FMM CONSULTING · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FMM CONSULTING is 1.7% (moderate). The 2024 annual accounts show equity of €1.79M and a net result of €83k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 88% of 726 sector peers (fiscal year 2022). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	29-08-2025	29 d late	2025-00444726
31-12-2023	31-07-2024	14-02-2025	198 d late	2025-00035500
31-12-2022	31-07-2023	29-09-2023	60 d late	2023-00471723
31-12-2021	31-07-2022	25-08-2022	25 d late	2022-20317986

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

1.7% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€300k-38.4%

EBIT margin38.3%-28.7pp

Net result€83k-69.2%

Working capital€1.41M+6.4%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · ander

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~20.6%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	66.8%	20.8%	better than 88% of 726 sector peers
Net result	€785k	€10k	better than 95% of 723 sector peers
Equity	€1.44M	€86k	better than 91% of 727 sector peers
Gross operating margin	€1.07M	€150k	better than 95% of 641 sector peers
Staff costs	€3k	€177k	higher than 5% of 566 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€300k

-38.4% 21-24

EBITDA

€139k

-60.5% 21-24

Net profit

€83k

-69.2% 21-24

Cash flow

€108k

-63.7% 21-24

Total assets

€2.05M

-9.0% 21-24

Equity

€1.79M

+4.9% 21-24

Working capital

€1.41M

+6.4% 21-24

Employees (FTE)

1

+900.0% 21-24

Staff costs

€23k

-47.9% 21-24

Income taxes

€47k

-44.7% 21-24

Dividends

€100k

- 21-24

Debt

€256k

-52.7% 21-24

Debt ≤ 1y

€184k

-60.2% 21-24

Debt > 1y

€71k

-11.6% 21-24

Current ratio

8.65

+124.0% 21-24

Quick ratio

8.65

+124.0% 21-24

Solvency

87.5%

+15.2% 21-24

Debt / equity

0.14

-54.9% 21-24

ROE

4.6%

-70.6% 21-24

ROA

4.1%

-66.1% 21-24

Net margin

27.7%

-49.9% 21-24

EBITDA margin

46.4%

-35.9% 21-24

Interest coverage

24.45

-99.9% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	ander
Revenue	€300k
EBITDA	€139k
Net profit	€83k
Cash flow	€108k
Staff costs	€23k
Income taxes	€47k
Dividends	-
Total assets	€2.05M
Equity	€1.79M
Debt	€256k
of which ≤ 1y	€184k
of which > 1y	€71k
Working capital	€1.41M
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	8.65
Quick ratio	8.65
Working capital ratio	68.6%
Solvency	87.5%
Debt / equity	0.14
Long-term debt ratio	0.04
Interest coverage	24.45
Gross margin	-
Net margin	27.7%
ROA	4.1%
ROE	4.6%
EBITDA margin	46.4%
Days sales outstanding	132d
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €460k · 22.5% Current assets €1.59M · 77.5%

Equity & liabilities

Equity €1.79M · 87.5% Debt €256k · 12.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€2.05M
Fixed assets	21/28	€460k
Tangible fixed assets	22/27	€340k
Financial fixed assets	28	€121k
Current assets	29/58	€1.59M
Stocks & contracts in progress	3	€0
Amounts receivable within one year	40/41	€208k
Cash & bank	54/58	€617k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.05M
Equity	10/15	€1.79M
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€1.79M
Amounts payable	17/49	€256k
Amounts payable after one year	17	€71k
Amounts payable within one year	42/48	€184k
Trade debts payable within one year	44	€6k
Income statement
Turnover	70	€300k
Operating result	9901	€115k
Financial income	75	€21k
Financial charges	65	€6k
Result before taxes	9903	€130k
Income taxes	67/77	€47k
Net result for the period	9904	€83k
Result to be appropriated	9905	€83k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

94 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Rue Prés-Champs 254671 Blégny

Establishment units

1 location

FMM CONSULTING

Rue Prés-Champs 25, 4671 BlégnyOverige activiteiten op het gebied van telecommunicatie

since 20202.309.944.934

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area6,192 m²

Buildings1

Building footprint1,189 m²

Volume (LiDAR)10,762 m³

Tallest building10.0 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62010A0120/00W002	Wallonia	6,192 m²	1 · 1,189 m²	10.0 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

79 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 74

Solvency 100

Growth 35

Stability 94

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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We hold annual accounts for 143 of the 3,297 companies in this sector. 28 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen47781Overige detailhandel, niet in winkels en exclusief markt- en straathandel47990Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Wederverkoop van telecommunicatie en bemiddelingsactiviteiten in verband met telecommunicatie61200Overige telecommunicatie61900

Primary activity highlighted.

Names & trade names

Legal nameFR

FMM CONSULTING

Registered office

Rue Prés-Champs 25 bus A4

4671 Blégny, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.