FM3V
ActiveSummary
FM3V has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €50k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▼-8
Solvency70▼-30
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 5.75 in 2024; short-term debt: 55.2% of total assets), but 55.3% of the assets are financed with debt.
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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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
44.7%
Return on assets
12.9%
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 20-03-2026, 133 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
133 d early
2024
41 d early
2023
29 d early
2022
9 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
History
Financials · fiscal year 2025, micro schema
Equity
€172k▼ 36.9%
2024 · €272k
Total assets
€384k▲ 17.0%
2024 · €328k
Net result
€50k▼ 22.7%
2024 · €64k
Working capital
€170k▼ 36.3%
2024 · €266k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€164k-€98k▼ 40.1%€92k▼ 6.5%€73k▼ 20.1%
Net result€126k-€77k▼ 39.0%€64k▼ 16.5%€50k▼ 22.7%
Equity€131k-€208k▲ 58.6%€272k▲ 30.9%€172k▼ 36.9%
Total assets€186k-€277k▲ 49.0%€328k▲ 18.7%€384k▲ 17.0%
Debt€54k-€69k▲ 25.8%€56k▼ 18.0%€212k▲ 278%
Working capital€131k-€198k▲ 51.3%€266k▲ 34.3%€170k▼ 36.3%
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 three years in a row; 2025 is 20% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €384k
Fixed assets
€3k ▼ 58.6%
Current assets
€382k ▲ 18.5%
Equity and liabilities €384k
Equity
€172k ▼ 36.9%
Debt
€212k ▲ 278%
Debt's share of the balance-sheet total rises from 17.1% to 55.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€77k▼
2024 · €95k
Cash flow
€53k▼
2024 · €68k
Current ratio
1.80▼
2024 · 5.75
Debt to equity
1.24▲
2024 · 0.21
ROE
28.9%▲
2024 · 23.6%
ROA
12.9%▼
2024 · 19.5%
Interest coverage
42.56▼
2024 · 50.65
Debt ≤ 1 year
€212k▲
2024 · €56k
Income taxes
€22k▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €128 | €1k | €4k | €4k | = |
| Other operating charges640/8 | - | €1k | €564 | €690 | ▲ 22.3% |
| Gross operating margin9900 | €164k | €100k | €96k | €78k | ▼ 19.1% |
| Operating profit (loss)9901 | €164k | €98k | €92k | €73k | ▼ 20.1% |
| Financial income75/76B | - | - | €4 | - | - |
| Recurring financial income75 | - | - | €4 | - | - |
| Financial charges65/66B | €2k | €1k | €2k | €2k | ▼ 4.0% |
| Recurring financial charges65 | €2k | €1k | €2k | €2k | ▼ 4.0% |
| Profit (loss) for the period before taxes9903 | €162k | €97k | €90k | €71k | ▼ 20.4% |
| Income taxes67/77 | €36k | €20k | €26k | €22k | ▼ 14.8% |
| Profit (loss) for the period9904 | €126k | €77k | €64k | €50k | ▼ 22.7% |
| Profit (loss) for the period to be appropriated9905 | €126k | €77k | €64k | €50k | ▼ 22.7% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €186k | €277k | €328k | €384k | ▲ 17.0% |
| Fixed assets21/28 | €413 | €10k | €6k | €3k | ▼ 58.6% |
| Tangible fixed assets22/27 | €413 | €10k | €6k | €3k | ▼ 58.6% |
| Furniture and vehicles24 | €413 | €10k | €6k | €3k | ▼ 58.6% |
| Current assets29/58 | €185k | €267k | €322k | €382k | ▲ 18.5% |
| Amounts receivable within one year40/41 | €185k | €267k | €314k | €382k | ▲ 21.6% |
| Trade receivables40 | €16k | - | €418 | - | - |
| Other amounts receivable41 | €170k | €267k | €313k | €382k | ▲ 21.8% |
| Cash at bank and in hand54/58 | - | - | €8k | - | - |
| Deferred charges and accrued income490/1 | - | €227 | €234 | €238 | ▲ 1.7% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €186k | €277k | €328k | €384k | ▲ 17.0% |
| Equity10/15 | €131k | €208k | €272k | €172k | ▼ 36.9% |
| Contributions10/11 | €5k | €5k | €5k | €5k | = |
| Reserves13 | - | - | €64k | €114k | ▲ 77.5% |
| Distributable reserves133 | - | - | €64k | €114k | ▲ 77.5% |
| Profit (loss) carried forward14 | €126k | €203k | €203k | €53k | ▼ 73.8% |
| Amounts payable17/49 | €54k | €69k | €56k | €212k | ▲ 278% |
| Amounts payable within one year42/48 | €54k | €69k | €56k | €212k | ▲ 279% |
| Financial debts43 | €9k | €2k | - | €3k | - |
| Credit institutions430/8 | €9k | €2k | - | €3k | - |
| Trade debts44 | €85 | €1k | €741 | €2k | ▲ 194% |
| Suppliers440/4 | €85 | €1k | €741 | €2k | ▲ 194% |
| Taxes, remuneration and social security45 | €45k | €65k | €55k | €57k | ▲ 2.8% |
| Taxes450/3 | €45k | €65k | €55k | €57k | ▲ 2.8% |
| Other amounts payable47/48 | - | - | - | €150k | - |
| Accrued charges and deferred income492/3 | €242 | €42 | €168 | €193 | ▲ 14.9% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €126k | €77k | €64k | €50k | ▼ 22.7% |
| + Depreciation and write-downs630 | €128 | €1k | €4k | €4k | = |
| Operating cash flow (approximation) | €126k | €78k | €68k | €53k | ▼ 21.5% |
| Investment in fixed assets (approximation) | - | €-11k | €0 | €0 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €50k ▼22.7%
Net result drops to €50k, the lowest in the series.
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €208k ▲58.6%
2 profitable years in a row build equity to €208k.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 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, Liège · 1 establishment unit since 2021
Ground area
107 m²
Building footprint
72 m²
Volume, LiDAR
1,203 m³
Parcel 62813E0287/00C002, Wallonia · tallest building 21.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
FM3V
since 20212.320.197.735
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62813E0287/00C002 | Wallonia | 107 m² | 1 · 72 m² | 21.3 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
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 82,632 companies in sector 70200 we hold annual accounts for 52,575. 40,657 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
Founded18-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
64999Other financial services
Scores and ratios are computed by Checked and are not a credit decision.