ANVER@LIBRO
ActiveSummary
ANVER@LIBRO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218,775 and a net result of €41,813. Equity is growing by ~3.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▲+13
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 33.22; short-term debt: 1% and cash: 15.9% of total assets), and 2.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
97.4%
Return on assets
18.6%
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 20-08-2026, 20 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
20 d late
2024
29 d late
2023
43 d early
2022
7 d early
2021
34 d early
2020
33 d early
2019
3 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 9 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€218,775▼ 39.5%
2024 · €361,562
Total assets
€224,571▼ 38.1%
2024 · €362,521
Net result
€41,813▲ 44.6%
2024 · €28,921
Working capital
€72,079▼ 65.6%
2024 · €209,448
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€32,709▼ 60.9%€20,755▼ 36.5%€32,185▲ 55.1%€33,322▲ 3.5%€31,707▼ 4.8%
Net result€21,902▼ 61.4%€13,483▼ 38.4%€22,128▲ 64.1%€28,921▲ 30.7%€41,813▲ 44.6%
Equity€361,831▲ 6.4%€375,314▲ 3.7%€368,441▼ 1.8%€361,562▼ 1.9%€218,775▼ 39.5%
Total assets€388,446▲ 1.0%€397,626▲ 2.4%€376,614▼ 5.3%€362,521▼ 3.7%€224,571▼ 38.1%
Debt€26,615▼ 40.2%€22,313▼ 16.2%€8,172▼ 63.4%€959▼ 88.3%€5,796▲ 504%
Working capital€218,107▲ 11.5%€228,408▲ 4.7%€212,576▼ 6.9%€209,448▼ 1.5%€72,079▼ 65.6%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224,571
Fixed assets
€150,255 ▼ 1.2%
Current assets
€74,316 ▼ 64.7%
Equity and liabilities €224,571
Equity
€218,775 ▼ 39.5%
Debt
€5,796 ▲ 504%
Debt's share of the balance-sheet total rises from 0.3% to 2.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€39,119▼
2024 · €40,435
Cash flow
€49,226▲
2024 · €36,034
Current ratio
33.22
Debt to equity
0.03▲
2024 · 0.00
ROE
19.1%▲
2024 · 8.0%
ROA
18.6%▲
2024 · 8.0%
Interest coverage
869.32▼
2024 · 929.53
Debt ≤ 1 year
€2,237▲
2024 · €959
Income taxes
€16,776▲
2024 · €10,345
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €72 | €8,000 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,782 | €14,973 | €7,144 | €7,113 | €7,413 | ▲ 4.2% |
| Other operating charges640/8 | €4,390 | €4,516 | €7,864 | €4,589 | €4,797 | ▲ 4.5% |
| Non-recurring operating charges66A | - | €834 | - | - | - | - |
| Gross operating margin9900 | €47,882 | €41,077 | €47,193 | €45,024 | €43,916 | ▼ 2.5% |
| Operating profit (loss)9901 | €32,709 | €20,755 | €32,185 | €33,322 | €31,707 | ▼ 4.8% |
| Financial income75/76B | €0 | €0 | €852 | €5,988 | €26,927 | ▲ 350% |
| Recurring financial income75 | €0 | €0 | €852 | €5,988 | €26,927 | ▲ 350% |
| Financial charges65/66B | €37 | €97 | €155 | €44 | €45 | ▲ 3.4% |
| Recurring financial charges65 | €37 | €97 | €155 | €44 | €45 | ▲ 3.4% |
| Profit (loss) for the period before taxes9903 | €32,673 | €20,658 | €32,881 | €39,266 | €58,588 | ▲ 49.2% |
| Income taxes67/77 | €10,771 | €7,175 | €10,754 | €10,345 | €16,776 | ▲ 62.2% |
| Profit (loss) for the period9904 | €21,902 | €13,483 | €22,128 | €28,921 | €41,813 | ▲ 44.6% |
| Profit (loss) for the period to be appropriated9905 | €21,902 | €13,483 | €22,128 | €28,921 | €41,813 | ▲ 44.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €388,446 | €397,626 | €376,614 | €362,521 | €224,571 | ▼ 38.1% |
| Fixed assets21/28 | €146,622 | €150,011 | €159,227 | €152,114 | €150,255 | ▼ 1.2% |
| Tangible fixed assets22/27 | €146,572 | €149,961 | €159,178 | €152,065 | €150,205 | ▼ 1.2% |
| Land and buildings22 | €112,979 | €112,328 | €112,088 | €152,038 | €150,205 | ▼ 1.2% |
| Plant, machinery and equipment23 | €32,166 | €37,127 | €46,876 | - | - | - |
| Furniture and vehicles24 | €1,428 | €506 | €214 | €27 | €0 | ▼ 100% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €241,824 | €247,615 | €217,387 | €210,407 | €74,316 | ▼ 64.7% |
