Equity
€137,171 ▲ 55.8%
LIBI has made a profit in every financial year since 2023.
LIBI
Overview
Lifetime
3 annual accounts with figures on one time axispeak €66,024 (2025)
€66,024▲ 8.5%
peak €49,149 (2025)
€49,149▲ 10.8%
peak €137,171 (2025)
€137,171▲ 55.8%
€15,828▲ 3.6%
Board1 name since 2022
1 directorLIEBENS Philippe Maarten Bert
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Equity from €88,022 to €137,171Investments €10,500
Key points
from the 2025 annual accountsTurnover
≈ €130,000 estimated
The micro format states no turnover.
Investments
€10,500 3.7 × depreciation
Green is investment, beige is depreciation. Machinery stands 346.8% higher than in 2024.
Liquidity
8.81 was 6.37 in 2024
Short-term debts rose from €15,280 to €15,828.
Filings
3 annual accounts 3 late
The 2023 accounts came latest: 29 days after the end of the period.
Position in the sector
89.7%
Higher solvency than 87% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
Checked score
98
Excellent
Financially stronger than 85% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025highest value
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 8.81, cash €79,094
Equity €137,171 (89.7% of total assets)
Figures for financial year 2025 (filed on 01-09-2026)
Calculation
The band follows from the bankruptcy probability. 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 62, micro). It does better than 85% of them on solvency, 92% on liquidity, 82% on profitability and 81% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as LIBI has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of LIBI itself is lower: < 0.1% within 12 months. It rests on far more data about LIBI than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for LIBI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €13,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 8.81 (6.37 in 2024), above the usual 1.5. Short-term debt is 10.3% and cash 51.7% of total assets. 10.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
28 days late
2024
28 days late
2023
29 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 28 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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 28 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0794892135
Incorporation
Founding capital of €3,000, 300 shares · Founder: LIEBENS Philippe Maarten Bert · Appointment: LIEBENS Philippe Maarten Bert (director) · published on 20-12-2022 · Gazette deed
First establishment
Klinkerstraat 39, Tongeren-Borgloon
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LIBI Tongeren-Borgloon | €152,999 | €66,024 | 89.7% | - |
| TBiT Tongeren-Borgloon | €169,004 | €64,655 | 78.7% | - |
| Quriosys Tessenderlo-Ham | €172,954 | €69,023 | 86.7% | - |
| LEVEL 1337 Hechtel-Eksel | €148,347 | €74,247 | 85.9% | - |
| GENIO CONSULT Oudsbergen | €158,369 | €73,211 | 96.3% | - |
| Ripple Effect Halen | €158,335 | €63,283 | 89.1% | - |
| SCM-IT CONSULTING Hasselt | €160,338 | €58,343 | 89.4% | - |
These companies have the same main activity as LIBI: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €148,000 and €173,000, founded in 2022.
Official details
Source: KBO- Status
- Active since 16-12-2022Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 4 others
- Establishment unit
- 2.339.385.7213700 Tongeren-Borgloon, since 16-12-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 26-07-2024
Annual accounts 2025
- €66,024▲ 8.5%
- €49,149▲ 10.8%
- €137,171▲ 55.8%
- €152,999▲ 48.1%
- Filing
- Filed on 28-08-2026
Insights on LIBI
LIBI files the micro format. That format states no turnover. The gross margin rose from €54,125 in 2023 to €66,024 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-08-2026, 28 days late€66,024
▲ 8.5%
€62,760
▲ 8.3%
€49,149
▲ 10.8%
€123,643
▲ 50.6%
89.7%
▲ 4.4 percentage points
8.81
▲ 2.44
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €110,000 and €160,000.
Balance sheet
balance sheet total €152,999 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
89.7%
Higher than 88% of 21,208 companies in 2025.
8.81
Higher than 87% of 20,571 companies in 2025.
32.1%
Higher than 70% of 20,746 companies in 2025.
