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LIB

Active
Private limited companyfounded 2021active for 5 yearsRue du Commerce 99, 5590 Ciney, BelgiumKBO/BCE: BE 0772.879.370
Summary

LIB has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,013 and a net result of €107,912. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 8,530 sector peers (NACE 73, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Overview

Activity
Public relations and communication consultancy
NACE 73300
1 site
Size
€163,013total assets 2025
Equity
€8,013
Profit
€107,912
Turnover not published (micro format)
Financial health
65 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.1%
Structure
Accounts 31 days early0 of 1 deed read
Why 65raises riskFounded in 2021Equity €8,013 (4.9% of total assets)1 of the last 3 latelowers riskSector: Advertising, market research and public relations activities (NACE 73)Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 34% of its sector peers (NACE 73, micro)
Financial strength · tick = 2024
Average
Solvency 30+1
equity 4.9% of total assets
Liquidity 14-36
short-term debt 95.1% · cash 11.4%
Profitability 100=
return on assets 66.2%
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,206 companies, NACE 73, micro)
Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 0.7%▼ -0.1 percentage points vs 12-2024 02-2025: 0.7%● unchanged vs 01-2025 03-2025: 0.7%● unchanged vs 02-2025 04-2025: 0.8%▲ +0.1 percentage points vs 03-2025 05-2025: 0.7%▼ -0.1 percentage points vs 04-2025 06-2025: 0.6%▼ -0.1 percentage points vs 05-2025 07-2025: 0.7%▲ +0.1 percentage points vs 06-2025 08-2025: 1.1%▲ +0.4 percentage points vs 07-2025highest value 09-2025: 0.4%▼ -0.7 percentage points vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.5%▲ +0.1 percentage points vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.4%▼ -0.1 percentage points vs 06-2026lowest value 08-2026: 0.6%▲ +0.2 percentage points vs 07-2026 09-2026: 0.8%▲ +0.2 percentage points vs 08-2026 10-2026: 1.1%▲ +0.3 percentage points vs 09-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.93, compared with 0.89 in 2024, below 1; short-term debt: 95.1% and cash: 11.4% of total assets), and 95.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro): better than 16% on solvency, 9% on liquidity, 88% on profitability and 24% on growth.

The bankruptcy probability was computed on 21-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Advertising, market research and public relations activities (NACE 73)
KBO
raises risk · Founded in 2021
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Equity €8,013 (4.9% of total assets)
NBB · annual accounts
raises risk · 1 of the last 3 late
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 8530 sector peers (2025).
NBB · sector comparison
Position among 8530 sector peers
Solvency
better than 15%
← weakest strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
31 days early
2024
29 days late
2023
31 days late
2022
51 days late
2021
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 22 days after the deadline; the sector median (NACE 73) for financial year 2024 is 6 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · 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 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
22-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Highest result from 2021 to 2025net €144,950 ▲16%

Financials · financial year 2025, micro format

Equity
€8,013▼ 20.7%
2024 · €10,101
Total assets
€163,013▼ 41.0%
2024 · €276,176
Net result
€107,912▼ 25.6%
2024 · €144,950
Working capital
-€11,030▲ 62.1%
2024 · -€29,140
Trend over the years

