B2M Consulting

Active

Private limited companyfounded 20206 yrs activeRue de l' Etang, Gd-L. 28, 5031 Gembloux, BelgiumKBO/BCE: BE 0741.729.997

Summary

B2M Consulting has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €439,195 and a net result of €124,489. Equity is growing by ~60.3% per year across the filed fiscal years. Its solvency ranks better than 38% of 18866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

B2M ConsultingActiveChecked score 94/100

Risk analysis Report Compare

Activity

Computer consultancy and computer facilities management

NACE 62200IT consultancy NACE 62020

1 site

Size

€958,419total assets 2025

Equity: €439,195
Profit: €124,489

Turnover not published (abridged schema)

Financial health

94 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Holdings: 1

Accounts filed 53 d late0 of 1 deed read

Why 94- Latest accounts 53 days late; 2 of the last 3 late+ Sector Computer programming, consultancy and related activities (NACE 62)+ Size: total assets €958,419+ Liquidity: current ratio 2.58, cash €174,389Show the evidence

Checked score

Score 2025

94 / 100

Excellent

Probability in this band: under 0.55%

Better than 54% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 71+10

equity 45.8% of total assets

Liquidity 73+5

short-term debt 8.0% · cash 18.2%

Profitability 85+2

return on assets 13.0%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,520 companies)

Last 11 months 12-2025: 0.1% 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%▲ +1.4% vs 01-2026 03-2026: 0.1%▲ +2.7% vs 02-2026 04-2026: 0.1%▲ +5.3% vs 03-2026 05-2026: 0.1%▲ +8.8% vs 04-2026 06-2026: 0.1%▲ +1.1% vs 05-2026 07-2026: 0.1%▲ +25.0% vs 06-2026 08-2026: 0.3%▲ +135% vs 07-2026 09-2026: 0.3%▲ +25.9% vs 08-2026highest value 10-2026: 0.1%▼ -78.5% vs 09-2026lowest value

Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
Latest accounts 53 days late; 2 of the last 3 late raises the probability
Size: total assets €958,419 lowers the probability for this profile
Liquidity: current ratio 2.58, cash €174,389 lowers the probability

Credit up to €40,000 at 30 days acceptable

Liquidity ample (current ratio 2.58 against 2.03 in 2024; short-term debt: 8% and cash: 18.2% of total assets), but 54.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 40%, liquidity 56%, profitability 47%, growth against the median 72%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts 53 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Size: total assets €958,419

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 2.58, cash €174,389

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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 · 6 filings

Deviation from the deadline

2025

53 d late

2024

1 d early

2023

51 d late

2022

40 d early

2021

25 d early

2020

27 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 30 July (4 of the last 5 filed years within 53 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 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

22-09-26 Annual accounts filedfiscal year 2025 · micro…
30-07-25 Annual accounts filedfiscal year 2024 · micro…
20-09-24 Annual accounts filedfiscal year 2023 · micro…

Key points

Positive: Among the best 5% on net resultsector median €28,485 · 18,873 companies €124,489 View
Positive: 6 profitable years in a rowprofit 2025: €124,489 6 years View
Positive: Equity rose in 2025from €332,999 to €439,195 ▲ 31.9% View