M BRUIJN Consult
ActiveSummary
M BRUIJN Consult has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-15k) and a net result of €-20k. Equity is shrinking by ~103.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-38
Growth32=
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.31 against 1.01 in 2024; short-term debt: 242.1% and cash: 21.6% of total assets), and equity is negative.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-142.1%
Return on assets
-184.2%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-15k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
2 d early
2023
98 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-15k
2024 · €4k
2023: €16k
2024: €4k
2023 → 2025
Total assets
€11k▼ 68.4%
2024 · €34k
2023: €29k
2024: €34k
2023 → 2025
Net result
€-20k▼ 68.9%
2024 · €-12k
2023: €13k
2024: €-12k
2023 → 2025
Working capital
€-18k
2024 · €149
2023: €16k
2024: €149
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€16k-€4k▼ 72.2%€-15k
Operating result€17k-€-8k€-17k▼ 109%
Net result€13k-€-12k€-20k▼ 68.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €8k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11k
Fixed assets
€3k ▼ 38.7%
Current assets
€8k ▼ 72.8%
Key figures and ratios
EBITDA
€-16k▼
2024 · €-8k
Cash flow
€-18k▼
2024 · €-11k
Solvency
-142.1%▼
2024 · 13.3%
Current ratio
0.31▼
2024 · 1.01
Quick ratio
0.14▼
2024 · 1.01
Debt / equity
-1.70▼
2024 · 6.54
ROA
-184.2%▼
2024 · -34.4%
Interest coverage
-8.41▼
2024 · -2.40
Debt
€26k▼
2024 · €29k
Debt ≤ 1 year
€26k▼
2024 · €29k
Income taxes
€161
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34k€11k▼
Fixed assets21/28€4k€3k▼
Intangible fixed assets21€4k€3k▼
Current assets29/58€29k€8k▼
Stocks and contracts in progress3-€4k
Stocks30/36-€4k
Amounts receivable within one year40/41€23k€894▼
Trade receivables40€23k-
Other amounts receivable41-€894
Cash at bank and in hand54/58€5k€2k▼
Deferred charges and accrued income490/1€816€295▼
Equity and liabilities
Total equity and liabilities10/49€34k€11k▼
Equity10/15€4k€-15k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€1k€-18k▼
Amounts payable17/49€29k€26k▼
Amounts payable within one year42/48€29k€26k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€2k€315▼
Taxes450/3€2k€315▼
Other amounts payable47/48€25k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€697€2k▲
Other operating charges640/8€2k€324▼
Gross operating margin9900€-6k€-15k▼
Operating profit (loss)9901€-8k€-17k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-12k€-19k▼
Income taxes67/77-€161
Profit (loss) for the period9904€-12k€-20k▼
Profit (loss) for the period to be appropriated9905€-12k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-18k▼
Profit (loss) brought forward from the previous period14P€13k€1k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Leuven · 1 establishment unit since 2022
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.
Cristianlaan 393010 LeuvenGround area
184 m²
Building footprint
74 m²
Volume, LiDAR
356 m³
Parcel 24483E0078/00E000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M BRUIJN Consult
since 20222.330.792.907
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0078/00E000 | Flanders | 184 m² | 1 · 74 m² | 7.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 273 EUR awarded · 273 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 273 EUR | 273 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 14,506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.