M-Consul
ActiveThe computed 12-month bankruptcy probability of M-Consul is 1.6% (moderate). The 2025 annual accounts show equity of €77k and a net result of €-13k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 11257 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 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
Profitability1▼-99
Solvency100▲+9
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 6.64 against 2.65 in 2024; short-term debt: 13.9% and cash: 78.4% of total assets), and 14.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
85.8%
Return on assets
-14.2%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
15 d early
2024
29 d late
2023
30 d late
2022
31 d late
2021
61 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▼ 14.2%
2024 · €89k
2021: €63k
2022: €74k
2023: €146k
2024: €89k
2021 → 2025
Total assets
€89k▼ 34.1%
2024 · €136k
2021: €89k
2022: €121k
2023: €180k
2024: €136k
2021 → 2025
Net result
€-13k
2024 · €84k
2021: €60k
2022: €10k
2023: €72k
2024: €84k
2021 → 2025
Working capital
€70k▼ 7.8%
2024 · €76k
2021: €62k
2022: €67k
2023: €136k
2024: €76k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€74k▲ 16.4%€146k▲ 98.0%€89k▼ 38.7%€77k▼ 14.2%
Operating result€78k-€16k▼ 79.8%€93k▲ 493%€109k▲ 16.1%€-11k
Net result€60k-€10k▼ 82.8%€72k▲ 597%€84k▲ 16.1%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €109k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€7k▼ 50.2%
Current assets
€83k▼ 32.4%
Equity and liabilities €89k
Equity
€77k▼ 14.2%
Debt
€13k▼ 72.6%
The debt ratio falls from 34.1% to 14.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▼
2024 · €115k
Cash flow
€-6k▼
2024 · €90k
Solvency
85.8%▲
2024 · 65.9%
Current ratio
6.64▲
2024 · 2.65
Quick ratio
6.64▲
2024 · 2.65
Debt / equity
0.17▼
2024 · 0.52
ROE
-16.6%▼
2024 · 93.7%
ROA
-14.2%▼
2024 · 61.7%
Interest coverage
-4.18▼
2024 · 87.33
Debt
€13k▼
2024 · €46k
Debt ≤ 1 year
€12k▼
2024 · €46k
Income taxes
€177▼
2024 · €24k
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€136k€89k▼
Fixed assets21/28€13k€7k▼
Tangible fixed assets22/27€13k€7k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€9k€4k▼
Current assets29/58€122k€83k▼
Amounts receivable within one year40/41€45k€12k▼
Trade receivables40€31k€538▼
Other amounts receivable41€14k€12k▼
Cash at bank and in hand54/58€76k€70k▼
Deferred charges and accrued income490/1€2k€398▼
Equity and liabilities
Total equity and liabilities10/49€136k€89k▼
Equity10/15€89k€77k▼
Contributions10/11€3k€3k=
Reserves13€86k€86k=
Distributable reserves133€86k€86k=
Profit (loss) carried forward14-€-13k
Amounts payable17/49€46k€13k▼
Amounts payable within one year42/48€46k€12k▼
Trade debts44€16k€2k▼
Suppliers440/4€16k€2k▼
Taxes, remuneration and social security45€10k€2k▼
Taxes450/3€10k€2k▼
Other amounts payable47/48€20k€8k▼
Accrued charges and deferred income492/3€226€253▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€747€439▼
Gross operating margin9900€115k€-4k▼
Operating profit (loss)9901€109k€-11k▼
Financial income75/76B€105€40▼
Recurring financial income75€105€40▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€107k€-13k▼
Income taxes67/77€24k€177▼
Profit (loss) for the period9904€84k€-13k▼
Profit (loss) for the period to be appropriated9905€84k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€-13k▼
Transfer from equity791/2€120k-
Transfer to equity691/2€64k-
To other reserves6921€64k-
Profit to be distributed694/7€140k-
Return on contributions (dividend)694€140k-
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-13k ▼115%
Net result drops to €-13k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 6.64
Current ratio from 2.65 to 6.64; short-term debt falls from €46k to €12k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2021net €84k ▲16.1%
Operating result €109k, net result €84k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
27-03
State Gazette act
Publication
2023
31-12
Financial
Liquidity doublescurrent ratio 4.92
Current ratio from 2.42 to 4.92; short-term debt falls from €47k to €35k.
31-12
Financial
Equity above €100kEq €146k ▲98%
3 profitable years in a row build equity to €146k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 2020
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.
Victor Braeckmanlaan 109040 GentGround area
144 m²
Building footprint
108 m²
Volume, LiDAR
805 m³
Parcel 44432C0868/00T004, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
M-Consul
since 20202.308.781.330
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C0868/00T004 | Flanders | 144 m² | 1 · 108 m² | 10.6 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.
Similar companies · same sector, comparable size
NEWSENGINE
BE 0457.150.211
Antwerpen · Eq €77k
HBI TECHNOLOGY
BE 0720.941.612
Schaarbeek · Eq €77k
MOMMEN & CO
BE 0860.888.064
Veurne · Eq €77k
ALL DRINKS
BE 0474.261.011
Koksijde · Eq €77k
A.G. IMMO
BE 0891.691.306
Ronse · Eq €76k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,569. 1,957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2020
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
46499Wholesale of other household goods
47120Other non-specialised retail sale
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47793Retail sale of other second-hand goods, excluding clothing
47910Retail trade
47990Retail trade
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.