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Generated 09-08-2026
Active BE 0835.691.028Private limited company

M.R. Consultancy

Mereldreef 2 ·3910 Pelt, Belgium· 15 yrs active
Sector: Computer programming & consultancy (62100)
Conclusion Checked

The computed 12-month bankruptcy probability of M.R. Consultancy is 0.4% (very low). The 2024 annual accounts show negative equity (€-7k) and a net result of €-2k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 561 sector peers (fiscal year 2024). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €-7k
Net result €-2k
Better than sector 13%
Active 15 yrs
Snowflake analysis 5 axes · computed by Checked
Health22Profitability100Solvency38Growth78Stability100
68 / 100

Strong profile, led by profitability.

Health 22
Profitability 100
Solvency 38
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Established
Founded in 2011, 15 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
22 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 26-05-2025 with the NBB · fiscal year 2024 · verkort
€-100k€-50k€0€50kOperating result 2020: €-21k€-21kNet result 2020: €-77k€-77kOperating result 2021: €33k€33kNet result 2021: €23k€23kOperating result 2022: €44k€44kNet result 2022: €32k€32kOperating result 2023: €21k€21kNet result 2023: €11k€11kOperating result 2024: €-571€-571Net result 2024: €-2k€-2k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~25.9%/year over 7 fiscal years, indicative, assuming unchanged policy.
€-100k€-50k€0€50k2025: €92 (€-16k - €16k)2026: €7k (€-18k - €32k)2027: €14k (€-21k - €48k)2018: €-26k2019: €-40k2020: €-70k2021: €-48k2022: €-16k2023: €-5k2024: €-7k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency -48.3% 34.8%
better than 13% of 561 sector peers
Net result €-2k €15k
better than 34% of 561 sector peers
Equity €-7k €79k
better than 20% of 561 sector peers
Gross operating margin €1k €81k
better than 19% of 560 sector peers
Total assets €14k €314k
better than 5% of 561 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€2k
-89.2% -94% vs sector
Net profit
€-2k
- far below sector median
Cash flow
€-55k
-122.0% far below sector median
Total assets
€14k
-34.3% -97% vs sector
Equity
€-7k
-44.4% far below sector median
Working capital
€-5k
-38.5% far below sector median
Income taxes
€973
-83.3% -93% vs sector
Debt
€20k
-20.1% -89% vs sector
Debt ≤ 1y
€19k
-23.2% -88% vs sector
Current ratio
0.73
-14.4% -55% vs sector
Quick ratio
0.73
-14.4% -53% vs sector
Solvency
-48.3%
-119.7% far below sector median
Debt / equity
-3.07
+44.7% far below sector median
ROE
30.8%
- +235% vs sector
ROA
-14.9%
- far below sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€-2k
Cash flow-
Staff costs-
Income taxes€973
Dividends-
Total assets€14k
Equity€-7k
Debt€20k
of which ≤ 1y€19k
of which > 1y-
Working capital€-5k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.73
Quick ratio0.73
Working capital ratio-37.7%
Solvency-48.3%
Debt / equity-3.07
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-14.9%
ROE30.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€14k
Current assets 29/58€14k
Amounts receivable within one year 40/41€4k
Cash & bank 54/58€7k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€14k
Equity 10/15€-7k
Contributions / capital 10/11€6k
Reserves 13€930
Accumulated profits (losses) 14€-14k
Amounts payable 17/49€20k
Amounts payable within one year 42/48€19k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€1k
Operating result 9901€-571
Financial income 75€242
Financial charges 65€733
Result before taxes 9903€-1k
Income taxes 67/77€973
Net result for the period 9904€-2k
Result to be appropriated 9905€-2k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Computer programming & consultancy(62100)
Legal form Private limited company(610)
Incorporation21-04-2011
StatusActive
Postal code3910
Establishment units 1 location
M.R. Consultancy BVBA
Mereldreef 2, 3910 PeltOntwerpen en programmeren van computerprogramma's
since 20112.199.076.904
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72025A0186/00D026 Flanders 2,247 m² 1 · 386 m² 11.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
26-05-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
22-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
14-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2022
16-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · verkort
21-04-2022
State Gazette act Director changes
2021
28-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2020
20-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2019
23-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2018
12-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
10-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
11-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 4 years ago
2022
21-04-2022 1 director appointed, 2 resigning Director changes
  • Rovers Martinus, Bestuurder
  • Rovers Glenn, Bestuurder
  • Rovers Kilian, Bestuurder
Technical details 
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    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Rovers Glenn",
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        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-01-01",
      "evidence_quote": "wordt met \u00E9\u00E9nparigheid van stemmen beslist ontslag als bestuurder te verlenen aan: * de heer Rovers Glenn vanaf 1 januari 2022",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
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        "name": "Rovers Kilian",
        "address": null,
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-01-01",
      "evidence_quote": "wordt met \u00E9\u00E9nparigheid van stemmen beslist ontslag als bestuurder te verlenen aan: * de heer Rovers Kilian vanaf 1 januari 2022",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Rovers Martinus",
        "address": "Mereldreef 2, 3910 Pelt",
        "birth_date": null,
        "profession": null,
        "birth_place": "Pelt, BE"
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-01-01",
      "evidence_quote": "Met \u00E9\u00E9nparigheid van stemmen wordt beslist de heer Rovers Martinus, wonende te 3910 Pelt, Mereldreef 2 te benoemen tot bestuurder en dit vanaf 1 januari 2022.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-04-21",
    "filing_date": "2022-04-12",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "bijzondere_algemene_vergadering",
      "date": "2022-01-01",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0835.691.028",
    "name_full": "M.R. Consultancy",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "de Boer Karin",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100
Primary activity highlighted.
Names & trade names
Legal nameNL M.R. Consultancy
Registered office
Mereldreef 2
3910 Pelt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative