LIBRAFISC
ActiveSummary
LIBRAFISC has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130,902 and a net result of €4,438. Equity has been growing by about 11% per year since 2018. Its solvency ranks better than 44% of 10,798 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 01-10-2008 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 1 other
- Joint committee
- 336 Paritair Comité voor de vrije beroepen · annual accounts 2023
- Establishment unit
- 2.196.465.030 6800 Libramont-Chevigny, since 01-10-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 08-09-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €101,616
- ▼ 6.0%
- Turnover
- ≈ €160,000
- estimated
- Profit
- €4,438
- ▼ 64.2%
- Equity
- €130,902
- ▲ 3.5%
- Total assets
- €287,553
- ▲ 32.5%
- Employees on 31-12-2025
- 2
- =
- 2025 accounts filed 76 days after the deadline
Score breakdownraises riskLast filed accounts filed 76 days late; 1 of the last 3 accounts latelowers riskLiquidity: current ratio 1.84, cash €109,666Sector: Activities of head offices; management consultancy activities (NACE 70)Equity €130,902 (45.5% of total assets)Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 70, micro). It does better than 42% of them on solvency, 62% on liquidity, 20% on profitability and 48% on growth.
The bankruptcy probability was computed on 01-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 39 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 76 days after the deadline Filed on 15 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00558237.
Annual accounts 2025 filed on 15-10-2026 at the NBB all 17 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 80% lower than in 2024 and the lowest since 2021. It is the second fall in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 2 | 2 | 2 | 2 | 2 |
| full-time | - | - | - | 1 | 1 |
| part-time | 2 | 2 | 2 | 1 | 1 |
| in full-time equivalents | 1.3 | 1.6 | 1.6 | 1.6 | 1.6 |
| Average over the year, in full-time equivalents | 1.3 | 1.2 | 1.6 | 1.6 | 1.6 |
| On a permanent contract | 2 | 1 | 2 | 2 | 2 |
| Joined | - | 1 | - | - | - |
| Left | - | 1 | - | - | - |
Source: social balance sheet in the 2021 to 2025 annual accounts
Comparable companies
These companies have the same main activity as LIBRAFISC: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €234,000 and €315,000, founded between 2006 and 2013.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| LIBRAFISC Libramont-Chevigny | 2008 | €287,553 | €130,902 | €101,616 | €4,438 | 1.6 | 2025 |
| CréaPME Liège | 2010 | €295,228 | €167,917 | €117,236 | €33,037 | 1.9 | 2025 |
| PERFECT + Gent | 2006 | €315,157 | €47,915 | €121,876 | -€4,784 | 2 | 2025 |
| A-CURO Alken | 2006 | €261,690 | €206,935 | €113,245 | €35,211 | 1 | 2025 |
| GGWORLD Genappe | 2012 | €285,955 | €37,834 | €125,722 | €12,967 | 2 | 2024 |
| MAP DEPOT Maasmechelen | 2006 | €311,789 | €152,189 | €78,922 | €41,878 | 1 | 2025 |
| NOVEMAX Chaudfontaine | 2013 | €234,251 | -€22,590 | €103,791 | €37,107 | 1.4 | 2025 |
They were chosen from the 54,697 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 10,904 companies had the same profile as LIBRAFISC has now. Two years later, 0.7% had gone bankrupt and 95.2% were still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
That fits the bankruptcy probability of LIBRAFISC itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,445 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 10,904 companies, not a prediction for LIBRAFISC. 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €61,695 | €58,196 | €85,350 | €88,374 | €97,381 | ▲ 10.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,554 | €6,554 | €6,554 | €3,823 | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €446 | €486 | €2,677 | €916 | €400 | ▼ 56.3% |
| Gross operating margin9900 | €57,664 | €58,414 | €71,787 | €85,912 | €85,587 | €119,163 | €108,137 | €101,616 | ▼ 6.0% |
| Operating profit (loss)9901 | €19,480 | €16,096 | €2,074 | €19,947 | €26,905 | €31,136 | €18,848 | €3,835 | ▼ 79.7% |
| Financial income75/76B | - | - | - | - | - | €172 | €310 | €331 | ▲ 7.0% |
| Recurring financial income75 | €25 | €24 | €24 | - | - | €172 | €310 | €331 | ▲ 7.0% |
