Equity
-€9,887
Debts exceed assets in financial year 2025.
T.M. cyber consultancy
Lifetime
4 annual accounts with figures on one time axispeak €85,983 (2024)
€24,516▼ 71.5%
lowest -€10,926 (2025)
-€10,926▼ €58,447
peak €72,268 (2023)
-€9,887▼ €58,426
€111,638▲ 25.8%
Board1 name since 2022
1 directorMARTENS Timothy Stendert
Documentsfilings and deeds
28-09-202659 days late
2025micro format
Gross margin from €85,983 to €24,516Loss of €10,926Registered office moved within Deerlijk 24-02Dividend €47,500Equity from €48,539 to -€9,887Debts from €88,732 to €111,638
Key points
from the 2025 annual accountsResult
-€10,926 -€10,926
From profit to loss in 2025, after a profit of €47,521 in 2024.
Debts
€111,638 110% of the balance sheet
Financial debts 45%Suppliers 2%Taxes and wages 13%Other 41%
Liquidity
0.78 was 1.64 in 2024
Short-term debts rose from €34,046 to €111,638.
Filings
4 annual accounts 4 late
The 2025 accounts came latest: 59 days after the end of the period.
Position in the sector
-€9,887
Less equity than 95% of companies in computer programming and consultancy. Sector median €69,058 · 21,211 companies.
Checked score
53
Fair
Financially stronger than 7% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%▲ +0.1 percentage points vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.4%▲ +0.2 percentage points vs 07-2025
09-2025: 0.2%▼ -0.2 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.3 percentage points vs 07-2026
09-2026: 0.6%▲ +0.1 percentage points vs 08-2026
10-2026: 1.0%▲ +0.4 percentage points vs 09-2026highest value
11-2026: 1.0%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
1 change of registered office in 24 months
Negative equity -€9,887
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €101,751
Calculation
The band follows from the bankruptcy probability. 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 (NACE 62, micro). It does better than 7% of them on solvency, 8% on liquidity, 12% on profitability and 3% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as T.M. cyber consultancy has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of T.M. cyber consultancy itself is lower: 1.0% within 12 months. It rests on far more data about T.M. cyber consultancy than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for T.M. cyber consultancy. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.78 (1.64 in 2024), below 1. Short-term debt is 109.7% and cash 17.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€9,887
raises risk · 2025 accounts filed 59 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 4 filingsDeviation from the deadline
2025
59 days late
2024
27 days late
2023
29 days late
2022
32 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 37 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed 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 31 August (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved within Deerlijk
New registered office: Kapittelstraat 3 te 8540 Deerlijk · Previous registered office: Otegemse steenweg 81 te 8540 Deerlijk · General meeting of 31-10-2024 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0780877615
First establishment
Lijnzaadstraat 25, Waregem
Incorporation
Founding capital of €1,000, 50 shares · Founder: MARTENS Timothy Stendert · Appointment: MARTENS Timothy Stendert (director) · published on 27-01-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| T.M. cyber consultancy Deerlijk | €101,751 | €24,516 | -9.7% | - |
| Creacis Kuurne | €97,972 | €23,724 | 24.6% | - |
| Acceron Consulting Diepenbeek | €103,191 | €26,247 | 80.4% | - |
| NSL SERVICES Brussels | €97,191 | €26,327 | 78.7% | - |
| MGC Solutions Kruisem | €94,428 | €24,065 | 19.9% | - |
| Webcollation Edegem | €102,599 | €26,970 | 80.3% | - |
| BizCraft Grez-Doiceau | €90,766 | €25,153 | 77.8% | - |
These companies have the same main activity as T.M. cyber consultancy: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €90,800 and €103,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 25-01-2022Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.327.376.8248793 Waregem, since 01-02-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 31-10-2023
Insights on T.M. cyber consultancy
T.M. cyber consultancy files the micro format. That format states no turnover. The gross margin fell from €46,429 in 2022 to €24,516 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about T.M. cyber consultancy
- What is the company number of T.M. cyber consultancy?
- The company number of T.M. cyber consultancy is 0780.877.615. The VAT number is the same number with BE in front: BE 0780.877.615.
- Where is T.M. cyber consultancy based?
- The registered office is at Kapittelstraat 3, 8540 Deerlijk.Company details
- What does T.M. cyber consultancy do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of T.M. cyber consultancy?
- T.M. cyber consultancy is a private limited company (BV).
- When was T.M. cyber consultancy founded?
- T.M. cyber consultancy was founded on 25-01-2022.
- Is T.M. cyber consultancy still active?
- Yes, T.M. cyber consultancy is an active enterprise in the KBO register.
- What is the turnover of T.M. cyber consultancy?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €24,516 and 73 comparable companies (NACE 62200). It probably lies between €63,000 and €260,000. It is a rough estimate.Financials
- Is T.M. cyber consultancy profitable?
- In financial year 2025, T.M. cyber consultancy made a loss of €10,926.
- Where can I find the annual accounts of T.M. cyber consultancy?
- T.M. cyber consultancy filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of T.M. cyber consultancy due?
- T.M. cyber consultancy must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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