CONSULTANCE, MANAGEMENT & CONCEPT
ActiveCONSULTANCE, MANAGEMENT & CONCEPT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €28k. Equity is growing by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 20.37 against 6.31 in 2024; short-term debt: 4.4% and cash: 17.1% of total assets), and 10.8% of the assets are financed with debt.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
89.2%
Return on assets
7.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
27 d early
2023
43 d early
2022
16 d late
2021
41 d early
2020
26 d late
2019
12 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€335k▲ 9.3%
2024 · €306k
2018: €55k
2019: €73k
2020: €79k
2021: €84k
2022: €104k
2023: €294k
2024: €306k
2018 → 2025
Total assets
€375k▲ 3.2%
2024 · €364k
2018: €147k
2019: €167k
2020: €141k
2021: €147k
2022: €192k
2023: €324k
2024: €364k
2018 → 2025
Net result
€28k▼ 12.6%
2024 · €32k
2018: €25k
2019: €40k
2020: €6k
2021: €5k
2022: €21k
2023: €190k
2024: €32k
2018 → 2025
Working capital
€319k▲ 6.5%
2024 · €299k
2018: €-2k
2019: €8k
2020: €12k
2021: €12k
2022: €26k
2023: €286k
2024: €299k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€104k▲ 24.8%€294k▲ 182%€306k▲ 4.2%€335k▲ 9.3%
Operating result€14k-€-14k€44k€40k▼ 8.6%€37k▼ 8.7%
Net result€5k-€21k▲ 343%€190k▲ 816%€32k▼ 82.9%€28k▼ 12.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€40k▲ 411%
Current assets
€335k▼ 5.7%
Equity and liabilities €375k
Equity
€335k▲ 9.3%
Debt
€41k▼ 28.9%
The debt ratio falls from 15.7% to 10.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €43k
Cash flow
€37k▲
2024 · €35k
Solvency
89.2%▲
2024 · 84.3%
Current ratio
20.37▲
2024 · 6.31
Quick ratio
20.37▲
2024 · 6.31
Debt / equity
0.12▼
2024 · 0.19
ROE
8.5%▼
2024 · 10.6%
ROA
7.6%▼
2024 · 8.9%
Interest coverage
13.99▼
2024 · 51.59
Debt
€41k▼
2024 · €57k
Debt ≤ 1 year
€16k▼
2024 · €56k
Debt > 1 year
€24k
Income taxes
€12k▼
2024 · €12k
Staff costs
€0▼
2024 · €500
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€364k€375k▲
Fixed assets21/28€8k€40k▲
Tangible fixed assets22/27€8k€40k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€36k▲
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€39€39=
Current assets29/58€356k€335k▼
Amounts receivable after more than one year29-€240k
Other amounts receivable291-€240k
Amounts receivable within one year40/41€296k€31k▼
Trade receivables40€54k€16k▼
Other amounts receivable41€242k€14k▼
Current investments50/53€0-
Cash at bank and in hand54/58€57k€64k▲
Deferred charges and accrued income490/1€3k€652▼
Equity and liabilities
Total equity and liabilities10/49€364k€375k▲
Equity10/15€306k€335k▲
Contributions10/11€19k€19k=
Reserves13€246k€274k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€244k€272k▲
Profit (loss) carried forward14€42k€42k▲
Amounts payable17/49€57k€41k▼
Amounts payable after more than one year17-€24k
Financial debts170/4-€24k
Amounts payable within one year42/48€56k€16k▼
Current portion of amounts payable after more than one year42-€9k
Trade debts44€33k€3k▼
Suppliers440/4€33k€3k▼
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€19k€2k▼
Accrued charges and deferred income492/3€911€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€500€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€8k▲
Other operating charges640/8€1k€538▼
Gross operating margin9900€44k€45k▲
Operating profit (loss)9901€40k€37k▼
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€828€3k▲
Recurring financial charges65€828€3k▲
Profit (loss) for the period before taxes9903€45k€40k▼
Income taxes67/77€12k€12k▼
Profit (loss) for the period9904€32k€28k▼
Profit (loss) for the period to be appropriated9905€32k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€70k▼
Profit (loss) brought forward from the previous period14P€41k€42k▲
Transfer from equity791/2€20k€0▼
Transfer to equity691/2€32k€28k▼
To other reserves6921€32k€28k▼
Profit to be distributed694/7€20k€0▼
Return on contributions (dividend)694€20k€0▼
The notes to these accounts (11 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 20.37
Current ratio from 6.31 to 20.37; short-term debt falls from €56k to €16k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €190k ▲816%
Net result €190k, the highest in the series.
31-12
Financial
Liquidity times 8current ratio 10.62
Current ratio from 1.29 to 10.62; short-term debt falls from €88k to €30k.
31-12
Financial
Equity above €200kEq €294k ▲182%
6 profitable years in a row build equity to €294k.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
31-12
Financial
Equity above €100kEq €104k ▲24.8%
5 profitable years in a row build equity to €104k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €5k ▼21.7%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
19-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 386 days late
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Namur · 1 establishment unit since 2016
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.
Allée de Hulpia(VD) 95020 NamurGround area
705 m²
Building footprint
117 m²
Volume, LiDAR
750 m³
Parcel 92128B0186/00M002, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CM&C
since 20162.249.813.941
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92128B0186/00M002 | Wallonia | 705 m² | 1 · 117 m² | 7.9 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.
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Mapiri
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Schaarbeek · Eq €335k
MALICO
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Ultim V
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 37,485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2016
Fiscal year end31-12
Abbreviation FR
CM & C
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jeanfrancois.vandermeulen@gmail.com
Phone:0475/85.10.57