | ▼ 20.9% |
| Profit (loss) for the period to be appropriated9905 | €90k | €118k | €114k | €305k | €241k | ▼ 20.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.65M | €3.78M | €3.42M | €3.36M | €3.75M | ▲ 11.7% |
| Fixed assets21/28 | €3.19M | €3.18M | €3.04M | €2.95M | €2.87M | ▼ 2.8% |
| Tangible fixed assets22/27 | €952k | €937k | €860k | €775k | €693k | ▼ 10.6% |
| Land and buildings22 | €923k | €842k | €779k | €709k | €632k | ▼ 10.8% |
| Furniture and vehicles24 | €29k | €95k | €81k | €66k | €61k | ▼ 8.1% |
| Financial fixed assets28 | €2.24M | €2.24M | €2.18M | €2.18M | €2.18M | = |
| Current assets29/58 | €460k | €598k | €381k | €402k | €878k | ▲ 118% |
| Amounts receivable after more than one year29 | €158k | €391k | - | - | - | - |
| Other amounts receivable291 | €158k | €391k | - | - | - | - |
| Amounts receivable within one year40/41 | €218k | €134k | €295k | €378k | €830k | ▲ 119% |
| Trade receivables40 | €18k | €25k | €50k | €24k | €32k | ▲ 33.8% |
| Other amounts receivable41 | €201k | €109k | €245k | €354k | €798k | ▲ 125% |
| Cash at bank and in hand54/58 | €83k | €74k | €83k | €21k | €45k | ▲ 117% |
| Deferred charges and accrued income490/1 | €1k | €133 | €3k | €3k | €3k | ▲ 11.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.65M | €3.78M | €3.42M | €3.36M | €3.75M | ▲ 11.7% |
| Equity10/15 | €2.92M | €3.04M | €2.56M | €2.65M | €2.89M | ▲ 9.1% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Revaluation surpluses12 | €322k | €293k | €266k | €242k | €220k | ▼ 9.3% |
| Reserves13 | €508k | €537k | €564k | €588k | €611k | ▲ 3.8% |
| Non-distributable reserves130/1 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | €2k | - | - | - | - | - |
| Tax-exempt reserves132 | €75k | €75k | €75k | €75k | €75k | = |
| Distributable reserves133 | €431k | €462k | €489k | €514k | €536k | ▲ 4.4% |
| Profit (loss) carried forward14 | €2.07M | €2.19M | €1.71M | €1.80M | €2.04M | ▲ 13.4% |
| Provisions and deferred taxes16 | €51k | €51k | €51k | - | - | - |
| Provisions for liabilities and charges160/5 | €51k | €51k | €51k | - | - | - |
| Pensions and similar obligations160 | €51k | €51k | €51k | - | - | - |
| Amounts payable17/49 | €681k | €687k | €806k | €704k | €857k | ▲ 21.7% |
| Amounts payable after more than one year17 | €514k | €472k | €361k | €247k | €132k | ▼ 46.7% |
| Financial debts170/4 | €514k | €472k | €361k | €247k | €132k | ▼ 46.7% |
| Amounts payable within one year42/48 | €167k | €215k | €444k | €456k | €719k | ▲ 57.6% |
| Current portion of amounts payable after more than one year42 | €96k | €104k | €106k | €113k | €115k | ▲ 1.8% |
| Financial debts43 | - | - | €550 | €47 | €250k | ▲ 536,611% |
| Credit institutions430/8 | - | - | €550 | €47 | €250k | ▲ 536,611% |
| Trade debts44 | €2k | €3k | €28k | €21k | €21k | ▲ 0.4% |
| Suppliers440/4 | €2k | €3k | €28k | €21k | €21k | ▲ 0.4% |
| Taxes, remuneration and social security45 | €68k | €69k | €271k | €283k | €294k | ▲ 3.8% |
| Taxes450/3 | €64k | €64k | €266k | €283k | €294k | ▲ 3.8% |
| Remuneration and social security454/9 | €4k | €5k | €5k | - | - | - |
| Other amounts payable47/48 | €2k | €39k | €39k | €39k | €39k | ▼ 0.1% |
| Accrued charges and deferred income492/3 | - | €504 | €1k | €968 | €6k | ▲ 551% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €90k | €118k | €114k | €305k | €241k | ▼ 20.9% |
| + Depreciation and write-downs630 | €85k | €83k | €93k | €93k | €92k | ▼ 0.6% |
| Operating cash flow (approximation) | €175k | €200k | €207k | €398k | €333k | ▼ 16.2% |
| Investment in fixed assets (approximation) | - | €-68k | €47k | €-8k | €-10k | ▼ 28.7% |
| Change in cash | - | €-9k | €9k | €-62k | €24k | ▲ 139% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €22k ▼94%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
31-12
Financial
Highest result since 2018net €365k ▲707%
Net result €365k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.35
Current ratio from 1.14 to 2.35; short-term debt falls from €433k to €177k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are 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, Herve · 1 establishment unit since 2009
Ground area
4,439 m²
Building footprint
2,064 m²
Volume, LiDAR
15,687 m³
Parcel 63006D0354/00H000, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
4M GROUP
since 20092.181.203.762
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63006D0354/00H000 | Wallonia | 4,439 m² | 1 · 2,064 m² | 9.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 82,553 companies in sector 70200 we hold annual accounts for 52,585. 16,215 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-08-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.