LIBRETT
ActiveLIBRETT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165k and a net result of €41k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 30% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 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
Profitability78▼-22
Solvency55▼-41
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 3.07 in 2024; short-term debt: 6.1% and cash: 7.8% of total assets), but 69.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
30.1%
Return on assets
7.5%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
17 d early
2024
38 d early
2023
41 d early
2022
20 d early
2021
41 d early
2020
39 d early
2019
48 d late
← 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, micro schema
Equity
€165k▲ 33.4%
2024 · €123k
2018: €62k
2019: €116k
2020: €118k
2021: €62k
2022: €24k
2023: €81k
2024: €123k
2018 → 2025
Total assets
€547k▲ 215%
2024 · €174k
2018: €73k
2019: €134k
2020: €170k
2021: €161k
2022: €137k
2023: €106k
2024: €174k
2018 → 2025
Net result
€41k▼ 47.6%
2024 · €79k
2018: €24k
2019: €55k
2020: €33k
2021: €32k
2022: €62k
2023: €67k
2024: €79k
2018 → 2025
Working capital
€37k▼ 64.8%
2024 · €104k
2018: €54k
2019: €112k
2020: €113k
2021: €54k
2022: €13k
2023: €67k
2024: €104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€24k▼ 61.4%€81k▲ 237%€123k▲ 52.9%€165k▲ 33.4%
Operating result€42k-€78k▲ 88.5%€85k▲ 8.0%€100k▲ 18.0%€62k▼ 37.6%
Net result€32k-€62k▲ 92.0%€67k▲ 7.7%€79k▲ 17.9%€41k▼ 47.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €547k
Fixed assets
€477k▲ 2,389%
Current assets
€70k▼ 54.9%
Equity and liabilities €547k
Equity
€165k▲ 33.4%
Debt
€382k▲ 659%
The debt ratio rises from 29.0% to 69.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€83k▼
2024 · €108k
Cash flow
€62k▼
2024 · €86k
Solvency
30.1%▼
2024 · 71.0%
Current ratio
2.11▼
2024 · 3.07
Quick ratio
2.11▼
2024 · 3.07
Debt / equity
2.32▲
2024 · 0.41
ROE
25.0%▼
2024 · 63.8%
ROA
7.5%▼
2024 · 45.3%
Interest coverage
9.07▼
2024 · 696.38
Debt
€382k▲
2024 · €50k
Debt ≤ 1 year
€33k▼
2024 · €50k
Debt > 1 year
€348k
Income taxes
€12k▼
2024 · €21k
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€174k€547k▲
Fixed assets21/28€19k€477k▲
Tangible fixed assets22/27€19k€477k▲
Land and buildings22-€467k
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€16k€8k▼
Current assets29/58€155k€70k▼
Amounts receivable within one year40/41€39k€26k▼
Trade receivables40€38k€23k▼
Other amounts receivable41€613€3k▲
Cash at bank and in hand54/58€115k€43k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€174k€547k▲
Equity10/15€123k€165k▲
Contributions10/11€16k€16k=
Profit (loss) carried forward14€108k€149k▲
Amounts payable17/49€50k€382k▲
Amounts payable after more than one year17-€348k
Financial debts170/4-€348k
Amounts payable within one year42/48€50k€33k▼
Current portion of amounts payable after more than one year42-€20k
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€17k€11k▼
Taxes450/3€17k€11k▼
Remuneration and social security454/9€0€0=
Other amounts payable47/48€31k€1k▼
Accrued charges and deferred income492/3-€700
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€21k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€109k€88k▼
Operating profit (loss)9901€100k€62k▼
Financial income75/76B€17€7▼
Recurring financial income75€17€7▼
Financial charges65/66B€155€9k▲
Recurring financial charges65€155€9k▲
Profit (loss) for the period before taxes9903€100k€53k▼
Income taxes67/77€21k€12k▼
Profit (loss) for the period9904€79k€41k▼
Profit (loss) for the period to be appropriated9905€79k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€144k€149k▲
Profit (loss) brought forward from the previous period14P€65k€108k▲
Profit to be distributed694/7€36k-
Return on contributions (dividend)694€36k-
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €165k ▲33.4%
8 profitable years in a row build equity to €165k.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €79k ▲17.9%
Operating result €100k, net result €79k, both a record.
31-12
Financial
Equity above €100kEq €123k ▲52.9%
7 profitable years in a row build equity to €123k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 3.69
Current ratio from 1.12 to 3.69; short-term debt falls from €113k to €25k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
31-12
Financial
Equity above €100kEq €116k ▲87.4%
2 profitable years in a row build equity to €116k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waterloo · 1 establishment unit since 2017
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.
Chemin des Postes 1731410 WaterlooGround area
622 m²
Building footprint
164 m²
Volume, LiDAR
1,505 m³
2 parcels, Brussels, Wallonia · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LIBRETT
since 20172.261.524.712
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110S0276/00B002 | Wallonia | 537 m² | 1 · 90 m² | 10.0 m · 2 fl. |
| 21906D0054/00P015 | Brussels | 86 m² | 1 · 73 m² | 15.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,730 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.