LIBRIMMO
ActiveSummary
LIBRIMMO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €163k and a net result of €42k. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 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
Profitability73▲+15
Solvency38▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.1 against 0.07 in 2024; short-term debt: 18.2% and cash: 1% of total assets), and 87% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 68
Relative position
BE, all sectors
reference
Sector 68
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
13%
Return on assets
3.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €163k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d early
2023
15 d early
2022
24 d early
2021
37 d early
2020
181 d late
2019
47 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€42k
2024 · €-15k
2018: €-74k
2019: €-101k
2020: €2k
2021: €-15k
2022: €-10k
2023: €-24k
2024: €-15k
2018 → 2025
Working capital
€-205k▲ 11.7%
2024 · €-232k
2018: €-72k
2019: €-116k
2020: €-97k
2021: €-142k
2022: €-158k
2023: €-170k
2024: €-232k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€170k-€160k▼ 5.9%€136k▼ 14.8%€121k▼ 11.0%€163k▲ 34.5%
Operating result€-2k-€-558▲ 72.5%€-16k▼ 2,798%€-1k▲ 91.1%€55k
Net result€-15k-€-10k▲ 30.9%€-24k▼ 136%€-15k▲ 37.0%€42k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €55k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€1.23M ▼ 4.8%
Current assets
€23k ▲ 41.1%
Equity and liabilities €1.25M
Equity
€163k ▲ 34.5%
Debt
€1.09M ▼ 8.1%
Debt's share of the balance-sheet total falls from 90.7% to 87.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€123k▲
2024 · €66k
Cash flow
€110k▲
2024 · €52k
Current ratio
0.10▲
2024 · 0.07
Debt to equity
6.68▼
2024 · 9.78
ROE
25.6%▲
2024 · -12.3%
ROA
3.3%▲
2024 · -1.1%
Interest coverage
9.16▲
2024 · 4.85
Debt ≤ 1 year
€227k▼
2024 · €248k
Debt > 1 year
€861k▼
2024 · €937k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.31M€1.25M▼
Fixed assets21/28€1.29M€1.23M▼
Tangible fixed assets22/27€1.29M€1.23M▼
Land and buildings22€1.15M€1.11M▼
Plant, machinery and equipment23€135k€117k▼
Current assets29/58€16k€23k▲
Amounts receivable within one year40/41€13k€10k▼
Trade receivables40€12k€10k▼
Other amounts receivable41€289-
Cash at bank and in hand54/58€2k€12k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.25M▼
Equity10/15€121k€163k▲
Contributions10/11€598k€598k=
Reserves13€7k€7k=
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Profit (loss) carried forward14€-484k€-442k▲
Amounts payable17/49€1.18M€1.09M▼
Amounts payable after more than one year17€937k€861k▼
Financial debts170/4€937k€861k▼
Amounts payable within one year42/48€248k€227k▼
Current portion of amounts payable after more than one year42€75k€76k▲
Trade debts44€46k€5k▼
Suppliers440/4€46k€5k▼
Taxes, remuneration and social security45-€428
Taxes450/3-€428
Other amounts payable47/48€127k€146k▲
Income statement
Code20242025
Non-recurring operating income76A€633-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€68k▲
Other operating charges640/8€10k€10k▲
Gross operating margin9900€76k€134k▲
Operating profit (loss)9901€-1k€55k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€-15k€42k▲
Profit (loss) for the period9904€-15k€42k▲
Profit (loss) for the period to be appropriated9905€-15k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-484k€-442k▲
Profit (loss) brought forward from the previous period14P€-469k€-484k▼
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €42k
Net result €42k after 4 loss-making years.
31-12
Financial
Equity above €150kEq €163k ▲34.5%
Equity rises from €121k to €163k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 181 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 47 days late
2019
31-12
Financial
Weakest financial yearnet €-101k
Net result drops to €-101k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Libramont-Chevigny · 1 establishment unit since 2016
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.
Recogne,Avenue de Bouillon 786800 Libramont-Chevigny1 establishment unit
Libramont,Avenue de Bouillon 78, 6800 Libramont-Chevigny
since 20162.255.261.876
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 5,342 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filings
Scores and ratios are computed by Checked and are not a credit decision.