NM BI SERVICES
ActiveSummary
NM BI SERVICES has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €205,138 and a net result of €15,261. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 29% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability49▼-44
Solvency58▼-21
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
Liquidity tight (current ratio 1.35 against 2.95 in 2024; short-term debt: 12.2% and cash: 2.2% of total assets), and 67.4% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
32.6%
Return on assets
2.4%
Age of the figures
9 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 28-06-2026, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
34 d early
2023
33 d early
2022
38 d early
2021
37 d early
2020
106 d early
2019
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#10 company by total assets in Meise, Telecoms and IT sector
Equity
€205,138▲ 2.0%
2024 · €201,151
Total assets
€628,926▲ 70.3%
2024 · €369,209
Net result
€15,261▼ 78.5%
2024 · €71,029
Working capital
€26,896▼ 75.4%
2024 · €109,484
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€21,902▼ 67.0%€23,607▲ 7.8%€66,353▲ 181%€96,369▲ 45.2%€36,401▼ 62.2%
Net result€12,699within the sector's middle half▼ 66.4%€13,039within the sector's middle half▲ 2.7%€43,469within the sector's middle half▲ 233%€71,029above the sector's middle half▲ 63.4%€15,261within the sector's middle half▼ 78.5%
Equity€93,258within the sector's middle half▼ 17.9%€96,135within the sector's middle half▲ 3.1%€130,955within the sector's middle half▲ 36.2%€201,151above the sector's middle half▲ 53.6%€205,138above the sector's middle half▲ 2.0%
Total assets€304,766above the sector's middle half▼ 15.7%€297,976above the sector's middle half▼ 2.2%€308,034above the sector's middle half▲ 3.4%€369,209above the sector's middle half▲ 19.9%€628,926above the sector's middle half▲ 70.3%
Debt€211,508▼ 14.6%€201,842▼ 4.6%€177,079▼ 12.3%€168,059▼ 5.1%€423,788▲ 152%
Working capital€9,083▼ 80.2%€8,149▼ 10.3%€43,316▲ 432%€109,484▲ 153%€26,896▼ 75.4%
Solvency30.6%below the sector's middle half▼ 0.8pp32.3%below the sector's middle half▲ 1.7pp42.5%within the sector's middle half▲ 10.3pp54.5%within the sector's middle half▲ 12.0pp32.6%within the sector's middle half▼ 21.9pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €628,926
Fixed assets
€524,996 ▲ 158%
Current assets
€103,930 ▼ 37.2%
Equity and liabilities €628,926
Equity
€205,138 ▲ 2.0%
Debt
€423,788 ▲ 152%
Debt's share of the balance-sheet total rises from 45.5% to 67.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€51,334▼
2024 · €112,615
Cash flow
€30,194▼
2024 · €87,275
Current ratio
1.35▼
2024 · 2.95
Debt to equity
2.07▲
2024 · 0.84
ROE
7.4%▼
2024 · 35.3%
ROA
2.4%▼
2024 · 19.2%
Interest coverage
3.29▼
2024 · 22.99
Debt ≤ 1 year
€77,034▲
2024 · €56,037
Debt > 1 year
€346,754▲
2024 · €111,899
Income taxes
€7,656▼
2024 · €20,718
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,040 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.3%
went bankrupt
3.6%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,040 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €803 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,051 | €15,970 | €16,060 | €16,246 | €14,933 | ▼ 8.1% |
| Other operating charges640/8 | €1,952 | €2,388 | €2,068 | €2,882 | €1,893 | ▼ 34.3% |
| Gross operating margin9900 | €38,905 | €41,966 | €85,284 | €115,497 | €53,226 | ▼ 53.9% |
| Operating profit (loss)9901 | €21,902 | €23,607 | €66,353 | €96,369 | €36,401 | ▼ 62.2% |
| Financial income75/76B | €5 | - | - | €277 | €2,138 | ▲ 673% |
| Recurring financial income75 | €5 | - | - | €277 | €2,138 | ▲ 673% |
| Financial charges65/66B | €3,385 | €3,321 | €3,822 | €4,899 | €15,621 | ▲ 219% |
| Recurring financial charges65 | €3,385 | €3,321 | €3,822 | €4,899 | €15,621 | ▲ 219% |
| Profit (loss) for the period before taxes9903 | €18,523 | €20,286 | €62,530 | €91,747 | €22,917 | ▼ 75.0% |
| Income taxes67/77 | €5,824 | €7,247 | €19,061 | €20,718 | €7,656 | ▼ 63.0% |
| Profit (loss) for the period9904 | €12,699 | €13,039 | €43,469 | €71,029 | €15,261 | ▼ 78.5% |
| Profit (loss) for the period to be appropriated9905 | €12,699 | €13,039 | €43,469 | €71,029 | €15,261 | ▼ 78.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €304,766 | €297,976 | €308,034 | €369,209 | €628,926 | ▲ 70.3% |
| Formation expenses20 | - | - | €0 | €0 | - | - |
| Fixed assets21/28 | €243,514 | €231,848 | €215,788 | €203,689 | €524,996 | ▲ 158% |
| Tangible fixed assets22/27 | €243,514 | €231,848 | €215,788 | €203,689 | €524,996 | ▲ 158% |