2021 to 2025, 5 financial years

The operating result falls in 2025; 2025 is 30% below 2024.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€133,669 2025 Net result€107,912 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 73, Advertising, market research and public relations activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20212022202320242025
Operating result€18,507-€154,799▲ 736%€157,241▲ 1.6%€189,649▲ 20.6%€133,669▼ 29.5%
Net result€13,479within the sector's middle half-€119,936above the sector's middle half▲ 790%€124,941above the sector's middle half▲ 4.2%€144,950above the sector's middle half▲ 16.0%€107,912above the sector's middle half▼ 25.6%
Equity€19,479within the sector's middle half-€140,210within the sector's middle half▲ 620%€65,151within the sector's middle half▼ 53.5%€10,101below the sector's middle half▼ 84.5%€8,013below the sector's middle half▼ 20.7%
Total assets€84,309within the sector's middle half-€162,894within the sector's middle half▲ 93.2%€307,986within the sector's middle half▲ 89.1%€276,176within the sector's middle half▼ 10.3%€163,013within the sector's middle half▼ 41.0%
Debt€64,830-€22,683▼ 65.0%€242,835▲ 971%€266,075▲ 9.6%€155,001▼ 41.7%
Working capital-€3,451below the sector's middle half-€125,509above the sector's middle half€5,712within the sector's middle half▼ 95.4%-€29,140below the sector's middle half-€11,030below the sector's middle half▲ 62.1%
Solvency23.1%within the sector's middle half-86.1%above the sector's middle half▲ 63.0pp21.2%below the sector's middle half▼ 64.9pp3.7%below the sector's middle half▼ 17.5pp4.9%below the sector's middle half▲ 1.3pp
Current ratio0.95below the sector's middle half-6.53above the sector's middle half▲ 5.591.02below the sector's middle half▼ 5.510.89below the sector's middle half▼ 0.130.93below the sector's middle half▲ 0.04
Return on assets (ROA)16.0%within the sector's middle half-73.6%above the sector's middle half▲ 57.6pp40.6%above the sector's middle half▼ 33.1pp52.5%above the sector's middle half▲ 11.9pp66.2%above the sector's middle half▲ 13.7pp
above within below the middle half of NACE 73, Advertising, market research and public relations activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163,013
Fixed assets €19,042 ▼ 51.5%
Current assets €143,971 ▼ 39.2%
Equity and liabilities €163,013
Equity €8,013 ▼ 20.7%
Debt €155,001 ▼ 41.7%
Debt's share of the balance-sheet total falls from 96.3% to 95.1%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€153,868▼
2024 · €209,847
Cash flow
€128,110▼
2024 · €165,148
Debt to equity
19.34▼
2024 · 26.34
Interest coverage
over 100
2024 · over 100
Debt ≤ 1 year
€155,001▼
2024 · €266,075
Income taxes
€28,445▼
2024 · €44,526
A ratio outside any meaningful range has been withheld (balance sheet total €163,013, equity €8,013).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,153 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96.1% are still going.

  • Micro
  • 5 to 10 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
1.7% went bankrupt
2.2% stopped otherwise
96.1% still going

For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,153 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€276,176€163,013▼
Fixed assets21/28€39,241€19,042▼
Tangible fixed assets22/27€39,241€19,042▼
Furniture and vehicles24€39,241€19,042▼
Current assets29/58€236,935€143,971▼
Amounts receivable within one year40/41€95,706€120,255▲
Trade receivables40€43,555€37,661▼
Other amounts receivable41€52,150€82,594▲
Cash at bank and in hand54/58€132,828€18,662▼
Deferred charges and accrued income490/1€8,401€5,054▼
Equity and liabilities
Total equity and liabilities10/49€276,176€163,013▼
Equity10/15€10,101€8,013▼
Contributions10/11€6,000€6,000=
Profit (loss) carried forward14€4,101€2,013▼
Amounts payable17/49€266,075€155,001▼
Amounts payable within one year42/48€266,075€155,001▼
Current portion of amounts payable after more than one year42-€17,609
Trade debts44€7,987€5,367▼
Suppliers440/4€7,987€5,367▼
Taxes, remuneration and social security45€58,087€22,024▼
Taxes450/3€58,087€22,024▼
Other amounts payable47/48€200,000€110,000▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,198€20,198=
Other operating charges640/8€503€590▲
Gross operating margin9900€210,351€154,458▼
Operating profit (loss)9901€189,649€133,669▼
Financial income75/76B€1€3,269▲
Recurring financial income75€1€3,269▲
Financial charges65/66B€174€581▲
Recurring financial charges65€174€581▲
Profit (loss) for the period before taxes9903€189,476€136,357▼
Income taxes67/77€44,526€28,445▼
Profit (loss) for the period9904€144,950€107,912▼
Profit (loss) for the period to be appropriated9905€144,950€107,912▼
Appropriation of the result
Profit (loss) to be appropriated9906€204,101€112,013▼
Profit (loss) brought forward from the previous period14P€59,151€4,101▼
Profit to be distributed694/7€200,000€110,000▼
Return on contributions (dividend)694€200,000€110,000▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,758€8,229€1,162€20,198€20,198=
Other operating charges640/8€50€333€1,107€503€590▲ 17.2%
Gross operating margin9900€20,316€163,361€159,510€210,351€154,458▼ 26.6%
Operating profit (loss)9901€18,507€154,799€157,241€189,649€133,669▼ 29.5%
Financial income75/76B-€39€3,937€1€3,269▲ 317,263%
Recurring financial income75-€39€3,937€1€3,269▲ 317,263%
Financial charges65/66B€28€82€83€174€581▲ 234%
Recurring financial charges65€28€82€83€174€581▲ 234%
Profit (loss) for the period before taxes9903€18,479€154,756€161,095€189,476€136,357▼ 28.0%
Income taxes67/77€5,000€34,820€36,154€44,526€28,445▼ 36.1%
Profit (loss) for the period9904€13,479€119,936€124,941€144,950€107,912▼ 25.6%
Profit (loss) for the period to be appropriated9905€13,479€119,936€124,941€144,950€107,912▼ 25.6%
Line20212022202320242025Change
Assets
Total assets20/58€84,309€162,894€307,986€276,176€163,013▼ 41.0%
Fixed assets21/28€22,930€14,702€59,439€39,241€19,042▼ 51.5%
Tangible fixed assets22/27€22,930€14,702€59,439€39,241€19,042▼ 51.5%
Furniture and vehicles24€22,930€14,702€59,439€39,241€19,042▼ 51.5%
Current assets29/58€61,379€148,192€248,547€236,935€143,971▼ 39.2%
Amounts receivable within one year40/41€35,411€23,600€197,012€95,706€120,255▲ 25.7%
Trade receivables40€18,641€22,468€34,597€43,555€37,661▼ 13.5%
Other amounts receivable41€16,769€1,132€162,415€52,150€82,594▲ 58.4%
Cash at bank and in hand54/58€24,369€124,592€45,949€132,828€18,662▼ 86.0%
Deferred charges and accrued income490/1€1,600-€5,586€8,401€5,054▼ 39.8%
Equity and liabilities
Total equity and liabilities10/49€84,309€162,894€307,986€276,176€163,013▼ 41.0%
Equity10/15€19,479€140,210€65,151€10,101€8,013▼ 20.7%
Contributions10/11€6,000€6,000€6,000€6,000€6,000=
Profit (loss) carried forward14€13,479€134,210€59,151€4,101€2,013▼ 50.9%
Amounts payable17/49€64,830€22,683€242,835€266,075€155,001▼ 41.7%
Amounts payable within one year42/48€64,830€22,683€242,835€266,075€155,001▼ 41.7%
Current portion of amounts payable after more than one year42----€17,609-
Trade debts44€43,970€4,648€3,222€7,987€5,367▼ 32.8%
Suppliers440/4€43,970€4,648€3,222€7,987€5,367▼ 32.8%
Taxes, remuneration and social security45€2,400€567€39,613€58,087€22,024▼ 62.1%
Taxes450/3€2,400€567€39,613€58,087€22,024▼ 62.1%
Other amounts payable47/48€18,460€17,469€200,000€200,000€110,000▼ 45.0%
Line20212022202320242025Change
Profit (loss) for the period9904€13,479€119,936€124,941€144,950€107,912▼ 25.6%
+ Depreciation and write-downs630€1,758€8,229€1,162€20,198€20,198=
Operating cash flow (approximation)€15,238€128,165€126,103€165,148€128,110▼ 22.4%
Investment in fixed assets (approximation)-€0-€45,899-€0€0-
Change in cash-€100,223-€78,643€86,879-€114,166-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (5)
Financial year Type Filed Reference
31-12-2025 micro format 30-06-2026 2026-00226316
31-12-2024 micro format 29-08-2025 2025-00444065
31-12-2023 micro format 31-08-2024 2024-00434443
31-12-2022 micro format 20-09-2023 2023-00453439
31-12-2021 micro format 31-08-2022 2022-20376427

