FMO CONSULT
ActiveSummary
FMO CONSULT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €95. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 14% of 3307 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability28▼-6
Solvency31▼-2
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.08 in 2024; short-term debt: 50.2% and cash: 1.7% of total assets), and 94% of the assets are financed with debt.
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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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% 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
6%
Return on assets
0%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 3307 sector peers (2025).
NBB · sector comparisonPosition among 3307 sector peers
Solvency
better than 14%
← 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 18-07-2026, 13 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
13 d early
2024
7 d early
2023
37 d early
2022
16 d early
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€95▼ 99.4%
2024 · €17k
Working capital
€-742k▼ 47.5%
2024 · €-503k
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€51k-€69k▲ 33.5%€38k▼ 44.3%€39k▲ 2.7%
Net result€33k-€42k▲ 27.4%€17k▼ 59.8%€95▼ 99.4%
Equity€34k-€76k▲ 124%€93k▲ 22.2%€93k▲ 0.1%
Total assets€1.14M-€1.15M▲ 0.8%€1.10M▼ 3.6%€1.56M▲ 41.0%
Debt€1.10M-€1.07M▼ 3.0%€1.01M▼ 5.5%€1.46M▲ 44.7%
Working capital€-436k-€-454k▼ 4.2%€-503k▼ 10.8%€-742k▼ 47.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.56M
Fixed assets
€1.52M ▲ 42.9%
Current assets
€39k ▼ 7.7%
Equity and liabilities €1.56M
Equity
€93k ▲ 0.1%
Debt
€1.46M ▲ 44.7%
Debt's share of the balance-sheet total rises from 91.6% to 94.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▲
2024 · €39k
Cash flow
€751▼
2024 · €18k
Current ratio
0.05▼
2024 · 0.08
Debt to equity
15.80▲
2024 · 10.93
ROE
0.1%▼
2024 · 18.2%
ROA
0.0%▼
2024 · 1.5%
Interest coverage
1.08▼
2024 · 1.57
Debt ≤ 1 year
€781k▲
2024 · €545k
Debt > 1 year
€683k▲
2024 · €466k
Income taxes
€2k▼
2024 · €5k
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 | €315 | €566 | €656 | €656 | = |
| Other operating charges640/8 | €2k | €662 | €1k | €1k | ▲ 3.0% |
| Gross operating margin9900 | €53k | €70k | €40k | €41k | ▲ 2.7% |
| Operating profit (loss)9901 | €51k | €69k | €38k | €39k | ▲ 2.7% |
| Financial income75/76B | €0 | €8k | €9k | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €8k | €9k | €0 | ▼ 100% |
| Financial charges65/66B | €5k | €21k | €25k | €37k | ▲ 49.3% |
| Recurring financial charges65 | €5k | €21k | €25k | €37k | ▲ 49.3% |
| Profit (loss) for the period before taxes9903 | €47k | €56k | €22k | €2k | ▼ 89.8% |
| Income taxes67/77 | €14k | €14k | €5k | €2k | ▼ 57.7% |
| Profit (loss) for the period9904 | €33k | €42k | €17k | €95 | ▼ 99.4% |
| Profit (loss) for the period to be appropriated9905 | €33k | €42k | €17k | €95 | ▼ 99.4% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €1.14M | €1.15M | €1.10M | €1.56M | ▲ 41.0% |
| Fixed assets21/28 | €1.06M | €1.06M | €1.06M | €1.52M | ▲ 42.9% |
| Tangible fixed assets22/27 | €1k | €2k | €973 | €317 | ▼ 67.4% |
| Furniture and vehicles24 | €1k | €2k | €973 | €317 | ▼ 67.4% |
| Financial fixed assets28 | €1.06M | €1.06M | €1.06M | €1.52M | ▲ 43.0% |
| Current assets29/58 | €75k | €83k | €42k | €39k | ▼ 7.7% |
| Amounts receivable within one year40/41 | €6k | €11k | €12k | €13k | ▲ 6.3% |
| Trade receivables40 | €175 | - | - | - | - |
| Other amounts receivable41 | €6k | €11k | €12k | €13k | ▲ 6.3% |
| Cash at bank and in hand54/58 | €68k | €71k | €30k | €26k | ▼ 13.4% |
| Deferred charges and accrued income490/1 | €773 | €1k | €201 | €206 | ▲ 2.5% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €1.14M | €1.15M | €1.10M | €1.56M | ▲ 41.0% |
| Equity10/15 | €34k | €76k | €93k | €93k | ▲ 0.1% |
| Contributions10/11 | €1k | €1k | €1k | €1k | = |
| Profit (loss) carried forward14 | €33k | €75k | €92k | €92k | ▲ 0.1% |
| Amounts payable17/49 | €1.10M | €1.07M | €1.01M | €1.46M | ▲ 44.7% |
| Amounts payable after more than one year17 | €593k | €533k | €466k | €683k | ▲ 46.5% |
| Financial debts170/4 | €593k | €533k | €466k | €683k | ▲ 46.5% |
| Amounts payable within one year42/48 | €511k | €537k | €545k | €781k | ▲ 43.2% |
| Current portion of amounts payable after more than one year42 | €58k | €60k | €67k | €113k | ▲ 70.0% |
| Financial debts43 | - | - | €1k | €2k | ▲ 51.9% |
| Credit institutions430/8 | - | - | €1k | €2k | ▲ 51.9% |
| Trade debts44 | €261 | €57 | €80 | €50 | ▼ 37.4% |
| Suppliers440/4 | €261 | €57 | €80 | €50 | ▼ 37.4% |
| Taxes, remuneration and social security45 | €30k | €43k | €28k | €12k | ▼ 55.4% |
| Taxes450/3 | €30k | €43k | €28k | €12k | ▼ 55.4% |
| Other amounts payable47/48 | €422k | €435k | €450k | €653k | ▲ 45.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33k | €42k | €17k | €95 | ▼ 99.4% |
| + Depreciation and write-downs630 | €315 | €566 | €656 | €656 | = |
| Operating cash flow (approximation) | €33k | €42k | €18k | €751 | ▼ 95.7% |
| Investment in fixed assets (approximation) | - | €-1k | €0 | €-456k | - |
| Change in cash | - | €2k | €-40k | €-4k | ▲ 90.0% |
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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €95 ▼99.4%
Net result drops to €95, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €42k ▲27.4%
Operating result €69k, net result €42k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2021
Ground area
399 m²
Building footprint
62 m²
Volume, LiDAR
549 m³
Parcel 56058C0228/00K000, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FMO CONSULT
since 20212.317.725.027
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058C0228/00K000 | Wallonia | 399 m² | 1 · 61 m² | 10.6 m · 3 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 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,455 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
Founded27-05-2021
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.