| Land and buildings22 | €217,949 | €211,143 | €199,831 | €188,519 | €480,009 | ▲ 155% |
| Plant, machinery and equipment23 | €5,713 | €4,641 | €3,569 | €2,608 | €2,086 | ▼ 20.0% |
| Furniture and vehicles24 | €19,852 | €16,063 | €12,387 | €12,561 | €10,273 | ▼ 18.2% |
| Assets under construction and advance payments27 | - | - | - | - | €32,628 | - |
| Current assets29/58 | €61,252 | €66,129 | €92,246 | €165,521 | €103,930 | ▼ 37.2% |
| Amounts receivable within one year40/41 | €24,790 | €17,967 | €16,622 | €38,472 | €52,354 | ▲ 36.1% |
| Trade receivables40 | €16,213 | €2,638 | €15,683 | €37,533 | €37,325 | ▼ 0.6% |
| Other amounts receivable41 | €8,576 | €15,329 | €939 | €939 | €15,030 | ▲ 1,500% |
| Cash at bank and in hand54/58 | €15,135 | €31,329 | €56,765 | €109,552 | €13,606 | ▼ 87.6% |
| Deferred charges and accrued income490/1 | €21,328 | €16,832 | €18,859 | €17,496 | €37,970 | ▲ 117% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €304,766 | €297,976 | €308,034 | €369,209 | €628,926 | ▲ 70.3% |
| Equity10/15 | €93,258 | €96,135 | €130,955 | €201,151 | €205,138 | ▲ 2.0% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €80,858 | €83,735 | €118,555 | €188,751 | €192,738 | ▲ 2.1% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €78,998 | €81,875 | €118,555 | €188,751 | €192,738 | ▲ 2.1% |
| Profit (loss) carried forward14 | - | - | - | - | €0 | - |
| Amounts payable17/49 | €211,508 | €201,842 | €177,079 | €168,059 | €423,788 | ▲ 152% |
| Amounts payable after more than one year17 | €159,338 | €143,806 | €127,994 | €111,899 | €346,754 | ▲ 210% |
| Financial debts170/4 | €159,338 | €143,806 | €127,994 | €111,899 | €346,754 | ▲ 210% |
| Amounts payable within one year42/48 | €52,169 | €57,980 | €48,931 | €56,037 | €77,034 | ▲ 37.5% |
| Current portion of amounts payable after more than one year42 | €15,259 | €15,533 | €15,812 | €16,095 | €30,811 | ▲ 91.4% |
| Trade debts44 | €4,159 | €5,003 | €3,394 | €3,909 | €3,033 | ▼ 22.4% |
| Suppliers440/4 | €4,159 | €5,003 | €3,394 | €3,909 | €3,033 | ▼ 22.4% |
| Advances received on contracts in progress46 | - | €2,186 | €12,918 | - | €1,036 | - |
| Taxes, remuneration and social security45 | €32,751 | €28,845 | €15,470 | €27,293 | €25,381 | ▼ 7.0% |
| Taxes450/3 | €32,751 | €28,845 | €15,470 | €27,293 | €25,381 | ▼ 7.0% |
| Other amounts payable47/48 | - | €6,414 | €1,337 | €8,739 | €16,774 | ▲ 91.9% |
| Accrued charges and deferred income492/3 | - | €56 | €154 | €123 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,699 | €13,039 | €43,469 | €71,029 | €15,261 | ▼ 78.5% |
| + Depreciation and write-downs630 | €15,051 | €15,970 | €16,060 | €16,246 | €14,933 | ▼ 8.1% |
| Operating cash flow (approximation) | €27,750 | €29,009 | €59,530 | €87,275 | €30,194 | ▼ 65.4% |
| Investment in fixed assets (approximation) | - | -€4,305 | €0 | -€4,147 | -€336,241 | ▼ 8,009% |
| Change in cash | - | €16,194 | €25,436 | €52,787 | -€95,946 | ▼ 282% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €71,029 ▲63.4%
Operating result €96,369, net result €71,029, both a record.
31-12
Financial
Equity above €200,000Eq €201,151 ▲53.6%
6 profitable years in a row build equity to €201,151.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €130,955 ▲36.2%
5 profitable years in a row build equity to €130,955.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €113,618 ▲49.9%
2 profitable years in a row build equity to €113,618.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €19,385
Net result €19,385 after one loss-making year.
Show earlier events
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Meise · 1 establishment unit since 2011
Ground area
634 m²
Building footprint
149 m²
Volume, LiDAR
406 m³
Parcel 23050F0481/00A000, Flanders · tallest building 14.4 m. Linked by address, not a title deed.
1 establishment unit
NM BI SERVICES
since 20112.204.006.680
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050F0481/00A000 | Flanders | 634 m² | 1 · 149 m² | 14.3 m |
Linked by address, not proof of ownership
Good to know
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
2024 · 1 entry · 644 EUR awarded · 644 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 644 EUR | 644 EUR |
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 14,619 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-10-2011
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Contact
E-mail
tom.naegels@gmail.comMeise
Phone
+32496753380Meise
E-invoicing
Reachable via Peppol
Peppol ID
0208:0840691971
Also
9925:BE0840691971
Registered
16-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.