CMconsulting
ActiveSummary
CMconsulting has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €268k and a net result of €36k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▲+1
Solvency100=
Growth38▲+1
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 7.46 against 7.87 in 2024; short-term debt: 13% and cash: 26.5% of total assets), and 13% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
87%
Return on assets
11.7%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
36 d early
2023
6 d late
2022
29 d late
2021
31 d late
2020
101 d late
2019
144 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€231k▲ 7.1%
2024 · €215k
2018: €168k
2019: €207k▲ +22.8% vs 2018
2021: €132klowest value
2022: €194k▲ +47.1% vs 2021
2023: €219k▲ +12.8% vs 2022
2024: €215k▼ -1.8% vs 2023
2025: €231k▲ +7.1% vs 2024highest value
2018 → 2025
EBIT margin
16.7%▼ 3.6pp
2024 · 20.3%
2018: 60.1%highest value
2019: 35.9%▼ -40.4% vs 2018
2021: 13.4%lowest value
2022: 26.7%▲ +99.4% vs 2021
2023: 24.7%▼ -7.7% vs 2022
2024: 20.3%▼ -17.5% vs 2023
2025: 16.7%▼ -17.9% vs 2024
2018 → 2025
Net result
€36k▲ 21.1%
2024 · €30k
2018: €52k
2019: €24k▼ -53.5% vs 2018
2020: €57k▲ +137% vs 2019highest in 8 years
2021: €-14k▼ -124% vs 2020lowest in 8 years
2022: €34k▲ +354% vs 2021
2023: €37k▲ +8.2% vs 2022
2024: €30k▼ -19.7% vs 2023
2025: €36k▲ +21.1% vs 2024
2018 → 2025
Working capital
€259k▼ 4.5%
2024 · €271k
2018: €304k
2019: €226k▼ -25.6% vs 2018lowest in 8 years
2020: €281k▲ +24.2% vs 2019
2021: €329k▲ +17.0% vs 2020highest in 8 years
2022: €295k▼ -10.4% vs 2021
2023: €286k▼ -2.9% vs 2022
2024: €271k▼ -5.3% vs 2023
2025: €259k▼ -4.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€132k-€194k▲ 47.1%€219k▲ 12.8%€215k▼ 1.8%€231k▲ 7.1%
2021: €132klowest in 5 years
2022: €194k▲ +47.1% vs 2021
2023: €219k▲ +12.8% vs 2022
2024: €215k▼ -1.8% vs 2023
2025: €231k▲ +7.1% vs 2024highest in 5 years
Equity€371k-€324k▼ 12.5%€307k▼ 5.5%€282k▼ 8.1%€268k▼ 4.9%
2021: €371khighest in 5 years
2022: €324k▼ -12.5% vs 2021
2023: €307k▼ -5.5% vs 2022
2024: €282k▼ -8.1% vs 2023
2025: €268k▼ -4.9% vs 2024lowest in 5 years
Operating result€18k-€52k▲ 193%€54k▲ 4.1%€44k▼ 19.0%€39k▼ 12.0%
2021: €18klowest in 5 years
2022: €52k▲ +193% vs 2021
2023: €54k▲ +4.1% vs 2022highest in 5 years
2024: €44k▼ -19.0% vs 2023
2025: €39k▼ -12.0% vs 2024
Net result€-14k-€34k€37k▲ 8.2%€30k▼ 19.7%€36k▲ 21.1%
2021: €-14klowest in 5 years
2022: €34k▲ +354% vs 2021
2023: €37k▲ +8.2% vs 2022highest in 5 years
2024: €30k▼ -19.7% vs 2023
2025: €36k▲ +21.1% vs 2024
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€9k ▼ 16.1%
Current assets
€299k ▼ 3.7%
Equity and liabilities €308k
Equity
€268k ▼ 4.9%
Debt
€40k ▲ 1.6%
Debt's share of the balance-sheet total rises from 12.3% to 13.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€44k▼
2024 · €56k
Cash flow
€41k▼
2024 · €42k
Current ratio
7.46▼
2024 · 7.87
Debt to equity
0.15▲
2024 · 0.14
ROE
13.5%▲
2024 · 10.6%
ROA
11.7%▲
2024 · 9.3%
Interest coverage
79.46▼
2024 · 246.71
Debt ≤ 1 year
€40k▲
2024 · €39k
Income taxes
€16k▲
2024 · €14k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€321k€308k▼
Fixed assets21/28€11k€9k▼
Tangible fixed assets22/27€11k€9k▼
Furniture and vehicles24€3k€4k▲
Other tangible fixed assets26€8k€5k▼
Financial fixed assets28€65€65=
Current assets29/58€310k€299k▼