| Financial charges65/66B | - | - | - | €730 | €37 | €62 | €52 | €43 | ▼ 16.8% |
| Recurring financial charges65 | €1,162 | €940 | €790 | €730 | €37 | €62 | €52 | €43 | ▼ 16.8% |
| Profit (loss) for the period before taxes9903 | €18,343 | €15,181 | €1,308 | €19,217 | €26,868 | €31,246 | €19,106 | €4,124 | ▼ 78.4% |
| Income taxes67/77 | €6,034 | €5,276 | €1,089 | €7,114 | €8,590 | €10,015 | €6,695 | -€315 | - |
| Profit (loss) for the period9904 | €12,310 | €9,905 | €219 | €12,103 | €18,279 | €21,231 | €12,411 | €4,438 | ▼ 64.2% |
| Profit (loss) for the period to be appropriated9905 | €12,310 | €9,905 | €219 | €12,103 | €18,279 | €21,231 | €12,411 | €4,438 | ▼ 64.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €130,786 | €130,545 | €117,903 | €145,446 | €202,328 | €219,618 | €217,049 | €287,553 | ▲ 32.5% |
| Fixed assets21/28 | €16,932 | €10,377 | €3,823 | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €16,932 | €10,377 | €3,823 | - | - | - | - | - | - |
| Current assets29/58 | €113,854 | €120,168 | €114,080 | €145,446 | €202,328 | €219,618 | €217,049 | €287,553 | ▲ 32.5% |
| Amounts receivable within one year40/41 | €31,999 | €36,707 | €42,073 | €61,774 | €108,465 | €101,751 | €110,247 | €175,363 | ▲ 59.1% |
| Trade receivables40 | - | - | - | €60,744 | €108,465 | €101,751 | €110,247 | €175,298 | ▲ 59.0% |
| Other amounts receivable41 | - | - | - | €1,030 | - | - | - | €66 | - |
| Cash at bank and in hand54/58 | €81,735 | €82,734 | €71,924 | €83,576 | €93,759 | €117,798 | €106,727 | €109,666 | ▲ 2.8% |
| Deferred charges and accrued income490/1 | - | - | - | €97 | €104 | €69 | €75 | €2,524 | ▲ 34× |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €130,786 | €130,545 | €117,903 | €145,446 | €202,328 | €219,618 | €217,049 | €287,553 | ▲ 32.5% |
| Equity10/15 | €64,626 | €74,531 | €74,750 | €86,853 | €105,132 | €126,362 | €126,463 | €130,902 | ▲ 3.5% |
| Contributions10/11 | €17,000 | €17,000 | €17,000 | €17,000 | €17,000 | €17,000 | €17,000 | €17,000 | = |
| Capital10 | - | - | - | €17,000 | €17,000 | - | - | - | - |
| Issued capital100 | - | - | - | €20,000 | €20,000 | - | - | - | - |
| Uncalled capital101 | - | - | - | €3,000 | €3,000 | - | - | - | - |
| Contributions outside capital11 | - | - | - | - | - | €17,000 | - | - | - |
| Other1109/19 | - | - | - | - | - | €17,000 | - | - | - |
| Reserves13 | €14,310 | €24,215 | €24,215 | €36,317 | €54,596 | €75,827 | €75,928 | €80,366 | ▲ 5.8% |
| Non-distributable reserves130/1 | - | - | - | €36,317 | €54,596 | €75,827 | €75,928 | €80,366 | ▲ 5.8% |
| Legal reserve130 | - | - | - | €2,000 | €2,000 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | - | - | €2,000 | €2,000 | €2,000 | = |
| Other1319 | - | - | - | €34,317 | €52,596 | €73,827 | €73,928 | €78,366 | ▲ 6.0% |
| Profit (loss) carried forward14 | €33,316 | €33,316 | €33,535 | €33,535 | €33,535 | €33,535 | €33,535 | €33,535 | = |
| Amounts payable17/49 | €66,160 | €56,014 | €43,153 | €58,593 | €97,196 | €93,256 | €90,586 | €156,651 | ▲ 72.9% |
| Amounts payable after more than one year17 | €11,541 | €5,110 | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €46,415 | €50,837 | €42,946 | €58,367 | €82,361 | €92,953 | €90,269 | €156,638 | ▲ 73.5% |
| Trade debts44 | €14,004 | €18,994 | €6,718 | €36,195 | €61,429 | €55,428 | €58,339 | €122,308 | ▲ 110% |
| Suppliers440/4 | - | - | - | €36,195 | €61,429 | €55,428 | €58,339 | €122,308 | ▲ 110% |
| Advances received on contracts in progress46 | - | - | - | - | €1,260 | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €20,625 | €18,125 | €37,525 | €31,930 | €34,330 | ▲ 7.5% |
| Taxes450/3 | - | - | - | €11,288 | €11,683 | €21,118 | €18,596 | €15,707 | ▼ 15.5% |
| Remuneration and social security454/9 | - | - | - | €9,336 | €6,442 | €16,407 | €13,334 | €18,623 | ▲ 39.7% |
| Other amounts payable47/48 | - | - | - | €1,547 | €1,547 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €226 | €14,835 | €303 | €316 | €14 | ▼ 95.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,310 | €9,905 | €219 | €12,103 | €18,279 | €21,231 | €12,411 | €4,438 | ▼ 64.2% |
| + Depreciation and write-downs630 | €6,554 | €6,554 | €6,554 | €3,823 | - | - | - | - | - |
