Equity
LIBRA has made a profit without a break since 2021.
LIBRA has made a profit without a break since 2021.
The abbreviated format states no turnover.
The last five annual accounts were filed 0 to 34 days before the end of the period.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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.
The company filed its last 7 accounts on average 15 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| LIBRA Sint-Gillis-Waas | €0.5m | €78,568 | 59.3% | 0 |
| INTERMEDIAT Waasmunster | €0.4m | €156,140 | 87.3% | 0 |
| Pulse Patrimoine Pecq | €0.2m | €112,970 | 24.4% | 0 |
| SANTENS IMMO Ghent | €1.0m | €38,456 | 78.3% | 0 |
| PROFINANCE-MARECHAL Liège | €0.4m | €126,338 | 59.6% | 1 |
| IMMO VROENHOF Riemst | €1.3m | €66,217 | 54.4% | 0 |
| ToVa Antwerp | €0.3m | €23,742 | 46.5% | 0 |
These companies have the same main activity as LIBRA: other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199). They are comparable in size and age: total assets between €213,000 and €1.3m, founded between 2000 and 2010.
LIBRA files the abbreviated format. That format states no turnover. The gross margin fell from €101,834 in 2007 to €78,568 in 2025.
The balance sheet grew most in 2017 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Higher than 68% of 1,861 companies in 2025.
Higher than 38% of 1,845 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Staff: bottom quarter
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||||||||||
20/58 |
452,181 | 498,021 | 516,912 | 565,466 | 572,057 | 533,303 | 598,680 | 561,155 | 610,656 | 236,585 | 339,838 | 365,214 | 373,607 | 213,440 | 231,537 | 249,817 | 271,950 | 238,128 | 188,207 | |
21/28 |
360,151 | 398,349 | 423,015 | 449,643 | 458,619 | 484,446 | 522,042 | 459,542 | 403,770 | 193,767 | 217,538 | 255,444 | 259,274 | 173,040 | 183,365 | 197,336 | 209,014 | 191,178 | 134,728 | |
22/27 |
360,123 | 398,320 | 422,986 | 449,614 | 458,590 | 484,417 | 522,008 | 459,508 | 403,737 | 193,733 | 217,504 | 255,410 | 259,240 | 173,006 | 183,331 | 197,302 | 208,981 | 191,144 | 133,194 | |
22 |
343,655 | 357,799 | 371,836 | 384,702 | 397,568 | 410,434 | 432,684 | 356,526 | 266,250 | 22,479 | 23,428 | 173,475 | 159,469 | 168,814 | 178,160 | 188,974 | 188,659 | 153,688 | 101,965 | |
23 |
776 | 1,028 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
24 |
4,432 | 15,923 | 15,267 | 16,721 | 521 | 1,173 | 4,205 | 5,555 | 27,750 | 49,209 | 59,721 | 79,391 | 99,771 | 4,191 | 5,171 | 8,327 | 20,322 | 37,456 | 31,229 | |
26 |
11,259 | 23,570 | 35,882 | 48,191 | 60,500 | 72,809 | 85,119 | 97,428 | 109,737 | 122,046 | 134,355 | 2,544 | - | - | - | - | - | - | - | |
28 |
29 | 29 | 29 | 29 | 29 | 29 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 1,534 | |
29/58 |
92,030 | 99,672 | 93,898 | 115,823 | 113,438 | 48,858 | 76,638 | 101,612 | 206,885 | 42,819 | 122,300 | 109,770 | 114,333 | 40,401 | 48,172 | 52,481 | 62,935 | 46,950 | 53,479 | |
3 |
