D. LIBERT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €401k and a net result of €5k. Equity is shrinking by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 8013 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
45 d early
2023
53 d early
2022
18 d late
2021
19 d early
2020
18 d late
2019
53 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€401k▲ 1.4%
2024 · €395k
2018: €550k
2019: €628k
2020: €709k
2021: €622k
2022: €528k
2023: €448k
2024: €395k
2018 → 2025
Net result
€5k▼ 64.1%
2024 · €15k
2018: €82k
2019: €104k
2020: €94k
2021: €-29k
2022: €6k
2023: €2k
2024: €15k
2018 → 2025
Total assets
€408k▼ 13.3%
2024 · €471k
2018: €634k
2019: €739k
2020: €768k
2021: €711k
2022: €640k
2023: €534k
2024: €471k
2018 → 2025
Solvency
98.1%▲ 14.2pp
2024 · 83.8%
2018: 86.7%
2019: 85.0%
2020: 92.3%
2021: 87.5%
2022: 82.4%
2023: 83.9%
2024: 83.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€622k-€528k▼ 15.2%€448k▼ 15.1%€395k▼ 11.8%€401k▲ 1.4%
Operating result€-26k-€672€3k▲ 322%€15k▲ 442%€5k▼ 69.3%
Net result€-29k-€6k€2k▼ 62.9%€15k▲ 571%€5k▼ 64.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €408k
Fixed assets
€82k▼ 21.8%
Current assets
€326k▼ 10.9%
Equity and liabilities €408k
Equity
€401k▲ 1.4%
Debt
€8k▼ 89.6%
The debt ratio falls from 16.2% to 1.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
98.1%▲
2024 · 83.8%
ROE
1.4%▼
2024 · 3.8%
ROA
1.3%▼
2024 · 3.2%
Debt
€8k▼
2024 · €76k
Debt ≤ 1 year
€7k▼
2024 · €75k
Debt > 1 year
€1k▼
2024 · €1k
Income taxes
€2k▲
2024 · €2k
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€471k€408k▼
Fixed assets21/28€105k€82k▼
Tangible fixed assets22/27€105k€82k▼
Land and buildings22€69k€56k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€30k€22k▼
Current assets29/58€366k€326k▼
Amounts receivable within one year40/41€19k€10k▼
Trade receivables40€19k€9k▼
Other amounts receivable41€39€118▲
Current investments50/53€4k€4k=
Cash at bank and in hand54/58€341k€313k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€471k€408k▼
Equity10/15€395k€401k▲
Contributions10/11€20k€20k=
Reserves13€100k€100k=
Tax-exempt reserves132€100k€100k=
Profit (loss) carried forward14€274k€280k▲
Amounts payable17/49€76k€8k▼
Amounts payable after more than one year17€1k€1k▼
Other amounts payable178/9€1k€1k▼
Amounts payable within one year42/48€75k€7k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€9k€3k▼
Other amounts payable47/48€65k€550▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€46k€36k▼
Operating profit (loss)9901€15k€5k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€302€84▼
Recurring financial charges65€302€84▼
Profit (loss) for the period before taxes9903€17k€8k▼
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€15k€5k▼
Profit (loss) for the period to be appropriated9905€15k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€288k€280k▼
Profit (loss) brought forward from the previous period14P€273k€274k▲
Transfer from equity791/2€68k-
Transfer to equity691/2€14k-
To other reserves6921€14k-
Profit to be distributed694/7€68k-
Return on contributions (dividend)694€68k-
The notes to these accounts (5 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 10current ratio 49.49
Current ratio from 4.89 to 49.49; short-term debt falls from €75k to €7k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-29k ▼131%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 53 days late
2019
31-12
Financial
Highest result since 2018net €104k ▲27.4%
Operating result €148k, net result €104k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 22 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
10-07
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.
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, Jemeppe-sur-Sambre
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 de la Fabrique,Moustier 965190 Jemeppe-sur-SambreGround area
1,122 m²
Building footprint
88 m²
Volume, LiDAR
856 m³
Parcel 92091B0193/00A005, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92091B0193/00A005 | Wallonia | 1,122 m² | 1 · 88 m² | 11.3 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.
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Of 232 companies in sector 64190 we hold annual accounts for 109. 76 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2000
Fiscal year end31-12
Activities, NACEBEL
64190Financial service activities, except insurance and pension funding
64999Other financial services
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.