Summary
LIBERCO 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 €1.1m and a net result of €311,045. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 5593 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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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 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
31 d early
2023
37 d early
2022
17 d early
2021
16 d early
2020
12 d early
2019
14 d early
← 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 20 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 14 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.1m▲ 38.3%
2024 · €785,758
Net result
€311,045▲ 154%
2024 · €122,586
Total assets
€1.7m▼ 1.1%
2024 · €1.7m
Solvency
65.4%▲ 18.6pp
2024 · 46.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€181,603▲ 132%€187,732▲ 3.4%€196,836▲ 4.8%€170,067▼ 13.6%€152,664▼ 10.2%
Net result€126,617above the sector's middle half▲ 363%€136,251above the sector's middle half▲ 7.6%€142,930within the sector's middle half▲ 4.9%€122,586within the sector's middle half▼ 14.2%€311,045above the sector's middle half▲ 154%
Equity€413,991above the sector's middle half▲ 39.2%€540,242above the sector's middle half▲ 30.5%€673,172within the sector's middle half▲ 24.6%€785,758within the sector's middle half▲ 16.7%€1.1mwithin the sector's middle half▲ 38.3%
Total assets€1.7mabove the sector's middle half▲ 0.3%€1.7mabove the sector's middle half▼ 0.6%€1.7mwithin the sector's middle half▲ 0.5%€1.7mwithin the sector's middle half▼ 0.2%€1.7mwithin the sector's middle half▼ 1.1%
Debt€1.3m▼ 8.1%€1.1m▼ 10.7%€1.0m▼ 10.9%€894,954▼ 11.5%€575,501▼ 35.7%
Working capital-€149,845below the sector's middle half▼ 10.8%-€170,501below the sector's middle half▼ 13.8%-€149,392within the sector's middle half▲ 12.4%-€114,699within the sector's middle half▲ 23.2%-€39,478within the sector's middle half▲ 65.6%
Solvency24.6%within the sector's middle half▲ 6.9pp32.2%within the sector's middle half▲ 7.7pp40.0%within the sector's middle half▲ 7.7pp46.8%within the sector's middle half▲ 6.8pp65.4%within the sector's middle half▲ 18.6pp
Current ratio0.25below the sector's middle half▲ 0.010.20below the sector's middle half▼ 0.050.26below the sector's middle half▲ 0.060.21below the sector's middle half▼ 0.040.25below the sector's middle half▲ 0.04
Return on assets (ROA)7.5%within the sector's middle half▲ 5.9pp8.1%within the sector's middle half▲ 0.6pp8.5%within the sector's middle half▲ 0.4pp7.3%within the sector's middle half▼ 1.2pp18.7%above the sector's middle half▲ 11.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.6m =
Current assets
€13,298 ▼ 57.6%
Equity and liabilities €1.7m
Equity
€1.1m ▲ 38.3%
Debt
€575,501 ▼ 35.7%
Debt's share of the balance-sheet total falls from 53.2% to 34.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
28.6%▲
2024 · 15.6%
Debt ≤ 1 year
€52,776▼
2024 · €146,057
Debt > 1 year
€521,841▼
2024 · €748,505
Income taxes
€35,205▼
2024 · €38,121
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,411 | €2,411 | €1,315 | €348 | €348 | = |
| Other operating charges640/8 | €1,075 | €1,128 | €1,238 | €1,259 | €1,297 | ▲ 3.0% |
| Gross operating margin9900 | €185,090 | €191,272 | €199,389 | €171,674 | €154,309 | ▼ 10.1% |
| Operating profit (loss)9901 | €181,603 | €187,732 | €196,836 | €170,067 | €152,664 | ▼ 10.2% |
| Financial income75/76B | €126 | €32 | - | - | €200,000 | - |
| Recurring financial income75 | €126 | €32 | - | - | €200,000 | - |
| Non-recurring financial income76B | - | - | - | - | €200,000 | - |
| Financial charges65/66B | €15,520 | €7,577 | €7,662 | €9,360 | €6,413 | ▼ 31.5% |
| Recurring financial charges65 | €15,520 | €7,577 | €7,662 | €9,360 | €6,413 | ▼ 31.5% |
| Profit (loss) for the period before taxes9903 | €166,209 | €180,187 | €189,174 | €160,707 | €346,250 | ▲ 115% |
| Income taxes67/77 | €39,591 | €43,936 | €46,245 | €38,121 | €35,205 | ▼ 7.6% |
| Profit (loss) for the period9904 | €126,617 | €136,251 | €142,930 | €122,586 | €311,045 | ▲ 154% |
| Profit (loss) for the period to be appropriated9905 | €126,617 | €136,251 | €142,930 | €122,586 | €311,045 | ▲ 154% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.7m | €1.7m | €1.7m | €1.7m | €1.7m | ▼ 1.1% |
| Fixed assets21/28 | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Tangible fixed assets22/27 | €5,328 | €2,917 | €1,602 | €1,254 | €906 | ▼ 27.7% |
