Financials
- Financial year
- 2025
- Total assets
- €23,485
- Loss
- -€3,103
- Solvency
- -57.1%
Total assets▼ 15.5%
Net result
20182025
T and M CONSULTANCY
ActiveSummary
T and M CONSULTANCY has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€13,403) and a net result of -€3,103. Equity is shrinking by about 47% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Activity
Activity not known1 site
Size
≈ €17,000turnover 2025, estimated
- Equity
- -€13,403
- Loss
- -€3,103
Turnover estimated from the gross margin
Structure
- Heijnen PeterDirector
- Heijnen ThomDirector
- Willemse PetronellaDirector
2025 accounts 32 days early1 of 4 deeds summarised
Why 53raises riskCapped at 59: negative equityLoss of €3,103, the second in a row (financial year 2025)Negative equity -€13,403lowers riskSize: total assets €23,485Founded in 1994Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 12% of its sector peers (no NACE code, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency
0=
equity -57.1% of total assets
Liquidity
6-4
short-term debt 157.1% · cash 4.5%
Profitability
32-28
return on assets -13.2%
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.7%
12-2024: 0.8%▲ +0.1 percentage points vs 11-2024
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.8%● unchanged vs 03-2025
05-2025: 0.9%▲ +0.1 percentage points vs 04-2025
06-2025: 1.1%▲ +0.2 percentage points vs 05-2025
07-2025: 1.3%▲ +0.2 percentage points vs 06-2025highest value
08-2025: 0.6%▼ -0.7 percentage points vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025lowest value
10-2025: 0.6%● unchanged vs 09-2025lowest value
11-2025: 0.6%● unchanged vs 10-2025lowest value
12-2025: 0.6%● unchanged vs 11-2025lowest value
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.7%▲ +0.1 percentage points vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 1.1%▲ +0.4 percentage points vs 07-2026
09-2026: 1.3%▲ +0.2 percentage points vs 08-2026
10-2026: 0.8%▼ -0.5 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.03, compared with 0.06 in 2024, below 1; short-term debt: 157.1% and cash: 4.5% of total assets), and equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 5% on solvency, 7% on liquidity, 22% on profitability and 14% on growth.
The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€13,403
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 days early
2024
28 days early
2023
30 days early
2022
1 day late
2021
6 days early
2020
29 days early
2019
6 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 17 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Key points
By topic
Board & ownership
- Board
- 3 members
- Heijnen PeterDirector
- Heijnen ThomDirector
- Willemse PetronellaDirector
Timeline
- Events
- 33
- Since
- 1996
- Next accounts
- by 31-07-2027
- 08-01-2024Reappointments: Willemse Petronella, Heijnen Peter and Heijnen…
- 01-08-2023Annual accounts filed
- 25-07-2022Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Founded
- 17-11-1994
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
Articles of association
- Provisions read
- 1
- Who signs
- Each director alone
Key facts about T and M CONSULTANCY
- What is the company number of T and M CONSULTANCY?
- 0453.827.861. In Belgium the VAT number is the company number with BE in front: BE 0453.827.861.
- Where is T and M CONSULTANCY based?
- The registered office is at Vlaanderenstraat 3, 8430 Middelkerke.Company details
- What is the legal form of T and M CONSULTANCY?
- Public limited company (NV).
- When was T and M CONSULTANCY founded?
- On 17-11-1994.
- Is T and M CONSULTANCY still active?
- Yes, T and M CONSULTANCY is an active enterprise in the KBO register.
- What is the turnover of T and M CONSULTANCY?
- Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
- Is T and M CONSULTANCY profitable?
- In financial year 2025, T and M CONSULTANCY made a loss of €3,103.
- Where can I find the annual accounts of T and M CONSULTANCY?
- T and M CONSULTANCY filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of T and M CONSULTANCY due?
- By 31-07-2027, for financial year 2026.Timeline
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