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LiBerTeam

Active
Private limited companyfounded 201313 yrs activeBoechoutsesteenweg 88, 2540 Hove, BelgiumKBO/BCE: BE 0503.980.029

LiBerTeam has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €55k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 6965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2025
56 / 100
Fair= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency22▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.87 in 2024), and 79.2% 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 riskneutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
20.8%
Return on assets
17.4%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 13 years 0 20 y
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 · 10 filings
Deviation from the deadline
2025
31 d late
2024
33 d late
2023
28 d late
2022
on the day
2021
19 d early
2020
58 d early
2019
30 d early
← 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 months
Position in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€66k▲ 19.3%
2024 · €55k
2018: €14k 2019: €19k 2020: €20k 2021: €23k 2022: €21k 2023: €29k 2024: €55k
2018 → 2025
Total assets
€318k▲ 6.1%
2024 · €300k
2018: €72k 2019: €59k 2020: €52k 2021: €41k 2022: €59k 2023: €73k 2024: €300k
2018 → 2025
Net result
€55k▲ 2.6%
2024 · €54k
2018: €23 2019: €4k 2020: €23k 2021: €10k 2022: €13k 2023: €28k 2024: €54k
2018 → 2025
Working capital
€-26k▼ 129%
2024 · €-12k
2018: €42k 2019: €34k 2020: €24k 2021: €20k 2022: €12k 2023: €18k 2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€23k-€21k▼ 6.1%€29k▲ 37.4%€55k▲ 90.2%€66k▲ 19.3%
Operating result€17k-€22k▲ 26.2%€43k▲ 94.8%€91k▲ 113%€95k▲ 4.1%
Net result€10k-€13k▲ 33.6%€28k▲ 122%€54k▲ 90.4%€55k▲ 2.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25k€50k€75k€100kOperating result 2021: €17k€17kNet result 2021: €10k€10kOperating result 2022: €22k€22kNet result 2022: €13k€13kOperating result 2023: €43k€43kNet result 2023: €28k€28kOperating result 2024: €91k€91kNet result 2024: €54k€54kOperating result 2025: €95k€95kNet result 2025: €55k€55k20212022202320242025
The operating result has risen four years in a row; 2025 is 4% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €318k
Fixed assets €227k▲ 3.3%
Current assets €90k▲ 13.9%
Equity and liabilities €318k
Equity €66k▲ 19.3%
Debt €252k▲ 3.1%
The debt ratio falls from 81.5% to 79.2%: equity grows faster than debt.
Key figures and ratios
2025 value · change against 2024
EBITDA
€103k
2024 · €98k
Cash flow
€63k
2024 · €60k
Solvency
20.8%
2024 · 18.5%
Current ratio
0.77
2024 · 0.87
Quick ratio
0.77
2024 · 0.87
Debt / equity
3.81
2024 · 4.41
ROE
83.5%
2024 · 97.2%
ROA
17.4%
2024 · 18.0%
Interest coverage
8.50
2024 · 9.69
Debt
€252k
2024 · €244k
Debt ≤ 1 year
€117k
2024 · €91k
Debt > 1 year
€134k
2024 · €153k
Income taxes
€28k
2024 · €28k
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€300k€318k
Fixed assets21/28€220k€227k
Tangible fixed assets22/27€19k€27k
Land and buildings22€1k€518
Furniture and vehicles24€18k€20k
Other tangible fixed assets26-€6k
Financial fixed assets28€201k€201k=
Current assets29/58€79k€90k
Amounts receivable within one year40/41€3€26k
Trade receivables40€0€25k
Other amounts receivable41€3€223
Current investments50/53€1k€22k
Cash at bank and in hand54/58€75k€38k
Deferred charges and accrued income490/1€4k€4k
Equity and liabilities
Total equity and liabilities10/49€300k€318k
Equity10/15€55k€66k
Reserves13€55k€66k
Distributable reserves133€55k€66k
Profit (loss) carried forward14€0€0=
Amounts payable17/49€244k€252k
Amounts payable after more than one year17€153k€134k
Financial debts170/4€153k€134k
Amounts payable within one year42/48€91k€117k
Current portion of amounts payable after more than one year42€28k€33k
Financial debts43€1k€3k
Credit institutions430/8€1k€3k
Trade debts44€7k€5k
Suppliers440/4€7k€5k
Taxes, remuneration and social security45€25k€31k
Taxes450/3€25k€31k
Other amounts payable47/48€30k€45k
Accrued charges and deferred income492/3€500€1k
Income statement Code20242025
Non-recurring operating income76A€16k€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k
Other operating charges640/8€2k€2k=
Gross operating margin9900€100k€105k
Operating profit (loss)9901€91k€95k
Financial income75/76B€141€438
Recurring financial income75€141€438
Financial charges65/66B€10k€12k
Recurring financial charges65€10k€12k
Profit (loss) for the period before taxes9903€81k€83k
Income taxes67/77€28k€28k
Profit (loss) for the period9904€54k€55k
Profit (loss) for the period to be appropriated9905€54k€55k
Appropriation of the result
Profit (loss) to be appropriated9906€54k€55k
Transfer from equity791/2€3k€16k
Transfer to equity691/2€29k€27k
To other reserves6921€29k€27k
Profit to be distributed694/7€28k€44k
Return on contributions (dividend)694€28k€44k

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial Highest result since 2018net €55k ▲2.6%
Operating result €95k, net result €55k, both a record.
02-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
28-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Hove · 1 establishment unit since 2013
establishment The establishment unit on the map
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.

Boechoutsesteenweg 882540 Hove
Ground area
167 m²
Building footprint
97 m²
Volume, LiDAR
708 m³
Parcel 11021A0186/00D002, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Liberteam
Boechoutsesteenweg 88, 2540 HoveFinancial service activities, except insurance and pension funding
since 20132.300.811.987
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11021A0186/00D002 Flanders 167 m² 1 · 97 m² 11.8 m · 3 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.

Recognitions · licences · registrations

Legal Entity Identifier

699400MMWBBLRIM4AR68
live in the LEI register

Similar companies · same sector, comparable size

Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 5,568 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded07-02-2013
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.