| Land and buildings22 | €2,298 | €1,950 | €1,602 | €1,254 | €906 | ▼ 27.7% |
| Leasing and similar rights25 | €3,031 | €967 | - | - | - | - |
| Financial fixed assets28 | €1.6m | €1.6m | €1.6m | €1.6m | €1.6m | = |
| Current assets29/58 | €49,847 | €42,032 | €52,143 | €31,358 | €13,298 | ▼ 57.6% |
| Amounts receivable within one year40/41 | €38,506 | €24,327 | €50,700 | €2,272 | €393 | ▼ 82.7% |
| Trade receivables40 | €35,015 | €22,935 | €49,057 | - | - | - |
| Other amounts receivable41 | €3,491 | €1,393 | €1,643 | €2,272 | €393 | ▼ 82.7% |
| Cash at bank and in hand54/58 | €11,341 | €17,705 | €1,443 | €19,087 | €1,655 | ▼ 91.3% |
| Deferred charges and accrued income490/1 | - | - | - | €10,000 | €11,250 | ▲ 12.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.7m | €1.7m | €1.7m | €1.7m | €1.7m | ▼ 1.1% |
| Equity10/15 | €413,991 | €540,242 | €673,172 | €785,758 | €1.1m | ▲ 38.3% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €396,860 | €516,860 | €646,860 | €751,860 | €1.1m | ▲ 39.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Distributable reserves133 | €395,000 | €515,000 | €645,000 | €750,000 | €1.1m | ▲ 40.2% |
| Profit (loss) carried forward14 | €4,731 | €10,982 | €13,912 | €21,498 | €22,543 | ▲ 4.9% |
| Amounts payable17/49 | €1.3m | €1.1m | €1.0m | €894,954 | €575,501 | ▼ 35.7% |
| Amounts payable after more than one year17 | €1.1m | €922,915 | €809,838 | €748,505 | €521,841 | ▼ 30.3% |
| Financial debts170/4 | €296,122 | €149,806 | €22,158 | - | - | - |
| Other amounts payable178/9 | €776,111 | €773,109 | €787,680 | €748,505 | €521,841 | ▼ 30.3% |
| Amounts payable within one year42/48 | €199,693 | €212,533 | €201,535 | €146,057 | €52,776 | ▼ 63.9% |
| Current portion of amounts payable after more than one year42 | €148,270 | €146,316 | €134,393 | €89,069 | €15,413 | ▼ 82.7% |
| Financial debts43 | €10,019 | €24,925 | €25,087 | €24,914 | - | - |
| Credit institutions430/8 | €10,019 | €24,925 | €25,087 | €24,914 | - | - |
| Trade debts44 | €2,610 | €14,745 | €4,660 | €2,634 | €3,599 | ▲ 36.6% |
| Suppliers440/4 | €2,610 | €14,745 | €4,660 | €2,634 | €3,599 | ▲ 36.6% |
| Taxes, remuneration and social security45 | €28,794 | €16,546 | €27,394 | €19,440 | €23,764 | ▲ 22.2% |
| Taxes450/3 | €28,794 | €16,546 | €27,394 | €19,440 | €23,764 | ▲ 22.2% |
| Other amounts payable47/48 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Accrued charges and deferred income492/3 | - | - | - | €392 | €884 | ▲ 125% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €126,617 | €136,251 | €142,930 | €122,586 | €311,045 | ▲ 154% |
| + Depreciation and write-downs630 | €2,411 | €2,411 | €1,315 | €348 | €348 | = |
| Operating cash flow (approximation) | €129,029 | €138,662 | €144,245 | €122,934 | €311,393 | ▲ 153% |
| Investment in fixed assets (approximation) | - | €0 | -€59 | -€17,300 | €0 | ▲ 100% |
| Change in cash | - | €6,364 | -€16,262 | €17,644 | -€17,432 | ▼ 199% |
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
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €311,045 ▲154%
Net result €311,045, the highest in the series.
31-12
Financial
Equity above €1mEq €1.1m ▲38.3%
8 profitable years in a row build equity to €1.1m.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500,000Eq €540,242 ▲30.5%
5 profitable years in a row build equity to €540,242.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €27,321 ▼40.6%
Net result drops to €27,321, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
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
3 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, Oosterzele · 1 establishment unit since 2015
Ground area
1,440 m²
Building footprint
172 m²
Volume, LiDAR
714 m³
Parcel 44007B0279/00F000, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LIBERCO
since 20152.266.419.450
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44007B0279/00F000 | Flanders | 1,440 m² | 1 · 172 m² | 6.2 m · 1 fl. |
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.
Structure & network
Owners and holdings
3 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 3
-
50%
-
50%
-
50%
According to the 2025 annual accounts of LIBERCO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 806 companies in sector 64999 we hold annual accounts for 487. 258 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
Founded05-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0640925124
Also
9925:BE0640925124
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.