FRANCOIS TIBO

Active Risk: not assessed

Private limited companyfounded 2002active for 24 yearsChaussée Verte 93 C, 4470 Saint-Georges-sur-Meuse, BelgiumKBO/BCE: BE 0476.768.163

Summary

FRANCOIS TIBO 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 €87,102 and a net result of €76,634. Equity is shrinking by about 9.2% per year across the filed financial years. Its solvency ranks better than 63% of 3,005 sector peers (NACE 66, financial year 2025). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.

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FRANCOIS TIBOActive

Risk analysis Report Compare

Activity

Insurance agents and brokers

NACE 66220

1 site

Size

€137,563total assets 2025

Equity: €87,102
Profit: €76,634

Turnover not published (micro format)

Financial health

Financial institution: outside the modelBankruptcy probability: sector outside the model

Structure

Accounts filed 28 days late0 of 3 deeds read

Signalslowers riskGrowing equityneutralFiled after the deadlineShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked 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.

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

Two signals.

lowers riskneutral

Growing equity

Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

18192021222325

2018 to 2025 · latest year €87,102

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

28 days late

2023

30 days late

2022

30 days late

2021

29 days late

2020

27 days late

2019

24 days late

2018

31 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 28 days after the deadline; the sector median (NACE 66) for financial year 2023 is 5 days before the deadline, and 40% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

18-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage