Lybaert Dirk
ActiveLybaert Dirk has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €897k and a net result of €237k. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 1522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 17.26 against 15.61 in 2024), and 5.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
94.6%
Return on assets
25%
Age of the figures
14 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-12-2025, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
28 d late
2023
23 d late
2022
on the day
2021
3 d early
2020
2 d early
2019
45 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€897k▲ 35.6%
2024 · €662k
2019: €150k
2020: €232k
2021: €335k
2022: €412k
2023: €564k
2024: €662k
2019 → 2025
Total assets
€949k▲ 34.4%
2024 · €706k
2019: €264k
2020: €363k
2021: €405k
2022: €517k
2023: €668k
2024: €706k
2019 → 2025
Net result
€237k▲ 46.3%
2024 · €162k
2019: €32k
2020: €81k
2021: €104k
2022: €121k
2023: €152k
2024: €162k
2019 → 2025
Working capital
€839k▲ 46.0%
2024 · €574k
2019: €118k
2020: €191k
2021: €262k
2022: €337k
2023: €453k
2024: €574k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€335k-€412k▲ 22.9%€564k▲ 36.9%€662k▲ 17.2%€897k▲ 35.6%
Operating result€143k-€177k▲ 23.7%€223k▲ 25.6%€240k▲ 7.9%€353k▲ 46.9%
Net result€104k-€121k▲ 16.5%€152k▲ 26.0%€162k▲ 6.5%€237k▲ 46.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 47% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €949k
Fixed assets
€59k▼ 36.5%
Current assets
€890k▲ 45.1%
Equity and liabilities €949k
Equity
€897k▲ 35.6%
Debt
€52k▲ 15.8%
The debt ratio falls from 6.3% to 5.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€391k▲
2024 · €278k
Cash flow
€275k▲
2024 · €200k
Solvency
94.6%▲
2024 · 93.7%
Current ratio
17.26▲
2024 · 15.61
Quick ratio
17.00▲
2024 · 15.32
Debt / equity
0.06▼
2024 · 0.07
ROE
26.5%▲
2024 · 24.5%
ROA
25.0%▲
2024 · 23.0%
Interest coverage
926.65▲
2024 · 723.70
Debt
€52k▲
2024 · €45k
Debt ≤ 1 year
€52k▲
2024 · €39k
Income taxes
€115k▲
2024 · €78k
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€706k€949k▲
Fixed assets21/28€93k€59k▼
Intangible fixed assets21€250-
Tangible fixed assets22/27€92k€59k▼
Plant, machinery and equipment23€21k€14k▼
Furniture and vehicles24€60k€37k▼
Other tangible fixed assets26€12k€7k▼
Current assets29/58€613k€890k▲
Stocks and contracts in progress3€11k€13k▲
Stocks30/36€11k€13k▲
Amounts receivable within one year40/41€120k€161k▲
Trade receivables40€120k€138k▲
Other amounts receivable41-€23k
Cash at bank and in hand54/58€482k€712k▲
Deferred charges and accrued income490/1€601€4k▲
Equity and liabilities
Total equity and liabilities10/49€706k€949k▲
Equity10/15€662k€897k▲
Contributions10/11€19k€19k=
Reserves13€643k€879k▲
Distributable reserves133€643k€879k▲
Amounts payable17/49€45k€52k▲
Amounts payable within one year42/48€39k€52k▲
Trade debts44€7k€17k▲
Suppliers440/4€7k€17k▲
Taxes, remuneration and social security45€25k€32k▲
Taxes450/3€25k€32k▲
Other amounts payable47/48€7k€2k▼
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€281k€392k▲
Operating profit (loss)9901€240k€353k▲
Financial charges65/66B€384€422▲
Recurring financial charges65€384€422▲
Profit (loss) for the period before taxes9903€240k€352k▲
Income taxes67/77€78k€115k▲
Profit (loss) for the period9904€162k€237k▲
Profit (loss) for the period to be appropriated9905€162k€237k▲
Appropriation of the result
Profit (loss) to be appropriated9906€162k€237k▲
Transfer from equity791/2€65k-
Transfer to equity691/2€162k€236k▲
To other reserves6921€162k€236k▲
Profit to be distributed694/7€65k€2k▼
Return on contributions (dividend)694€65k€2k▼
The notes to these accounts (12 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
2025
04-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €237k ▲46.3%
Operating result €353k, net result €237k, both a record.
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-06
Financial
Liquidity triplescurrent ratio 15.61
Current ratio from 5.51 to 15.61; short-term debt falls from €101k to €39k.
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
30-06
Financial
Equity above €500kEq €564k ▲36.9%
5 profitable years in a row build equity to €564k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €200kEq €232k ▲54.1%
2 profitable years in a row build equity to €232k.
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lokeren · 1 establishment unit since 2014
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.
Hemelseschoot 29160 LokerenGround area
5,351 m²
Building footprint
323 m²
Volume, LiDAR
1,766 m³
2 parcels, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LYBAERT DIRK
since 20142.239.037.736
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46007D1041/00F000 | Flanders | 3,591 m² | 1 · 166 m² | 8.4 m · 2 fl. |
| 46007A0278/00Z000 | Flanders | 1,760 m² | 1 · 157 m² | 6.9 m · 1 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 4,201 companies in sector 10712 we hold annual accounts for 1,851. 966 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2014
Fiscal year end30-06
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.