Amounts receivable within one year40/41€23k€8k▼
Other amounts receivable41€23k€8k▼
Current investments50/53€233k€206k▼
Cash at bank and in hand54/58€54k€82k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€321k€308k▼
Equity10/15€282k€268k▼
Contributions10/11€1k€1k=
Reserves13€208k€193k▼
Distributable reserves133€208k€193k▼
Profit (loss) carried forward14€72k€73k▲
Amounts payable17/49€39k€40k▲
Amounts payable within one year42/48€39k€40k▲
Trade debts44€888€1k▲
Suppliers440/4€888€1k▲
Taxes, remuneration and social security45€35k€25k▼
Taxes450/3€35k€25k▼
Other amounts payable47/48€4k€14k▲
Income statement
Code20242025
Turnover70€215k€231k▲
Goods, raw materials, services and sundry goods60/61€158k€192k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€5k▼
Other operating charges640/8€1k€827▼
Gross operating margin9900€57k€44k▼
Operating profit (loss)9901€44k€39k▼
Financial income75/76B-€14k
Recurring financial income75-€14k
Financial charges65/66B€226€549▲
Recurring financial charges65€226€549▲
Profit (loss) for the period before taxes9903€44k€52k▲
Income taxes67/77€14k€16k▲
Profit (loss) for the period9904€30k€36k▲
Profit (loss) for the period to be appropriated9905€30k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€102k€108k▲
Profit (loss) brought forward from the previous period14P€72k€72k=
Transfer to equity691/2€30k€35k▲
To other reserves6921€30k€35k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €132k | €194k | €219k | €215k | €231k | ▲ 7.1% |
| Goods, raw materials, services and sundry goods60/61 | €102k | €130k | €153k | €158k | €192k | ▲ 21.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €12k | €12k | €12k | €5k | ▼ 56.9% |
| Other operating charges640/8 | €601 | €405 | €927 | €1k | €827 | ▼ 27.6% |
| Gross operating margin9900 | €30k | €64k | €67k | €57k | €44k | ▼ 21.8% |
| Operating profit (loss)9901 | €18k | €52k | €54k | €44k | €39k | ▼ 12.0% |
| Financial income75/76B | €676 | - | - | - | €14k | - |
| Recurring financial income75 | €676 | - | - | - | €14k | - |
| Financial charges65/66B | €224 | €822 | €363 | €226 | €549 | ▲ 143% |
| Recurring financial charges65 | €224 | €822 | €363 | €226 | €549 | ▲ 143% |
| Profit (loss) for the period before taxes9903 | €18k | €51k | €54k | €44k | €52k | ▲ 19.8% |
| Income taxes67/77 | €32k | €17k | €17k | €14k | €16k | ▲ 16.9% |
| Profit (loss) for the period9904 | €-14k | €34k | €37k | €30k | €36k | ▲ 21.1% |
| Profit (loss) for the period to be appropriated9905 | €-14k | €34k | €37k | €30k | €36k | ▲ 21.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €393k | €357k | €357k | €321k | €308k | ▼ 4.1% |
| Fixed assets21/28 | €44k | €32k | €21k | €11k | €9k | ▼ 16.1% |
| Tangible fixed assets22/27 | €44k | €32k | €21k | €11k | €9k | ▼ 16.2% |
| Furniture and vehicles24 | €29k | €19k | €10k | €3k | €4k | ▲ 29.1% |
| Other tangible fixed assets26 | €16k | €13k | €10k | €8k | €5k | ▼ 36.4% |
| Financial fixed assets28 | €65 | €65 | €65 | €65 | €65 | = |
| Current assets29/58 | €349k | €324k | €337k | €310k | €299k | ▼ 3.7% |
| Amounts receivable within one year40/41 | €78k | €49k | €17k | €23k | €8k | ▼ 63.1% |
| Trade receivables40 | €19k | €27k | €2k | - | - | - |
| Other amounts receivable41 | €59k | €22k | €15k | €23k | €8k | ▼ 63.1% |
| Current investments50/53 | - | - | €175k | €233k | €206k | ▼ 11.5% |
