DR. INE LIBBRECHT
ActiveSummary
DR. INE LIBBRECHT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €854k and a net result of €161k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
86
/ 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
Profitability85▲+16
Solvency93▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 3.37 against 2.63 in 2024; short-term debt: 9.3% and cash: 1.1% of total assets), and 32% of the assets are financed with debt.
Credit check 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 86
Relative position
BE, all sectors
reference
Sector 86
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
68%
Return on assets
12.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
16 d early
2023
29 d early
2022
14 d early
2021
12 d early
2020
22 d early
2019
4 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
€854k▲ 22.9%
2024 · €695k
2018: €388k
2019: €427k
2020: €507k
2021: €550k
2022: €648k
2023: €604k
2024: €695k
2018 → 2025
Total assets
€1.26M▲ 10.2%
2024 · €1.14M
2018: €1.05M
2019: €1.03M
2020: €1.06M
2021: €1.04M
2022: €1.10M
2023: €1.08M
2024: €1.14M
2018 → 2025
Net result
€161k▲ 74.1%
2024 · €92k
2018: €69k
2019: €40k
2020: €81k
2021: €43k
2022: €85k
2023: €71k
2024: €92k
2018 → 2025
Working capital
€277k▲ 31.5%
2024 · €211k
2018: €-19k
2019: €-12k
2020: €62k
2021: €102k
2022: €177k
2023: €134k
2024: €211k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€550k-€648k▲ 17.8%€604k▼ 6.8%€695k▲ 15.0%€854k▲ 22.9%
Operating result€107k-€162k▲ 51.6%€146k▼ 9.9%€167k▲ 14.3%€272k▲ 63.2%
Net result€43k-€85k▲ 95.2%€71k▼ 16.7%€92k▲ 30.6%€161k▲ 74.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 63% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€861k ▲ 7.7%
Current assets
€394k ▲ 15.9%
Equity and liabilities €1.26M
Equity
€854k ▲ 22.9%
Debt
€402k ▼ 9.8%
Debt's share of the balance-sheet total falls from 39.1% to 32.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€303k▲
2024 · €194k
Cash flow
€192k▲
2024 · €120k
Current ratio
3.37▲
2024 · 2.63
Debt to equity
0.47▼
2024 · 0.64
ROE
18.8%▲
2024 · 13.3%
ROA
12.8%▲
2024 · 8.1%
Interest coverage
6.56▲
2024 · 4.78
Debt ≤ 1 year
€117k▼
2024 · €129k
Debt > 1 year
€267k▼
2024 · €296k
Income taxes
€66k▲
2024 · €40k
Staff costs
€30k▲
2024 · €25k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.14M€1.26M▲
Fixed assets21/28€800k€861k▲
Tangible fixed assets22/27€800k€861k▲
Land and buildings22€795k€858k▲
Plant, machinery and equipment23€5k€4k▼
Current assets29/58€340k€394k▲
Amounts receivable within one year40/41€101€276▲
Trade receivables40€101€276▲
Current investments50/53€270k€250k▼
Cash at bank and in hand54/58€33k€14k▼
Deferred charges and accrued income490/1€37k€130k▲
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.26M▲
Equity10/15€695k€854k▲
Reserves13€695k€854k▲
Tax-exempt reserves132-€44k
Distributable reserves133€695k€810k▲
Amounts payable17/49€445k€402k▼
Amounts payable after more than one year17€296k€267k▼
Financial debts170/4€46k€17k▼
Other amounts payable178/9€250k€250k=
Amounts payable within one year42/48€129k€117k▼
Current portion of amounts payable after more than one year42€31k€31k▲
Financial debts43€8k€10k▲
Credit institutions430/8€8k€10k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€22k€27k▲
Taxes450/3€13k€15k▲
Remuneration and social security454/9€8k€11k▲
Other amounts payable47/48€66k€44k▼
Accrued charges and deferred income492/3€20k€18k▼
Income statement
Code20242025
Remuneration, social security and pensions62€25k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€31k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€225k€338k▲
Operating profit (loss)9901€167k€272k▲
Financial income75/76B€7k€1k▼
Recurring financial income75€7k€1k▼
Financial charges65/66B€41k€46k▲
Recurring financial charges65€41k€46k▲
Profit (loss) for the period before taxes9903€133k€227k▲
Income taxes67/77€40k€66k▲
Profit (loss) for the period9904€92k€161k▲
Transfer to tax-exempt reserves689-€44k
Profit (loss) for the period to be appropriated9905€92k€117k▲
Appropriation of the result
Profit (loss) to be appropriated9906€92k€117k▲
Transfer to equity691/2€91k€115k▲
To other reserves6921€91k€115k▲
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €161k ▲74.1%
Operating result €272k, net result €161k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €507k ▲18.7%
3 profitable years in a row build equity to €507k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €40k ▼41.6%
Net result drops to €40k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Pelt · 1 establishment unit since 2002
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.
Heesakkerstraat 313900 PeltGround area
800 m²
Building footprint
191 m²
Volume, LiDAR
1,388 m³
Parcel 72029B0215/00N000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heesakkerstraat 31, 3900 Pelt
since 20022.192.792.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72029B0215/00N000 | Flanders | 800 m² | 1 · 191 m² | 10.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900ZU333QK812C639
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,974. 5,946 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
Founded08-05-2002
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.