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C & M CONSULT

Active
Private limited companyfounded 201115 yrs activeRue de Basse Biez 41, 1390 Grez-Doiceau, BelgiumKBO/BCE: BE 0838.303.395
Summary

C & M CONSULT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €30,579 and a net result of -€1,382. Equity is shrinking by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 6166 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch ReportCompare
C & M CONSULTActiveChecked score 69/100
Risk analysis ReportCompare

Overview

Activity
Beauty care and other beauty treatments
NACE 96220Beauty treatment NACE 96022
1 site
Size
€41,549total assets 2024
Equity
€30,579
Loss
-€1,382
Turnover not published (abridged schema)
Financial health
69 Healthy Checked score 2024
Bankruptcy chance 12 m
0.7%
Structure
Holdings
1
Accounts 65 d overdue0 of 3 deeds read
Why 69- Figures for FY 2024 (filed 05-09-2025)+ Founded in 2011+ Liquidity: current ratio 2.81, cash €8,851+ Equity €30,579 (73.6% of total assets)Show the evidence

Checked score

Score 2024
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 53% of its sector peers (NACE 96, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 99=
equity 73.6% of total assets
Liquidity 66-3
short-term debt 26.4% · cash 21.3%
Profitability 15+15
return on assets -3.3%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,591 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -1.0% vs 12-2024 02-2025: 0.3%▼ -14.1% vs 01-2025 03-2025: 0.3%● 0.0% vs 02-2025 04-2025: 0.3%▲ +4.6% vs 03-2025 05-2025: 0.3%▼ -2.9% vs 04-2025 06-2025: 0.3%▲ +1.5% vs 05-2025 07-2025: 0.3%▲ +14.4% vs 06-2025 08-2025: 0.5%▲ +61.2% vs 07-2025 09-2025: 0.6%▲ +11.4% vs 08-2025 10-2025: 0.2%▼ -72.1% vs 09-2025lowest value 11-2025: 0.2%● 0.0% vs 10-2025lowest value 12-2025: 0.2%● 0.0% vs 11-2025lowest value 01-2026: 0.2%● 0.0% vs 12-2025lowest value 02-2026: 0.2%● 0.0% vs 01-2026lowest value 03-2026: 0.2%● 0.0% vs 02-2026lowest value 04-2026: 0.2%▲ +4.5% vs 03-2026 05-2026: 0.2%▼ -2.5% vs 04-2026 06-2026: 0.2%▲ +0.6% vs 05-2026 07-2026: 0.2%▲ +10.1% vs 06-2026 08-2026: 0.3%▲ +96.6% vs 07-2026 09-2026: 0.4%▲ +22.7% vs 08-2026 10-2026: 0.7%▲ +68.2% vs 09-2026highest value
  • Figures for FY 2024 (filed 05-09-2025) raises the probability
  • Founded in 2011 lowers the probability for this profile
  • Liquidity: current ratio 2.81, cash €8,851 lowers the probability
  • Equity €30,579 (73.6% of total assets) lowers the probability
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.81 against 2.91 in 2023; short-term debt: 26.4% and cash: 21.3% of total assets), and 26.4% 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 96, micro). Better than this share of them on solvency 85%, liquidity 71%, profitability 22%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 05-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2011
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 2.81, cash €8,851
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €30,579 (73.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 2024
Net result per financial year
18192021222324
2018 to 2024 · latest year -€1,382
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 filings
Deviation from the deadline
2025
not confirmed
2024
30 d late
2023
30 d late
2022
29 d late
2021
30 d late
2020
30 d late
2019
90 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 40 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

Checked, nothing found (1)
neutral · 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
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Annual accounts filedfiscal year 2023 · micro…
  3. Annual accounts filedfiscal year 2022 · micro…

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2024 -€1,382 View
  • Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
  • Positive: Among the best 15% on solvencysector median 24.8% · 6,166 companies 73.6% View

By topic

Financials

Fiscal year
2024
Total assets
€41,549
Loss
-€1,382
Solvency
73.6%
Total assets▼ 3.2%
Net result
20182024
Go to Financials

Timeline

Events
12
Since
2016
  1. 30-08-2025Annual accounts filed
  2. 30-08-2024Annual accounts filed
  3. 29-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Beauty care and other beauty treatmentsNACE 96220
Founded
26-07-2011
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

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