LIBI
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
152,999 | 103,302 | 57,805 | |
21/28 |
13,529 | 5,898 | 3,246 | |
22/27 |
13,379 | 5,748 | 3,096 | |
23 |
10,758 | 2,408 | 3,096 | |
24 |
2,620 | 3,340 | - | |
28 |
150 | 150 | 150 | |
29/58 |
139,470 | 97,404 | 54,559 | |
40/41 |
57,413 | 26,160 | 25,153 | |
40 |
56,733 | 25,894 | 25,153 | |
41 |
680 | 266 | - | |
54/58 |
79,094 | 71,244 | 29,406 | |
490/1 |
2,963 | - | - | |
| Balance sheet: equity and liabilities | ||||
10/49 |
152,999 | 103,302 | 57,805 | |
10/15 |
137,171 | 88,022 | 43,675 | |
10/11 |
3,000 | 3,000 | 3,000 | |
14 |
134,171 | 85,022 | 40,675 | |
17/49 |
15,828 | 15,280 | 14,129 | |
42/48 |
15,828 | 15,280 | 14,129 | |
44 |
3,647 | 1,296 | 2,361 | |
440/4 |
3,647 | 1,296 | 2,361 | |
45 |
3,847 | 7,333 | 5,573 | |
450/3 |
3,847 | 7,333 | 5,573 | |
47/48 |
8,334 | 6,652 | 6,195 | |
| Income statement | ||||
9900 |
66,024 | 60,857 | 54,125 | |
630 |
2,869 | 948 | 344 | |
640/8 |
395 | 1,934 | 419 | |
9901 |
62,760 | 57,975 | 53,362 | |
75/76B |
30 | 60 | 60 | |
75 |
30 | 60 | 60 | |
65/66B |
1,314 | 1,769 | 2,746 | |
65 |
1,314 | 1,769 | 2,746 | |
9903 |
61,476 | 56,266 | 50,675 | |
67/77 |
12,326 | 11,920 | 10,000 | |
9904 |
49,149 | 44,347 | 40,675 | |
9905 |
49,149 | 44,347 | 40,675 | |
| Appropriation of the result | ||||
9906 |
134,171 | 85,022 | 40,675 | |
14P |
85,022 | 40,675 | - | |
| Document | ||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 28-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 28 days after the deadline. Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00476851.
Subsidies and aid
Flemish government 2023, 1 entry, €248 paid
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 65,629 | 58,923 | 53,706 | ||
| 52,019 | 45,294 | 41,019 | ||
| 10,500 | 3,600 | 3,590 | ||
| 7,850 | 41,838 | - | ||
| 123,643 | 82,124 | 40,430 | ||
| 89.7% | 85.2% | 75.6% | ||
| 8.81 | 6.37 | 3.86 | ||
| 0.12 | 0.17 | 0.32 | ||
| 35.8% | 50.4% | 93.1% | ||
| 32.1% | 42.9% | 70.4% | ||
| 49.95 | 33.31 | 19.56 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €10,500 | €3,600 | €3,440 |
| Financial fixed assets | - | - | €150 |
| €2,869 | €948 | €344 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on LIBI
The operating result for 2025 is 8% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Debt's share of the balance-sheet total falls from 14.8% to 10.3%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 16-12-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 28-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 20-12-2022
Mandates through the years
1 name, the dashed line is todayLIEBENS Philippe Maarten Bert
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- LIEBENS Philippe Maarten Bert
- Director (not named in the articles), from 16-12-2022 to date
Control
Capital
- Contribution
- €3,000
- Shares
- 300
- Contribution per share
- €10
- Equity per share
- €457 in 2025
- Source
- deed of 20-12-2022
Articles of association
deed of 20-12-2022 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, algemene vergadering bepaalt aantal,duur en bij meerdere bevoegdheid”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft koper(s) naar evenredigheid aantal bij meerdere kopers, vermelde prijs in oorspronkelijke bekendmaking of bij…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of May at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 20-12-2022 ↗
- LIEBENS Philippe Maarten Bert 300 shares (100%) · €3,000
Network & group
No group
LIBI has no parent and no holdings in its annual accounts. LIEBENS Philippe Maarten Bert is the only director. LIBI shares no director with another company.
