ERM CONSULT
ActiveERM CONSULT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €680 and a net result of €58k. Equity is shrinking by ~16.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 15% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26▼-29
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight 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
Sector 62
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
0.6%
Return on assets
53.4%
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2672 sector peers (2025).
NBB · sector comparisonPosition among 2672 sector peers
Solvency
better than 15%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
16 d early
2024
29 d late
2023
on the day
2022
61 d late
2021
22 d late
2020
28 d late
2019
84 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€680▼ 98.5%
2024 · €44k
2018: €83k
2019: €128k
2020: €134k
2021: €92k
2022: €92k
2023: €93k
2024: €44k
2018 → 2025
Total assets
€108k▼ 26.3%
2024 · €146k
2018: €98k
2019: €145k
2020: €202k
2021: €205k
2022: €170k
2023: €185k
2024: €146k
2018 → 2025
Net result
€58k▲ 17.0%
2024 · €49k
2018: €24k
2019: €44k
2020: €60k
2021: €61k
2022: €65k
2023: €64k
2024: €49k
2018 → 2025
Working capital
€-29k
2024 · €5k
2018: €65k
2019: €109k
2020: €124k
2021: €76k
2022: €83k
2023: €69k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€92k▲ 0.1%€93k▲ 0.7%€44k▼ 52.0%€680▼ 98.5%
Operating result€74k-€81k▲ 9.3%€83k▲ 1.9%€63k▼ 23.3%€74k▲ 16.4%
Net result€61k-€65k▲ 5.7%€64k▼ 1.4%€49k▼ 22.6%€58k▲ 17.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets
€30k▼ 24.7%
Current assets
€78k▼ 26.9%
Equity and liabilities €108k
Equity
€680▼ 98.5%
Debt
€107k▲ 5.3%
The debt ratio rises from 69.6% to 99.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€87k▲
2024 · €74k
Cash flow
€71k▲
2024 · €60k
Solvency
0.6%▼
2024 · 30.4%
Current ratio
0.73▼
2024 · 1.05
Quick ratio
0.73▼
2024 · 1.05
ROA
53.4%▲
2024 · 33.6%
Interest coverage
573.97▲
2024 · 182.46
Debt
€107k▲
2024 · €102k
Debt ≤ 1 year
€107k▲
2024 · €102k
Income taxes
€16k▲
2024 · €14k
Equity ratios withheld: equity of €680 is too small for a meaningful ratio.
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€146k€108k▼
Fixed assets21/28€40k€30k▼
Tangible fixed assets22/27€40k€30k▼
Furniture and vehicles24€39k€29k▼
Other tangible fixed assets26€692€579▼
Current assets29/58€107k€78k▼
Amounts receivable within one year40/41€18k€20k▲
Trade receivables40€14k€14k▲
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€85k€55k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€146k€108k▼
Equity10/15€44k€680▼
Contributions10/11€10€10=
Outside capital11€10€10=
Other1109/19€10€10=
Reserves13€44k-
Distributable reserves133€44k-
Profit (loss) carried forward14€46€670▲
Amounts payable17/49€102k€107k▲
Amounts payable within one year42/48€102k€107k▲
Trade debts44€2k€917▼
Suppliers440/4€2k€917▼
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€91k€104k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€537€400▼
Gross operating margin9900€75k€88k▲
Operating profit (loss)9901€63k€74k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€408€152▼
Recurring financial charges65€408€152▼
Profit (loss) for the period before taxes9903€63k€74k▲
Income taxes67/77€14k€16k▲
Profit (loss) for the period9904€49k€58k▲
Profit (loss) for the period to be appropriated9905€49k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€58k▲
Profit (loss) brought forward from the previous period14P€808€46▼
Transfer from equity791/2€47k€44k▼
Profit to be distributed694/7€97k€101k▲
Return on contributions (dividend)694€97k€101k▲
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
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Highest result since 2018net €65k ▲5.7%
Net result €65k, the highest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
31-12
Financial
Equity above €100kEq €128k ▲53.4%
2 profitable years in a row build equity to €128k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ukkel · 1 establishment unit since 2014
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.
Engelandstraat 4131180 UkkelGround area
340 m²
Building footprint
80 m²
Volume, LiDAR
724 m³
Parcel 21614F0239/00K000, Brussels · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ERM CONSULT
since 20142.233.521.505
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614F0239/00K000 | Brussels | 340 m² | 1 · 80 m² | 12.5 m · 3 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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Of 16,874 companies in sector 62100 we hold annual accounts for 8,779. 758 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2014
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:erick@openchill.org
Phone:0479/139 642