FIBERAL
ActiveFIBERAL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €519k and a net result of €217k. Equity is shrinking by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 37% of 8994 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency12▼-2
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.17 against 0.06 in 2024), and 81.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
18.3%
Return on assets
7.7%
Age of the figures
14 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €519k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
7 d early
2023
16 d early
2022
on the day
2021
40 d early
2020
4 d early
2019
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close09-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€519k▲ 71.8%
2024 · €302k
2019: €538k
2020: €547k
2021: €556k
2022: €385k
2023: €362k
2024: €302k
2019 → 2025
Total assets
€2.83M▲ 89.8%
2024 · €1.49M
2019: €757k
2020: €730k
2021: €687k
2022: €738k
2023: €694k
2024: €1.49M
2019 → 2025
Net result
€217k
2024 · €-4k
2019: €9k
2020: €9k
2021: €9k
2022: €136k
2023: €-23k
2024: €-4k
2019 → 2025
Working capital
€-1.81M▼ 79.2%
2024 · €-1.01M
2019: €197k
2020: €188k
2021: €180k
2022: €-7k
2023: €-36k
2024: €-1.01M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€556k-€385k▼ 30.7%€362k▼ 5.9%€302k▼ 16.6%€519k▲ 71.8%
Operating result€12k-€7k▼ 43.7%€-19k€30k€298k▲ 907%
Net result€9k-€136k▲ 1,425%€-23k€-4k▲ 81.5%€217k
Turnover and EBIT margin not published: the abbreviated 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 907% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.83M
Fixed assets
€2.47M▲ 73.2%
Current assets
€362k▲ 450%
Equity and liabilities €2.83M
Equity
€519k▲ 71.8%
Debt
€2.31M▲ 94.4%
The debt ratio rises from 79.7% to 81.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€370k▲
2024 · €51k
Cash flow
€289k▲
2024 · €17k
Solvency
18.3%▼
2024 · 20.3%
Current ratio
0.17▲
2024 · 0.06
Quick ratio
0.17▲
2024 · 0.06
Debt / equity
4.45▲
2024 · 3.93
ROE
41.8%▲
2024 · -1.4%
ROA
7.7%▲
2024 · -0.3%
Interest coverage
4.85▲
2024 · 1.50
Debt
€2.31M▲
2024 · €1.19M
Debt ≤ 1 year
€2.17M▲
2024 · €1.08M
Income taxes
€5k
Staff costs
€0▼
2024 · €453
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€1.49M€2.83M▲
Fixed assets21/28€1.43M€2.47M▲
Tangible fixed assets22/27€1.17M€2.21M▲
Land and buildings22€1.17M€2.21M▲
Financial fixed assets28€257k€257k=
Current assets29/58€66k€362k▲
Amounts receivable within one year40/41€2k€1k▼
Other amounts receivable41€2k€1k▼
Cash at bank and in hand54/58€62k€361k▲
Deferred charges and accrued income490/1€2k€202▼
Equity and liabilities
Total equity and liabilities10/49€1.49M€2.83M▲
Equity10/15€302k€519k▲
Contributions10/11€39k€39k=
Revaluation surpluses12€97k€97k=
Reserves13€165k€383k▲
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€160k€377k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€1.19M€2.31M▲
Amounts payable within one year42/48€1.08M€2.17M▲
Trade debts44€140k€191k▲
Suppliers440/4€140k€191k▲
Taxes, remuneration and social security45-€57k
Taxes450/3-€57k
Other amounts payable47/48€937k€1.93M▲
Accrued charges and deferred income492/3€112k€137k▲
Income statement
Code20242025
Remuneration, social security and pensions62€453€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€72k▲
Other operating charges640/8€115€427▲
Gross operating margin9900€51k€370k▲
Operating profit (loss)9901€30k€298k▲
Financial charges65/66B€34k€76k▲
Recurring financial charges65€34k€76k▲
Profit (loss) for the period before taxes9903€-4k€222k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-4k€217k▲
Profit (loss) for the period to be appropriated9905€-4k€217k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€217k▲
Transfer from equity791/2€60k€0▼
Transfer to equity691/2-€217k
To other reserves6921-€217k
Profit to be distributed694/7€56k€0▼
Return on contributions (dividend)694€56k€0▼
The notes to these accounts (7 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €217k
Net result €217k after 2 loss-making years.
30-06
Financial
Equity above €500kEq €519k ▲71.8%
Equity rises from €302k to €519k.
24-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-23k ▼117%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Liquidity times 16current ratio 97.35
Current ratio from 6.12 to 97.35; short-term debt falls from €37k to €2k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
18-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
no sitting director, last change in 2018
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
09-05-2018
Resigned as Manager
Not every act has been read: a resignation may be missing here
3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Kuurne · 1 establishment unit since 1990
Ground area
7,786 m²
Building footprint
2,259 m²
Volume, LiDAR
20,495 m³
Parcel 34023A0446/00H000, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FIBERAL BVBA
since 19902.049.742.335
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023A0446/00H000 | Flanders | 7,785 m² | 1 · 2,259 m² | 10.5 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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ALTERNATIVE
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IMMOBILIEN SCHORKOPS
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Zakenkantoor Slegers
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RIJ WIJS
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Of 9,091 companies in sector 68201 we hold annual accounts for 6,722. 4,992 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-1990
Fiscal year end30-06
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.