CM CONSULTANTS
ActiveSummary
CM CONSULTANTS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €54k and a net result of €452. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 85% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+65
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 6.98 against 5.72 in 2023; short-term debt: 12.5% and cash: 51.4% of total assets), and 12.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
87.5%
Return on assets
0.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-08-2025, 11 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
11 d late
2023
33 d late
2022
27 d early
2021
30 d early
2020
26 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€54k▲ 0.8%
2023 · €54k
2020: €43k
2021: €50k
2022: €60k
2023: €54k
2020 → 2024
Total assets
€62k▼ 2.0%
2023 · €63k
2020: €58k
2021: €60k
2022: €88k
2023: €63k
2020 → 2024
Net result
€452
2023 · €-7k
2020: €41k
2021: €7k
2022: €11k
2023: €-7k
2020 → 2024
Working capital
€46k▲ 3.3%
2023 · €45k
2020: €39k
2021: €47k
2022: €50k
2023: €45k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€43k-€50k▲ 15.8%€60k▲ 21.1%€54k▼ 11.1%€54k▲ 0.8%
Operating result€54k-€10k▼ 80.4%€14k▲ 35.2%€-7k€2k
Net result€41k-€7k▼ 83.4%€11k▲ 54.5%€-7k€452
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €2k after a loss of €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €62k
Fixed assets
€8k ▼ 11.8%
Current assets
€54k ▼ 0.5%
Equity and liabilities €62k
Equity
€54k ▲ 0.8%
Debt
€8k ▼ 18.4%
Debt's share of the balance-sheet total falls from 15.0% to 12.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3k▲
2023 · €-5k
Cash flow
€1k▲
2023 · €-5k
Current ratio
6.98▲
2023 · 5.72
Debt to equity
0.14▼
2023 · 0.18
ROE
0.8%▲
2023 · -12.5%
ROA
0.7%▲
2023 · -10.6%
Interest coverage
27.42▲
2023 · -45.37
Debt ≤ 1 year
€8k▼
2023 · €10k
Income taxes
€2k
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 · 2024 against 2023 · 34 lines
Balance sheet
Code20232024
Assets
Total assets20/58€63k€62k▼
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€9k€8k▼
Land and buildings22€9k€8k▼
Furniture and vehicles24€60-
Current assets29/58€54k€54k▼
Amounts receivable within one year40/41€36k€22k▼
Trade receivables40€32k€17k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€18k€32k▲
Equity and liabilities
Total equity and liabilities10/49€63k€62k▼
Equity10/15€54k€54k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€52k€52k▲
Amounts payable17/49€10k€8k▼
Amounts payable within one year42/48€10k€8k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€915€480▼
Gross operating margin9900€-4k€4k▲
Operating profit (loss)9901€-7k€2k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€102€122▲
Recurring financial charges65€102€122▲
Profit (loss) for the period before taxes9903€-7k€2k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-7k€452▲
Profit (loss) for the period to be appropriated9905€-7k€452▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€52k▲
Profit (loss) brought forward from the previous period14P€58k€52k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Back to profitnet €452
Net result €452 after one loss-making year.
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
31-12
Financial
Weakest financial yearnet €-7k ▼164%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.72
Current ratio from 2.81 to 5.72; short-term debt falls from €27k to €10k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Etterbeek · 1 establishment unit since 2019
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.
Jubelberg 41040 EtterbeekGround area
61 m²
Building footprint
54 m²
Volume, LiDAR
635 m³
Parcel 21005A0362/00T004, Brussels · tallest building 19.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Jubelberg 4, 1040 Etterbeek
since 20192.296.696.021
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0362/00T004 | Brussels | 61 m² | 1 · 54 m² | 19.2 m · 4 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
COMPETENCE CONSULT
BE 0885.438.269
Bree · Eq €54,145
J.M.J.B. CONSULTING
BE 0568.760.092
Elsene · Eq €54,137
SEVENDIPITY
BE 0544.489.407
Burdinne · Eq €54,151
INOA Solutions
BE 1014.449.358
Brussel · Eq €54,155
Jo Bernar Consulting
BE 0767.429.851
Diest · Eq €54,156
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,483 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
Founded04-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
72200Scientific research and development
73300Public relations and communication consultancy
91110Libraries, archives, museums and other cultural activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.