Summary
FIBRE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €428k and a net result of €-43k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 773 sector peers (fiscal year 2024). The company has been active since 2006 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
37 d early
2022
17 d early
2021
25 d early
2020
25 d early
2019
19 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date Which other companies resemble this one?Lookalike companies
Financials · fiscal year 2024, full schema
Equity
€428k▼ 17.7%
2023 · €520k
Net result
€-43k
2023 · €123k
Total assets
€693k▼ 1.6%
2023 · €705k
Solvency
61.7%▼ 12.0pp
2023 · 73.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€88k▼ 16.7%€121k▲ 38.6%€89k▼ 26.3%€-84k€-28k▲ 67.2%
Net result€90k▲ 39.0%€160k▲ 77.1%€149k▼ 6.9%€123k▼ 17.4%€-43k
Equity€205k▲ 78.7%€365k▲ 78.0%€421k▲ 15.1%€520k▲ 23.6%€428k▼ 17.7%
Total assets€585k▼ 2.9%€705k▲ 20.5%€736k▲ 4.4%€705k▼ 4.2%€693k▼ 1.6%
Debt€380k▼ 22.2%€339k▼ 10.7%€315k▼ 7.2%€185k▼ 41.3%€265k▲ 43.5%
Working capital€-140k▲ 42.4%€45k€116k▲ 157%€299k▲ 158%€205k▼ 31.4%
Solvency35.1%▲ 16.0pp51.9%▲ 16.8pp57.2%▲ 5.3pp73.8%▲ 16.6pp61.7%▼ 12.0pp
Staff (FTE)2.9▲ 20.8%3▲ 3.4%3.5▲ 16.7%2.9▼ 17.1%3.5▲ 20.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2024 against €84k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €693k
Fixed assets
€344k ▲ 55.7%
Current assets
€349k ▼ 27.9%
Equity and liabilities €693k
Equity
€428k ▼ 17.7%
Debt
€265k ▲ 43.5%
Debt's share of the balance-sheet total rises from 26.2% to 38.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-10.1%▼
2023 · 23.7%
ROA
-6.2%▼
2023 · 17.5%
Debt ≤ 1 year
€144k▼
2023 · €185k
Debt > 1 year
€121k
Income taxes
€3k▼
2023 · €15k
Staff costs
€222k▲
2023 · €173k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €42k | - | - | - | - |
| Remuneration, social security and pensions62 | - | €135k | €121k | €173k | €222k | ▲ 28.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €66k | €66k | €65k | €64k | €93k | ▲ 44.4% |
| Other operating charges640/8 | - | €19k | €9k | €20k | €15k | ▼ 25.3% |
| Gross operating margin9900 | €288k | €342k | €284k | €173k | €303k | ▲ 74.7% |
| Operating profit (loss)9901 | €88k | €121k | €89k | €-84k | €-28k | ▲ 67.2% |
| Financial income75/76B | - | €86k | €93k | €358k | €96k | ▼ 73.1% |
| Recurring financial income75 | €60k | €86k | €93k | €91k | €96k | ▲ 5.4% |
| Non-recurring financial income76B | - | - | - | €266k | - | - |
| Financial charges65/66B | - | €10k | €3k | €136k | €108k | ▼ 20.0% |
| Recurring financial charges65 | €9k | €10k | €3k | €136k | €108k | ▼ 20.0% |
| Profit (loss) for the period before taxes9903 | €138k | €198k | €180k | €138k | €-40k | ▼ 129% |
| Income taxes67/77 | €48k | €37k | €31k | €15k | €3k | ▼ 78.1% |
| Profit (loss) for the period9904 | €90k | €160k | €149k | €123k | €-43k | ▼ 135% |
| Profit (loss) for the period to be appropriated9905 | €137k | €160k | €149k | €123k | €-43k | ▼ 135% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €585k | €705k | €736k | €705k | €693k | ▼ 1.6% |
| Fixed assets21/28 | €404k | €344k | €306k | €221k | €344k | ▲ 55.7% |
| Intangible fixed assets21 | €204k | €174k | €145k | €116k | €87k | ▼ 25.0% |
| Tangible fixed assets22/27 | €191k | €163k | €127k | €105k | €257k | ▲ 145% |
| Land and buildings22 | - | €113k | €91k | €69k | €52k | ▼ 24.1% |
| Plant, machinery and equipment23 | - | €8k | €6k | €5k | €3k | ▼ 26.9% |
| Furniture and vehicles24 | - | €5k | €4k | €14k | €179k | ▲ 1,197% |
| Other tangible fixed assets26 | - | €37k | €27k | €17k | €23k | ▲ 36.1% |
| Assets under construction and advance payments27 | - | - | - | €1k | - | - |
| Financial fixed assets28 | €9k | €7k | €34k | - | - | - |
| Current assets29/58 | €181k | €361k | €429k | €484k | €349k | ▼ 27.9% |
| Amounts receivable after more than one year29 | - | €36k | €30k | - | - | - |
