M3BI CONSULTING
ActiveM3BI CONSULTING has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €195k and a net result of €20k. Its solvency ranks better than 25% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-27
Solvency59▼-1
Growth52
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.48 against 1.21 in 2023; short-term debt: 66.3% and cash: 0.4% of total assets), and 66.3% 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+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
Sector 62
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-10-2025, 74 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
74 d late
2023
68 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€195k▲ 11.7%
2023 · €175k
2023: €175k
2023 → 2024
Total assets
€580k▲ 15.5%
2023 · €502k
2023: €502k
2023 → 2024
Net result
€20k▼ 91.1%
2023 · €230k
2023: €230k
2023 → 2024
Working capital
€-199k
2023 · €67k
2023: €67k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€175k-€195k▲ 11.7%
Operating result€283k-€30k▼ 89.3%
Net result€230k-€20k▼ 91.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 89% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €580k
Fixed assets
€395k▲ 267%
Current assets
€185k▼ 53.1%
Equity and liabilities €580k
Equity
€195k▲ 11.7%
Debt
€385k▲ 17.5%
The debt ratio rises from 65.2% to 66.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▼
2023 · €297k
Cash flow
€49k▼
2023 · €243k
Solvency
33.7%▼
2023 · 34.8%
Current ratio
0.48▼
2023 · 1.21
Quick ratio
0.48▼
2023 · 1.21
Debt / equity
1.97▲
2023 · 1.87
ROE
10.5%▼
2023 · 131.3%
ROA
3.5%▼
2023 · 45.7%
Interest coverage
19.04▼
2023 · 2168.29
Debt
€385k▲
2023 · €327k
Debt ≤ 1 year
€385k▲
2023 · €327k
Income taxes
€8k▼
2023 · €54k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€502k€580k▲
Fixed assets21/28€108k€395k▲
Tangible fixed assets22/27€108k€395k▲
Land and buildings22-€252k
Furniture and vehicles24€39k€35k▼
Other tangible fixed assets26€68k€108k▲
Current assets29/58€395k€185k▼
Amounts receivable within one year40/41€243k€182k▼
Trade receivables40€221k€182k▼
Other amounts receivable41€22k€0▼
Cash at bank and in hand54/58€152k€2k▼
Deferred charges and accrued income490/1€106€907▲
Equity and liabilities
Total equity and liabilities10/49€502k€580k▲
Equity10/15€175k€195k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€172k€192k▲
Amounts payable17/49€327k€385k▲
Amounts payable within one year42/48€327k€385k▲
Trade debts44€150k€136k▼
Suppliers440/4€150k€136k▼
Taxes, remuneration and social security45€54k€44k▼
Taxes450/3€54k€26k▼
Remuneration and social security454/9-€18k
Other amounts payable47/48€124k€204k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€29k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€298k€62k▼
Operating profit (loss)9901€283k€30k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€137€3k▲
Recurring financial charges65€137€3k▲
Profit (loss) for the period before taxes9903€283k€28k▼
Income taxes67/77€54k€8k▼
Profit (loss) for the period9904€230k€20k▼
Profit (loss) for the period to be appropriated9905€230k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€230k€192k▼
Profit (loss) brought forward from the previous period14P-€172k
Profit to be distributed694/7€58k€0▼
Return on contributions (dividend)694€833€0▼
Directors or managers695€57k€0▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Wemmel · 1 establishment unit since 2022
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.
Bosch 51780 WemmelGround area
453 m²
Building footprint
140 m²
Parcel 22005A0059/00H000, Flanders. Linked by address, not a title deed.
1 establishment unit
M3BI CONSULTING
since 20222.337.847.478
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0059/00H000 | Flanders | 453 m² | 1 · 140 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
9845004F119CDF8C6C42
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M & R
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2022
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
70200Business and other management consultancy
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0499878717