LIBO CONSULT

Active

Private limited companyfounded 200322 yrs activeStationsstraat 70, 3545 Halen, BelgiumKBO/BCE: BE 0862.276.352

LIBO CONSULT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €58k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2024

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability72▼-2

Solvency36▼-4

Growth52=

Track record100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2.5k at 30 days acceptable

Liquidity short (current ratio 0.75 against 0.8 in 2023; short-term debt: 82.1% and cash: 1.6% of total assets), and 88.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

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

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

11.1%

Return on assets

4.2%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9623 sector peers (2024).

NBB · sector comparison

Position among 9623 sector peers

Solvency

better than 18%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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

not confirmed

2024

29 d late

2023

27 d early

2022

18 d early

2021

24 d late

2020

30 d late

2019

25 d late

← before the deadline after the deadline →

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 2024, abbreviated schema

Equity

€58k▼ 32.8%

2023 · €86k

2018: €-66k 2019: €27k 2020: €75k 2021: €113k 2022: €66k 2023: €86k

2018 → 2024

Total assets

€517k▼ 8.9%

2023 · €567k

2018: €666k 2019: €629k 2020: €600k 2021: €560k 2022: €532k 2023: €567k

2018 → 2024

Net result

€22k▲ 1.2%

2023 · €22k

2018: €56k 2019: €97k 2020: €50k 2021: €40k 2022: €5k 2023: €22k

2018 → 2024

Working capital

€-106k▼ 28.2%

2023 · €-83k

2018: €-184k 2019: €-125k 2020: €-118k 2021: €-86k 2022: €-107k 2023: €-83k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€75k-€113k▲ 50.5%€66k▼ 42.0%€86k▲ 30.6%€58k▼ 32.8%

Operating result€66k-€59k▼ 11.4%€18k▼ 69.2%€50k▲ 176%€48k▼ 3.7%

Net result€50k-€40k▼ 20.8%€5k▼ 86.9%€22k▲ 320%€22k▲ 1.2%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 4% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €517k

38.5%

61.5%

Fixed assets €199k▼ 16.4%

Current assets €318k▼ 3.5%

Equity and liabilities €517k

11%

88.9%

Equity €58k▼ 32.8%

Debt €459k▼ 4.7%

The debt ratio rises from 84.9% to 88.9%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€96k▼

2023 · €105k

Cash flow

€70k▼

2023 · €77k

Solvency

11.1%▼

2023 · 15.1%

Current ratio

0.75▼

2023 · 0.80

Quick ratio

0.33▼

2023 · 0.37

Debt / equity

7.97▲

2023 · 5.62

ROE

38.1%▲

2023 · 25.3%

ROA

4.2%▲

2023 · 3.8%

Interest coverage

5.80▼

2023 · 6.14

Debt

€459k▼

2023 · €481k

Debt ≤ 1 year

€424k▲

2023 · €412k

Debt > 1 year

€32k▼

2023 · €65k

Income taxes

€13k▼

2023 · €13k

Staff costs

€143k▲

2023 · €134k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€567k€517k▼

Fixed assets21/28€238k€199k▼

Tangible fixed assets22/27€238k€199k▼

Land and buildings22€159k€136k▼

Plant, machinery and equipment23€14k€12k▼

Furniture and vehicles24€62k€48k▼

Other tangible fixed assets26€2k€3k▲

Current assets29/58€329k€318k▼

Stocks and contracts in progress3€178k€178k=

Stocks30/36€178k€178k=

Amounts receivable within one year40/41€118k€114k▼

Trade receivables40€114k€112k▼

Other amounts receivable41€4k€2k▼

Cash at bank and in hand54/58€12k€8k▼

Deferred charges and accrued income490/1€21k€17k▼

Equity and liabilities

Total equity and liabilities10/49€567k€517k▼

Equity10/15€86k€58k▼

Contributions10/11€10k€10k=

Reserves13€180k€150k▼

Tax-exempt reserves132€250€250=

Distributable reserves133€180k€150k▼

Profit (loss) carried forward14€-105k€-103k▲

Amounts payable17/49€481k€459k▼

Amounts payable after more than one year17€65k€32k▼

Financial debts170/4€65k€32k▼

Amounts payable within one year42/48€412k€424k▲

Current portion of amounts payable after more than one year42€35k€33k▼

Financial debts43€220k€200k▼

Credit institutions430/8€220k€200k▼

Trade debts44€113k€101k▼

Suppliers440/4€113k€101k▼

Taxes, remuneration and social security45€41k€42k▲

Taxes450/3€10k€11k▲

Remuneration and social security454/9€31k€31k▲

Other amounts payable47/48€4k€48k▲

Accrued charges and deferred income492/3€5k€3k▼

Income statement Code20232024

Non-recurring operating income76A€905-

Remuneration, social security and pensions62€134k€143k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€48k▼

Other operating charges640/8€5k€4k▼

Gross operating margin9900€244k€244k▼

Operating profit (loss)9901€50k€48k▼

Financial income75/76B€2k€3k▲

Recurring financial income75€2k€2k▼

Non-recurring financial income76B-€2k

Financial charges65/66B€17k€17k▼

Recurring financial charges65€17k€17k▼

Profit (loss) for the period before taxes9903€35k€35k=

Income taxes67/77€13k€13k▼

Profit (loss) for the period9904€22k€22k▲

Profit (loss) for the period to be appropriated9905€22k€22k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-83k€-83k▲

Profit (loss) brought forward from the previous period14P€-105k€-105k▲

Transfer from equity791/2-€50k

Transfer to equity691/2€20k€20k=

To other reserves6921€20k€20k=

Profit to be distributed694/7€2k€50k▲

Return on contributions (dividend)694€2k€50k▲

Social balance

Average headcount (FTE)90872.62.4▼

The notes to these accounts (10 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

All 13Financial 3Filings 10

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 29 days late

2024

04-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

13-07

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

31-12

Financial Weakest financial yearnet €5k ▼86.9%

Net result drops to €5k, the lowest in the series; recovery starts the following year.

24-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 24 days late

2021

31-12

Financial Equity above €100kEq €113k ▲50.5%

4 profitable years in a row build equity to €113k.

30-08

NBB filing Annual accounts filed

fiscal year 2020 · abbreviated schema · 30 days late

2020

25-08

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 25 days late

2019

31-12

Financial Highest result since 2018net €97k ▲74.4%

Operating result €116k, net result €97k, both a record.

11-07

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

30-07

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

13-09

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 44 days late

2016

18-08

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 18 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

31-12-2025 BOLLEN Kristien Jozef Hugo Maria: Resigned as Director

21-08-2014 BOLLEN Kristien: Resigned as Manager

21-08-2014 Linssen Jacques: Resigned as Manager

Location & real-estate footprint

Registered office, Halen · 1 establishment unit since 2004

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.

Stationsstraat 703545 Halen

Ground area

2,131 m²

Building footprint