- | - | - | - | - | - | - | - | - | - | - | - | - | 1,229 | 1,229 | 3,110 | 3,110 | 15,581 | 17,048 | |
30/36 |
- | - | - | - | - | - | - | - | - | - | - | - | - | 1,229 | 1,229 | 3,110 | 3,110 | 15,581 | 17,048 | |
40/41 |
11,303 | 10,897 | 21,175 | 25,517 | 62,751 | 17,134 | 53,911 | 46,849 | 62,466 | 33,459 | 17,134 | 18,097 | 23,880 | 26,860 | 10,390 | 6,145 | 8,165 | 18,030 | 25,565 | |
40 |
11,303 | 10,890 | 21,175 | 22,083 | 62,751 | 17,134 | 42,206 | 41,334 | 60,500 | 32,392 | 17,134 | 18,097 | 22,565 | 25,810 | 10,390 | 5,539 | 8,165 | 15,159 | 24,423 | |
41 |
0 | 7 | - | 3,434 | - | - | 11,705 | 5,516 | 1,966 | 1,067 | - | - | 1,315 | 1,050 | - | 606 | - | 2,871 | 1,142 | |
50/53 |
0 | 10,000 | 50,092 | 70,092 | 20,092 | 20,092 | 92 | 52,093 | 138,093 | 3,093 | 90,093 | - | 25,034 | 5,035 | 16,447 | 38,198 | 1,265 | - | - | |
54/58 |
78,540 | 76,764 | 18,549 | 14,230 | 25,979 | 5,458 | 20,450 | 2,671 | 6,326 | 6,025 | 10,114 | 86,714 | 65,418 | 5,895 | 17,807 | - | 20,395 | 13,203 | 10,866 | |
490/1 |
2,187 | 2,010 | 4,082 | 5,985 | 4,617 | 6,174 | 2,185 | - | - | 242 | 4,959 | 4,959 | - | 1,383 | 2,299 | 5,029 | 30,000 | 137 | - | |
| Balance sheet: equity and liabilities | ||||||||||||||||||||
10/49 |
452,181 | 498,021 | 516,912 | 565,466 | 572,057 | 533,303 | 598,680 | 561,155 | 610,656 | 236,585 | 339,838 | 365,214 | 373,607 | 213,440 | 231,537 | 249,817 | 271,950 | 238,128 | 188,207 | |
10/15 |
268,073 | 242,148 | 250,897 | 209,861 | 185,556 | 139,383 | 172,887 | 167,570 | 186,998 | 179,860 | 172,530 | 158,997 | 145,629 | 89,744 | 77,341 | 56,706 | 42,855 | 40,151 | 43,967 | |
10/11 |
75,000 | 75,000 | 82,279 | 82,279 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 25,000 | 25,000 | 25,000 | 25,000 | 25,000 | 25,000 | |
10 |
- | - | - | - | 75,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
100 |
- | - | - | - | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 75,000 | 25,000 | 25,000 | 25,000 | 25,000 | 25,000 | 25,000 | |
13 |
193,073 | 167,148 | 168,618 | 127,581 | 110,556 | 64,383 | 97,887 | 92,570 | 111,912 | 104,775 | 97,444 | 16,911 | 3,565 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | |
130/1 |
- | - | - | - | 7,279 | 4,229 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | 7,279 | 4,229 | 4,229 | 3,963 | 3,963 | 3,853 | 3,719 | 3,234 | 2,794 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 | |
132 |
9,278 | 9,278 | 9,278 | 9,278 | 9,278 | 24,018 | 24,018 | 24,018 | 19,786 | 14,740 | 10,081 | 5,367 | 770 | - | - | - | - | - | - | |
133 |
183,794 | 157,870 | 159,340 | 118,303 | 93,998 | 36,135 | 69,640 | 64,588 | 88,163 | 86,181 | 83,644 | 8,310 | - | - | - | - | - | - | - | |
14 |
0 | 0 | - | - | - | - | - | - | 86 | 86 | 86 | 67,085 | 67,064 | 62,244 | 49,841 | 29,206 | 15,355 | 12,651 | 16,467 | |
17/49 |
184,109 | 255,872 | 266,015 | 355,605 | 386,502 | 393,921 | 425,792 | 393,585 | 423,658 | 56,725 | 167,308 | 206,217 | 227,978 | 123,697 | 154,196 | 193,111 | 229,095 | 197,977 | 144,241 | |