| Amounts receivable within one year40/41 | €4,161 | €3,058 | €2,312 | €3,759 | €1,335 | ▼ 64.5% |
| Trade receivables40 | €2,904 | €3,058 | - | €3,288 | €0 | ▼ 100% |
| Other amounts receivable41 | €1,257 | - | €2,312 | €471 | €1,335 | ▲ 184% |
| Current investments50/53 | - | €149,236 | €149,687 | €161,292 | €37,242 | ▼ 76.9% |
| Cash at bank and in hand54/58 | €237,663 | €95,321 | €65,388 | €42,956 | €35,739 | ▼ 16.8% |
| Deferred charges and accrued income490/1 | - | - | - | €2,400 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €388,446 | €397,626 | €376,614 | €362,521 | €224,571 | ▼ 38.1% |
| Equity10/15 | €361,831 | €375,314 | €368,441 | €361,562 | €218,775 | ▼ 39.5% |
| Contributions10/11 | €21,000 | €21,000 | €21,000 | €21,000 | €21,000 | = |
| Reserves13 | €340,831 | €354,314 | €347,441 | €340,562 | €197,775 | ▼ 41.9% |
| Non-distributable reserves130/1 | €12,500 | €12,500 | - | - | - | - |
| Reserves not available under the articles1311 | €12,500 | €12,500 | - | - | - | - |
| Distributable reserves133 | €328,331 | €341,814 | €347,441 | €340,562 | €197,775 | ▼ 41.9% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €26,615 | €22,313 | €8,172 | €959 | €5,796 | ▲ 504% |
| Amounts payable within one year42/48 | €23,717 | €19,208 | €4,811 | €959 | €2,237 | ▲ 133% |
| Trade debts44 | €42 | €63 | €2,326 | €69 | €387 | ▲ 459% |
| Suppliers440/4 | €42 | €63 | €2,326 | €69 | €387 | ▲ 459% |
| Taxes, remuneration and social security45 | €8,323 | €6,946 | €2,210 | €0 | - | - |
| Taxes450/3 | €8,323 | €6,946 | €2,210 | €0 | - | - |
| Other amounts payable47/48 | €15,352 | €12,199 | €275 | €890 | €1,850 | ▲ 108% |
| Accrued charges and deferred income492/3 | €2,898 | €3,105 | €3,362 | €0 | €3,559 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,902 | €13,483 | €22,128 | €28,921 | €41,813 | ▲ 44.6% |
| + Depreciation and write-downs630 | €10,782 | €14,973 | €7,144 | €7,113 | €7,413 | ▲ 4.2% |
| Operating cash flow (approximation) | €32,684 | €28,455 | €29,272 | €36,034 | €49,226 | ▲ 36.6% |
| Investment in fixed assets (approximation) | - | -€18,362 | -€16,361 | €0 | -€5,554 | - |
| Change in cash | - | -€142,342 | -€29,933 | -€22,432 | -€7,217 | ▲ 67.8% |
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 5current ratio 219.35
Current ratio from 45.19 to 219.35; short-term debt falls from €4,811 to €959.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 45.19
Current ratio from 12.89 to 45.19; short-term debt falls from €19,208 to €4,811.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €13,483 ▼38.4%
Net result drops to €13,483, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Highest result since 2018net €113,683 ▲270%
Operating result €169,480, net result €113,683, both a record.
31-12
Financial
Liquidity times 9current ratio 3.79
Current ratio from 0.42 to 3.79; short-term debt falls from €257,733 to €47,549.
Show earlier events
31-12
Financial
Equity above €200,000Eq €283,218 ▲67.1%
2 profitable years in a row build equity to €283,218.
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Antwerpen · 1 establishment unit since 1990
Ground area
442 m²
Building footprint
174 m²
Volume, LiDAR
3,206 m³
2 parcels, Flanders · tallest building 27.5 m, ±9 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Britselei 34, 2000 Antwerpen
since 19902.049.367.696
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0237/00X014 | Flanders | 300 m² | 1 · 72 m² | 12.0 m · 4 fl. |
| 11804D2165/00X012 | Flanders | 141 m² | 1 · 102 m² | 27.5 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded06-08-1990
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0441302587
Also
9925:BE0441302587
Registered
13-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.