E&TM Consulting
ActiveSummary
E&TM Consulting has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €260k and a net result of €108k. Its solvency ranks better than 66% of 199 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (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
Profitability100=
Solvency93▼-6
Growth52
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 3.06 against 3.39 in 2024; short-term debt: 31.6% and cash: 88.3% of total assets), and 31.6% 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 26
Relative position
BE, all sectors
reference
Sector 26
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
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
68.4%
Return on assets
28.4%
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 04-08-2026, 4 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 · 2 filingsDeviation from the deadline
2025
4 d late
2024
37 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
Equity
€260k▲ 55.8%
2024 · €167k
2024: €167k
2024 → 2025
Total assets
€381k▲ 68.0%
2024 · €226k
2024: €226k
2024 → 2025
Net result
€108k▼ 34.2%
2024 · €165k
2024: €165k
2024 → 2025
Working capital
€248k▲ 74.2%
2024 · €142k
2024: €142k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€167k-€260k▲ 55.8%
Operating result€216k-€152k▼ 29.7%
Net result€165k-€108k▼ 34.2%
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 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €381k
Fixed assets
€12k ▼ 49.7%
Current assets
€368k ▲ 82.5%
Equity and liabilities €381k
Equity
€260k ▲ 55.8%
Debt
€120k ▲ 102%
Debt's share of the balance-sheet total rises from 26.2% to 31.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€165k▼
2024 · €217k
Cash flow
€121k▼
2024 · €165k
Current ratio
3.06▼
2024 · 3.39
Debt to equity
0.46▲
2024 · 0.36
ROE
41.6%▼
2024 · 98.5%
ROA
28.4%▼
2024 · 72.7%
Interest coverage
3324.05▼
2024 · 13370.73
Debt ≤ 1 year
€120k▲
2024 · €59k
Income taxes
€44k▼
2024 · €51k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€226k€381k▲
Fixed assets21/28€25k€12k▼
Tangible fixed assets22/27€25k€12k▼
Furniture and vehicles24€25k€12k▼
Current assets29/58€202k€368k▲
Amounts receivable within one year40/41€22k€30k▲
Trade receivables40€15k€17k▲
Other amounts receivable41€7k€13k▲
Cash at bank and in hand54/58€177k€336k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€226k€381k▲
Equity10/15€167k€260k▲
Contributions10/11€3k€3k=
Reserves13-€258k
Distributable reserves133-€258k
Profit (loss) carried forward14€165k-
Amounts payable17/49€59k€120k▲
Amounts payable within one year42/48€59k€120k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€58k€119k▲
Taxes450/3€58k€119k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€916€13k▲
Other operating charges640/8€2k€746▼
Gross operating margin9900€219k€165k▼
Operating profit (loss)9901€216k€152k▼
Financial income75/76B€107€304▲
Recurring financial income75€107€304▲
Financial charges65/66B€16€50▲
Recurring financial charges65€16€50▲
Profit (loss) for the period before taxes9903€216k€152k▼
Income taxes67/77€51k€44k▼
Profit (loss) for the period9904€165k€108k▼
Profit (loss) for the period to be appropriated9905€165k€108k▼
Appropriation of the result
Profit (loss) to be appropriated9906€165k€108k▼
Transfer to equity691/2-€108k
To other reserves6921-€108k
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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Equity above €200kEq €260k ▲55.8%
2 profitable years in a row build equity to €260k.
06-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 37 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Seraing · 1 establishment unit since 2023
Ground area
698 m²
Building footprint
105 m²
Parcel 62353D0246/00E069, Wallonia. Linked by address, not a title deed.
1 establishment unit
E&TM Consulting
since 20232.347.724.256
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62353D0246/00E069 | Wallonia | 698 m² | 1 · 105 m² | - |
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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Of 428 companies in sector 26700 we hold annual accounts for 341. 302 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
Founded26-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
26700Manufacture of computer, electronic and optical products
61200Telecommunications resale and intermediation services
71121Engineering and related technical consultancy, excluding land surveyors
72109Other research and development on natural sciences
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.