M+M Management & Consulting
ActiveSummary
M+M Management & Consulting has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €10k. Equity is growing by ~39% per year across the filed fiscal years. Its solvency ranks better than 45% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93=
Solvency75▲+22
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.85 in 2024; short-term debt: 50% and cash: 47.8% of total assets), and 50% of the assets are financed with debt.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
50%
Return on assets
19.3%
Age of the figures
9 mo
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
1 d early
2023
5 d early
2022
31 d late
2021
62 d early
2020
130 d early
2019
18 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 62.8%
2024 · €15k
2018: €47k
2019: €-13k
2020: €470
2021: €3k
2022: €8k
2023: €5k
2024: €15k
2018 → 2025
Total assets
€50k▼ 8.3%
2024 · €55k
2018: €57k
2019: €68k
2020: €70k
2021: €63k
2022: €59k
2023: €57k
2024: €55k
2018 → 2025
Net result
€10k▼ 10.0%
2024 · €11k
2018: €6k
2019: €-60k
2020: €13k
2021: €2k
2022: €6k
2023: €-4k
2024: €11k
2018 → 2025
Working capital
€25k▲ 1.2%
2024 · €25k
2018: €47k
2019: €51k
2020: €50k
2021: €42k
2022: €36k
2023: €24k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€8k▲ 207%€5k▼ 42.9%€15k▲ 230%€25k▲ 62.8%
Operating result€4k-€7k▲ 79.0%€-2k€17k€16k▼ 7.8%
Net result€2k-€6k▲ 151%€-4k€11k€10k▼ 10.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €50k
Equity
€25k ▲ 62.8%
Debt
€25k ▼ 36.2%
Debt's share of the balance-sheet total falls from 71.8% to 50.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €18k
Cash flow
€11k▼
2024 · €12k
Current ratio
2.00▲
2024 · 1.85
Debt to equity
1.00▼
2024 · 2.55
ROE
38.6%▼
2024 · 69.7%
ROA
19.3%▼
2024 · 19.6%
Interest coverage
26.12▲
2024 · 26.01
Debt ≤ 1 year
€25k▼
2024 · €29k
Income taxes
€7k▲
2024 · €6k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€55k€50k▼
Fixed assets21/28€785-
Tangible fixed assets22/27€785-
Furniture and vehicles24€785-
Current assets29/58€54k€50k▼
Amounts receivable within one year40/41€13k€19k▲
Trade receivables40€13k€19k▲
Cash at bank and in hand54/58€32k€24k▼
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€55k€50k▼
Equity10/15€15k€25k▲
Contributions10/11€6k€6k=
Reserves13€9k€19k▲
Distributable reserves133€9k€19k▲
Amounts payable17/49€39k€25k▼
Amounts payable after more than one year17€10k-
Financial debts170/4€10k-
Amounts payable within one year42/48€29k€25k▼
Current portion of amounts payable after more than one year42€11k€10k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€16k€13k▼
Taxes450/3€13k€13k▲
Remuneration and social security454/9€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€785▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€22k€20k▼
Operating profit (loss)9901€17k€16k▼
Financial income75/76B€750€1k▲
Recurring financial income75€750€1k▲
Financial charges65/66B€705€638▼
Recurring financial charges65€705€638▼
Profit (loss) for the period before taxes9903€17k€16k▼
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€11k€10k▼
Profit (loss) for the period to be appropriated9905€11k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€10k▲
Profit (loss) brought forward from the previous period14P€-4k-
Transfer to equity691/2€7k€10k▲
To other reserves6921€7k€10k▲
The notes to these accounts (4 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-12
Financial
Weakest financial yearnet €-60k ▼1075%
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Heusden-Zolder · 1 establishment unit since 2009
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.
Alice Nahonlaan 153550 Heusden-ZolderGround area
1,020 m²
Building footprint
139 m²
Volume, LiDAR
943 m³
Parcel 71065A1455/00E002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Alice Nahonlaan 15, 3550 Heusden-Zolder
since 20092.182.969.657
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A1455/00E002 | Flanders | 1,019 m² | 1 · 139 m² | 8.4 m · 2 fl. |
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.
Similar companies · same sector, comparable size
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 32,926 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2009
Fiscal year end31-12
Abbreviation NL
M+M
Activities, NACEBEL 2025
70200Business and other management consultancy
68110Buying and selling of own real estate
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:011/53.80.14