17 |
31,658 | 68,499 | 102,243 | 138,075 | 173,413 | 208,264 | 242,635 | 276,531 | 309,961 | 1,100 | 10,000 | 53,361 | 98,397 | 70,000 | 90,000 | 110,000 | 130,000 | 111,824 | 61,211 | |
170/4 |
27,968 | 64,809 | 101,143 | 136,975 | 172,313 | 207,164 | 241,535 | 275,431 | 308,861 | - | 10,000 | 53,361 | 98,397 | 70,000 | 90,000 | 110,000 | 130,000 | 111,824 | 61,211 | |
178/9 |
3,690 | 3,690 | 1,100 | 1,100 | 1,100 | 1,100 | 1,100 | 1,100 | 1,100 | 1,100 | - | - | - | - | - | - | - | - | - | |
42/48 |
138,841 | 172,568 | 155,669 | 216,233 | 210,647 | 177,937 | 175,563 | 112,667 | 111,440 | 53,148 | 153,002 | 146,484 | 128,098 | 52,480 | 61,252 | 77,123 | 95,303 | 83,124 | 81,165 | |
42 |
36,841 | 36,333 | 35,832 | 35,338 | 34,851 | 34,371 | 33,897 | 33,429 | 32,969 | 10,000 | 43,361 | 45,036 | 44,576 | 20,000 | 20,000 | 20,000 | 21,250 | 25,000 | 20,000 | |
44 |
5,030 | 1,347 | 305 | 25,477 | 5,299 | 5,361 | 6,539 | 4,312 | 4,146 | 5,704 | 5,600 | 859 | 923 | 2,798 | 3,309 | 959 | 2,826 | 11,145 | 11,705 | |
440/4 |
5,030 | 1,347 | 305 | 25,477 | 5,299 | 5,361 | 6,539 | 4,312 | 4,146 | 5,704 | 5,600 | 859 | 923 | 2,798 | 3,309 | 959 | 2,826 | 11,145 | 11,705 | |
45 |
4,799 | 10,422 | 10,806 | 27,096 | 31,339 | 2,968 | 6,176 | 6,873 | 13,589 | 11,168 | 14,149 | 10,351 | 5,756 | 8,844 | 16,898 | 7,046 | 7,186 | 2,582 | 15,775 | |
450/3 |
4,799 | 10,422 | 10,806 | 27,096 | 31,339 | 2,968 | 6,176 | 6,873 | 13,589 | 11,168 | 14,149 | 10,351 | 5,756 | 8,844 | 16,898 | 7,046 | 7,186 | 2,582 | 15,775 | |
47/48 |
92,171 | 124,466 | 108,725 | 128,321 | 139,159 | 135,238 | 128,952 | 68,053 | 60,737 | 26,277 | 89,892 | 90,239 | 76,844 | 20,838 | 21,045 | 49,118 | 64,041 | 44,397 | 33,685 | |
492/3 |
13,610 | 14,805 | 8,104 | 1,298 | 2,442 | 7,719 | 7,595 | 4,387 | 2,257 | 2,478 | 4,306 | 6,372 | 1,483 | 1,217 | 2,944 | 5,989 | 3,792 | 3,029 | 1,864 | |
| Income statement | ||||||||||||||||||||
76A |
4,542 | 0 | 16,290 | 2,100 | - | - | - | - | 3,750 | - | - | - | - | - | - | - | - | - | - | |
9900 |
78,568 | 77,012 | 103,066 | 69,585 | 99,632 | 17,325 | 69,141 | 66,654 | 91,475 | 56,504 | 64,716 | 57,582 | 27,860 | 36,185 | 53,495 | 47,885 | 60,791 | 48,113 | 101,834 | |
62 |
0 | 350 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
630 |
28,277 | 31,425 | 28,976 | 25,976 | 25,827 | 37,591 | 50,419 | 75,435 | 73,407 | 37,953 | 37,180 | 30,794 | 13,264 | 12,592 | 16,010 | 25,146 | 45,911 | 39,994 | 65,573 | |
640/8 |
3,166 | 3,354 | 3,862 | 3,215 | 4,489 | 3,772 | 1,956 | 2,378 | 2,724 | 3,697 | 2,339 | 2,146 | 2,224 | 2,213 | 1,467 | 1,017 | 1,856 | 1,253 | 4,298 | |
66A |
- | - | - | - | - | - | - | - | - | 497 | - | - | - | - | - | - | - | - | - | |
9901 |
47,125 | 41,884 | 70,228 | 40,394 | 69,316 | -24,039 | 16,766 | -11,159 | 15,345 | 14,358 | 25,197 | 24,642 | 12,372 | 21,379 | 36,018 | 21,722 | 13,024 | 6,866 | 31,963 | |
75/76B |
1,101 | 655 | 1 | - | - | 1 | - | - | 0 | 1 | 3 | 76 | 1 | 126 | 166 | 2,510 | 41 | 638 | 1,656 | |
