TM CONSULT & DESIGN
ActiveSummary
TM CONSULT & DESIGN has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €31k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 85% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 7.95 against 10.77 in 2024; short-term debt: 11.9% and cash: 0.1% of total assets), and 11.9% of the assets are financed with debt.
Credit check for your own amount and term
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 · 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
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
88.1%
Return on assets
12.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
5 d late
2024
74 d late
2023
29 d late
2022
57 d late
2021
30 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€216k▲ 16.7%
2024 · €185k
2018: €70klowest in 8 years
2019: €93k▲ +32.4% vs 2018
2020: €117k▲ +26.5% vs 2019
2021: €149k▲ +26.6% vs 2020
2022: €149k▲ +0.4% vs 2021
2023: €163k▲ +9.5% vs 2022
2024: €185k▲ +13.2% vs 2023
2025: €216k▲ +16.7% vs 2024highest in 8 years
2018 → 2025
Total assets
€245k▲ 21.4%
2024 · €202k
2018: €81klowest in 8 years
2019: €100k▲ +24.1% vs 2018
2020: €125k▲ +24.9% vs 2019
2021: €193k▲ +54.7% vs 2020
2022: €187k▼ -3.1% vs 2021
2023: €191k▲ +2.3% vs 2022
2024: €202k▲ +5.5% vs 2023
2025: €245k▲ +21.4% vs 2024highest in 8 years
2018 → 2025
Net result
€31k▲ 43.9%
2024 · €21k
2018: €20k
2019: €23k▲ +11.0% vs 2018
2020: €25k▲ +8.3% vs 2019
2021: €31k▲ +26.9% vs 2020highest in 8 years
2022: €562▼ -98.2% vs 2021lowest in 8 years
2023: €14k▲ +2426% vs 2022
2024: €21k▲ +51.3% vs 2023
2025: €31k▲ +43.9% vs 2024
2018 → 2025
Working capital
€203k▲ 23.0%
2024 · €165k
2018: €61klowest in 8 years
2019: €88k▲ +43.0% vs 2018
2020: €114k▲ +29.6% vs 2019
2021: €122k▲ +7.5% vs 2020
2022: €127k▲ +4.2% vs 2021
2023: €145k▲ +14.1% vs 2022
2024: €165k▲ +13.7% vs 2023
2025: €203k▲ +23.0% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€149k▲ 0.4%€163k▲ 9.5%€185k▲ 13.2%€216k▲ 16.7%
2021: €149klowest in 5 years
2022: €149k▲ +0.4% vs 2021
2023: €163k▲ +9.5% vs 2022
2024: €185k▲ +13.2% vs 2023
2025: €216k▲ +16.7% vs 2024highest in 5 years
Operating result€47k-€5k▼ 89.3%€26k▲ 430%€32k▲ 20.7%€31k▼ 1.2%
2021: €47khighest in 5 years
2022: €5k▼ -89.3% vs 2021lowest in 5 years
2023: €26k▲ +430% vs 2022
2024: €32k▲ +20.7% vs 2023
2025: €31k▼ -1.2% vs 2024
Net result€31k-€562▼ 98.2%€14k▲ 2,426%€21k▲ 51.3%€31k▲ 43.9%
2021: €31khighest in 5 years
2022: €562▼ -98.2% vs 2021lowest in 5 years
2023: €14k▲ +2426% vs 2022
2024: €21k▲ +51.3% vs 2023
2025: €31k▲ +43.9% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €245k
Fixed assets
€13k ▼ 35.5%
Current assets
€232k ▲ 27.6%
Equity and liabilities €245k
Equity
€216k ▲ 16.7%
Debt
€29k ▲ 72.9%
Debt's share of the balance-sheet total rises from 8.4% to 11.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▲
2024 · €41k
Cash flow
€41k▲
2024 · €30k
Current ratio
7.95▼
2024 · 10.77
Debt to equity
0.14▲
2024 · 0.09
ROE
14.3%▲
2024 · 11.6%
ROA
12.6%▲
2024 · 10.6%
Interest coverage
52.88▼
2024 · 53.31
Debt ≤ 1 year
€29k▲
2024 · €17k
Income taxes
€14k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€202k€245k▲
Fixed assets21/28€20k€13k▼
Tangible fixed assets22/27€20k€13k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€18k€11k▼
Other tangible fixed assets26€0€0=
Financial fixed assets28€40€40=
Current assets29/58€182k€232k▲
Amounts receivable within one year40/41€160k€232k▲
Trade receivables40€13k€25k▲
Other amounts receivable41€147k€207k▲
Cash at bank and in hand54/58€21k€242▼
Deferred charges and accrued income490/1€1k€597▼
Equity and liabilities
Total equity and liabilities10/49€202k€245k▲
Equity10/15€185k€216k▲
Contributions10/11€6k€6k=
Reserves13€94k€124k▲
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Distributable reserves133€92k€122k▲
Profit (loss) carried forward14€85k€85k▲
Amounts payable17/49€17k€29k▲
Amounts payable within one year42/48€17k€29k▲
Current portion of amounts payable after more than one year42€4k-
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€10k€25k▲
Taxes450/3€10k€20k▲
Remuneration and social security454/9-€5k
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€42k€43k▲
Operating profit (loss)9901€32k€31k▼
Financial income75/76B€1€14k▲
Recurring financial income75€1€14k▲
Financial charges65/66B€761€785▲
Recurring financial charges65€761€785▲
Profit (loss) for the period before taxes9903€31k€45k▲
Income taxes67/77€10k€14k▲
Profit (loss) for the period9904€21k€31k▲
Profit (loss) for the period to be appropriated9905€21k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€106k€116k▲
Profit (loss) brought forward from the previous period14P€85k€85k▲
Transfer to equity691/2€21k€31k▲
To other reserves6921€21k€31k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €5k | - | - | - | €6k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €10k | €9k | €9k | €10k | ▲ 15.0% |
| Other operating charges640/8 | €2k | €1k | €1k | €1k | €1k | ▲ 20.7% |
| Gross operating margin9900 | €52k | €16k | €36k | €42k | €43k | ▲ 2.7% |