| Operating cash flow (approximation) | €18,864 | €16,459 | €6,774 | €15,926 | €18,279 | €21,231 | €12,411 | €4,438 | ▼ 64.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - | - | - | - |
| Change in cash | - | €999 | -€10,809 | €11,652 | €10,183 | €24,039 | -€11,070 | €2,938 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 15-10-2026 | 2026-00558237 | NBB |
| 31-12-2024 | micro format | 20-08-2025 | 2025-00385379 | |
| 31-12-2023 | micro format | 29-08-2024 | 2024-00396394 | |
| 31-12-2022 | micro format | 24-08-2023 | 2023-00349483 | |
| 31-12-2021 | micro format | 19-08-2022 | 2022-20299470 | |
| 31-12-2020 | micro format | 25-08-2021 | 2021-53200242 | |
| 31-12-2019 | micro format | 16-10-2020 | 2020-62300380 | |
| 31-12-2018 | micro format | 22-08-2019 | 2019-49000208 | |
| 31-12-2017 | micro format | 23-08-2018 | 2018-49800395 | |
| 31-12-2016 | micro format | 26-08-2017 | 2017-49900280 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 11-01-2024 Capital stated in the deed · 100 shares
Mandate history
- Board
- Other function
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| Anne-Catherine BOURCY |
|
| Michel OGER |
|
Network & group
LIBRAFISC shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of LIBRAFISC. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
11-01
Gazette deed
Resignation: Anne-Catherine BOURCY (administratrice en fonction)Reappointment: Anne-Catherine BOURCY (director) · Appointment: Michel OGER (alternate director) · Capital21 points ▸
- Other provision, “BE0806.745.040, immatriculation BCE et TVA” (deed in French)
- General meeting, “vote séparé, Assemblée générale extraordinaire des actionnaires” (deed in French)
- Other provision, “composition de l'assemblée – représentation des actions”, 100 (deed in French)
- Other provision, 2, “démissions d'actionnaires” (deed in French)
- Other provision, “documents déposés et vérifiés” (deed in French)
- Other provision, 01-10-2023, “non-conformité coopérative et régime SRL” (deed in French)
- Capital, mentioned 2 times in the deed
- Other provision, “validité de l'assemblée, majorités prévues par la Loi” (deed in French)
- Other provision, “constatation validité et résolutions à voter” (deed in French)
- Legal-form conversion, “Société à Responsabilité Limitée (SRL)” (deed in French)
- Capital conversion, “unanimité, apports statutairement indisponibles” (deed in French)
- Reserve release, “apports disponibles” (deed in French)
- The act holds 9 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 202512 activities
- L'organisation de la comptabilité et des services comptables et les activités de conseil en matière d'organisation comptable des entreprises.
- La détermination des résultats et l'établissement des comptes annuels conformément aux dispositions légales en la matière.
- L'ouverture,la tenue,la centralisation et la clôture des écritures comptables propres à l'établissement des comptes.
- La vérification et le redressement de tous les documents comptables qui ne conduisent pas à une attestation ou un rapport d'expertise destinés à être remis à des tiers.
- L'analyse par les procédés de la technique comptable de la situation et du fonctionnement des entreprises du point de vue de leur crédit,de leur rendement et de leurs risques qui ne conduit pas à une attestation ou un rapport d'expertise destinés à être remis à des tiers.
- L'expertise,tant privée que judiciaire,dans le domaine de la comptabilité des entreprises.
- Toute mission visée aux 4° à 6° exercée par un expert-comptable certifié autre que le professionnel habituel qui conduit à une attestation ou un rapport d'expertise destinés à être remis à des tiers.
- Les autres missions dont l'accomplissement est réservé par la loi ou en vertu de la loi à l'expert-comptable certifié.
- La délivrance d'avis se rapportant à toutes matières fiscales.
- L'assistance du contribuable dans l'accomplissement de ses obligations fiscales.
- La représentation du contribuable auprès de l'administration fiscale.
- L'organisation des services administratifs et le conseil sur l'organisation administrative des entreprises.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
This address was not found in the Belgian address register (BOSA BEST).
Libramont,Dessous la Ville 436800 Libramont-Chevigny