M & E Consulting
ActiveThe annual accounts of M & E Consulting for fiscal year 2025 show a net loss of 157% of the equity at the start of that year. The 2025 annual accounts show equity of €124k and a net result of €-332k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 4844 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-70
Solvency43▼-21
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.12 against 0.23 in 2024; short-term debt: 54.9% and cash: 0.3% of total assets), and 81.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
18.1%
Return on assets
-48.5%
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 20% of 4844 sector peers (2025).
NBB · sector comparisonPosition among 4844 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
39 d late
2023
29 d early
2022
30 d late
2021
2 d early
2020
17 d early
2019
4 d early
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-332k
2024 · €11k
2018: €27k
2019: €40k
2020: €38k
2021: €973
2022: €10k
2023: €2k
2024: €11k
2018 → 2025
Working capital
€-331k▼ 307%
2024 · €-81k
2018: €-88k
2019: €-70k
2020: €-45k
2021: €-58k
2022: €-63k
2023: €-74k
2024: €-81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€189k-€199k▲ 5.1%€200k▲ 0.9%€212k▲ 5.6%€124k▼ 41.4%
Operating result€21k-€22k▲ 5.2%€15k▼ 32.0%€20k▲ 36.9%€384▼ 98.1%
Net result€973-€10k▲ 892%€2k▼ 80.9%€11k▲ 511%€-332k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €684k
Fixed assets
€639k▲ 24.3%
Current assets
€45k▲ 81.5%
Equity and liabilities €684k
Equity
€124k▼ 41.4%
Debt
€560k▲ 71.1%
The debt ratio rises from 60.7% to 81.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€20k▼
2024 · €40k
Cash flow
€-313k▼
2024 · €31k
Solvency
18.1%▼
2024 · 39.3%
Current ratio
0.12▼
2024 · 0.23
Quick ratio
0.12▼
2024 · 0.23
Debt / equity
4.51▲
2024 · 1.55
ROE
-267.6%▼
2024 · 5.3%
ROA
-48.5%▼
2024 · 2.1%
Interest coverage
0.09▼
2024 · 8.06
Debt
€560k▲
2024 · €327k
Debt ≤ 1 year
€375k▲
2024 · €106k
Debt > 1 year
€177k▼
2024 · €214k
Income taxes
€60▼
2024 · €4k
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€539k€684k▲
Fixed assets21/28€514k€639k▲
Tangible fixed assets22/27€414k€639k▲
Land and buildings22€414k€639k▲
Furniture and vehicles24€0-
Financial fixed assets28€100k€0▼
Current assets29/58€25k€45k▲
Amounts receivable within one year40/41€8k€41k▲
Trade receivables40€3k€14k▲
Other amounts receivable41€5k€28k▲
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€11k€2k▼
Equity and liabilities
Total equity and liabilities10/49€539k€684k▲
Equity10/15€212k€124k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12-€244k
Reserves13€150k€150k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€143k€143k=
Profit (loss) carried forward14€0€-332k▼
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Major repairs and maintenance162€0-
Amounts payable17/49€327k€560k▲
Amounts payable after more than one year17€214k€177k▼
Financial debts170/4€214k€177k▼
Amounts payable within one year42/48€106k€375k▲
Current portion of amounts payable after more than one year42€36k€37k▲
Financial debts43€0€260k▲
Credit institutions430/8€0€260k▲
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€8k€60▼
Taxes450/3€4k€60▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€58k€67k▲
Accrued charges and deferred income492/3€8k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-3k€0▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€42k€24k▼
Operating profit (loss)9901€20k€384▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€5k€332k▲
Recurring financial charges65€5k€232k▲
Non-recurring financial charges66B-€100k
Profit (loss) for the period before taxes9903€15k€-332k▼
Income taxes67/77€4k€60▼
Profit (loss) for the period9904€11k€-332k▼
Profit (loss) for the period to be appropriated9905€11k€-332k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€-332k▼
Profit (loss) brought forward from the previous period14P€-6k€0▲
Transfer to equity691/2€5k€0▼
To other reserves6921€5k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-332k ▼3057%
Net result drops to €-332k, the lowest in the series.
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 39 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €200k ▲0.9%
6 profitable years in a row build equity to €200k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €188k ▲25.5%
3 profitable years in a row build equity to €188k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €40k ▲50.2%
Operating result €65k, net result €40k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Destelbergen · 1 establishment unit since 1988
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.
Eenbeekstraat 409070 DestelbergenGround area
4,497 m²
Building footprint
552 m²
Volume, LiDAR
2,699 m³
Parcel 44013A0302/02L000, Flanders · tallest building 18.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
M & E CONSULTING NV
since 19882.039.410.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013A0302/02L000 | Flanders | 4,497 m² | 1 · 552 m² | 18.4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 828 companies in sector 46620 we hold annual accounts for 642. 425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-07-1988
Fiscal year end31-12
Activities, NACEBEL
46620Wholesale of machine tools
33200Installation of industrial machinery and equipment
43211General electrical installation work
43212Electrical installation work in industrial facilities
46140Agents in the wholesale of industrial machinery, ships and aircraft
46643Wholesale of electrical equipment, including installation materials
46831Wholesale of construction materials, general range
47552Retail sale of lighting equipment
47592Retail trade
52442
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 37 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.