MB CONSULTING
ActiveMB CONSULTING has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €471k and a net result of €72k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 65% of 2831 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability80▼-5
Solvency83=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.39 in 2023; short-term debt: 32.5% and cash: 7% of total assets), and 42.4% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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
not confirmed
2024
71 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
84 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€471k▲ 6.7%
2023 · €441k
2018: €313k
2019: €357k
2020: €400k
2021: €456k
2022: €385k
2023: €441k
2018 → 2024
Total assets
€818k▲ 7.3%
2023 · €763k
2018: €423k
2019: €459k
2020: €807k
2021: €789k
2022: €818k
2023: €763k
2018 → 2024
Net result
€72k▼ 29.3%
2023 · €102k
2018: €42k
2019: €44k
2020: €97k
2021: €115k
2022: €128k
2023: €102k
2018 → 2024
Working capital
€67k▼ 4.8%
2023 · €70k
2018: €243k
2019: €228k
2020: €198k
2021: €196k
2022: €37k
2023: €70k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€400k-€456k▲ 14.1%€385k▼ 15.6%€441k▲ 14.5%€471k▲ 6.7%
Operating result€139k-€149k▲ 7.2%€191k▲ 27.7%€159k▼ 16.4%€108k▼ 32.4%
Net result€97k-€115k▲ 18.8%€128k▲ 11.6%€102k▼ 20.6%€72k▼ 29.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 32% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €818k
Fixed assets
€485k▼ 5.3%
Current assets
€333k▲ 33.1%
Equity and liabilities €818k
Equity
€471k▲ 6.7%
Debt
€347k▲ 8.0%
The debt ratio rises from 42.1% to 42.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€145k▼
2023 · €197k
Cash flow
€110k▼
2023 · €139k
Solvency
57.6%▼
2023 · 57.9%
Current ratio
1.25▼
2023 · 1.39
Quick ratio
0.80▲
2023 · 0.67
Debt / equity
0.74▲
2023 · 0.73
ROE
15.3%▼
2023 · 23.1%
ROA
8.8%▼
2023 · 13.4%
Interest coverage
20.10▲
2023 · 19.80
Debt
€347k▲
2023 · €321k
Debt ≤ 1 year
€266k▲
2023 · €180k
Debt > 1 year
€79k▼
2023 · €139k
Income taxes
€29k▼
2023 · €49k
Staff costs
€25k▼
2023 · €28k
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€763k€818k▲
Fixed assets21/28€513k€485k▼
Tangible fixed assets22/27€178k€150k▼
Land and buildings22€20k€9k▼
Plant, machinery and equipment23€2k€0▼
Furniture and vehicles24€40k€40k▼
Other tangible fixed assets26€116k€101k▼
Financial fixed assets28€335k€335k=
Current assets29/58€250k€333k▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Stocks and contracts in progress3€129k€119k▼
Stocks30/36€129k€119k▼
Amounts receivable within one year40/41€55k€153k▲
Trade receivables40€55k€151k▲
Other amounts receivable41€305€1k▲
Cash at bank and in hand54/58€64k€57k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€763k€818k▲
Equity10/15€441k€471k▲
Contributions10/11€20k€20k=
Reserves13€421k€451k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€421k€451k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€321k€347k▲
Amounts payable after more than one year17€139k€79k▼
Financial debts170/4€139k€79k▼
Amounts payable within one year42/48€180k€266k▲
Current portion of amounts payable after more than one year42€60k€60k▲
Trade debts44€25k€58k▲
Suppliers440/4€25k€58k▲
Taxes, remuneration and social security45€25k€40k▲
Taxes450/3€19k€34k▲
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€70k€108k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20232024
Remuneration, social security and pensions62€28k€25k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€38k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€226k€172k▼
Operating profit (loss)9901€159k€108k▼
Financial income75/76B€2k€591▼
Recurring financial income75€2k€591▼
Financial charges65/66B€10k€7k▼
Recurring financial charges65€10k€7k▼
Profit (loss) for the period before taxes9903€151k€101k▼
Income taxes67/77€49k€29k▼
Profit (loss) for the period9904€102k€72k▼
Profit (loss) for the period to be appropriated9905€102k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€107k€72k▼
Profit (loss) brought forward from the previous period14P€5k€0▼
Transfer from equity791/2€46k€42k▼
Transfer to equity691/2€107k€72k▼
To other reserves6921€107k€72k▼
Profit to be distributed694/7€46k€42k▼
Return on contributions (dividend)694€46k€42k▼
Social balance
Average headcount (FTE)90870.70.7=
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 71 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €128k ▲11.6%
Operating result €191k, net result €128k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 49 days late
2016
12-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zwalm · 2 establishment units since 2003
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.
S.V.D. Veldestraat(SML) 79630 ZwalmGround area
3,445 m²
Building footprint
389 m²
Volume, LiDAR
2,384 m³
2 parcels, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Zonnehoed
since 20032.132.376.833
Zonnehoed
since 20222.336.328.439
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45030A0172/00L000 | Flanders | 2,031 m² | 1 · 234 m² | 8.0 m · 2 fl. |
| 45049B0034/00S000 | Flanders | 1,414 m² | 1 · 156 m² | 11.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZwalm2.336.328.439
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 12,208 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-2003
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
46150Agents in the wholesale of furniture, household goods and hardware
46450Wholesale of perfume and cosmetics
47279Other retail sale of food
47299Retail trade
47750Retail sale of cosmetics and toilet articles
51150
52272
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.