Equity
-€272,652
Debts exceed assets in financial year 2025.
Libimo
Lifetime
8 annual accounts with figures on one time axisGross marginpeak €616,422 (2019)
€575,453▼ 4.0%
Resultlowest -€165,342 (2018)
-€77,328▼ €28,222
Equitypeak €84,658 (2018)
-€272,652▼ €77,328
Debts
€1.5m▼ 11.4%
Staffpeak 14.5 FTE (2019)
13.4 FTE▲ 2.3%
Board1 name since 2022
1 directorLivis Invest SRL
Owners2 names in the annual accounts
100%Livis Invest
Documentsfilings and deeds
24-04-20266 days before the deadline
2025financial year
Loss of €77,328Equity from -€195,323 to -€272,652
Key points
from the 2025 annual accountsLosses
-€330,990 in four years
Every financial year from 2022 to 2025 closed with a loss. 2023 was the heaviest.
Debts
€1.5m 123% of the balance sheet
Financial debts 7%Suppliers 13%Taxes and wages 4%Other 76%
Of this, €355,509 falls due within a year.
Staff
21 employees on 30-09-2025
In 2025, 45 people joined and 43 left.
Liquidity
2.74 was 1.39 in 2024
Short-term debts fell from €798,244 to €355,509.
Position in the sector
-€272,652
Less equity than 95% of companies in retail trade. Sector median €448,423 · 5,050 companies.
Checked score
49
Fair
Financially stronger than 22% of small companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,697 companies (NACE 47, small).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.5%
01-2025: 3.6%▲ +0.1 percentage points vs 12-2024
02-2025: 3.6%● unchanged vs 01-2025
03-2025: 3.6%● unchanged vs 02-2025
04-2025: 3.7%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 2.6%▼ -1.1 percentage points vs 04-2025lowest value
06-2025: 2.6%● unchanged vs 05-2025lowest value
07-2025: 2.6%● unchanged vs 06-2025lowest value
08-2025: 2.6%● unchanged vs 07-2025lowest value
09-2025: 2.7%▲ +0.1 percentage points vs 08-2025
10-2025: 2.6%▼ -0.1 percentage points vs 09-2025
11-2025: 2.7%▲ +0.1 percentage points vs 10-2025
12-2025: 2.7%● unchanged vs 11-2025
01-2026: 2.8%▲ +0.1 percentage points vs 12-2025
02-2026: 2.8%● unchanged vs 01-2026
03-2026: 2.8%● unchanged vs 02-2026
04-2026: 3.0%▲ +0.2 percentage points vs 03-2026
05-2026: 2.8%▼ -0.2 percentage points vs 04-2026
06-2026: 2.8%● unchanged vs 05-2026
07-2026: 2.8%● unchanged vs 06-2026
08-2026: 2.8%● unchanged vs 07-2026
09-2026: 2.8%● unchanged vs 08-2026
10-2026: 2.9%▲ +0.1 percentage points vs 09-2026
11-2026: 2.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Negative equity -€272,652
Loss of €77,328, the second in a row (financial year 2025)
Size: 13.4 FTE, total assets €1.2m
5 establishment units
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 47, small). It does better than 5% of them on solvency, 60% on liquidity, 15% on profitability and 10% on growth.
The bankruptcy probability was computed on 05-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 1,167 companies had the same profile as Libimo has now. Each dot stands for 3 companies, two years later.
94.9%
were still trading
2.8%
stopped another way
2.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Libimo itself is higher: 2.9% within 12 months. It rests on far more data about Libimo than the profile alone.
Test of the method
The method was tested on the 497,446 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 1,167 companies, not a prediction for Libimo. 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
No credit on open account
Liquidity is ample, with a current ratio of 2.74 (1.39 in 2024), above the usual 1.5. Short-term debt is 29.4% and cash 8.8% of total assets. However, equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€272,652
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
6 days early
2024
19 days early
2023
21 days early
2022
19 days early
2021
32 days early
2020
3 days early
2019
30 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 19 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 11 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end06-11-2026 today30-04-2027 deadline
Board and ownership
LI
Livis Invest SRL
Director
- Livis Invest 100%equity €3.0m (2025) · 30-09-2025 annual accounts of Livis Invest
- S.L. INVEST 50%30-09-2023 annual accounts of S.L. INVEST
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0679737002
Legal-form change · Resignations & appointments
Gazette deed
New establishment in Tournai
Swarovski, Boulevard Walter de Marvis 22
4 establishments registered
Boussu, Tournai and Mons
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| Libimo Soignies | €1.2m | €575,453 | -22.5% | 13.4 |
| ST'AN Soignies | €1.1m | €448,744 | 39.9% | 9.4 |
| HERNOULD Antoing | €2.0m | €626,990 | 13.6% | 10.8 |
| PLAN CHARLIE Lubbeek | €0.6m | €470,054 | -75.7% | 11.7 |
| KIN Belgium Wijnegem | €1.5m | €864,306 | 8.3% | 18.1 |
| I.Ma.Gi.N. Jewels Antwerp | €1.1m | €335,512 | 39.2% | 8.6 |
| E & J LEENKNEGT Ronse | €2.0m | €668,252 | 18.9% | 10.7 |
These companies have the same main activity as Libimo: retail sale of watches and jewellery (NACE 47770). They are comparable in size and age: total assets between €638,000 and €2m, founded between 2010 and 2020.
Official details
Source: KBO- Status
- Active since 10-08-2017Normal situation
- Activity
- Retail sale of watches and jewelleryNACE 47770and 4 others
- Joint committee
- 201Independent retail · annual accounts 30-09-2025
- Establishment units
- 2.266.987.2957301 Boussu, since 18-08-2017
- 2.266.987.3947500 Tournai, since 18-08-2017and 3 others
- Financial year end
- 30 September
- Peppol
- Reachable since 02-12-2025
Annual accounts to 30-09-2025
- Turnover
- ≈ €2.1mestimated
- Total assets
- €1.2m▼ 18.1%
- Employeeson 30-09-2025
- 21▲ 23.5%
- Filing
- Filed on 24-04-2026, 6 days before the end of the filing period
Insights on Libimo
Solvency fell in 2025 from -13.2% to -22.5% because of the loss.
Livis Invest holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Libimo
- What is the company number of Libimo?
- The company number of Libimo is 0679.737.002. The VAT number is the same number with BE in front: BE 0679.737.002.
- Where is Libimo based?
- The registered office is at Rue de Mons 21, 7060 Soignies.Company details
- What does Libimo do?
- According to the KBO register, the main activity is retail sale of watches and jewellery (NACE 47770).
- What is the legal form of Libimo?
- Libimo is a private limited company (BV).
- When was Libimo founded?
- Libimo was founded on 10-08-2017.
- Is Libimo still active?
- Yes, Libimo is an active enterprise in the KBO register.
- How many employees does Libimo have?
- Libimo had an average of 13.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Libimo fall under?
- In its 30-09-2025 annual accounts, Libimo states joint committee 201 (Independent retail).
- What is the turnover of Libimo?
- The turnover in financial year 2025 is ≈ €2.1m. This figure is estimated from the gross margin of €575,453 and 47 comparable companies (NACE 477). It probably lies between €1.6m and €3.4m.
- Is Libimo profitable?
- In financial year 2025, Libimo made a loss of €77,328.
- Where can I find the annual accounts of Libimo?
- Libimo filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Libimo due?
- Libimo must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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