Debts
€1.0m 98% of the balance sheet
Suppliers 38%Taxes and wages 3%Other 59%
LIBRA MANAGEMENT
Overview
Lifetime
1 annual account with figurespeak €119,590 (2025)
€119,590
peak €26,901 (2025)
€26,901
peak €20,504 (2025)
€20,504
€1.0m
peak 0.9 FTE (2025)
0.9 FTE
Board2 names since 2024
2 directorsHanine ESSAHELI and 1 other
Owners
100%LIBRA GROUP
Documentsfilings and deeds
30-07-20261 day before the deadline
2025abbreviated format
Dividend €8,396First year with figures
Key points
from the 2025 annual accountsAt the same address
62 companies
Position in the sector
2.0%
Lower solvency than 85% of companies in office administrative support. Sector median 41.3% · 2,829 companies.
Checked score
86
Excellent
Financially stronger than 31% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.6%
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.7%▲ +0.1 percentage points vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026highest value
07-2026: 0.7%● unchanged vs 06-2026highest value
08-2026: 0.2%▼ -0.5 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Equity €20,504 (2.0% of total assets)
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Liquidity: current ratio 1.02, cash €613,139
Size: 0.9 FTE, total assets €1.0m
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 82, micro). It does better than 15% of them on solvency, 37% on liquidity and 41% on profitability.
The bankruptcy probability was computed on 09-11-2026 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, 514 companies had the same profile as LIBRA MANAGEMENT has now. Each dot stands for 2 companies, two years later.
96.9%
were still trading
1.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of LIBRA MANAGEMENT itself is lower: 0.2% within 12 months. It rests on far more data about LIBRA MANAGEMENT than the profile alone.
Test of the method
The method was tested on the 497,447 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 514 companies, not a prediction for LIBRA MANAGEMENT. 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 €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.02, below the usual 1.5. Short-term debt is 98% and cash 58.8% of total assets. 98% 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
Seven signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2829 sector peers (2025).
NBB · sector comparisonPosition among 2829 sector peers
Solvency
better than 15%
← weakest
strongest →
raises risk · Young company
Founded in 2024, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 30-07-2026, 1 day ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
1 day early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017704895
Incorporation
Founding capital of €2,000, 100 shares · Founder: LIBRA GROUP · Appointments: Hanine ESSAHELI (director) and Jabo MUTSINZI (director) · published on 23-12-2024 · Gazette deed
First establishment
Rue des Anglais 6, Ans
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LIBRA MANAGEMENT Ans | €1.0m | €119,590 | 2.0% | 0.9 |
| AS Investments Group Berlaar | €0.6m | €114,242 | 5.7% | 1.5 |
| #SustainableHub Brussels | €1.2m | €220,777 | 27.1% | 0 |
| BC Jinvest Sint-Katelijne-Waver | €1.4m | €92,059 | -27.4% | 0.8 |
| Thuraxe Moorslede | €0.6m | €76,250 | 34.4% | 0 |
| THE SMILING COMPANY Faimes | €0.5m | €81,235 | 0.5% | 1.2 |
| FeluyMed Seneffe | €0.8m | €125,700 | 18.1% | 0.8 |
These companies have the same main activity as LIBRA MANAGEMENT: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €451,000 and €1.4m, founded between 2020 and 2023.
Official details
Source: KBO- Status
- Active since 19-12-2024Normal situation
- Registered office
- 63 active companies are registered at this address4 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Office administrative and support servicesNACE 82100
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.368.846.6014430 Ans, since 19-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Annual accounts 2025
- €119,590
- ≈ €200,000estimated
- €26,901
- €20,504
- €1.0m
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on LIBRA MANAGEMENT
LIBRA MANAGEMENT has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,504 and a net result of €26,901.
Its solvency ranks better than 15% of 2,829 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 30-07-2026, 1 day before the deadline€119,590
€35,912
€26,901
€19,728
2.0%
1.02
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €200,000. Estimated: probably between €150,000 and €330,000.
Balance sheet
balance sheet total €1.0m on 31-12-2025What the company ownsHow it is paid for
Position in the sector
2.0%
Higher than 15% of 2,829 companies in 2025.
1.02
Higher than 38% of 2,718 companies in 2025.
2.6%
Higher than 44% of 2,776 companies in 2025.
LIBRA MANAGEMENT
Middle half of the sector
80% of the sector
Abbreviated accounts in office administrative support (NACE 82)
Net result: middle half · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half · Staff: middle half
Staff
€92,267
Staff costs divided by the average number of full-time equivalents.
