Libumed
ActiveLibumed has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €101k. Equity is shrinking by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 16377 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -35 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26▼-72
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 2.32 in 2024), and 83.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
16.1%
Return on assets
45.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 16377 sector peers (2025).
NBB · sector comparisonPosition among 16377 sector peers
Solvency
better than 18%
← weakest
strongest →
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 02-06-2026, 59 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
59 d early
2024
146 d early
2023
96 d early
2022
152 d early
2021
95 d early
2020
18 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▼ 77.0%
2024 · €155k
2020: €97k
2021: €181k
2022: €251k
2023: €147k
2024: €155k
2020 → 2025
Total assets
€221k▼ 18.6%
2024 · €272k
2020: €122k
2021: €199k
2022: €263k
2023: €226k
2024: €272k
2020 → 2025
Net result
€101k▼ 6.2%
2024 · €107k
2020: €92k
2021: €84k
2022: €70k
2023: €84k
2024: €107k
2020 → 2025
Working capital
€35k▼ 77.2%
2024 · €154k
2020: €81k
2021: €170k
2022: €246k
2023: €145k
2024: €154k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€181k-€251k▲ 38.8%€147k▼ 41.3%€155k▲ 5.1%€36k▼ 77.0%
Operating result€106k-€86k▼ 18.3%€103k▲ 19.5%€135k▲ 31.2%€131k▼ 2.9%
Net result€84k-€70k▼ 16.5%€84k▲ 19.9%€107k▲ 27.8%€101k▼ 6.2%
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 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€414▼ 49.3%
Current assets
€221k▼ 18.5%
Equity and liabilities €221k
Equity
€36k▼ 77.0%
Debt
€185k▲ 58.8%
The debt ratio rises from 43.0% to 83.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€132k▼
2024 · €136k
Cash flow
€101k▼
2024 · €109k
Solvency
16.1%▼
2024 · 57.0%
Current ratio
1.19▼
2024 · 2.32
Quick ratio
1.19▼
2024 · 2.32
Debt / equity
5.22▲
2024 · 0.75
ROE
283.8%▲
2024 · 69.4%
ROA
45.6%▲
2024 · 39.6%
Interest coverage
58.50▼
2024 · 135.82
Debt
€185k▲
2024 · €117k
Debt ≤ 1 year
€185k▲
2024 · €117k
Income taxes
€28k▼
2024 · €31k
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€272k€221k▼
Fixed assets21/28€816€414▼
Tangible fixed assets22/27€816€414▼
Furniture and vehicles24€816€414▼
Current assets29/58€271k€221k▼
Amounts receivable after more than one year29€43k-
Other amounts receivable291€43k-
Amounts receivable within one year40/41€85k€17k▼
Other amounts receivable41€85k€17k▼
Current investments50/53-€127k
Cash at bank and in hand54/58€143k€75k▼
Deferred charges and accrued income490/1€160€1k▲
Equity and liabilities
Total equity and liabilities10/49€272k€221k▼
Equity10/15€155k€36k▼
Contributions10/11€5k€5k=
Reserves13€150k€31k▼
Distributable reserves133€150k€31k▼
Amounts payable17/49€117k€185k▲
Amounts payable within one year42/48€117k€185k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€15k€35k▲
Taxes450/3€11k€35k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€100k€147k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€402▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€138k€133k▼
Operating profit (loss)9901€135k€131k▼
Financial income75/76B€4k€175▼
Recurring financial income75€4k€175▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€138k€129k▼
Income taxes67/77€31k€28k▼
Profit (loss) for the period9904€107k€101k▼
Profit (loss) for the period to be appropriated9905€107k€101k▼
Appropriation of the result
Profit (loss) to be appropriated9906€107k€101k▼
Transfer from equity791/2-€120k
Transfer to equity691/2€7k€798▼
To other reserves6921€7k€798▼
Profit to be distributed694/7€100k€220k▲
Return on contributions (dividend)694€100k€220k▲
The notes to these accounts (4 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €107k ▲27.8%
Operating result €135k, net result €107k, both a record.
31-12
Financial
Equity above €150kEq €155k ▲5.1%
5 profitable years in a row build equity to €155k.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €70k ▼16.5%
Net result drops to €70k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 21.90
Current ratio from 10.04 to 21.90; short-term debt falls from €19k to €12k.
31-12
Financial
Equity above €200kEq €251k ▲38.8%
3 profitable years in a row build equity to €251k.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 10.04
Current ratio from 4.26 to 10.04; short-term debt falls from €25k to €19k.
31-12
Financial
Equity above €150kEq €181k ▲86.9%
2 profitable years in a row build equity to €181k.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2020
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.
Oude Waag 112000 AntwerpenGround area
1.4 ha
Building footprint
2,409 m²
Volume, LiDAR
31,819 m³
2 parcels, Flanders · tallest building 16.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Libumed
since 20202.302.850.967
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44082B0344/00L000 | Flanders | 1.4 ha | 1 · 2,362 m² | 16.6 m · 4 fl. |
| 11002A0872/00A000 | Flanders | 47 m² | 1 · 47 m² | 14.0 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 16,602 companies in sector 86220 we hold annual accounts for 7,960. 4,357 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2020
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.