NM CONSULTANCY
ActiveNM CONSULTANCY has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €53k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 24% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent▲ +2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency60▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 2.44 in 2024), but 74.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
25.2%
Return on assets
20.1%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 16906 sector peers (2025).
NBB · sector comparisonPosition among 16906 sector peers
Solvency
better than 24%
← weakest
strongest →
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 28-05-2026, 64 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
64 d early
2024
36 d early
2023
37 d early
2022
32 d early
2021
32 d early
2020
16 d late
2019
30 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
€67k▲ 4.4%
2024 · €64k
2019: €34k
2020: €89k
2021: €126k
2022: €60k
2023: €19k
2024: €64k
2019 → 2025
Total assets
€266k▼ 1.5%
2024 · €270k
2019: €66k
2020: €112k
2021: €134k
2022: €180k
2023: €216k
2024: €270k
2019 → 2025
Net result
€53k▼ 4.9%
2024 · €56k
2019: €23k
2020: €55k
2021: €31k
2022: €41k
2023: €40k
2024: €56k
2019 → 2025
Working capital
€25k▼ 7.5%
2024 · €28k
2019: €24k
2020: €75k
2021: €113k
2022: €35k
2023: €-11k
2024: €28k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€126k-€60k▼ 52.5%€19k▼ 68.9%€64k▲ 245%€67k▲ 4.4%
Operating result€41k-€54k▲ 30.3%€54k▲ 1.3%€76k▲ 40.7%€74k▼ 3.8%
Net result€31k-€41k▲ 33.3%€40k▼ 3.3%€56k▲ 40.8%€53k▼ 4.9%
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €266k
Fixed assets
€215k▼ 3.7%
Current assets
€51k▲ 9.0%
Equity and liabilities €266k
Equity
€67k▲ 4.4%
Debt
€199k▼ 3.4%
The debt ratio falls from 76.3% to 74.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€85k▼
2024 · €86k
Cash flow
€65k▼
2024 · €66k
Solvency
25.2%▲
2024 · 23.7%
Current ratio
2.01▼
2024 · 2.44
Quick ratio
2.01▼
2024 · 2.44
Debt / equity
2.97▼
2024 · 3.21
ROE
79.7%▼
2024 · 87.5%
ROA
20.1%▼
2024 · 20.8%
Interest coverage
13.74▼
2024 · 16.71
Debt
€199k▼
2024 · €206k
Debt ≤ 1 year
€25k▲
2024 · €19k
Debt > 1 year
€174k▼
2024 · €187k
Income taxes
€14k▼
2024 · €15k
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€270k€266k▼
Fixed assets21/28€224k€215k▼
Tangible fixed assets22/27€224k€215k▼
Land and buildings22€198k€190k▼
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€20k€18k▼
Current assets29/58€47k€51k▲
Amounts receivable within one year40/41€14k€16k▲
Trade receivables40€10k€11k▲
Other amounts receivable41€4k€5k▲
Current investments50/53-€25k
Cash at bank and in hand54/58€30k€9k▼
Deferred charges and accrued income490/1€3k€8▼
Equity and liabilities
Total equity and liabilities10/49€270k€266k▼
Equity10/15€64k€67k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€46k€48k▲
Amounts payable17/49€206k€199k▼
Amounts payable after more than one year17€187k€174k▼
Financial debts170/4€187k€174k▼
Amounts payable within one year42/48€19k€25k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€2k€575▼
Suppliers440/4€2k€575▼
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Other amounts payable47/48€723€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€89k€87k▼
Operating profit (loss)9901€76k€74k▼
Financial income75/76B-€75
Recurring financial income75-€75
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€71k€67k▼
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€56k€53k▼
Profit (loss) for the period to be appropriated9905€56k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€99k▲
Profit (loss) brought forward from the previous period14P-€46k
Profit to be distributed694/7€11k€51k▲
Return on contributions (dividend)694€11k€51k▲
The notes to these accounts (6 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €56k ▲40.8%
Operating result €76k, net result €56k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.44
Current ratio from 0.81 to 2.44; short-term debt falls from €55k to €19k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 14.78
Current ratio from 5.69 to 14.78; short-term debt falls from €16k to €8k.
31-12
Financial
Equity above €100kEq €126k ▲41.8%
3 profitable years in a row build equity to €126k.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 5.69
Current ratio from 2.35 to 5.69; short-term debt falls from €18k to €16k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pelt · 1 establishment unit since 2019
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.
Turfstraat 93900 PeltGround area
1,368 m²
Building footprint
221 m²
Volume, LiDAR
1,031 m³
Parcel 72502E0616/00T018, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Turfstraat 9, 3900 Pelt
since 20192.283.864.307
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502E0616/00T018 | Flanders | 1,367 m² | 1 · 221 m² | 6.4 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.
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BHINEUBEL
BE 1002.504.502
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 15,486 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
73110Advertising agencies
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.