+1 person
people who joined
people who left
In 2025, 1 person joined and nobody left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
1.0m | |
21/28 |
776 | |
22/27 |
776 | |
24 |
776 | |
29/58 |
1.0m | |
40/41 |
408,858 | |
40 |
358,171 | |
41 |
50,687 | |
54/58 |
613,139 | |
490/1 |
20,172 | |
| Balance sheet: equity and liabilities | ||
10/49 |
1.0m | |
10/15 |
20,504 | |
10/11 |
2,000 | |
13 |
15,000 | |
133 |
15,000 | |
14 |
3,504 | |
17/49 |
1.0m | |
42/48 |
1.0m | |
44 |
387,663 | |
440/4 |
387,663 | |
45 |
35,345 | |
450/3 |
28,212 | |
454/9 |
7,133 | |
47/48 |
599,433 | |
| Income statement | ||
9900 |
119,590 | |
62 |
83,040 | |
630 |
26 | |
640/8 |
612 | |
9901 |
35,912 | |
75/76B |
0 | |
75 |
0 | |
65/66B |
45 | |
65 |
45 | |
9903 |
35,868 | |
67/77 |
8,967 | |
9904 |
26,901 | |
9905 |
26,901 | |
| Appropriation of the result | ||
9906 |
26,901 | |
691/2 |
15,000 | |
6921 |
15,000 | |
694/7 |
8,396 | |
694 |
8,396 | |
| Social balance sheet | ||
9087 |
0.9 | |
Hours worked1013 |
1,486 | |
| 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 30-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 30-07-2026 | 2026-00354688 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 35,938 | ||
| 26,926 | ||
| 802 | ||
| 19,728 | ||
| 2.0% | ||
| 1.02 | ||
| 49.86 | ||
| 131.2% | ||
| 2.6% | ||
| over 100 |
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.
Social balance sheet
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 1 |
| full-time | 0 |
| part-time | 1 |
| in full-time equivalents | 0.9 |
| 0.9 | |
| On a permanent contract | 1 |
| Joined | 1 |
| Left | 0 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €802 |
| €26 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on LIBRA MANAGEMENT
Debt's share of the balance-sheet total is 98.0%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
appointed by deed of 23-12-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 30-07-2026
Director (not named in the articles)
appointed by deed of 23-12-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 30-07-2026
Mandates through the years
2 names, the dashed line is todayHanine ESSAHELI
Director (not named in the articles)
Director (not named in the articles)
Jabo MUTSINZI
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Hanine ESSAHELI
- Director (not named in the articles), appointed by deed of 23-12-2024, still in office
- Jabo MUTSINZI
- Director (not named in the articles), appointed by deed of 23-12-2024, still in office
Control
100%
This company
LIBRA MANAGEMENT
Equity €20,504
Profit €26,901 in 2025
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €205 in 2025
- Source
- deed of 23-12-2024
Articles of association
deed of 23-12-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitie cedant moitie acquereurs au prorata si plusieurs, actions dont cession proposee”
Capital transactions
Shareholders according to the deeds
At incorporation
deed of 23-12-2024 ↗
- LIBRA GROUP (BE 0687.884.705) 100 shares (100%) · in cash
Capital over time
- 23-12-2024 Incorporation · €2,000 · 100 shares
Network & group
Group
LIBRA GROUP has 9 direct subsidiaries in 3 countries (accounts to 30-06-2025)Belgium 7 Year Equity Result
- BE LIBRA - Management 2025€20,504 result €26,901 (2025)
- BE DSC ACCOUNTING 2025€283,941 result €79,282 (2025)
- BE LIBRA - AUDIT & ASSURANCE 2025€125,000 result €157,539 (2025)
- BE LIBRA - TAX & ACCOUNTANCY 2025€50,612 result €2,604 (2025)
- BE LIBRA - Tax & Accountancy - Basse-Meuse 2025€49,696 result €8,703 (2025)
- BE LIBRA TAX & ACCOUNTANCY - HAINAUT 2025€24,532 result €23,297 (2025)
- BE LIBRA TAX & ACCOUNTANCY - CENTRE70% 2025€21,695 result €18,695 (2025)
Europe 1 Year Equity Result
- LU LIBRA - LUXEMBOURG 2024€88,274 result €5,888 (2024)
Africa 1 Year Equity Result
- MA LAM - LIBRA AUDIT MAROC 2024MAD 163,992 result MAD 152,382 (2024)
Source: list of holdings in the 30-06-2025 accounts of LIBRA GROUP. Holdings that file themselves stand with their latest accounts, the others with the amounts of that list, in their own currency.