| Cash at bank and in hand54/58 | €271k | €275k | €141k | €54k | €82k | ▲ 50.6% |
| Deferred charges and accrued income490/1 | €287 | - | €4k | - | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €393k | €357k | €357k | €321k | €308k | ▼ 4.1% |
| Equity10/15 | €371k | €324k | €307k | €282k | €268k | ▼ 4.9% |
| Contributions10/11 | €6k | €6k | €6k | €1k | €1k | = |
| Capital10 | €6k | €6k | - | - | - | - |
| Issued capital100 | €19k | €19k | - | - | - | - |
| Uncalled capital101 | €12k | €12k | - | - | - | - |
| Reserves13 | €287k | €246k | €228k | €208k | €193k | ▼ 7.1% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Legal reserve130 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €286k | €244k | €228k | €208k | €193k | ▼ 7.1% |
| Profit (loss) carried forward14 | €77k | €72k | €72k | €72k | €73k | ▲ 1.3% |
| Amounts payable17/49 | €23k | €32k | €51k | €39k | €40k | ▲ 1.6% |
| Amounts payable after more than one year17 | €2k | €2k | - | - | - | - |
| Financial debts170/4 | €2k | €2k | - | - | - | - |
| Amounts payable within one year42/48 | €20k | €30k | €51k | €39k | €40k | ▲ 1.6% |
| Current portion of amounts payable after more than one year42 | €4k | - | - | - | - | - |
| Trade debts44 | - | €4k | €1k | €888 | €1k | ▲ 49.1% |
| Suppliers440/4 | - | €4k | €1k | €888 | €1k | ▲ 49.1% |
| Taxes, remuneration and social security45 | €16k | €24k | €44k | €35k | €25k | ▼ 29.0% |
| Taxes450/3 | €16k | €24k | €44k | €35k | €25k | ▼ 29.0% |
| Remuneration and social security454/9 | €242 | - | - | - | - | - |
| Other amounts payable47/48 | - | €2k | €5k | €4k | €14k | ▲ 295% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-14k | €34k | €37k | €30k | €36k | ▲ 21.1% |
| + Depreciation and write-downs630 | €12k | €12k | €12k | €12k | €5k | ▼ 56.9% |
| Operating cash flow (approximation) | €-1k | €47k | €49k | €42k | €41k | ▼ 1.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-2k | €-3k | ▼ 49.4% |
| Change in cash | - | €5k | €-134k | €-87k | €27k | ▲ 132% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 17.36
Current ratio from 5.45 to 17.36; short-term debt falls from €63k to €20k.
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 101 days late
2020
31-12
Financial
Highest result since 2018net €57k ▲137%
Net result €57k, the highest in the series.
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 144 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 70 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Sint-Pieters-Woluwe · 2 establishment units since 2008
Ground area
2,075 m²
Building footprint
247 m²
Volume, LiDAR
1,698 m³
2 parcels, Brussels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
2 establishment units
Rue Ramelot 8, 1428 Braine-l'Alleud
since 20082.167.825.185
CMconsulting
since 20162.363.349.471
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25054B0126/00E000 | Wallonia | 1,656 m² | 1 · 139 m² | 8.7 m · 2 fl. |
| 21683D0358/00E062 | Brussels | 419 m² | 1 · 108 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,037 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
47690Retail sale of other cultural and recreation goods
58290Other software publishing
62900Other information technology and computer services
Contact
Scores and ratios are computed by Checked and are not a credit decision.