BIBCOM
ActiveBIBCOM has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €5k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▲+4
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 16.53 against 8.33 in 2024), and 6.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 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
93.9%
Return on assets
5.4%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
30 d early
2023
22 d early
2022
32 d early
2021
31 d late
2020
18 d late
2019
5 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 6.2%
2024 · €88k
2018: €24k
2019: €36k
2020: €52k
2021: €65k
2022: €75k
2023: €83k
2024: €88k
2018 → 2025
Total assets
€99k▼ 0.2%
2024 · €99k
2018: €40k
2019: €51k
2020: €90k
2021: €100k
2022: €98k
2023: €102k
2024: €99k
2018 → 2025
Net result
€5k▲ 23.7%
2024 · €4k
2018: €10k
2019: €12k
2020: €17k
2021: €13k
2022: €10k
2023: €8k
2024: €4k
2018 → 2025
Working capital
€93k▲ 9.8%
2024 · €85k
2018: €24k
2019: €35k
2020: €43k
2021: €58k
2022: €69k
2023: €77k
2024: €85k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€75k▲ 15.6%€83k▲ 10.9%€88k▲ 5.2%€93k▲ 6.2%
Operating result€20k-€16k▼ 19.4%€13k▼ 21.3%€7k▼ 46.5%€8k▲ 13.0%
Net result€13k-€10k▼ 20.1%€8k▼ 19.7%€4k▼ 46.5%€5k▲ 23.7%
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 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €99k
Equity
€93k▲ 6.2%
Debt
€6k▼ 48.2%
The debt ratio falls from 11.7% to 6.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€11k▼
2024 · €12k
Cash flow
€8k▼
2024 · €9k
Solvency
93.9%▲
2024 · 88.3%
Current ratio
16.53▲
2024 · 8.33
Quick ratio
16.53▲
2024 · 8.33
Debt / equity
0.06▼
2024 · 0.13
ROE
5.8%▲
2024 · 5.0%
ROA
5.4%▲
2024 · 4.4%
Interest coverage
86.90▲
2024 · 32.06
Debt
€6k▼
2024 · €12k
Debt ≤ 1 year
€6k▼
2024 · €12k
Income taxes
€3k▲
2024 · €3k
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€99k€99k▼
Fixed assets21/28€3k€0▼
Tangible fixed assets22/27€3k€0▼
Furniture and vehicles24€3k€0▼
Current assets29/58€96k€99k▲
Amounts receivable within one year40/41€15k€6k▼
Trade receivables40€13k€3k▼
Other amounts receivable41€3k€3k▲
Current investments50/53€40k€65k▲
Cash at bank and in hand54/58€40k€27k▼
Deferred charges and accrued income490/1€629€351▼
Equity and liabilities
Total equity and liabilities10/49€99k€99k▼
Equity10/15€88k€93k▲
Contributions10/11€19k€19k=
Reserves13€69k€74k▲
Non-distributable reserves130/1€862€862=
Reserves not available under the articles1311€862€862=
Distributable reserves133€68k€73k▲
Profit (loss) carried forward14€374€374=
Amounts payable17/49€12k€6k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€12k€6k▼
Current portion of amounts payable after more than one year42€2k€0▼
Trade debts44€407€12▼
Suppliers440/4€407€12▼
Taxes, remuneration and social security45€1k€0▼
Taxes450/3€1k€0▼
Other amounts payable47/48€8k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€1k€917▼
Gross operating margin9900€13k€12k▼
Operating profit (loss)9901€7k€8k▲
Financial income75/76B€938€1k▲
Recurring financial income75€938€1k▲
Financial charges65/66B€373€123▼
Recurring financial charges65€373€123▼
Profit (loss) for the period before taxes9903€7k€9k▲
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€4k€5k▲
Profit (loss) for the period to be appropriated9905€4k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€6k▲
Profit (loss) brought forward from the previous period14P€374€374=
Transfer to equity691/2€4k€5k▲
To other reserves6921€4k€5k▲
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €4k ▼46.5%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Highest result since 2018net €17k ▲39.5%
Operating result €27k, net result €17k, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Liège · 1 establishment unit since 2006
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 du Beau-Site 734032 LiègeGround area
2,560 m²
Building footprint
147 m²
Volume, LiDAR
1,343 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BIBCOM
since 20062.157.117.078
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61062A0740/00Z000 | Wallonia | 2,230 m² | 1 · 74 m² | 10.9 m · 3 fl. |
| 62023A0209/00W011 | Wallonia | 329 m² | 1 · 74 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ONFLOW
BE 0793.754.562
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PACKPROCESS
BE 0735.603.656
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Tom Peeters Consulting
BE 0799.651.271
Antwerpen · Eq €93k
LB MANAGEMENT
BE 0741.619.042
Soumagne · Eq €93k
Ann Pieters
BE 0804.979.937
Kaprijke · Eq €93k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 40,344 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-10-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
47400Retail sale of information and communication equipment
47410Retail trade
52487
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.