M-CONSULT
ActiveM-CONSULT has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €436k and a net result of €-60k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 13204 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
43
/ 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
Profitability12▼-1
Solvency62▼-5
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days only on tighter terms
Liquidity short (current ratio 0.0 against 0.0 in 2024; short-term debt: 47.4% and cash: 0.1% of total assets), and 63% 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.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-60k
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
31 d early
2023
41 d early
2022
49 d early
2021
20 d early
2020
33 d early
2019
26 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
€436k▼ 12.1%
2024 · €495k
2018: €690k
2019: €679k
2020: €634k
2021: €584k
2022: €566k
2023: €546k
2024: €495k
2018 → 2025
Total assets
€1.18M▼ 0.7%
2024 · €1.19M
2018: €940k
2019: €912k
2020: €992k
2021: €1.29M
2022: €1.24M
2023: €1.22M
2024: €1.19M
2018 → 2025
Net result
€-60k▼ 17.5%
2024 · €-51k
2018: €-721
2019: €-11k
2020: €-17k
2021: €-50k
2022: €-18k
2023: €-20k
2024: €-51k
2018 → 2025
Working capital
€-556k▼ 15.3%
2024 · €-483k
2018: €301k
2019: €182k
2020: €24k
2021: €-417k
2022: €-415k
2023: €-442k
2024: €-483k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€584k-€566k▼ 3.1%€546k▼ 3.5%€495k▼ 9.3%€436k▼ 12.1%
Operating result€-62k-€-23k▲ 63.3%€-23k▼ 2.7%€-55k▼ 136%€-65k▼ 17.7%
Net result€-50k-€-18k▲ 64.2%€-20k▼ 8.8%€-51k▼ 160%€-60k▼ 17.5%
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 €65k in 2025 against €55k 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 €1.18M
Fixed assets
€1.18M▼ 0.7%
Current assets
€2k▲ 2.3%
Equity and liabilities €1.18M
Equity
€436k▼ 12.1%
Provisions
€130k▼ 5.0%
Debt
€612k▲ 10.6%
The debt ratio rises from 46.7% to 51.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €-10k
Cash flow
€-13k▼
2024 · €-6k
Solvency
37.0%▼
2024 · 41.8%
Current ratio
0.00▼
2024 · 0.00
Quick ratio
0.00▼
2024 · 0.00
Debt / equity
1.40▲
2024 · 1.12
ROE
-13.7%▼
2024 · -10.3%
ROA
-5.1%▼
2024 · -4.3%
Interest coverage
-9.01▼
2024 · -3.45
Debt
€612k▲
2024 · €553k
Debt ≤ 1 year
€558k▲
2024 · €484k
Debt > 1 year
€54k▼
2024 · €69k
Income taxes
€141▼
2024 · €148
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€1.19M€1.18M▼
Fixed assets21/28€1.18M€1.18M▼
Tangible fixed assets22/27€1.18M€1.18M▼
Land and buildings22€1.18M€1.17M▼
Plant, machinery and equipment23€2k€1k▼
Assets under construction and advance payments27€2k€0▼
Current assets29/58€2k€2k▲
Amounts receivable within one year40/41€161€0▼
Other amounts receivable41€161€0▼
Cash at bank and in hand54/58€893€839▼
Deferred charges and accrued income490/1€468€718▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.18M▼
Equity10/15€495k€436k▼
Contributions10/11€19k€19k=
Reserves13€462k€442k▼
Tax-exempt reserves132€412k€391k▼
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€14k€-25k▼
Provisions and deferred taxes16€137k€130k▼
Deferred taxes168€137k€130k▼
Amounts payable17/49€553k€612k▲
Amounts payable after more than one year17€69k€54k▼
Financial debts170/4€69k€54k▼
Amounts payable within one year42/48€484k€558k▲
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€3k€862▼
Suppliers440/4€3k€862▼
Taxes, remuneration and social security45€378€2k▲
Taxes450/3€378€2k▲
Other amounts payable47/48€466k€540k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€47k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€-2k€-10k▼
Operating profit (loss)9901€-55k€-65k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-58k€-67k▼
Transfer from deferred taxes780€7k€7k=
Income taxes67/77€148€141▼
Profit (loss) for the period9904€-51k€-60k▼
Transfer from tax-exempt reserves789€21k€21k=
Profit (loss) for the period to be appropriated9905€-30k€-39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€-25k▼
Profit (loss) brought forward from the previous period14P€45k€14k▼
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (8 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-60k
Net result drops to €-60k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Bierbeek · 1 establishment unit since 1989
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.
Pimberg 933360 BierbeekGround area
1,578 m²
Building footprint
117 m²
Volume, LiDAR
768 m³
Parcel 24053B0135/00K000, Flanders · tallest building 13.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M-CONSULT
since 19892.045.728.218
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24053B0135/00K000 | Flanders | 1,578 m² | 1 · 117 m² | 13.6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBierbeek2.045.728.218
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BAUFAU
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ATELJEE V&G
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Of 7,506 companies in sector 56210 we hold annual accounts for 2,445. 1,379 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-1989
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
56112Limited-service restaurants, excluding mobile food services
62200Computer consultancy and computer facilities management
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 36 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.