75 |
1,101 | 655 | 1 | - | - | 1 | - | - | 0 | 1 | 3 | 76 | 1 | 126 | 166 | 2,510 | 41 | 638 | 1,656 | |
65/66B |
8,438 | 10,894 | 9,544 | 3,092 | 3,561 | 9,293 | 8,796 | 8,094 | 3,898 | 3,030 | 5,500 | 6,733 | 2,610 | 2,911 | 5,319 | 4,482 | 7,997 | 10,692 | 5,623 | |
65 |
8,438 | 10,894 | 9,544 | 3,092 | 3,561 | 9,293 | 8,796 | 8,094 | 3,898 | 3,030 | 5,500 | 6,733 | 2,610 | 2,911 | 5,319 | 4,482 | 7,997 | 10,692 | 5,623 | |
9903 |
39,789 | 31,645 | 60,686 | 37,301 | 65,755 | -33,331 | 7,969 | -19,253 | 11,447 | 11,329 | 19,700 | 17,986 | 9,763 | 18,594 | 30,865 | 19,750 | 5,068 | -3,187 | 27,997 | |
67/77 |
13,864 | 12,745 | 19,649 | 12,996 | 19,582 | 174 | 2,652 | 175 | 4,309 | 3,998 | 6,167 | 4,618 | 3,878 | 6,191 | 10,230 | 5,900 | 2,364 | 629 | 9,030 | |
9904 |
25,924 | 18,900 | 41,037 | 24,305 | 46,173 | -33,504 | 5,317 | -19,428 | 7,138 | 7,330 | 13,533 | 13,368 | 5,885 | 12,403 | 20,635 | 13,851 | 2,704 | -3,816 | 18,967 | |
789 |
- | - | - | - | 14,740 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
689 |
- | - | - | - | - | - | - | 4,232 | 5,046 | 4,659 | 4,714 | 4,596 | - | - | - | - | - | - | - | |
9905 |
25,924 | 18,900 | 41,037 | 24,305 | 60,913 | -33,504 | 5,317 | -23,660 | 2,091 | 2,671 | 8,819 | 8,771 | 5,885 | 12,403 | 20,635 | 13,851 | 2,704 | -3,816 | 18,967 | |
| Appropriation of the result | ||||||||||||||||||||
9906 |
25,924 | 18,900 | 41,037 | 24,305 | 60,913 | -33,504 | 5,317 | -23,575 | 2,177 | 2,757 | 75,905 | 75,835 | 68,129 | 62,244 | 49,841 | 29,206 | 15,355 | 12,651 | 18,967 | |
791/2 |
0 | 27,649 | - | - | - | 33,504 | - | 23,575 | - | - | - | - | - | - | - | - | - | - | - | |
691/2 |
25,924 | 18,900 | 41,037 | 24,305 | 60,913 | - | 5,317 | - | 2,091 | 2,671 | 75,819 | 8,750 | 1,065 | - | - | - | - | - | 2,500 | |
6920 |
- | - | - | - | 3,050 | - | 266 | - | 110 | 134 | 485 | 440 | 294 | - | - | - | - | - | 2,500 | |
6921 |
25,924 | 18,900 | 41,037 | 24,305 | 57,863 | - | 5,051 | - | 1,981 | 2,537 | 75,334 | 8,310 | 770 | - | - | - | - | - | - | |
694/7 |
0 | 27,649 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
694 |
0 | 27,649 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Social balance sheet | ||||||||||||||||||||
9087 |
0 | 0 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Document | ||||||||||||||||||||
The notes to these accounts have 18 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 31-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 31-07-2026 | 2026-00387323 | |
| 31-12-2024 | abbreviated format | 31-07-2025 | 2025-00354336 | |
| 31-12-2023 | abbreviated format | 23-07-2024 | 2024-00274800 | |
| 31-12-2022 | abbreviated format | 06-07-2023 | 2023-00217844 | |
| 31-12-2021 | abbreviated format | 27-06-2022 | 2022-20146439 | |
| 31-12-2020 | abbreviated format | 30-06-2021 | 2021-28300344 | |
| 31-12-2019 | abbreviated format | 22-07-2020 | 2020-32700566 | |
| 31-12-2018 | abbreviated format | 01-07-2019 | 2019-25900224 | |
