MFM PSYMAE
ActiveMFM PSYMAE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €460k and a net result of €43k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
61
/ 100
Healthy▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-6
Solvency77▲+9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.55 in 2024), and 21.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
78.6%
Return on assets
7.3%
Age of the figures
8 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 31-12-2025 was due by 31-07-2026 and was filed on 06-06-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
75 d early
2023
73 d early
2022
69 d early
2021
65 d early
2020
70 d early
2019
76 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€460k▲ 10.2%
2024 · €417k
2018: €236k
2019: €263k
2020: €277k
2021: €302k
2022: €339k
2023: €374k
2024: €417k
2018 → 2025
Total assets
€585k▲ 4.0%
2024 · €562k
2018: €631k
2019: €648k
2020: €613k
2021: €622k
2022: €630k
2023: €538k
2024: €562k
2018 → 2025
Net result
€43k▼ 1.7%
2024 · €43k
2018: €36k
2019: €28k
2020: €14k
2021: €25k
2022: €37k
2023: €35k
2024: €43k
2018 → 2025
Working capital
€-3k▲ 94.9%
2024 · €-65k
2018: €-145k
2019: €-161k
2020: €-126k
2021: €-111k
2022: €-85k
2023: €-122k
2024: €-65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€302k-€339k▲ 12.2%€374k▲ 10.4%€417k▲ 11.6%€460k▲ 10.2%
Operating result€36k-€50k▲ 40.7%€50k▼ 0.1%€55k▲ 10.1%€54k▼ 2.8%
Net result€25k-€37k▲ 46.8%€35k▼ 4.9%€43k▲ 23.4%€43k▼ 1.7%
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 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €585k
Fixed assets
€463k▼ 4.0%
Current assets
€122k▲ 52.4%
Equity and liabilities €585k
Equity
€460k▲ 10.2%
Debt
€125k▼ 13.8%
The debt ratio falls from 25.8% to 21.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€90k▼
2024 · €97k
Cash flow
€79k▼
2024 · €85k
Solvency
78.6%▲
2024 · 74.2%
Current ratio
0.97▲
2024 · 0.55
Quick ratio
0.97▲
2024 · 0.55
Debt / equity
0.27▼
2024 · 0.35
ROE
9.3%▼
2024 · 10.4%
ROA
7.3%▼
2024 · 7.7%
Interest coverage
74.02▲
2024 · 71.16
Debt
€125k▼
2024 · €145k
Debt ≤ 1 year
€125k▼
2024 · €145k
Income taxes
€10k▼
2024 · €11k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€562k€585k▲
Fixed assets21/28€482k€463k▼
Tangible fixed assets22/27€482k€463k▼
Land and buildings22€464k€448k▼
Plant, machinery and equipment23€17k€14k▼
Furniture and vehicles24€931€1k▲
Current assets29/58€80k€122k▲
Amounts receivable within one year40/41€16k€13k▼
Trade receivables40€16k€13k▼
Other amounts receivable41€30€238▲
Cash at bank and in hand54/58€64k€109k▲
Equity and liabilities
Total equity and liabilities10/49€562k€585k▲
Equity10/15€417k€460k▲
Contributions10/11€6k€6k=
Reserves13€20k€20k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Tax-exempt reserves132€18k€18k=
Profit (loss) carried forward14€391k€434k▲
Amounts payable17/49€145k€125k▼
Amounts payable within one year42/48€145k€125k▼
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€296€170▼
Suppliers440/4€296€170▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€134k€119k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€37k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€99k€92k▼
Operating profit (loss)9901€55k€54k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€54k€53k▼
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€43k€43k▼
Profit (loss) for the period to be appropriated9905€43k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€391k€434k▲
Profit (loss) brought forward from the previous period14P€348k€391k▲
The notes to these accounts (8 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
2026
06-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €43k ▲23.4%
Operating result €55k, net result €43k, both a record.
19-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €14k ▼51.1%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
16-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Kapelle-op-den-Bos · 1 establishment unit since 2008
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.
Spenaardstraat 341880 Kapelle-op-den-BosGround area
3,632 m²
Building footprint
231 m²
Volume, LiDAR
903 m³
Parcel 23056B0086/00F000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MFM Consulting and Services
since 20082.170.605.820
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23056B0086/00F000 | Flanders | 3,632 m² | 1 · 231 m² | 6.6 m · 1 fl. |
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.
Similar companies · same sector, comparable size
DVdB Consulting
BE 0889.809.308
Horebeke · Eq €460k
Van Key Consulting
BE 0896.182.010
Merelbeke-Melle · Eq €460k
Parma
BE 0780.411.223
Sint-Gillis (bij-Brussel) · Eq €460k
TWEE-DE
BE 0450.083.958
Ternat · Eq €460k
SMET INVESTERINGSMAATSCHAPPIJ
BE 0897.695.408
Mol · Eq €460k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 35,212 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.