Liberi
ActiveLiberi 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 €3.49M and a net result of €137k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 1455 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
49 d late
2022
92 d late
2021
114 d late
2020
152 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.49M▲ 4.1%
2024 · €3.35M
2020: €2.86M
2021: €2.94M
2022: €3.19M
2023: €3.27M
2024: €3.35M
2020 → 2025
Net result
€137k▲ 71.0%
2024 · €80k
2020: €57k
2021: €79k
2022: €257k
2023: €81k
2024: €80k
2020 → 2025
Total assets
€5.44M▲ 1.7%
2024 · €5.34M
2020: €4.74M
2021: €4.94M
2022: €5.11M
2023: €5.19M
2024: €5.34M
2020 → 2025
Solvency
64.2%▲ 1.5pp
2024 · 62.7%
2020: 60.2%
2021: 59.4%
2022: 62.4%
2023: 63.1%
2024: 62.7%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€73k-
Equity€2.94M-€3.19M▲ 8.7%€3.27M▲ 2.6%€3.35M▲ 2.4%€3.49M▲ 4.1%
Operating result€8k-€253k▲ 2,883%€9k▼ 96.6%€13k▲ 55.9%€95k▲ 607%
Net result€79k-€257k▲ 227%€81k▼ 68.2%€80k▼ 1.8%€137k▲ 71.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 607% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.44M
Fixed assets
€4.91M▲ 2.9%
Current assets
€528k▼ 8.0%
Equity and liabilities €5.44M
Equity
€3.49M▲ 4.1%
Debt
€1.95M▼ 2.3%
The debt ratio falls from 37.3% to 35.8%: equity grows while debt is paid down.
Key figures and ratios
Solvency
64.2%▲
2024 · 62.7%
ROE
3.9%▲
2024 · 2.4%
ROA
2.5%▲
2024 · 1.5%
Debt
€1.95M▼
2024 · €1.99M
Debt ≤ 1 year
€49k▼
2024 · €122k
Debt > 1 year
€1.81M=
2024 · €1.81M
Income taxes
€66k▲
2024 · €27k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€5.34M€5.44M▲
Fixed assets21/28€4.77M€4.91M▲
Financial fixed assets28€4.77M€4.91M▲
Current assets29/58€573k€528k▼
Amounts receivable within one year40/41€162k€99k▼
Trade receivables40€162k€99k▼
Other amounts receivable41-€506
Cash at bank and in hand54/58€411k€428k▲
Deferred charges and accrued income490/1€193€200▲
Equity and liabilities
Total equity and liabilities10/49€5.34M€5.44M▲
Equity10/15€3.35M€3.49M▲
Contributions10/11€2.80M€2.80M=
Reserves13-€137k
Distributable reserves133-€137k
Profit (loss) carried forward14€553k€553k=
Amounts payable17/49€1.99M€1.95M▼
Amounts payable after more than one year17€1.81M€1.81M=
Financial debts170/4€1.81M€1.81M=
Amounts payable within one year42/48€122k€49k▼
Trade debts44€91k€753▼
Suppliers440/4€91k€753▼
Taxes, remuneration and social security45€32k€48k▲
Taxes450/3€32k€48k▲
Accrued charges and deferred income492/3€55k€84k▲
Income statement
Code20242025
Other operating charges640/8€141€144▲
Gross operating margin9900€14k€95k▲
Operating profit (loss)9901€13k€95k▲
Financial income75/76B€133k€137k▲
Recurring financial income75€133k€137k▲
Financial charges65/66B€40k€29k▼
Recurring financial charges65€40k€29k▼
Profit (loss) for the period before taxes9903€107k€203k▲
Income taxes67/77€27k€66k▲
Profit (loss) for the period9904€80k€137k▲
Profit (loss) for the period to be appropriated9905€80k€137k▲
Appropriation of the result
Profit (loss) to be appropriated9906€553k€690k▲
Profit (loss) brought forward from the previous period14P€473k€553k▲
Transfer to equity691/2-€137k
To other reserves6921-€137k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 10.87
Current ratio from 4.68 to 10.87; short-term debt falls from €122k to €49k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 49 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 92 days late
2022
31-12
Financial
Highest result since 2020net €257k ▲227%
Operating result €253k, net result €257k, both a record.
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 114 days late
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 152 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2023
This board is reconstructed from a single act (23425935). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
DE SMET Jozef Alfons Marie
CurrentDirector · since 13-11-2023
MOERINVEST
CurrentDirector · since 13-11-2023 · Private limited company · perm. rep.: DE SMET Karen Heleen
VERCAUTEREN Gertrude Maria René
CurrentDirector · since 13-11-2023
13-11-2023
DE SMET Jozef Alfons Marie: Appointed as Director
13-11-2023
MOERINVEST: Appointed as Director
13-11-2023
VERCAUTEREN Gertrude Maria René: Appointed as Director
13-11-2023
BV Moerinvest: Resigned as Director
Location & real-estate footprint
Registered office, Lokeren · 1 establishment unit since 2019
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.
Damstraat 2189180 LokerenGround area
3,646 m²
Building footprint
154 m²
Volume, LiDAR
769 m³
Parcel 44045D0762/00L002, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Liberi
since 20192.341.616.424
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44045D0762/00L002 | Flanders | 3,646 m² | 1 · 154 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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CHIMERA
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IMMO GROOT-ANTWERPEN
BE 0423.030.361
Knokke-Heist · Eq €3.66M
SYLVA
BE 0410.645.936
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DoDD's
BE 0824.220.282
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Of 1,506 companies in sector 66199 we hold annual accounts for 912. 333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2019
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.