M-ICT
ActiveSummary
M-ICT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,650 and a net result of -€6,273. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 17220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-95
Solvency64▼-7
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.27 in 2024; short-term debt: 60.9% and cash: 19.4% of total assets), and 60.9% of the assets are financed with debt.
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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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
39.1%
Return on assets
-18%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 4 filingsDeviation from the deadline
2025
25 d late
2024
31 d late
2023
19 d late
2022
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
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. Usually files around 28 August (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€13,650▼ 31.5%
2024 · €19,923
Total assets
€34,869▼ 19.9%
2024 · €43,538
Net result
-€6,273
2024 · €9,198
Working capital
€3,444▼ 46.7%
2024 · €6,462
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€12,236-€6,739▼ 44.9%€13,641▲ 102%-€6,017
Net result€8,006within the sector's middle half-€4,151within the sector's middle half▼ 48.2%€9,198within the sector's middle half▲ 122%-€6,273below the sector's middle half
Equity€8,206below the sector's middle half-€11,557below the sector's middle half▲ 40.8%€19,923below the sector's middle half▲ 72.4%€13,650below the sector's middle half▼ 31.5%
Total assets€23,437below the sector's middle half-€43,188below the sector's middle half▲ 84.3%€43,538below the sector's middle half▲ 0.8%€34,869below the sector's middle half▼ 19.9%
Debt€15,231-€31,631▲ 108%€23,616▼ 25.3%€21,220▼ 10.1%
Working capital€1,881below the sector's middle half-€4,455below the sector's middle half▲ 137%€6,462below the sector's middle half▲ 45.1%€3,444below the sector's middle half▼ 46.7%
Solvency35.0%within the sector's middle half-26.8%below the sector's middle half▼ 8.3pp45.8%within the sector's middle half▲ 19.0pp39.1%within the sector's middle half▼ 6.6pp
Current ratio1.16below the sector's middle half-1.14below the sector's middle half▼ 0.011.27below the sector's middle half▲ 0.131.16below the sector's middle half▼ 0.11
Return on assets (ROA)34.2%above the sector's middle half-9.6%within the sector's middle half▼ 24.5pp21.1%within the sector's middle half▲ 11.5pp-18.0%below the sector's middle half▼ 39.1pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 €6,017 after €13,641 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34,869
Fixed assets
€10,206 ▼ 24.2%
Current assets
€24,663 ▼ 18.0%
Equity and liabilities €34,869
Equity
€13,650 ▼ 31.5%
Debt
€21,220 ▼ 10.1%
Debt's share of the balance-sheet total rises from 54.2% to 60.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€2,763▼
2024 · €15,220
Cash flow
-€3,019▼
2024 · €10,778
Debt to equity
1.55▲
2024 · 1.19
ROE
-46.0%▼
2024 · 46.2%
Interest coverage
-32.81▼
2024 · 71.91
Debt ≤ 1 year
€21,220▼
2024 · €23,616
Income taxes
€172▼
2024 · €4,286
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,225 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 88% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
3.3%
went bankrupt
8.7%
stopped otherwise
88%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,225 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,431 | €2,364 | €1,580 | €3,254 | ▲ 106% |
| Other operating charges640/8 | €27 | - | - | - | - |
| Gross operating margin9900 | €13,694 | €9,103 | €15,220 | -€2,763 | ▼ 118% |
| Operating profit (loss)9901 | €12,236 | €6,739 | €13,641 | -€6,017 | ▼ 144% |
| Financial income75/76B | €1 | €1 | €55 | - | - |
| Recurring financial income75 | €1 | €1 | €55 | - | - |
| Financial charges65/66B | €447 | €397 | €212 | €84 | ▼ 60.2% |
| Recurring financial charges65 | €447 | €397 | €212 | €84 | ▼ 60.2% |
| Profit (loss) for the period before taxes9903 | €11,789 | €6,343 | €13,484 | -€6,101 | ▼ 145% |