Part of the group LIBRA GROUP Group, risk and exposureAt the same address
Rue des Anglais 6, 4430 Ans · 62 other companies| Entreprises Gilles Moury
registered office since 01-01-1965 · founded in 1964 · group MOURY CONSTRUCT |
145 FTE (2025) 0403.907.307 |
| MOURY CONSTRUCT
registered office since 23-11-1973 · founded in 1973 |
total assets €85.3m (2025) 0413.821.301 |
| UKOT Liège
registered office since 28-02-2023 · founded in 2023 |
turnover €1.5m (2025) 0798.942.973 |
| TRILOGIS PARK
registered office since 21-03-2005 · founded in 2005 |
total assets €26.9m (2025) 0872.637.437 |
| MONTEFIORE DEVELOPMENT
registered office since 01-02-2019 · founded in 2019 |
total assets €26.6m (2025) 0719.736.238 |
| BelMo Real Estate
registered office since 29-03-2024 · founded in 2024 |
total assets €12.5m (2025) 1007.766.949 |
| MOURY PROMOTION
establishment since 22-12-1999 · founded in 1999 |
total assets €5.6m (2025) 0466.301.566 |
| LA BELLE LIEGEOISE
registered office since 03-03-2025 · founded in 2025 |
total assets €5.3m (2025) 1020.608.561 |
| MAGRITTE IMMO
registered office since 10-11-2023 · founded in 2023 |
total assets €4.0m (2025) 1002.173.712 |
| LIBRA GROUP
registered office since 12-01-2018 · founded in 2018 |
total assets €3.5m (2025) 0687.884.705 |
Connections & network
2 current directorsThe network starts from the directors of LIBRA MANAGEMENT. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBabbreviated format · 1 day before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1017704895
2024
IncorporationFounding capital of €2,000, 100 shares · Founder: LIBRA GROUP · Appointments: Hanine ESSAHELI (director) and Jabo MUTSINZI (director) · published on 23-12-20246 points ▸
- Founder, LIBRA GROUP
- Founding capital, €2,000, 100 shares
- Registered office clause, 4430-Ans, rue des Anglais 6, boîte A
- Director appointment, Hanine ESSAHELI (director (not named in the articles))
- Director appointment, Jabo MUTSINZI (director (not named in the articles))
- Board rule, 2
- The deed holds 3 more points.
First establishment Rue des Anglais 6, Ans
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.704.895
- VAT number
- BE 1017.704.895
- Peppol ID
- 0208:1017704895
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 19-12-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 23-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- LIBRA MANAGEMENT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 23-12-2024 (in French)
Activities
NACEBEL 2025VAT activities
82100
Office administrative and support services main activity
Social security (RSZ) activities
82100
Office administrative and support services main activity
Joint committees annual accounts 2025
JC 200
Auxiliary committee for white-collar workers
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Les activités de secrétariat,d’aide à la gestion et,plus généralement,la prestation de tous services en matières administrative et…”deed of 23-12-2024 (in French)
6 activities
- Les activités de secrétariat,d’aide à la gestion et,plus généralement,la prestation de tous services en matières administrative et commerciale,tant au profit des sociétés du groupe dont elle fait partie que pour des clients extérieurs au groupe
- La prise de participations,directe ou indirecte,dans toutes sociétés ou entreprises économiques,industrielles,financières,mobilières ou immobilières et l'apport de tout concours notamment par l’octroi de prêts et financements,de garanties,etc.
- La gestion,l'administration,la direction et/ou l'organisation au sens large de toutes sociétés ou entreprises,belges ou étrangères et le contrôle de leur gestion,ainsi que l'exercice de tous mandats ou fonctions (administrateur,délégué à la gestion journalière,gérant,membre de conseil de direction ou de surveillance,liquidateur,etc.),dans d’autres sociétés belges ou étrangères et la représentation des sociétés dans le cadre des mandats ou fonctions qui lui auront été attribués
- Le conseil en organisation,gestion et développement d'entreprises
- Le conseil et la prestation de services notamment en matière commerciale,administrative,comptable ou financière
- La gestion,dans le sens le plus large du terme,l’amélioration,la mise en valeur et l’administration du patrimoine immobilier ou mobilier dont elle est propriétaire ou dont elle fera ultérieurement l’acquisition par toute voie
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue des Anglais 6 registered office 4430 Ans 70200 Business and other management consultancy | 19-12-2024 | 2.368.846.601 |
Buildings and parcels at the address
- Ground area
- 1.2 ha
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62332B0085/00C000 | 1.2 ha | - | - |