mat consult
ActiveSummary
mat consult has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €137k and a net result of €15k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 79% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 5.0 against 4.55 in 2024; short-term debt: 19.8% and cash: 52.8% of total assets), and 19.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 82
Relative position
BE, all sectors
reference
Sector 82
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
80.2%
Return on assets
8.8%
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 04-08-2026, 4 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
4 d late
2024
1 d late
2023
6 d late
2022
32 d late
2021
4 d early
2020
46 d early
2019
32 d early
← 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
€137k▲ 12.3%
2024 · €122k
2018: €36k
2019: €41k
2020: €54k
2021: €74k
2022: €91k
2023: €111k
2024: €122k
2018 → 2025
Total assets
€171k▲ 9.7%
2024 · €156k
2018: €53k
2019: €60k
2020: €74k
2021: €104k
2022: €123k
2023: €144k
2024: €156k
2018 → 2025
Net result
€15k▲ 36.1%
2024 · €11k
2018: €-4k
2019: €5k
2020: €13k
2021: €20k
2022: €17k
2023: €20k
2024: €11k
2018 → 2025
Working capital
€135k▲ 13.3%
2024 · €119k
2018: €32k
2019: €41k
2020: €53k
2021: €75k
2022: €89k
2023: €109k
2024: €119k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€91k▲ 23.4%€111k▲ 22.1%€122k▲ 9.9%€137k▲ 12.3%
Operating result€29k-€29k▼ 0.6%€31k▲ 8.6%€24k▼ 25.1%€24k▲ 3.2%
Net result€20k-€17k▼ 12.2%€20k▲ 16.7%€11k▼ 45.2%€15k▲ 36.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€2k ▼ 32.3%
Current assets
€169k ▲ 10.5%
Equity and liabilities €171k
Equity
€137k ▲ 12.3%
Debt
€34k ▲ 0.5%
Debt's share of the balance-sheet total falls from 21.6% to 19.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▲
2024 · €24k
Cash flow
€16k▲
2024 · €12k
Current ratio
5.00▲
2024 · 4.55
Debt to equity
0.25▼
2024 · 0.28
ROE
10.9%▲
2024 · 9.0%
ROA
8.8%▲
2024 · 7.1%
Interest coverage
12.50▼
2024 · 13.45
Debt ≤ 1 year
€34k▲
2024 · €34k
Income taxes
€10k▼
2024 · €11k
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€156k€171k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€1k€906▼
Furniture and vehicles24€1k€946▼
Current assets29/58€153k€169k▲
Amounts receivable within one year40/41€53k€79k▲
Other amounts receivable41€53k€79k▲
Current investments50/53€100k-
Cash at bank and in hand54/58€7€90k▲
Deferred charges and accrued income490/1€233€259▲
Equity and liabilities
Total equity and liabilities10/49€156k€171k▲
Equity10/15€122k€137k▲
Contributions10/11€8k€8k=
Reserves13€29k€39k▲
Non-distributable reserves130/1€29k€39k▲
Other1319€29k€39k▲
Profit (loss) carried forward14€85k€90k▲
Amounts payable17/49€34k€34k▲
Amounts payable within one year42/48€34k€34k▲
Trade debts44-€457
Suppliers440/4-€457
Advances received on contracts in progress46€15k-
Taxes, remuneration and social security45€19k€18k▼
Taxes450/3€19k€18k▼
Other amounts payable47/48-€15k
Income statement
Code20242025
Non-recurring operating income76A€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€936€882▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A-€181
Gross operating margin9900€28k€27k▼
Operating profit (loss)9901€24k€24k▲
Financial income75/76B€0€2k▲
Recurring financial income75€0€2k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€22k€25k▲
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€11k€15k▲
Profit (loss) for the period to be appropriated9905€11k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€100k▲
Profit (loss) brought forward from the previous period14P€83k€85k▲
Transfer from equity791/2€2k-
Transfer to equity691/2€11k€10k▼
To contributions691€2k-
To other reserves6921€9k€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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Highest result since 2018net €20k ▲16.7%
Operating result €31k, net result €20k, both a record.
31-12
Financial
Equity above €100kEq €111k ▲22.1%
5 profitable years in a row build equity to €111k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 90 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Mont-Saint-Guibert · 1 establishment unit since 2007
Ground area
3,058 m²
Building footprint
569 m²
Volume, LiDAR
5,210 m³
Parcel 25068B0225/00K000, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MAT CONSULT SPRL
since 20072.168.017.405
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25068B0225/00K000 | Wallonia | 3,058 m² | 1 · 569 m² | 11.6 m · 3 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 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,154 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
Founded28-11-2007
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.