BTMC CONSULTING
ActiveSummary
BTMC CONSULTING has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €408k and a net result of €15k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
short-term debt: 0.8% and cash: 28.5% of total assets, and 2.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.8%
Return on assets
3.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
30 d late
2023
19 d late
2022
31 d late
2021
25 d late
2020
57 d early
2019
31 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€408k▲ 3.3%
2024 · €395k
2018: €192k
2019: €214k
2020: €260k
2021: €285k
2022: €315k
2023: €340k
2024: €395k
2018 → 2025
Total assets
€417k▲ 1.0%
2024 · €413k
2018: €207k
2019: €225k
2020: €282k
2021: €304k
2022: €343k
2023: €361k
2024: €413k
2018 → 2025
Net result
€15k▼ 73.6%
2024 · €56k
2018: €12k
2019: €24k
2020: €47k
2021: €27k
2022: €31k
2023: €27k
2024: €56k
2018 → 2025
Working capital
€408k▲ 4.0%
2024 · €392k
2018: €188k
2019: €217k
2020: €265k
2021: €290k
2022: €318k
2023: €344k
2024: €392k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€285k-€315k▲ 10.4%€340k▲ 8.2%€395k▲ 16.1%€408k▲ 3.3%
Operating result€37k-€43k▲ 15.0%€39k▼ 8.4%€82k▲ 107%€8k▼ 90.6%
Net result€27k-€31k▲ 15.3%€27k▼ 12.9%€56k▲ 107%€15k▼ 73.6%
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 91% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €417k
Fixed assets
€6k ▼ 30.8%
Current assets
€411k ▲ 1.7%
Equity and liabilities €417k
Equity
€408k ▲ 3.3%
Debt
€9k ▼ 49.4%
Debt's share of the balance-sheet total falls from 4.4% to 2.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €84k
Cash flow
€18k▼
2024 · €58k
Debt to equity
0.02▼
2024 · 0.05
ROE
3.6%▼
2024 · 14.3%
ROA
3.6%▼
2024 · 13.6%
Interest coverage
12.28▼
2024 · 91.66
Debt ≤ 1 year
€3k▼
2024 · €12k
Debt > 1 year
€4k▼
2024 · €4k
Income taxes
€7k▼
2024 · €26k
A ratio outside any meaningful range has been withheld (balance sheet total €417k, equity €408k).
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€413k€417k▲
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€679€934▲
Furniture and vehicles24€7k€5k▼
Financial fixed assets28€400€400=
Current assets29/58€405k€411k▲
Amounts receivable within one year40/41€21k€11k▼
Trade receivables40€19k€6k▼
Other amounts receivable41€2k€5k▲
Current investments50/53€202k€281k▲
Cash at bank and in hand54/58€180k€119k▼
Deferred charges and accrued income490/1€1k€368▼
Equity and liabilities
Total equity and liabilities10/49€413k€417k▲
Equity10/15€395k€408k▲
Contributions10/11€6k€6k=
Reserves13€303k€317k▲
Distributable reserves133€303k€317k▲
Profit (loss) carried forward14€85k€85k=
Amounts payable17/49€18k€9k▼
Amounts payable after more than one year17€4k€4k▼
Other amounts payable178/9€4k€4k▼
Amounts payable within one year42/48€12k€3k▼
Financial debts43€420-
Credit institutions430/8€420-
Trade debts44€560€338▼
Suppliers440/4€560€338▼
Taxes, remuneration and social security45€10k€1k▼
Taxes450/3€10k€1k▼
Other amounts payable47/48€1k€2k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€629€1k▲
Gross operating margin9900€84k€12k▼
Operating profit (loss)9901€82k€8k▼
Financial income75/76B€2k€15k▲
Recurring financial income75€2k€15k▲
Financial charges65/66B€912€916▲
Recurring financial charges65€912€916▲
Profit (loss) for the period before taxes9903€83k€22k▼
Income taxes67/77€26k€7k▼
Profit (loss) for the period9904€56k€15k▼
Profit (loss) for the period to be appropriated9905€56k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€100k▼
Profit (loss) brought forward from the previous period14P€85k€85k=
Transfer from equity791/2-€2k
Transfer to equity691/2€55k€15k▼
To other reserves6921€55k€15k▼
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 117.95
Current ratio from 32.64 to 117.95; short-term debt falls from €12k to €3k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €56k ▲107%
Operating result €82k, net result €56k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 42.11
Current ratio from 19.58 to 42.11; short-term debt falls from €10k to €5k.
31-12
Financial
Equity above €200kEq €214k ▲11.5%
2 profitable years in a row build equity to €214k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Tienen · 1 establishment unit since 2005
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.
Bruinissemdal 203300 TienenGround area
1,356 m²
Building footprint
126 m²
Volume, LiDAR
908 m³
Parcel 24107B0308/00C003, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20052.146.049.378
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24107B0308/00C003 | Flanders | 1,356 m² | 1 · 126 m² | 10.3 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.
Similar companies · same sector, comparable size
FUTURE GROUP
BE 0895.079.277
Essen · Eq €408,233
Louthi
BE 0832.315.725
Lille · Eq €408,241
TREADSTONE
BE 0534.946.783
Chaumont-Gistoux · Eq €408,195
JOHTAA
BE 0784.320.917
Buggenhout · Eq €408,153
LIMAGE CONSULT
BE 0831.720.956
Lendelede · Eq €408,294
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 36,234 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
Founded18-02-2005
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:016/823290