LIBRE TOIT
ActiveLIBRE TOIT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235k and a net result of €7k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 7744 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-8
Solvency73▼-12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 2.35 in 2024; short-term debt: 51.9% and cash: 45.6% of total assets), but 51.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
48.1%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 filingsDeviation from the deadline
2025
47 d late
2024
71 d late
2023
8 d early
2022
47 d early
2021
12 d early
2020
44 d early
2019
21 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€235k▼ 20.1%
2024 · €294k
2018: €97k
2019: €135k
2020: €148k
2021: €236k
2022: €238k
2023: €260k
2024: €294k
2018 → 2025
Total assets
€489k▼ 0.3%
2024 · €491k
2018: €181k
2019: €295k
2020: €285k
2021: €297k
2022: €336k
2023: €419k
2024: €491k
2018 → 2025
Net result
€7k▼ 80.6%
2024 · €35k
2018: €6k
2019: €38k
2020: €13k
2021: €111k
2022: €23k
2023: €27k
2024: €35k
2018 → 2025
Working capital
€221k▼ 16.7%
2024 · €265k
2018: €70k
2019: €107k
2020: €121k
2021: €227k
2022: €186k
2023: €222k
2024: €265k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€238k▲ 0.8%€260k▲ 9.1%€294k▲ 13.3%€235k▼ 20.1%
Operating result€153k-€32k▼ 79.4%€37k▲ 16.2%€41k▲ 12.0%€8k▼ 80.2%
Net result€111k-€23k▼ 79.2%€27k▲ 16.5%€35k▲ 29.1%€7k▼ 80.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 80% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €489k
Fixed assets
€14k▼ 50.4%
Current assets
€475k▲ 2.8%
Equity and liabilities €489k
Equity
€235k▼ 20.1%
Debt
€254k▲ 29.2%
The debt ratio rises from 40.1% to 51.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €56k
Cash flow
€21k▼
2024 · €50k
Solvency
48.1%▼
2024 · 59.9%
Current ratio
1.87▼
2024 · 2.35
Quick ratio
1.87▼
2024 · 2.35
Debt / equity
1.08▲
2024 · 0.67
ROE
2.9%▼
2024 · 11.8%
ROA
1.4%▼
2024 · 7.0%
Interest coverage
110.51▼
2024 · 255.02
Debt
€254k▲
2024 · €197k
Debt ≤ 1 year
€254k▲
2024 · €197k
Income taxes
€4k▼
2024 · €10k
Staff costs
€130k▲
2024 · €70k
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€491k€489k▼
Fixed assets21/28€29k€14k▼
Tangible fixed assets22/27€29k€14k▼
Plant, machinery and equipment23€1k€539▼
Furniture and vehicles24€28k€14k▼
Financial fixed assets28€125€125=
Current assets29/58€462k€475k▲
Amounts receivable after more than one year29€209k€209k=
Other amounts receivable291€209k€209k=
Amounts receivable within one year40/41€33k€35k▲
Trade receivables40€24k€5k▼
Other amounts receivable41€10k€30k▲
Cash at bank and in hand54/58€212k€223k▲
Deferred charges and accrued income490/1€7k€7k=
Equity and liabilities
Total equity and liabilities10/49€491k€489k▼
Equity10/15€294k€235k▼
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€247k€184k▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€242k€180k▼
Profit (loss) carried forward14€35k€38k▲
Amounts payable17/49€197k€254k▲
Amounts payable within one year42/48€197k€254k▲
Trade debts44€14k€17k▲
Suppliers440/4€14k€17k▲
Advances received on contracts in progress46€145k€83k▼
Taxes, remuneration and social security45€18k€23k▲
Taxes450/3€15k€18k▲
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€20k€132k▲
Accrued charges and deferred income492/3-€0
Income statement
Code20242025
Remuneration, social security and pensions62€70k€130k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€1k€220▼
Gross operating margin9900€127k€153k▲
Operating profit (loss)9901€41k€8k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€220€206▼
Recurring financial charges65€220€206▼
Profit (loss) for the period before taxes9903€44k€11k▼
Income taxes67/77€10k€4k▼
Profit (loss) for the period9904€35k€7k▼
Profit (loss) for the period to be appropriated9905€35k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€42k▲
Profit (loss) brought forward from the previous period14P€343€35k▲
Transfer from equity791/2-€63k
Profit to be distributed694/7-€66k
Return on contributions (dividend)694-€66k
The notes to these accounts (6 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 47 days late
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €111k ▲742%
Operating result €153k, net result €111k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.09
Current ratio from 1.90 to 5.09; short-term debt falls from €135k to €56k.
31-12
Financial
Equity above €200kEq €236k ▲59.1%
4 profitable years in a row build equity to €236k.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €135k ▲39%
2 profitable years in a row build equity to €135k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-05
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Beauvechain · 1 establishment unit since 2004
Ground area
891 m²
Building footprint
189 m²
Volume, LiDAR
1,583 m³
Parcel 25103E0643/00P000, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LIBRE-TOIT
since 20042.138.934.429
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25103E0643/00P000 | Wallonia | 891 m² | 1 · 189 m² | 10.1 m · 3 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 8,564 companies in sector 43410 we hold annual accounts for 4,354. 3,512 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2004
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.libretoit.be
Phone:0497447006