Libo Invest
ActiveLibo Invest has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €329k and a net result of €23k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-5
Solvency71▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.31 against 0.68 in 2024; short-term debt: 27.6% and cash: 1% of total assets), and 54.4% 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 risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.6%
Return on assets
3.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
56 d early
2023
43 d early
2022
53 d early
2021
59 d early
2020
51 d early
2019
56 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 monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€329k▼ 19.0%
2024 · €406k
2018: €112k
2019: €223k
2020: €270k
2021: €318k
2022: €370k
2023: €375k
2024: €406k
2018 → 2025
Total assets
€721k▼ 2.7%
2024 · €741k
2018: €716k
2019: €730k
2020: €679k
2021: €667k
2022: €681k
2023: €743k
2024: €741k
2018 → 2025
Net result
€23k▼ 25.0%
2024 · €31k
2018: €75k
2019: €117k
2020: €48k
2021: €50k
2022: €53k
2023: €56k
2024: €31k
2018 → 2025
Working capital
€-138k▼ 305%
2024 · €-34k
2018: €17k
2019: €-24k
2020: €-29k
2021: €-9k
2022: €15k
2023: €-35k
2024: €-34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€318k-€370k▲ 16.6%€375k▲ 1.3%€406k▲ 8.2%€329k▼ 19.0%
Operating result€71k-€73k▲ 2.2%€75k▲ 3.8%€48k▼ 36.4%€37k▼ 22.1%
Net result€50k-€53k▲ 5.0%€56k▲ 6.1%€31k▼ 45.1%€23k▼ 25.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 22% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €721k
Fixed assets
€660k▼ 1.6%
Current assets
€61k▼ 13.1%
Equity and liabilities €721k
Equity
€329k▼ 19.0%
Debt
€392k▲ 17.0%
The debt ratio rises from 45.2% to 54.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€48k▼
2024 · €59k
Cash flow
€34k▼
2024 · €41k
Solvency
45.6%▼
2024 · 54.8%
Current ratio
0.31▼
2024 · 0.68
Quick ratio
0.31▼
2024 · 0.68
Debt / equity
1.19▲
2024 · 0.83
ROE
7.0%▼
2024 · 7.6%
ROA
3.2%▼
2024 · 4.1%
Interest coverage
5.51▼
2024 · 6.65
Debt
€392k▲
2024 · €335k
Debt ≤ 1 year
€199k▲
2024 · €105k
Debt > 1 year
€189k▼
2024 · €228k
Income taxes
€6k▼
2024 · €9k
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€741k€721k▼
Fixed assets21/28€670k€660k▼
Tangible fixed assets22/27€38k€27k▼
Furniture and vehicles24€34k€24k▼
Other tangible fixed assets26€4k€4k▼
Financial fixed assets28€632k€632k=
Current assets29/58€71k€61k▼
Amounts receivable within one year40/41€58k€53k▼
Other amounts receivable41€58k€53k▼
Current investments50/53€10k€0▼
Cash at bank and in hand54/58€2k€7k▲
Deferred charges and accrued income490/1€1k€972▼
Equity and liabilities
Total equity and liabilities10/49€741k€721k▼
Equity10/15€406k€329k▼
Contributions10/11€19k€19k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€360k€283k▼
Amounts payable17/49€335k€392k▲
Amounts payable after more than one year17€228k€189k▼
Financial debts170/4€228k€189k▼
Amounts payable within one year42/48€105k€199k▲
Current portion of amounts payable after more than one year42€38k€39k▲
Financial debts43€5k€0▼
Credit institutions430/8€5k€0▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€7k€17k▲
Taxes450/3€7k€17k▲
Other amounts payable47/48€54k€142k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€938€967▲
Gross operating margin9900€60k€49k▼
Operating profit (loss)9901€48k€37k▼
Financial income75/76B€551€470▼
Recurring financial income75€551€470▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€40k€29k▼
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€31k€23k▼
Profit (loss) for the period to be appropriated9905€31k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€360k€383k▲
Profit (loss) brought forward from the previous period14P€330k€360k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€0€100k▲
Return on contributions (dividend)694€0€100k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (19 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €23k ▼25%
Net result drops to €23k, the lowest in the series.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €117k ▲56.6%
Net result €117k, the highest in the series.
31-12
Financial
Equity above €200kEq €223k ▲99.5%
2 profitable years in a row build equity to €223k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
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
2 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, Westerlo · 1 establishment unit since 2016
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.
Het Locht 382260 WesterloGround area
950 m²
Building footprint
204 m²
Volume, LiDAR
1,244 m³
Parcel 13049D0817/00A000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LIBO INVEST
since 20162.255.382.434
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049D0817/00A000 | Flanders | 949 m² | 1 · 204 m² | 9.2 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.
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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 4,421 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2016
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.