A B N M CONSULTING SERVICES
ActiveA B N M CONSULTING SERVICES has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.49M and a net result of €-2k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 4809 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▲+56
Solvency84▼-12
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity short (current ratio 0.99 against 8.03 in 2023; short-term debt: 37.9% and cash: 3.5% of total assets), and 40.5% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
59.5%
Return on assets
-0.1%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-2k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
49 d late
2023
28 d late
2022
22 d late
2021
60 d late
2020
53 d late
2019
87 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-2k▲ 97.4%
2023 · €-92k
2018: €959k
2019: €2k
2020: €-88k
2021: €-215k
2022: €182k
2023: €-92k
2018 → 2024
Working capital
€-9k
2023 · €796k
2018: €1.37M
2019: €1.39M
2020: €836k
2021: €649k
2022: €859k
2023: €796k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.62M-€1.41M▼ 13.3%€1.59M▲ 12.9%€1.50M▼ 5.8%€1.49M▼ 0.2%
Operating result€-90k-€-165k▼ 83.4%€177k€-100k€-13k▲ 86.6%
Net result€-88k-€-215k▼ 144%€182k€-92k€-2k▲ 97.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2024 against €100k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.51M
Fixed assets
€1.57M▲ 29.6%
Current assets
€943k▲ 3.7%
Equity and liabilities €2.51M
Equity
€1.49M▼ 0.2%
Debt
€1.02M▲ 63.3%
The debt ratio rises from 29.4% to 40.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€39k▲
2023 · €-50k
Cash flow
€50k▲
2023 · €-42k
Solvency
59.5%▼
2023 · 70.6%
Current ratio
0.99▼
2023 · 8.03
Quick ratio
0.99▼
2023 · 8.03
Debt / equity
0.68▲
2023 · 0.42
ROE
-0.2%▲
2023 · -6.1%
ROA
-0.1%▲
2023 · -4.3%
Interest coverage
7.04▲
2023 · -5.39
Debt
€1.02M▲
2023 · €623k
Debt ≤ 1 year
€952k▲
2023 · €113k
Debt > 1 year
€63k▼
2023 · €510k
Income taxes
€261▼
2023 · €303
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.12M€2.51M▲
Fixed assets21/28€1.21M€1.57M▲
Tangible fixed assets22/27€879k€1.24M▲
Land and buildings22€853k€1.18M▲
Furniture and vehicles24€21k€10k▼
Other tangible fixed assets26€5k€45k▲
Financial fixed assets28€330k€330k=
Current assets29/58€909k€943k▲
Amounts receivable after more than one year29€708k€738k▲
Other amounts receivable291€708k€738k▲
Amounts receivable within one year40/41€84k€117k▲
Trade receivables40€53k€101k▲
Other amounts receivable41€31k€16k▼
Cash at bank and in hand54/58€108k€89k▼
Deferred charges and accrued income490/1€10k-
Equity and liabilities
Total equity and liabilities10/49€2.12M€2.51M▲
Equity10/15€1.50M€1.49M▼
Contributions10/11€160k€160k=
Reserves13€16k€16k=
Non-distributable reserves130/1€16k€16k=
Reserves not available under the articles1311€16k€16k=
Profit (loss) carried forward14€1.32M€1.32M▼
Amounts payable17/49€623k€1.02M▲
Amounts payable after more than one year17€510k€63k▼
Financial debts170/4€510k€63k▼
Amounts payable within one year42/48€113k€952k▲
Current portion of amounts payable after more than one year42€21k€12k▼
Trade debts44€5k€59k▲
Suppliers440/4€5k€59k▲
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€3k€9k▲
Other amounts payable47/48€85k€873k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€52k▲
Other operating charges640/8€2k€17k▲
Non-recurring operating charges66A€202k€150k▼
Gross operating margin9900€154k€206k▲
Operating profit (loss)9901€-100k€-13k▲
Financial income75/76B€17k€17k▼
Recurring financial income75€17k€17k▼
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€-92k€-2k▲
Income taxes67/77€303€261▼
Profit (loss) for the period9904€-92k€-2k▲
Profit (loss) for the period to be appropriated9905€-92k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.32M€1.32M▼
Profit (loss) brought forward from the previous period14P€1.41M€1.32M▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
01-09
State Gazette act
Capital & shares · RestructuringGeneral meeting · Merger · Dissolution9 facts ▸
State Gazette act
Capital & shares · Restructuring
General meeting · Merger · Dissolution9 facts ▸
- General meeting, 2026-07-22
- Merger, 2026-07-22
- Dissolution, 2026-07-22
- Accounting effect, 2026-01-01
- Power of attorney, AR Law & Tax
- Simplified merger procedure, la société absorbante détient l'entièreté des actions de la société absorbée; application des articles 12:50 et suivants du CSA
- Capital, €1.600
- Merger project filing, 2026-06-04, 2026-06-15
- No capital increase, aucune action ne sera attribuée; aucune émission d'actions nouvelles
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 49 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
31-12
Financial
Back to profitnet €182k
Net result €182k after 2 loss-making years.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 60 days late
2021
31-12
Financial
Weakest financial yearnet €-215k
Net result drops to €-215k, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 53 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 87 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 34.50
Current ratio from 15.18 to 34.50; short-term debt falls from €96k to €42k.
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 51 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 52 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
07-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 38 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ans · 1 establishment unit since 2008
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.
Rue du Château 34432 AnsGround area
2,426 m²
Building footprint
236 m²
Volume, LiDAR
1,607 m³
Parcel 62001A0332/00E002, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A B N M CONSULTING SERVICES
since 20082.169.689.169
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62001A0332/00E002 | Wallonia | 2,426 m² | 1 · 236 m² | 8.9 m · 2 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.
Structure & network
Acquisitions and mergers
1 transactionTook over:ARMANOFRE FINANCES
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Of 1,530 companies in sector 68322 we hold annual accounts for 740. 336 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2006
Fiscal year end31-12
Activities, NACEBEL
68322Real estate appraisal on a fee or contract basis
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.