| Income taxes67/77 | €3,783 | €2,192 | €4,286 | €172 | ▼ 96.0% |
| Profit (loss) for the period9904 | €8,006 | €4,151 | €9,198 | -€6,273 | ▼ 168% |
| Profit (loss) for the period to be appropriated9905 | €8,006 | €4,151 | €9,198 | -€6,273 | ▼ 168% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €23,437 | €43,188 | €43,538 | €34,869 | ▼ 19.9% |
| Fixed assets21/28 | €9,734 | €7,970 | €13,460 | €10,206 | ▼ 24.2% |
| Tangible fixed assets22/27 | €9,734 | €7,970 | €13,460 | €10,206 | ▼ 24.2% |
| Furniture and vehicles24 | €9,734 | €7,970 | €13,460 | €10,206 | ▼ 24.2% |
| Current assets29/58 | €13,703 | €35,218 | €30,078 | €24,663 | ▼ 18.0% |
| Amounts receivable within one year40/41 | €7,554 | €33,968 | €18,689 | €17,782 | ▼ 4.9% |
| Trade receivables40 | €5,845 | €31,143 | €15,620 | €13,782 | ▼ 11.8% |
| Other amounts receivable41 | €1,709 | €2,825 | €3,069 | €4,000 | ▲ 30.3% |
| Cash at bank and in hand54/58 | €6,149 | €1,170 | €11,181 | €6,754 | ▼ 39.6% |
| Deferred charges and accrued income490/1 | - | €80 | €208 | €127 | ▼ 38.9% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €23,437 | €43,188 | €43,538 | €34,869 | ▼ 19.9% |
| Equity10/15 | €8,206 | €11,557 | €19,923 | €13,650 | ▼ 31.5% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €6,000 | €9,000 | €17,000 | €17,000 | = |
| Distributable reserves133 | €6,000 | €9,000 | €17,000 | €17,000 | = |
| Profit (loss) carried forward14 | €1,206 | €1,557 | €1,923 | -€4,350 | ▼ 326% |
| Amounts payable17/49 | €15,231 | €31,631 | €23,616 | €21,220 | ▼ 10.1% |
| Amounts payable after more than one year17 | €3,409 | €867 | - | - | - |
| Financial debts170/4 | €3,409 | €867 | - | - | - |
| Amounts payable within one year42/48 | €11,822 | €30,763 | €23,616 | €21,220 | ▼ 10.1% |
| Current portion of amounts payable after more than one year42 | €2,453 | €2,542 | - | - | - |
| Trade debts44 | €2,655 | €13,095 | €3,308 | €3,111 | ▼ 6.0% |
| Suppliers440/4 | €2,655 | €13,095 | €3,308 | €3,111 | ▼ 6.0% |
| Taxes, remuneration and social security45 | €1,305 | €1,818 | €1,776 | €2,915 | ▲ 64.2% |
| Taxes450/3 | €1,305 | €1,818 | €1,776 | €2,915 | ▲ 64.2% |
| Other amounts payable47/48 | €5,409 | €13,309 | €18,532 | €15,193 | ▼ 18.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,006 | €4,151 | €9,198 | -€6,273 | ▼ 168% |
| + Depreciation and write-downs630 | €1,431 | €2,364 | €1,580 | €3,254 | ▲ 106% |
| Operating cash flow (approximation) | €9,437 | €6,515 | €10,778 | -€3,019 | ▼ 128% |
| Investment in fixed assets (approximation) | - | -€599 | -€7,071 | €0 | ▲ 100% |
| Change in cash | - | -€4,978 | €10,011 | -€4,427 | ▼ 144% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
14-08
State Gazette act
Resignation: Julie DELFOSSE (director)Registered-office move · Director discharge4 facts ▸
State Gazette act
Resignation: Julie DELFOSSE (director)
Registered-office move · Director discharge4 facts ▸
- General meeting, 10-06-2026
- Registered-office move, 7322 Ville-Pommeroeul, rue d'En Bas 12A
- Director resignation, Julie DELFOSSE (director)
- Director discharge, Julie DELFOSSE (director)
2025
31-12
Financial
Weakest financial yearnet -€6,273
Net result drops to -€6,273, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2022net €9,198 ▲122%
Operating result €13,641, net result €9,198, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Bernissart · 1 establishment unit since 2022
Ground area
7,978 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
M-ICT
since 20222.329.624.155
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53073B0623/00P000 | Wallonia | 6,696 m² | - | - |
| 51522A0483/00E000 | Wallonia | 1,282 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2025, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Delfosse Julie |
|
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Of 30,008 companies in sector 62200 we hold annual accounts for 18,398. 11,207 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0779708764
Registered
24-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.