Similar companies · same sector, comparable size

Of the 13,243 active companies whose main activity is public relations and communication consultancy (NACE 73300), figures are known for 6,990. 3,428 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 26 August 2021, LIB was incorporated as a private limited company.1 Total assets went from €84,309 in 2021 to €163,013 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2021 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
30-06
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
29-08
NBB filing Annual accounts filed
financial year 2024 · micro format · 29 days late
2024
31-12
Financial Highest result from 2021 to 2025net €144,950 ▲16%
Operating result €189,649, net result €144,950, both a record.
31-08
NBB filing Annual accounts filed
financial year 2023 · micro format · 31 days late
2023
20-09
NBB filing Annual accounts filed
financial year 2022 · micro format · 51 days late
2022
31-12
Financial Liquidity more than 6 timescurrent ratio 6.53
Current ratio from 0.95 to 6.53; short-term debt falls from €64,830 to €22,683.
31-12
Financial Equity above €100,000equity €140,210 ▲620%
A profit in every financial year since 2021 builds equity to €140,210.
31-08
NBB filing Annual accounts filed
financial year 2021 · micro format · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded26-08-2021
Financial year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
62200Computer consultancy and computer facilities management
64210Activities of holding companies
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Contact
E-mail lib.srl.2021@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:0772879370
Registered 13-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 22 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Ciney · 1 establishment unit since 2021
registered office establishment The establishment unit on the map
Ground area
345 m²
Building footprint
133 m²
Parcel 91030D0006/00C006, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Commerce 99, 5590 Ciney
Public relations and communication consultancy
since 2021unit no. 2.322.551.271
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
91030D0006/00C006 Wallonia 345 m² 1 · 133 m² -
How the parcels are linked
Good to know
The parcel matches the address exactly.