Erma Consulting

Active

Private limited companyfounded 20241 yr activeLange Zandstraat(WAL) 78, 2800 Mechelen, BelgiumKBO/BCE: BE 1016.767.064

Summary

Erma Consulting has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,494 and a net result of €8,494. The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch Report Compare

Erma ConsultingActiveChecked score 68/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€30,722total assets 2025

Equity: €13,494
Profit: €8,494

Turnover not published (abridged schema)

Financial health

68 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.9%

Structure

Accounts 39 d early0 of 1 deed read

Why 68- Founded in 2024- No main activity registered+ Liquidity: current ratio 1.69, cash €16,863+ Size: total assets €30,722Show the evidence

Checked score

Score 2025

68 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 66% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 69

equity 43.9% of total assets

Liquidity 72

short-term debt 55.4% · cash 54.9%

Profitability 100

return on assets 27.6%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2025: 2.4%highest value 01-2026: 0.8%▼ -66.9% vs 12-2025lowest value 02-2026: 0.8%● 0.0% vs 01-2026lowest value 03-2026: 0.8%▲ +1.5% vs 02-2026 04-2026: 0.8%● 0.0% vs 03-2026 05-2026: 0.8%▲ +0.5% vs 04-2026 06-2026: 0.8%● 0.0% vs 05-2026 07-2026: 0.8%▲ +1.1% vs 06-2026 08-2026: 0.8%● 0.0% vs 07-2026 09-2026: 0.8%▲ +2.4% vs 08-2026 10-2026: 0.9%▲ +10.0% vs 09-2026

Liquidity: current ratio 1.69, cash €16,863 lowers the probability
Founded in 2024 raises the probability for this profile
No main activity registered raises the probability
Size: total assets €30,722 lowers the probability for this profile

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 1.69; short-term debt: 55.4% and cash: 54.9% of total assets), but 56.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 41%, liquidity 67%, profitability 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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