| Operating profit (loss)9901 | €47k | €5k | €26k | €32k | €31k | ▼ 1.2% |
| Financial income75/76B | €11 | €7 | €178 | €1 | €14k | ▲ 1,446,170% |
| Recurring financial income75 | €11 | €7 | €178 | €1 | €14k | ▲ 1,446,170% |
| Financial charges65/66B | €484 | €782 | €5k | €761 | €785 | ▲ 3.1% |
| Recurring financial charges65 | €484 | €782 | €5k | €761 | €785 | ▲ 3.1% |
| Profit (loss) for the period before taxes9903 | €46k | €4k | €22k | €31k | €45k | ▲ 44.7% |
| Income taxes67/77 | €15k | €4k | €7k | €10k | €14k | ▲ 46.6% |
| Profit (loss) for the period9904 | €31k | €562 | €14k | €21k | €31k | ▲ 43.9% |
| Profit (loss) for the period to be appropriated9905 | €31k | €562 | €14k | €21k | €31k | ▲ 43.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €193k | €187k | €191k | €202k | €245k | ▲ 21.4% |
| Fixed assets21/28 | €41k | €31k | €22k | €20k | €13k | ▼ 35.5% |
| Tangible fixed assets22/27 | €41k | €31k | €22k | €20k | €13k | ▼ 35.6% |
| Plant, machinery and equipment23 | €468 | €0 | €0 | €2k | €2k | ▼ 21.0% |
| Furniture and vehicles24 | €40k | €31k | €22k | €18k | €11k | ▼ 37.2% |
| Other tangible fixed assets26 | €225 | €37 | €0 | €0 | €0 | - |
| Financial fixed assets28 | - | €40 | €40 | €40 | €40 | = |
| Current assets29/58 | €152k | €156k | €169k | €182k | €232k | ▲ 27.6% |
| Amounts receivable within one year40/41 | €116k | €116k | €161k | €160k | €232k | ▲ 45.0% |
| Trade receivables40 | €11k | €12k | €12k | €13k | €25k | ▲ 89.7% |
| Other amounts receivable41 | €105k | €104k | €149k | €147k | €207k | ▲ 41.0% |
| Cash at bank and in hand54/58 | €28k | €38k | €7k | €21k | €242 | ▼ 98.9% |
| Deferred charges and accrued income490/1 | €9k | €2k | €981 | €1k | €597 | ▼ 47.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €193k | €187k | €191k | €202k | €245k | ▲ 21.4% |
| Equity10/15 | €149k | €149k | €163k | €185k | €216k | ▲ 16.7% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €54k | €58k | €72k | €94k | €124k | ▲ 32.5% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Other1319 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €53k | €57k | €71k | €92k | €122k | ▲ 33.2% |
| Profit (loss) carried forward14 | €88k | €85k | €85k | €85k | €85k | ▲ 0.5% |
| Amounts payable17/49 | €44k | €38k | €28k | €17k | €29k | ▲ 72.9% |
| Amounts payable after more than one year17 | €14k | €9k | €4k | - | - | - |
| Financial debts170/4 | €14k | €9k | €4k | - | - | - |
| Amounts payable within one year42/48 | €30k | €29k | €24k | €17k | €29k | ▲ 72.9% |
| Current portion of amounts payable after more than one year42 | €5k | €5k | €5k | €4k | - | - |
| Trade debts44 | €5k | €5k | €4k | €3k | €4k | ▲ 58.2% |
| Suppliers440/4 | €5k | €5k | €4k | €3k | €4k | ▲ 58.2% |
| Taxes, remuneration and social security45 | €21k | €18k | €15k | €10k | €25k | ▲ 150% |
| Taxes450/3 | €21k | €18k | €13k | €10k | €20k | ▲ 95.5% |
| Remuneration and social security454/9 | €0 | - | €2k | - | €5k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31k | €562 | €14k | €21k | €31k | ▲ 43.9% |
| + Depreciation and write-downs630 | €4k | €10k | €9k | €9k | €10k | ▲ 15.0% |
| Operating cash flow (approximation) | €35k | €10k | €23k | €30k | €41k | ▲ 35.6% |
| Investment in fixed assets (approximation) | - | €-40 | €0 | €-6k | €-3k | ▲ 49.9% |
| Change in cash | - | €10k | €-31k | €14k | €-21k | ▼ 247% |
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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Equity above €200kEq €216k ▲16.7%
8 profitable years in a row build equity to €216k.
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 74 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Equity above €150kEq €163k ▲9.5%
6 profitable years in a row build equity to €163k.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
31-12
Financial
Weakest financial yearnet €562 ▼98.2%
Net result drops to €562, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €31k ▲26.9%
Operating result €47k, net result €31k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €117k ▲26.5%
3 profitable years in a row build equity to €117k.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 88 days late
Show earlier events
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Brasschaat · 1 establishment unit since 2005
Ground area
795 m²
Building footprint
136 m²
Volume, LiDAR
725 m³
Parcel 11323F0375/00P000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TM CONSULT & DESIGN
since 20052.147.070.056
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0375/00P000 | Flanders | 795 m² | 1 · 136 m² | 8.7 m · 2 fl. |
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.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,491 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
Founded18-05-2005
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
62100Computer programming
71121Engineering and related technical consultancy, excluding land surveyors
74201Photography, excluding press photography
Scores and ratios are computed by Checked and are not a credit decision.