Liber Construct
ActiveThe computed 12-month bankruptcy probability of Liber Construct is 1.7% (moderate). The 2024 annual accounts show equity of €183k and a net result of €13k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 36376 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▼-10
Solvency100=
Growth58▲+9
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 5.1 against 7.03 in 2023; short-term debt: 18.8% and cash: 15.3% of total assets), and 18.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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 07-06-2025, 54 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
54 d early
2023
30 d early
2022
36 d early
2021
43 d early
2020
29 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€1.10M▲ 37.8%
2023 · €795k
2020: €740k
2021: €1.11M
2022: €1.05M
2023: €795k
2020 → 2024
EBIT margin
2.1%▼ 2.5pp
2023 · 4.6%
2020: 7.0%
2021: 1.7%
2022: 3.4%
2023: 4.6%
2020 → 2024
Net result
€13k▼ 49.1%
2023 · €25k
2020: €35k
2021: €10k
2022: €21k
2023: €25k
2020 → 2024
Working capital
€174k▲ 10.3%
2023 · €157k
2020: €86k
2021: €102k
2022: €125k
2023: €157k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€740k-€1.11M▲ 50.1%€1.05M▼ 5.8%€795k▼ 24.0%€1.10M▲ 37.8%
Equity€114k-€124k▲ 8.7%€145k▲ 17.2%€170k▲ 17.6%€183k▲ 7.6%
Operating result€52k-€19k▼ 63.2%€36k▲ 88.0%€37k▲ 2.7%€23k▼ 36.6%
Net result€35k-€10k▼ 71.4%€21k▲ 114%€25k▲ 20.1%€13k▼ 49.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 37% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €226k
Fixed assets
€10k▼ 24.6%
Current assets
€216k▲ 17.7%
Equity and liabilities €226k
Equity
€183k▲ 7.6%
Debt
€42k▲ 62.4%
The debt ratio rises from 13.3% to 18.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2023 · €48k
Cash flow
€20k▼
2023 · €37k
Solvency
81.2%▼
2023 · 86.7%
Current ratio
5.10▼
2023 · 7.03
Quick ratio
5.10▼
2023 · 7.03
Debt / equity
0.23▲
2023 · 0.15
ROE
7.1%▼
2023 · 15.0%
ROA
5.8%▼
2023 · 13.0%
Interest coverage
7.08▼
2023 · 14.14
Debt
€42k▲
2023 · €26k
Debt ≤ 1 year
€42k▲
2023 · €26k
Income taxes
€6k▼
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€196k€226k▲
Fixed assets21/28€13k€10k▼
Tangible fixed assets22/27€12k€9k▼
Plant, machinery and equipment23€1k€4k▲
Furniture and vehicles24€11k€5k▼
Financial fixed assets28€950€950=
Current assets29/58€184k€216k▲
Amounts receivable within one year40/41€138k€168k▲
Trade receivables40€98k€124k▲
Other amounts receivable41€40k€45k▲
Cash at bank and in hand54/58€42k€35k▼
Deferred charges and accrued income490/1€3k€13k▲
Equity and liabilities
Total equity and liabilities10/49€196k€226k▲
Equity10/15€170k€183k▲
Contributions10/11€2k€2k=
Reserves13€200€200=
Non-distributable reserves130/1€200€200=
Reserves not available under the articles1311€200€200=
Profit (loss) carried forward14€168k€181k▲
Amounts payable17/49€26k€42k▲
Amounts payable within one year42/48€26k€42k▲
Current portion of amounts payable after more than one year42€9k€9k=
Trade debts44€17k€29k▲
Suppliers440/4€17k€29k▲
Taxes, remuneration and social security45-€4k
Remuneration and social security454/9-€4k
Income statement
Code20232024
Turnover70€795k€1.10M▲
Non-recurring operating income76A€18k€6k▼
Goods, raw materials, services and sundry goods60/61€761k€1.07M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€7k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€52k€35k▼
Operating profit (loss)9901€37k€23k▼
Financial income75/76B€90€1▼
Recurring financial income75€90€1▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€33k€19k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€25k€13k▼
Profit (loss) for the period to be appropriated9905€25k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€168k€181k▲
Profit (loss) brought forward from the previous period14P€143k€168k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €170k ▲17.6%
4 profitable years in a row build equity to €170k.
25-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €10k ▼71.4%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Anderlecht · 1 establishment unit since 2013
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.
J. Bapt. François Denysstraat 271070 Anderlecht1 establishment unit
Liber Construct
since 20132.218.488.681
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Of 4,011 companies in sector 43310 we hold annual accounts for 1,745. 1,397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2013
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
43343Specialised construction activities
43410Roofing work
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filings
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:liberconstuct@gmail.com