| Trade receivables290 | - | €36k | €30k | - | - | - |
| Amounts receivable within one year40/41 | €178k | €241k | €75k | €345k | €87k | ▼ 74.6% |
| Trade receivables40 | - | €47k | €41k | €339k | €42k | ▼ 87.5% |
| Other amounts receivable41 | - | €194k | €34k | €6k | €45k | ▲ 690% |
| Current investments50/53 | - | €29k | €80k | €5k | €110k | ▲ 2,103% |
| Cash at bank and in hand54/58 | €863 | €52k | €241k | €128k | €141k | ▲ 10.1% |
| Deferred charges and accrued income490/1 | - | €3k | €4k | €5k | €10k | ▲ 84.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €585k | €705k | €736k | €705k | €693k | ▼ 1.6% |
| Equity10/15 | €205k | €365k | €421k | €520k | €428k | ▼ 17.7% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €186k | €347k | €402k | €501k | €452k | ▼ 9.8% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €345k | €400k | €501k | €452k | ▼ 9.8% |
| Profit (loss) carried forward14 | €364 | €364 | €364 | - | €-43k | - |
| Amounts payable17/49 | €380k | €339k | €315k | €185k | €265k | ▲ 43.5% |
| Amounts payable after more than one year17 | €58k | €24k | - | - | €121k | - |
| Financial debts170/4 | - | €24k | - | - | €121k | - |
| Amounts payable within one year42/48 | €321k | €315k | €313k | €185k | €144k | ▼ 22.2% |
| Current portion of amounts payable after more than one year42 | - | €32k | €24k | - | €32k | - |
| Financial debts43 | - | €47k | €8k | - | - | - |
| Other loans439 | - | €47k | €8k | - | - | - |
| Trade debts44 | €10k | €19k | €12k | €11k | €3k | ▼ 73.8% |
| Suppliers440/4 | - | €19k | €12k | €11k | €3k | ▼ 73.8% |
| Taxes, remuneration and social security45 | - | €94k | €55k | €51k | €59k | ▲ 16.3% |
| Taxes450/3 | - | €66k | €30k | €11k | €13k | ▲ 14.6% |
| Remuneration and social security454/9 | - | €29k | €25k | €39k | €46k | ▲ 16.7% |
| Other amounts payable47/48 | - | €123k | €213k | €124k | €50k | ▼ 59.7% |
| Accrued charges and deferred income492/3 | - | - | €1k | - | €305 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €90k | €160k | €149k | €123k | €-43k | ▼ 135% |
| + Depreciation and write-downs630 | €66k | €66k | €65k | €64k | €93k | ▲ 44.4% |
| Operating cash flow (approximation) | €157k | €226k | €214k | €187k | €50k | ▼ 73.4% |
| Investment in fixed assets (approximation) | - | €-6k | €-27k | €21k | €-216k | ▼ 1,148% |
| Change in cash | - | €51k | €189k | €-112k | €13k | ▲ 112% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-43k
Net result drops to €-43k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €500kEq €520k ▲23.6%
6 profitable years in a row build equity to €520k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €160k ▲77.1%
Net result €160k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.14
Current ratio from 0.56 to 1.14; short-term debt falls from €321k to €315k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €200kEq €205k ▲78.7%
3 profitable years in a row build equity to €205k.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
31-12
Financial
Equity above €100kEq €115k ▲130%
2 profitable years in a row build equity to €115k.
Show earlier events
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Verviers · 1 establishment unit since 2006
Ground area
78 m²
Building footprint
63 m²
Parcel 63036A0295/00C000, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
FIBRE
since 20062.151.334.987
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0295/00C000 | Wallonia | 78 m² | 1 · 63 m² | - |
Linked by address, not proof of ownership
Good to know
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
254900NREJA9HY8M9S56
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,033 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Contact
E-mail
fibre@fintro.be
E-mail
fibre.assurances@gmail.comVerviers
Phone
087/33.49.49Verviers
Fax
087/33.26.22Verviers
Scores and ratios are computed by Checked and are not a credit decision.