4MAT Consulting

Active

Private limited companyfounded 201115 yrs activeEngelse Beurs 4, 2000 Antwerpen, BelgiumKBO/BCE: BE 0839.443.740

4MAT Consulting has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €386k and a net result of €75k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

87 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability90▲+1

Solvency100=

Growth78=

Track record100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €30k at 30 days acceptable

Liquidity ample (current ratio 3.37 against 4.17 in 2024; short-term debt: 11.6% and cash: 7.2% of total assets), and 11.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

88.4%

Return on assets

17.3%

Age of the figures

9 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

on the day

2024

43 d early

2023

28 d early

2022

on the day

2021

1 d early

2020

166 d late

2019

52 d late

← before the deadline after the deadline →

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 months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

€3k

EBIT margin

4899.4%

Net result

€75k▼ 10.8%

2024 · €85k

2020: €57k 2021: €64k 2022: €70k 2023: €106k 2024: €85k

2020 → 2025

Working capital

€120k▼ 39.4%

2024 · €198k

2020: €-6k 2021: €21k 2022: €92k 2023: €146k 2024: €198k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€3k

Equity€292k-€362k▲ 24.0%€417k▲ 15.1%€463k▲ 11.0%€386k▼ 16.5%

Operating result€99k-€109k▲ 10.6%€157k▲ 43.8%€131k▼ 16.2%€123k▼ 6.7%

Net result€64k-€70k▲ 9.8%€106k▲ 50.6%€85k▼ 19.9%€75k▼ 10.8%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 7% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €437k

61.0%

39.0%

Fixed assets €267k▲ 0.6%

Current assets €170k▼ 34.6%

Equity and liabilities €437k

88.4%

12%

Equity €386k▼ 16.5%

Debt €50k▼ 19.3%

The debt ratio falls from 11.9% to 11.6%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€129k▼

2024 · €137k

Cash flow

€82k▼

2024 · €90k

Solvency

88.4%▲

2024 · 88.1%

Current ratio

3.37▼

2024 · 4.17

Quick ratio

3.37▼

2024 · 4.17

Debt / equity

0.13▼

2024 · 0.14

ROE

19.5%▲

2024 · 18.3%

ROA

17.3%▲

2024 · 16.1%

Interest coverage

21.96▼

2024 · 27.49

Debt

€50k▼

2024 · €63k

Debt ≤ 1 year

€50k▼

2024 · €63k

Income taxes

€45k▼

2024 · €47k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€525k€437k▼

Fixed assets21/28€265k€267k▲

Tangible fixed assets22/27€165k€167k▲

Land and buildings22€154k€149k▼

Furniture and vehicles24€11k€17k▲

Financial fixed assets28€100k€100k=

Current assets29/58€260k€170k▼

Amounts receivable after more than one year29€75k€76k▲

Trade receivables290-€1k

Other amounts receivable291€75k€75k=

Amounts receivable within one year40/41€82k€5k▼

Other amounts receivable41€82k€5k▼

Current investments50/53€66k€54k▼

Cash at bank and in hand54/58€31k€31k▲

Deferred charges and accrued income490/1€5k€4k▼

Equity and liabilities

Total equity and liabilities10/49€525k€437k▼

Equity10/15€463k€386k▼

Contributions10/11€12k€12k=

Capital10€12k€12k=

Issued capital100€19k€19k=

Uncalled capital101€6k€6k=

Reserves13€414k€338k▼

Non-distributable reserves130/1€2k€2k=

Legal reserve130€2k€2k=

Tax-exempt reserves132-€336k

Distributable reserves133€412k-

Profit (loss) carried forward14€37k€37k=

Amounts payable17/49€63k€50k▼

Amounts payable within one year42/48€63k€50k▼

Current portion of amounts payable after more than one year42€32k€18k▼

Trade debts44€2k-

Suppliers440/4€2k-

Taxes, remuneration and social security45€29k€23k▼

Taxes450/3€29k€23k▼

Other amounts payable47/48-€10k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲

Other operating charges640/8€3k€2k▼

Gross operating margin9900€140k€131k▼

Operating profit (loss)9901€131k€123k▼

Financial income75/76B€5k€4k▼

Recurring financial income75€5k€4k▼

Financial charges65/66B€5k€6k▲

Recurring financial charges65€5k€6k▲

Profit (loss) for the period before taxes9903€132k€121k▼

Income taxes67/77€47k€45k▼

Profit (loss) for the period9904€85k€75k▼

Profit (loss) for the period to be appropriated9905€85k€75k▼

Appropriation of the result

Profit (loss) to be appropriated9906€121k€112k▼

Profit (loss) brought forward from the previous period14P€37k€37k=

Transfer from equity791/2€39k€152k▲

Transfer to equity691/2€85k€75k▼

To other reserves6921€85k€75k▼

Profit to be distributed694/7€39k€152k▲

Return on contributions (dividend)694€39k€152k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 11Financial 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

18-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

03-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2020net €106k ▲50.6%

Operating result €157k, net result €106k, both a record.

31-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

13-01

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 166 days late

2020

21-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 52 days late

2019

22-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 22 days late

2018

02-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

28-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Antwerpen · 2 establishment units since 2011

establishment All 2 establishment units on the map

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.

Engelse Beurs 42000 Antwerpen

Ground area

2,516 m²

Building footprint

1,475 m²

Volume, LiDAR

22,818 m³

2 parcels, Flanders · tallest building 21.5 m, ±6 floors. Linked by address, not a title deed.

2 establishment units

4MAT Consulting BVBA

Engelse Beurs 4, 2000 AntwerpenRetail trade

since 20112.202.575.139

Veldstraat 22, 2840 Rumst

Financial service activities, except insurance and pension funding

since 20192.293.657.446

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11002A0818/00M000 ProtectedMonumentIndian CapsSource ↗	Flanders	1,923 m²	1 · 1,006 m²	21.5 m · 6 fl.
11045A0193/00V012	Flanders	593 m²	1 · 469 m²	12.8 m · 3 fl.