Timeline
Timeline
8 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 28 days late
2025
Highest result from 2023 to 2025 net €49,149 ▲10.8% The operating result of €62,760 and the net result of €49,149 are both a record.
Equity above €100,000 equity €137,171 ▲55.8% With a profit in every financial year since 2023, equity grows to €137,171.
Annual accounts 2024 filed PDFmicro format · 28 days late
2024
Annual accounts 2023 filed PDFmicro format · 29 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0794892135
2022
IncorporationFounding capital of €3,000, 300 shares · Founder: LIEBENS Philippe Maarten Bert · Appointment: LIEBENS Philippe Maarten Bert (director) · published on 20-12-20227 points ▸
- Registered office clause, Kogelstraat 39, 3700 Tongeren
- Board rule, 1
- Director appointment, LIEBENS Philippe Maarten Bert (director (not named in the articles))
- Founder, LIEBENS Philippe Maarten Bert
- Founding capital, €3,000, 300 shares
- LIEBENS Philippe Maarten Bert holds 300 shares
- 300 shares
- The deed holds 4 more points.
First establishment Klinkerstraat 39, Tongeren-Borgloon
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 16 December 2022, LIBI was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 LIEBENS Philippe Maarten Bert has served as director since 2022.3 Total assets went from €57,805 in 2023 to €152,999 in 2025.4
Company details
Identity
- Enterprise number
- 0794.892.135
- VAT number
- BE 0794.892.135
- Peppol ID
- 0208:0794892135
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 16-12-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of May at 18:00deed of 20-12-2022 (in Dutch)
- Peppol
- Reachable since 26-07-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- LIBI in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 20-12-2022 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 20-12-2022 (in Dutch)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
11010
Manufacture of beverages
Codes under NACEBEL 2008
62020
IT consultancy main activity
11010
Manufacture of beverages
31091
Manufacture of furniture
47910
Retail trade
62030
Computer programming, consultancy and related activities
74103
Other professional, scientific and technical activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Computerconsultancy-activiteiten; Beheer van computerfaciliteiten; Overige diensten op het gebied van informatietechnologie en computer…”deed of 20-12-2022 (in Dutch)
16 activities
- Computerconsultancy-activiteiten
- Beheer van computerfaciliteiten
- Overige diensten op het gebied van informatietechnologie en computer
- Vervaardiging van snaarinstrumenten
- Detailhandel in allerlei producten via het internet (e-commerce)
- Vervaardiging van kantoor- en winkelmeubelen
- Vervaardiging van keukenmeubelen
- Vervaardiging van andere meubelen
- Activiteiten van grafische designers
- Productie en realisatie van publicitaire films en promotiefilms,films over technische onderwerpen of over bedrijven,films met educatieve inhoud of voor vormingsdoeleinden,videoclips
- Vervaardiging van gedistilleerde alcoholische dranken zoals whisky,cognac,gin,enz.
- Vervaardiging van bier
- Vervaardiging van niet-alcoholische dranken,m.u.v. bier en alcoholvrije wijn:natuurlijk mineraalwater,water met toegevoegde zoetstoffen en/of gearomatiseerd water:limonade,cola,tonics,enz.
- Vervaardiging van cider,perenwijn en andere vruchtenwijn
- Overige activiteiten i.v.m. recreatie
- Verkoop van dranken voor,in het algemeen,consumptie ter plaatse,eventueel in combinatie met enigerlei vorm van amusement door:cafés,bar,bierhallen,enz.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Klinkerstraat 39 registered office 3700 Tongeren-Borgloon | 16-12-2022 | 2.339.385.721 |
Buildings and parcels at the address
- Ground area
- 141 m²
- Buildings
- 80 m²
- Volume, LiDAR
- 576 m³
- Tallest building
- 9.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 73083D0243/00P000 | 141 m² | 1 · 80 m² | 9.3 m · 2 |