MI - CONSULTING
ActiveMI - CONSULTING has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.20M and a net result of €7k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▲+3
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 6.75 against 2.99 in 2024), and 10.3% 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 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
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
89.7%
Return on assets
0.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
29 d late
2023
7 d early
2022
31 d late
2021
31 d late
2020
31 d late
2019
94 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.20M▲ 0.6%
2024 · €1.19M
2018: €999k
2019: €1.04M
2020: €1.05M
2021: €1.02M
2022: €1.13M
2023: €1.23M
2024: €1.19M
2018 → 2025
Total assets
€1.33M▼ 4.7%
2024 · €1.40M
2018: €1.07M
2019: €1.35M
2020: €1.44M
2021: €1.48M
2022: €1.48M
2023: €1.55M
2024: €1.40M
2018 → 2025
Net result
€7k
2024 · €-42k
2018: €35k
2019: €41k
2020: €12k
2021: €64k
2022: €114k
2023: €97k
2024: €-42k
2018 → 2025
Working capital
€304k▲ 75.0%
2024 · €174k
2018: €177k
2019: €188k
2020: €125k
2021: €4k
2022: €146k
2023: €270k
2024: €174k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.02M-€1.13M▲ 11.2%€1.23M▲ 8.5%€1.19M▼ 3.4%€1.20M▲ 0.6%
Operating result€82k-€154k▲ 88.7%€151k▼ 2.3%€117k▼ 22.2%€17k▼ 85.3%
Net result€64k-€114k▲ 76.7%€97k▼ 15.0%€-42k€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 85% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.33M
Fixed assets
€975k▼ 14.3%
Current assets
€357k▲ 36.8%
Equity and liabilities €1.33M
Equity
€1.20M▲ 0.6%
Debt
€137k▼ 34.9%
The debt ratio falls from 15.0% to 10.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€105k▼
2024 · €187k
Cash flow
€94k▲
2024 · €28k
Solvency
89.7%▲
2024 · 85.0%
Current ratio
6.75▲
2024 · 2.99
Quick ratio
6.75▲
2024 · 2.99
Debt / equity
0.11▼
2024 · 0.18
ROE
0.6%▲
2024 · -3.5%
ROA
0.5%▲
2024 · -3.0%
Interest coverage
37.14▲
2024 · 28.96
Debt
€137k▼
2024 · €210k
Debt ≤ 1 year
€53k▼
2024 · €87k
Debt > 1 year
€84k▼
2024 · €122k
Income taxes
€8k▲
2024 · €652
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€1.40M€1.33M▼
Fixed assets21/28€1.14M€975k▼
Tangible fixed assets22/27€1.14M€949k▼
Land and buildings22€177k€155k▼
Plant, machinery and equipment23€41k€35k▼
Furniture and vehicles24€735k€583k▼
Assets under construction and advance payments27€183k€176k▼
Financial fixed assets28€800€26k▲
Current assets29/58€261k€357k▲
Amounts receivable within one year40/41€166k€84k▼
Trade receivables40€134k€31k▼
Other amounts receivable41€33k€53k▲
Current investments50/53€31k€56k▲
Cash at bank and in hand54/58€60k€213k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.40M€1.33M▼
Equity10/15€1.19M€1.20M▲
Contributions10/11€6k€6k=
Reserves13€1.18M€1.19M▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€220€220=
Distributable reserves133€1.18M€1.19M▲
Profit (loss) carried forward14-€1
Amounts payable17/49€210k€137k▼
Amounts payable after more than one year17€122k€84k▼
Financial debts170/4€122k€84k▼
Amounts payable within one year42/48€87k€53k▼
Current portion of amounts payable after more than one year42€39k€38k▼
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€35k€7k▼
Taxes450/3€35k€7k▼
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€87k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€193k€110k▼
Operating profit (loss)9901€117k€17k▼
Financial income75/76B€2k€635▼
Recurring financial income75€2k€635▼
Financial charges65/66B€160k€3k▼
Recurring financial charges65€6k€3k▼
Non-recurring financial charges66B€154k-
Profit (loss) for the period before taxes9903€-41k€15k▲
Income taxes67/77€652€8k▲
Profit (loss) for the period9904€-42k€7k▲
Profit (loss) for the period to be appropriated9905€-42k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€7k▲
Profit (loss) brought forward from the previous period14P€6-
Transfer from equity791/2€42k-
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (10 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 6.75
Current ratio from 2.99 to 6.75; short-term debt falls from €87k to €53k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-42k ▼143%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €114k ▲76.7%
Operating result €154k, net result €114k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
31-12
Financial
Equity above €1MEq €1.04M ▲4.1%
2 profitable years in a row build equity to €1.04M.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Westerlo · 1 establishment unit since 1999
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.
Zagerijstraat 442260 WesterloGround area
1,012 m²
Building footprint
162 m²
Volume, LiDAR
1,139 m³
Parcel 13049A0636/00M000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zagerijstraat 44, 2260 Westerlo
since 19992.091.371.666
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049A0636/00M000 | Flanders | 1,012 m² | 1 · 162 m² | 10.6 m · 2 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
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LEADLIFE TECHNOLOGIES
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Qargo Tech
BE 0772.640.434
Gent · Eq €1.19M
BIMSOFT
BE 0864.128.062
Kortrijk · Eq €1.20M
Inmanta
BE 0647.518.055
Leuven · Eq €1.20M
Of 16,811 companies in sector 62100 we hold annual accounts for 8,749. 3,688 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-1999
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45204
70200Business and other management consultancy
70220Business consulting
74142
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.MI-Consulting.be
E-mail:Info@MI-Consulting.be