| 31-12-2017 | abbreviated format | 02-07-2018 | 2018-27700356 | |
| 31-12-2016 | abbreviated format | 30-06-2017 | 2017-26000222 | |
| 31-12-2015 | abbreviated format | 29-06-2016 | 2016-26100349 | |
| 31-12-2014 | abbreviated format | 20-07-2015 | 2015-32500245 | |
| 31-12-2013 | abbreviated format | 01-07-2014 | 2014-24700175 | |
| 31-12-2012 | abbreviated format | 09-08-2013 | 2013-41200598 | |
| 31-12-2011 | abbreviated format | 29-08-2012 | 2012-50200378 | |
| 31-12-2010 | abbreviated format | 24-06-2011 | 2011-21100544 | |
| 31-12-2009 | abbreviated format | 29-06-2010 | 2010-25100593 | |
| 31-12-2008 | abbreviated format | 24-07-2009 | 2009-46300338 | |
| 31-12-2007 | abbreviated format | 25-07-2008 | 2008-47300159 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 6,760 | 2,348 | 17,000 | 0 | -5 | 112,919 | 131,207 | 283,410 | 14,678 | 1,819 | 26,964 | 99,498 | 2,267 | 2,040 | 13,468 | 63,748 | 97,943 | 200,302 | ||
| 1,776 | 58,216 | 4,319 | -11,749 | 20,521 | -14,992 | 17,779 | -3,655 | 301 | -4,089 | -76,600 | 21,295 | 59,523 | -11,912 | - | - | 7,193 | 2,337 | - | ||
| 59.3% | 48.6% | 48.5% | 37.1% | 32.4% | 26.1% | 28.9% | 29.9% | 30.6% | 76.0% | 50.8% | 43.5% | 39.0% | 42.0% | 33.4% | 22.7% | 15.8% | 16.9% | 23.4% | ||
| 9.7% | 7.8% | 16.4% | 11.6% | 24.9% | -24.0% | 3.1% | -11.6% | 3.8% | 4.1% | 7.8% | 8.4% | 4.0% | 13.8% | 26.7% | 24.4% | 6.3% | -9.5% | 43.1% | ||
| 5.7% | 3.8% | 7.9% | 4.3% | 8.1% | -6.3% | 0.9% | -3.5% | 1.2% | 3.1% | 4.0% | 3.7% | 1.6% | 5.8% | 8.9% | 5.5% | 1.0% | -1.6% | 10.1% |
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.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Debts secured on the company's own assets | - | €101,143 | €138,075 | €173,413 | €207,164 |
| Mortgages, amount registered | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 |
| €175,000 | €175,000 | €175,000 | €175,000 | €175,000 | |
| Carrying value of the mortgaged assets | €329,162 | €341,939 | €354,610 | €366,109 | €377,609 |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €6,760 | €2,348 | €17,000 | - |
| Financial fixed assets | €0 | €0 | - | - | - |
| €28,277 | €31,425 | €28,976 | €25,976 | €25,827 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 13% higher than in 2024. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 51.4% to 40.7%. Equity is higher and debt is lower.
LIBRA has no parent and no holdings in its annual accounts. Catherine Francotte is the only director.
| PULSUS via Catherine Francotte, no longer at PULSUS · Director · deed of 14-07-2023 founded in 2016 |
7.8 FTE (2025) |
The network starts from the earlier ties.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Kwakkel 25 registered office 9170 Sint-Gillis-Waas 46190 Agents in non-specialised wholesale trade | 05-05-2006 | 2.153.358.923 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 46022B0887/00D000 | 5,113 m² | 1 · 233 m² | 7.9 m · 2 |
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