NM-Tech
ActiveThe computed 12-month bankruptcy probability of NM-Tech is 2.4% (moderate). The 2026 annual accounts show equity of €10k and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability19▼-45
Solvency48=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.21 against 1.26 in 2025; short-term debt: 50.3% and cash: 9.5% of total assets), and 76.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
23.3%
Return on assets
-11.9%
Age of the figures
6 mo
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
212223242526
2021 to 2026 · latest year €-5k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 09-06-2026, 144 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2026
144 d early
2025
136 d early
2024
111 d early
2023
139 d early
2022
125 d early
2021
69 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€10k▼ 33.8%
2025 · €15k
2021: €4k
2022: €1k
2023: €6k
2024: €18k
2025: €15k
2021 → 2026
Total assets
€44k▼ 35.7%
2025 · €68k
2021: €9k
2022: €11k
2023: €23k
2024: €45k
2025: €68k
2021 → 2026
Net result
€-5k▼ 94.5%
2025 · €-3k
2021: €-6k
2022: €-3k
2023: €5k
2024: €12k
2025: €-3k
2021 → 2026
Working capital
€5k▼ 48.2%
2025 · €9k
2021: €79
2022: €-4k
2023: €74
2024: €8k
2025: €9k
2021 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€1k-€6k▲ 433%€18k▲ 181%€15k▼ 14.8%€10k▼ 33.8%
Operating result€-3k-€7k€17k▲ 159%€2k▼ 87.0%€-968
Net result€-3k-€5k€12k▲ 123%€-3k€-5k▼ 94.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2026: a loss of €968 after €2k in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €44k
Fixed assets
€17k▼ 33.2%
Current assets
€27k▼ 37.3%
Equity and liabilities €44k
Equity
€10k▼ 33.8%
Debt
€34k▼ 36.3%
The debt ratio falls from 77.4% to 76.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2025 · €11k
Cash flow
€3k▼
2025 · €6k
Solvency
23.3%▲
2025 · 22.6%
Current ratio
1.21▼
2025 · 1.26
Quick ratio
0.27▼
2025 · 0.64
Debt / equity
3.29▼
2025 · 3.42
ROE
-51.1%▼
2025 · -17.4%
ROA
-11.9%▼
2025 · -3.9%
Interest coverage
1.79▼
2025 · 6.40
Debt
€34k▼
2025 · €53k
Debt ≤ 1 year
€22k▼
2025 · €34k
Debt > 1 year
€12k▼
2025 · €18k
Income taxes
€142▲
2025 · €141
Staff costs
€31k▼
2025 · €43k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€68k€44k▼
Fixed assets21/28€26k€17k▼
Tangible fixed assets22/27€26k€17k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€21k€14k▼
Other tangible fixed assets26€1k€1k▼
Financial fixed assets28€205€205=
Current assets29/58€42k€27k▼
Stocks and contracts in progress3€21k€21k▼
Stocks30/36€21k€21k▼
Amounts receivable within one year40/41€8k€2k▼
Trade receivables40€6k€2k▼
Other amounts receivable41€2k-
Cash at bank and in hand54/58€787€4k▲
Deferred charges and accrued income490/1€12k-
Equity and liabilities
Total equity and liabilities10/49€68k€44k▼
Equity10/15€15k€10k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€5k€227▼
Amounts payable17/49€53k€34k▼
Amounts payable after more than one year17€18k€12k▼
Financial debts170/4€18k€12k▼
Amounts payable within one year42/48€34k€22k▼
Current portion of amounts payable after more than one year42€8k€7k▼
Trade debts44€23k€13k▼
Suppliers440/4€23k€13k▼
Taxes, remuneration and social security45€3k€219▼
Taxes450/3€239€219▼
Remuneration and social security454/9€2k-
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€900-
Income statement
Code20252026
Remuneration, social security and pensions62€43k€31k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€1k€953▼
Gross operating margin9900€55k€39k▼
Operating profit (loss)9901€2k€-968▼
Financial income75/76B€326€112▼
Recurring financial income75€326€112▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€2k€4k▲
Non-recurring financial charges66B€3k-
Profit (loss) for the period before taxes9903€-3k€-5k▼
Income taxes67/77€141€142▲
Profit (loss) for the period9904€-3k€-5k▼
Profit (loss) for the period to be appropriated9905€-3k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€227▼
Profit (loss) brought forward from the previous period14P€8k€5k▼
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 2027, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2021net €12k ▲123%
Operating result €17k, net result €12k, both a record.
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Court-Saint-Etienne · 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.
Avenue des Combattants 381490 Court-Saint-EtienneGround area
361 m²
Building footprint
125 m²
Volume, LiDAR
837 m³
2 parcels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NM-Tech
since 20192.296.910.708
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023H0013/00G003 | Wallonia | 299 m² | 1 · 52 m² | 10.4 m · 3 fl. |
| 25023H0300/00B007 | Wallonia | 62 m² | 1 · 73 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 117 companies in sector 33160 we hold annual accounts for 55. 24 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2019
Fiscal year end31-03
Activities, NACEBEL
33160Repair, maintenance and installation of machinery and equipment
95290Repair and maintenance of other personal and household goods
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
2 entriesE-mail:info@nmtech.be
Phone:+32475233169