M-Consulting Services
ActiveM-Consulting Services has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €399k and a net result of €-5k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 53% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-19
Solvency84▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.58 against 2.16 in 2024; short-term debt: 7.7% and cash: 8.3% of total assets), and 41.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-01-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
17 d early
2023
1 d early
2022
on the day
2021
7 d late
2020
6 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€399k▼ 1.3%
2024 · €404k
2019: €207k
2020: €246k
2021: €386k
2022: €323k
2023: €414k
2024: €404k
2019 → 2025
Total assets
€679k▼ 9.3%
2024 · €749k
2019: €799k
2020: €845k
2021: €903k
2022: €772k
2023: €810k
2024: €749k
2019 → 2025
Net result
€-5k
2024 · €49k
2019: €28k
2020: €39k
2021: €140k
2022: €33k
2023: €91k
2024: €49k
2019 → 2025
Working capital
€136k▲ 36.3%
2024 · €100k
2019: €75k
2020: €104k
2021: €225k
2022: €132k
2023: €137k
2024: €100k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€386k-€323k▼ 16.4%€414k▲ 28.1%€404k▼ 2.3%€399k▼ 1.3%
Operating result€191k-€77k▼ 59.8%€127k▲ 65.8%€71k▼ 44.3%€-178
Net result€140k-€33k▼ 76.6%€91k▲ 177%€49k▼ 46.4%€-5k
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 €178 after €71k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €679k
Fixed assets
€491k▼ 12.8%
Current assets
€188k▲ 1.4%
Equity and liabilities €679k
Equity
€399k▼ 1.3%
Provisions
€49k=
Debt
€231k▼ 21.8%
The debt ratio falls from 39.5% to 34.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€27k▼
2024 · €111k
Cash flow
€22k▼
2024 · €89k
Solvency
58.7%▲
2024 · 54.0%
Current ratio
3.58▲
2024 · 2.16
Quick ratio
3.58▲
2024 · 2.16
Debt / equity
0.58▼
2024 · 0.73
ROE
-1.3%▼
2024 · 12.0%
ROA
-0.8%▼
2024 · 6.5%
Interest coverage
4.86▼
2024 · 28.91
Debt
€231k▼
2024 · €295k
Debt ≤ 1 year
€53k▼
2024 · €86k
Debt > 1 year
€179k▼
2024 · €209k
Income taxes
€2k▼
2024 · €21k
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€749k€679k▼
Fixed assets21/28€563k€491k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€561k€489k▼
Land and buildings22€502k€480k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€56k€8k▼
Current assets29/58€186k€188k▲
Amounts receivable after more than one year29€19k€13k▼
Other amounts receivable291€19k€13k▼
Amounts receivable within one year40/41€68k€112k▲
Trade receivables40€42k€62k▲
Other amounts receivable41€26k€50k▲
Cash at bank and in hand54/58€92k€56k▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€749k€679k▼
Equity10/15€404k€399k▼
Contributions10/11€12k€12k=
Reserves13€391k€386k▼
Distributable reserves133€391k€386k▼
Profit (loss) carried forward14€391€0▼
Provisions and deferred taxes16€49k€49k=
Provisions for liabilities and charges160/5€49k€49k=
Pensions and similar obligations160€49k€49k=
Amounts payable17/49€295k€231k▼
Amounts payable after more than one year17€209k€179k▼
Financial debts170/4€209k€179k▼
Amounts payable within one year42/48€86k€53k▼
Current portion of amounts payable after more than one year42€42k€41k▼
Trade debts44€11k€8k▼
Suppliers440/4€11k€8k▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€28k€343▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€28k▼
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A-€17k
Gross operating margin9900€116k€48k▼
Operating profit (loss)9901€71k€-178▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€70k€-4k▼
Income taxes67/77€21k€2k▼
Profit (loss) for the period9904€49k€-5k▼
Profit (loss) for the period to be appropriated9905€49k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€-5k▼
Profit (loss) brought forward from the previous period14P€391€391=
Transfer from equity791/2€58k€5k▼
Transfer to equity691/2€49k€0▼
To other reserves6921€49k€0▼
Profit to be distributed694/7€58k€0▼
Return on contributions (dividend)694€58k€0▼
The notes to these accounts (15 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
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-5k ▼111%
Net result drops to €-5k, the lowest in the series.
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 7 days late
2021
30-06
Financial
Highest result since 2019net €140k ▲257%
Operating result €191k, net result €140k, both a record.
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Oostende · 1 establishment unit since 2011
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.
Kraaistraat 148400 OostendeGround area
790 m²
Building footprint
223 m²
Parcel 35020B0567/00Z000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
M-Consulting
since 20112.195.743.963
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35020B0567/00Z000 | Flanders | 790 m² | 1 · 223 m² | 0.1 m |
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 to 2023 · 2 entries · 2,128 EUR awarded · 2,128 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,901 EUR | 1,901 EUR |
| 2022 | 1 | 227 EUR | 227 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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NOVOCHAMIC
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HARACORP INVEST
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HDD MANAGEMENT
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 36,385 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2011
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
55209Other holiday and short-stay accommodation
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.