M2Y Consulting
ActiveSummary
M2Y Consulting has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.89M and a net result of €1.70M. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+29
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity short (current ratio 0.54 against 1.39 in 2024; short-term debt: 21.9% and cash: 7.1% of total assets), and 21.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.1%
Return on assets
70.1%
Age of the figures
15 mo
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 19-12-2025, 43 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
43 d early
2024
87 d early
2023
163 d late
2022
on the day
2021
63 d early
2020
17 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.89M▲ 869%
2024 · €195k
2019: €146k
2020: €296k
2021: €297k
2022: €230k
2023: €207k
2024: €195k
2019 → 2025
Total assets
€2.42M▲ 473%
2024 · €423k
2019: €215k
2020: €351k
2021: €341k
2022: €565k
2023: €424k
2024: €423k
2019 → 2025
Net result
€1.70M▲ 880%
2024 · €173k
2019: €103k
2020: €151k
2021: €200k
2022: €183k
2023: €177k
2024: €173k
2019 → 2025
Working capital
€-244k
2024 · €89k
2019: €28k
2020: €187k
2021: €139k
2022: €100k
2023: €64k
2024: €89k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€297k-€230k▼ 22.5%€207k▼ 10.0%€195k▼ 5.6%€1.89M▲ 869%
Operating result€266k-€239k▼ 10.3%€236k▼ 1.1%€239k▲ 1.3%€273k▲ 14.2%
Net result€200k-€183k▼ 8.6%€177k▼ 3.3%€173k▼ 2.1%€1.70M▲ 880%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.42M
Fixed assets
€2.14M ▲ 1,906%
Current assets
€286k ▼ 9.7%
Equity and liabilities €2.42M
Equity
€1.89M ▲ 869%
Debt
€530k ▲ 133%
Debt's share of the balance-sheet total falls from 53.8% to 21.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€278k▲
2024 · €248k
Cash flow
€1.70M▲
2024 · €182k
Current ratio
0.54▼
2024 · 1.39
Debt to equity
0.28▼
2024 · 1.17
ROE
89.7%▲
2024 · 88.7%
ROA
70.1%▲
2024 · 40.9%
Interest coverage
1675.19▼
2024 · 1989.88
Debt ≤ 1 year
€530k▲
2024 · €228k
Income taxes
€71k▲
2024 · €67k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€423k€2.42M▲
Fixed assets21/28€107k€2.14M▲
Tangible fixed assets22/27€10k€77k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€10k€75k▲
Financial fixed assets28€97k€2.06M▲
Current assets29/58€317k€286k▼
Amounts receivable within one year40/41€83k€103k▲
Trade receivables40€31k€95k▲
Other amounts receivable41€52k€8k▼
Cash at bank and in hand54/58€231k€173k▼
Deferred charges and accrued income490/1€2k€10k▲
Equity and liabilities
Total equity and liabilities10/49€423k€2.42M▲
Equity10/15€195k€1.89M▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€175k€1.87M▲
Amounts payable17/49€228k€530k▲
Amounts payable within one year42/48€228k€530k▲
Trade debts44€1k€216▼
Suppliers440/4€1k€216▼
Taxes, remuneration and social security45€42k€48k▲
Taxes450/3€42k€48k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€185k€482k▲
Accrued charges and deferred income492/3€0€17▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€5k▼
Other operating charges640/8€15k€581▼
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€266k€279k▲
Operating profit (loss)9901€239k€273k▲
Financial income75/76B€715€1.50M▲
Recurring financial income75€715€7k▲
Non-recurring financial income76B-€1.49M
Financial charges65/66B€125€166▲
Recurring financial charges65€125€166▲
Profit (loss) for the period before taxes9903€240k€1.77M▲
Income taxes67/77€67k€71k▲
Profit (loss) for the period9904€173k€1.70M▲
Profit (loss) for the period to be appropriated9905€173k€1.70M▲
Appropriation of the result
Profit (loss) to be appropriated9906€360k€1.87M▲
Profit (loss) brought forward from the previous period14P€187k€175k▼
Profit to be distributed694/7€185k€0▼
Return on contributions (dividend)694€185k€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
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €1.70M ▲880%
Operating result €273k, net result €1.70M, both a record.
30-06
Financial
Equity above €1MEq €1.89M ▲869%
7 profitable years in a row build equity to €1.89M.
2024
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 163 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity triplescurrent ratio 4.46
Current ratio from 1.40 to 4.46; short-term debt falls from €70k to €54k.
30-06
Financial
Equity above €200kEq €296k ▲103%
2 profitable years in a row build equity to €296k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kontich · 1 establishment unit since 2014
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.
Keizershoek 3482550 KontichGround area
1,202 m²
Building footprint
148 m²
Volume, LiDAR
665 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
M2Y Consulting
since 20142.234.218.816
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024G0279/00F000 | Flanders | 977 m² | 1 · 76 m² | 1.4 m |
| 24051A0083/00T002 | Flanders | 225 m² | 1 · 72 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 20,815 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2014
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.