Mi4U Consulting

Active

Private limited companyfounded 20206 yrs activeVrijheersstraat 14, 3891 Gingelom, BelgiumKBO/BCE: BE 0744.631.980

Mi4U Consulting has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €64k and a net result of €61k. Equity is growing by ~24.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 998 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2024

84 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+18

Solvency91▼-9

Growth78▲+26

Track record100

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 2.87 against 14.75 in 2023; short-term debt: 34.1% and cash: 43.7% of total assets), and 34.1% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 78

Relative position

BE, all sectors

reference

Sector 78

lower

← fewer bankruptcies more bankruptcies →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

38 d early

2023

35 d early

2022

13 d early

2021

16 d early

2020

24 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€64k▼ 66.3%

2023 · €190k

2020: €60k 2021: €116k 2022: €169k 2023: €190k

2020 → 2024

Total assets

€97k▼ 52.3%

2023 · €203k

2020: €86k 2021: €161k 2022: €215k 2023: €203k

2020 → 2024

Net result

€61k▲ 187%

2023 · €21k

2020: €57k 2021: €56k 2022: €52k 2023: €21k

2020 → 2024

Working capital

€62k▼ 66.6%

2023 · €185k

2020: €53k 2021: €105k 2022: €161k 2023: €185k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€60k-€116k▲ 93.8%€169k▲ 45.0%€190k▲ 12.6%€64k▼ 66.3%

Operating result€73k-€73k▲ 0.2%€69k▼ 5.6%€29k▼ 57.6%€78k▲ 168%

Net result€57k-€56k▼ 1.3%€52k▼ 7.1%€21k▼ 59.4%€61k▲ 187%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 168% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €97k

97.9%

Fixed assets €2k▼ 55.5%

Current assets €95k▼ 52.2%

Equity and liabilities €97k

65.9%

34.1%

Equity €64k▼ 66.3%

Debt €33k▲ 145%

The debt ratio rises from 6.6% to 34.1%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€81k▲

2023 · €32k

Cash flow

€63k▲

2023 · €25k

Solvency

65.9%▼

2023 · 93.4%

Current ratio

2.87▼

2023 · 14.75

Quick ratio

2.87▼

2023 · 14.75

Debt / equity

0.52▲

2023 · 0.07

ROE

95.3%▲

2023 · 11.2%

ROA

62.8%▲

2023 · 10.4%

Interest coverage

318.07▲

2023 · 170.93

Debt

€33k▲

2023 · €13k

Debt ≤ 1 year

€33k▲

2023 · €13k

Income taxes

€17k▲

2023 · €8k

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€203k€97k▼

Fixed assets21/28€5k€2k▼

Tangible fixed assets22/27€5k€2k▼

Plant, machinery and equipment23€943€818▼

Furniture and vehicles24€4k€1k▼

Current assets29/58€199k€95k▼

Amounts receivable after more than one year29€124k€35k▼

Other amounts receivable291€124k€35k▼

Amounts receivable within one year40/41€41k€17k▼

Trade receivables40€14k€17k▲

Other amounts receivable41€27k€0▼

Cash at bank and in hand54/58€33k€42k▲

Deferred charges and accrued income490/1€1k€404▼

Equity and liabilities

Total equity and liabilities10/49€203k€97k▼

Equity10/15€190k€64k▼

Contributions10/11€3k€3k=

Reserves13€187k€61k▼

Distributable reserves133€187k€61k▼

Profit (loss) carried forward14-€0

Amounts payable17/49€13k€33k▲

Amounts payable within one year42/48€13k€33k▲

Trade debts44€3k€1k▼

Suppliers440/4€3k€1k▼

Taxes, remuneration and social security45€11k€32k▲

Taxes450/3€11k€32k▲

Other amounts payable47/48€0-

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼

Other operating charges640/8€1k€954▼

Non-recurring operating charges66A€84€248▲

Gross operating margin9900€34k€82k▲

Operating profit (loss)9901€29k€78k▲

Financial income75/76B€0€0▼

Recurring financial income75€0€0▼

Financial charges65/66B€190€254▲

Recurring financial charges65€190€254▲

Profit (loss) for the period before taxes9903€29k€78k▲

Income taxes67/77€8k€17k▲

Profit (loss) for the period9904€21k€61k▲

Profit (loss) for the period to be appropriated9905€21k€61k▲

Appropriation of the result

Profit (loss) to be appropriated9906€21k€61k▲

Transfer from equity791/2-€187k

Transfer to equity691/2€21k€61k▲

To contributions691€0-

To other reserves6921€21k€61k▲

Profit to be distributed694/7-€187k

Return on contributions (dividend)694-€187k

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 5Filings 5

2025

23-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2020net €61k ▲187%

Operating result €78k, net result €61k, both a record.

26-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €21k ▼59.4%

Net result drops to €21k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity triplescurrent ratio 14.75

Current ratio from 4.45 to 14.75; short-term debt falls from €47k to €13k.

18-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Equity above €150kEq €169k ▲45%

3 profitable years in a row build equity to €169k.

15-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Equity above €100kEq €116k ▲93.8%

2 profitable years in a row build equity to €116k.

24-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 24 days late

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, Gingelom · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Vrijheersstraat 143891 Gingelom

Ground area

1,160 m²

Building footprint

234 m²

Parcel 71039A0795/00K000, Flanders. Linked by address, not a title deed.

1 establishment unit

Mi4U CONSULTING

Vrijheersstraat 14, 3891 GingelomComputing infrastructure, data processing, hosting and other information service activities

since 20202.300.282.546

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71039A0795/00K000	Flanders	1,160 m²	1 · 234 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.

Public money · subsidies and aid

Flemish government

2022 to 2023 · 2 entries · 534 EUR awarded · 514 EUR paid

Year	Entries	awarded	paid
2023	1	268 EUR	248 EUR
2022	1	266 EUR	266 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 534 EUR · 514 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

CHARLEO CONSULTING

BE 0800.705.207

Roeselare · Eq €64k

CRESCENDO COACHING & CONSULTING

TORMANS MANAGEMENT ENGINEERS

Dendermonde · Eq €64k

Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,080 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-03-2020

Fiscal year end31-12

Activities, NACEBEL

78100Employment placement agencies

78200Temporary employment agencies and other provision of personnel

78300Employment activities

85592Vocational training

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.