Elibre 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 €189k and a net result of €-20k. Equity is shrinking by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 45% of 7994 sector peers (fiscal year 2025). The company has been active since 2004 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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
56 d early
2023
33 d early
2022
52 d early
2021
54 d early
2020
46 d early
2019
31 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€189k▼ 54.8%
2024 · €419k
2018: €558k
2019: €513k
2020: €501k
2021: €415k
2022: €392k
2023: €349k
2024: €419k
2018 → 2025
Net result
€-20k
2024 · €124k
2018: €120k
2019: €55k
2020: €88k
2021: €56k
2022: €66k
2023: €85k
2024: €124k
2018 → 2025
Total assets
€422k▼ 16.0%
2024 · €502k
2018: €572k
2019: €623k
2020: €619k
2021: €573k
2022: €502k
2023: €503k
2024: €502k
2018 → 2025
Solvency
44.9%▼ 38.5pp
2024 · 83.4%
2018: 97.6%
2019: 82.3%
2020: 80.9%
2021: 72.5%
2022: 78.0%
2023: 69.4%
2024: 83.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€415k-€392k▼ 5.7%€349k▼ 11.0%€419k▲ 20.0%€189k▼ 54.8%
Operating result€78k-€92k▲ 17.7%€117k▲ 27.9%€181k▲ 54.5%€-34k
Net result€56k-€66k▲ 17.9%€85k▲ 28.1%€124k▲ 45.6%€-20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €34k after €181k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €422k
Equity
€189k▼ 54.8%
Debt
€232k▲ 179%
The debt ratio rises from 16.6% to 55.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
44.9%▼
2024 · 83.4%
ROE
-10.3%▼
2024 · 29.6%
ROA
-4.6%▼
2024 · 24.7%
Debt
€232k▲
2024 · €83k
Debt ≤ 1 year
€232k▲
2024 · €83k
Income taxes
€385▼
2024 · €59k
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€502k€422k▼
Current assets29/58€502k€422k▼
Amounts receivable within one year40/41€31k€25k▼
Trade receivables40€31k€22k▼
Other amounts receivable41-€3k
Current investments50/53€443k€386k▼
Cash at bank and in hand54/58€28k€10k▼
Deferred charges and accrued income490/1€958€838▼
Equity and liabilities
Total equity and liabilities10/49€502k€422k▼
Equity10/15€419k€189k▼
Reserves13€419k€209k▼
Distributable reserves133€419k€209k▼
Profit (loss) carried forward14€0€-20k▼
Amounts payable17/49€83k€232k▲
Amounts payable within one year42/48€83k€232k▲
Financial debts43€34€14▼
Other loans439€34€14▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€21k€17k▼
Taxes450/3€21k€17k▼
Other amounts payable47/48€58k€214k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€182k€-32k▼
Operating profit (loss)9901€181k€-34k▼
Financial income75/76B€2k€15k▲
Recurring financial income75€2k€15k▲
Financial charges65/66B€319€383▲
Recurring financial charges65€319€383▲
Profit (loss) for the period before taxes9903€183k€-19k▼
Income taxes67/77€59k€385▼
Profit (loss) for the period9904€124k€-20k▼
Profit (loss) for the period to be appropriated9905€124k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€124k€-20k▼
Transfer from equity791/2€54k€210k▲
Transfer to equity691/2€124k€0▼
To other reserves6921€124k€0▼
Profit to be distributed694/7€54k€210k▲
Return on contributions (dividend)694€54k€210k▲
The notes to these accounts (2 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-20k ▼116%
Net result drops to €-20k, the lowest in the series.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €124k ▲45.6%
Operating result €181k, net result €124k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
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
1 act for this company is 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, Zoersel · 1 establishment unit since 2004
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.
Kanunnik Ullenslaan 122980 ZoerselGround area
987 m²
Building footprint
135 m²
Parcel 11017B0017/00W000, Flanders. Linked by address, not a title deed.
1 establishment unit
Elibre
since 20042.142.412.967
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017B0017/00W000 | Flanders | 987 m² | 1 · 135 m² | - |
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
69940020PNMUCIXCXU12
Similar companies · same sector, comparable size
HET BATIMENT
BE 0759.826.437
Veurne · Eq €189k
Evert Lissens
BE 0678.676.633
Boutersem · Eq €189k
BRS Management
BE 0458.068.048
Schoten · Eq €189k
SALVEX
BE 0887.606.022
Pelt · Eq €189k
CAR-PARTS-SHOP
BE 0426.493.261
Hasselt · Eq €189k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,497 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2004
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:elibre@versateladsl.be
Phone:0474/977298