TM CONSULTING
ActiveTM CONSULTING has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €-12k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability23▲+18
Solvency55▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.94 in 2024; short-term debt: 21.3% and cash: 24.2% of total assets), and 70.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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 2025Solvency, return and age of the figures
Solvency
29.9%
Return on assets
-3%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
192022232425
2019 to 2025 · latest year €-12k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
23 d early
2024
3 d late
2023
19 d early
2022
9 d late
2020
1 d late
2019
41 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€281k
EBIT margin
17.1%
Net result
€-12k▲ 80.0%
2024 · €-59k
2019: €48k
2020: €52k
2022: €23k
2023: €20k
2024: €-59k
2019 → 2025
Working capital
€39k▼ 28.6%
2024 · €54k
2019: €49k
2020: €104k
2022: €151k
2023: €183k
2024: €54k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€112k-€167k▲ 49.0%€187k▲ 12.0%€129k▼ 31.2%€117k▼ 9.1%
Operating result€52k-€30k▼ 41.1%€63k▲ 108%€-21k€21k
Net result€52k-€23k▼ 54.8%€20k▼ 13.9%€-59k€-12k▲ 80.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €21k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €392k
Fixed assets
€270k▼ 3.0%
Current assets
€122k▲ 9.4%
Equity and liabilities €392k
Equity
€117k▼ 9.1%
Debt
€275k▲ 5.3%
The debt ratio rises from 66.9% to 70.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€29k▲
2024 · €21k
Cash flow
€-3k▲
2024 · €-17k
Solvency
29.9%▼
2024 · 33.1%
Current ratio
1.46▼
2024 · 1.94
Quick ratio
1.46▼
2024 · 1.94
Debt / equity
2.35▲
2024 · 2.02
ROE
-10.0%▲
2024 · -45.4%
ROA
-3.0%▲
2024 · -15.0%
Interest coverage
0.90▲
2024 · 0.56
Debt
€275k▲
2024 · €261k
Debt ≤ 1 year
€83k▲
2024 · €57k
Debt > 1 year
€191k▼
2024 · €203k
Income taxes
€296▼
2024 · €305
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€389k€392k▲
Fixed assets21/28€278k€270k▼
Tangible fixed assets22/27€278k€270k▼
Land and buildings22€275k€268k▼
Plant, machinery and equipment23€2k€506▼
Furniture and vehicles24€2k€781▼
Current assets29/58€112k€122k▲
Amounts receivable within one year40/41€30k€22k▼
Trade receivables40€17k€12k▼
Other amounts receivable41€13k€10k▼
Cash at bank and in hand54/58€54k€95k▲
Deferred charges and accrued income490/1€27k€5k▼
Equity and liabilities
Total equity and liabilities10/49€389k€392k▲
Equity10/15€129k€117k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€108k€97k▼
Amounts payable17/49€261k€275k▲
Amounts payable after more than one year17€203k€191k▼
Financial debts170/4€203k€191k▼
Amounts payable within one year42/48€57k€83k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€8k€12k▲
Suppliers440/4€8k€12k▲
Other amounts payable47/48€38k€59k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€8k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€23k€30k▲
Operating profit (loss)9901€-21k€21k▲
Financial income75/76B€228€24▼
Recurring financial income75€228€24▼
Financial charges65/66B€37k€32k▼
Recurring financial charges65€37k€32k▼
Profit (loss) for the period before taxes9903€-58k€-11k▲
Income taxes67/77€305€296▼
Profit (loss) for the period9904€-59k€-12k▲
Profit (loss) for the period to be appropriated9905€-59k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€97k▼
Profit (loss) brought forward from the previous period14P€167k€108k▼
The notes to these accounts (5 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
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Weakest financial yearnet €-59k ▼391%
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
30-06
Financial
Equity above €150kEq €167k ▲49%
3 profitable years in a row build equity to €167k.
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Highest result since 2019net €52k ▲7.4%
Net result €52k, the highest in the series.
30-06
Financial
Liquidity quadruplescurrent ratio 27.07
Current ratio from 6.45 to 27.07; short-term debt falls from €9k to €4k.
30-06
Financial
Equity above €100kEq €112k ▲85.4%
2 profitable years in a row build equity to €112k.
12-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
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, Brecht · 1 establishment unit since 2017
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.
Kleipikker 352960 BrechtGround area
561 m²
Building footprint
160 m²
Volume, LiDAR
8 m³
Parcel 11043D0893/00S000, Flanders · tallest building 1.3 m. Linked by address, not a title deed.
1 establishment unit
TM CONSULTING
since 20172.269.104.568
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11043D0893/00S000 | Flanders | 561 m² | 1 · 160 m² | 1.3 m |
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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 13,950 EUR awarded · 13,950 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 6,975 EUR | 6,975 EUR |
| 2023 | 1 | 6,975 EUR | 6,975 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900U8BRYKSJ06WE13
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COMMENSE
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MERISTEM
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,385. 15,501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2017
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.