PHILIBERT
ActivePHILIBERT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.27M and a net result of €255k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+2
Solvency100▲+15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 3.37 against 1.87 in 2024; short-term debt: 16.7% and cash: 7% of total assets), and 22.8% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
77.2%
Return on assets
15.5%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
65 d early
2023
33 d early
2022
18 d early
2021
19 d late
2020
64 d early
2019
12 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.27M▲ 14.6%
2024 · €1.11M
2018: €307k
2019: €359k
2020: €452k
2021: €573k
2022: €692k
2023: €893k
2024: €1.11M
2018 → 2025
Total assets
€1.64M▼ 10.4%
2024 · €1.83M
2018: €1.28M
2019: €1.22M
2020: €1.47M
2021: €1.48M
2022: €1.54M
2023: €1.60M
2024: €1.83M
2018 → 2025
Net result
€255k▼ 1.0%
2024 · €257k
2018: €45k
2019: €94k
2020: €165k
2021: €121k
2022: €134k
2023: €223k
2024: €257k
2018 → 2025
Working capital
€651k▲ 29.5%
2024 · €503k
2018: €-140k
2019: €-101k
2020: €-73k
2021: €-18k
2022: €94k
2023: €290k
2024: €503k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€573k-€692k▲ 20.7%€893k▲ 29.1%€1.11M▲ 23.9%€1.27M▲ 14.6%
Operating result€163k-€180k▲ 10.6%€324k▲ 80.2%€339k▲ 4.5%€376k▲ 10.9%
Net result€121k-€134k▲ 10.8%€223k▲ 67.2%€257k▲ 15.3%€255k▼ 1.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.64M
Fixed assets
€717k▼ 4.3%
Current assets
€926k▼ 14.6%
Equity and liabilities €1.64M
Equity
€1.27M▲ 14.6%
Debt
€375k▼ 48.4%
The debt ratio falls from 39.6% to 22.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€454k▲
2024 · €395k
Cash flow
€333k▲
2024 · €314k
Solvency
77.2%▲
2024 · 60.4%
Current ratio
3.37▲
2024 · 1.87
Quick ratio
2.05▲
2024 · 1.29
Debt / equity
0.30▼
2024 · 0.66
ROE
20.1%▼
2024 · 23.3%
ROA
15.5%▲
2024 · 14.0%
Interest coverage
29.46▲
2024 · 12.95
Debt
€375k▼
2024 · €727k
Debt ≤ 1 year
€274k▼
2024 · €581k
Debt > 1 year
€100k▼
2024 · €136k
Income taxes
€117k▲
2024 · €112k
Staff costs
€320k▲
2024 · €265k
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€1.83M€1.64M▼
Fixed assets21/28€749k€717k▼
Tangible fixed assets22/27€748k€716k▼
Land and buildings22€581k€552k▼
Plant, machinery and equipment23€76k€57k▼
Furniture and vehicles24€92k€108k▲
Financial fixed assets28€900€900=
Current assets29/58€1.08M€926k▼
Stocks and contracts in progress3€334k€364k▲
Stocks30/36€334k€364k▲
Amounts receivable within one year40/41€382k€337k▼
Trade receivables40€376k€330k▼
Other amounts receivable41€6k€7k▲
Current investments50/53€71k€108k▲
Cash at bank and in hand54/58€296k€115k▼
Deferred charges and accrued income490/1€957€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.83M€1.64M▼
Equity10/15€1.11M€1.27M▲
Contributions10/11€87k€87k=
Reserves13€1.02M€1.18M▲
Tax-exempt reserves132€19k€19k=
Distributable reserves133€1.00M€1.16M▲
Amounts payable17/49€727k€375k▼
Amounts payable after more than one year17€136k€100k▼
Financial debts170/4€136k€100k▼
Amounts payable within one year42/48€581k€274k▼
Current portion of amounts payable after more than one year42€63k€71k▲
Financial debts43€256k€42k▼
Credit institutions430/8€249k€42k▼
Other loans439€7k-
Trade debts44€30k€14k▼
Suppliers440/4€30k€14k▼
Taxes, remuneration and social security45€49k€57k▲
Taxes450/3€31k€35k▲
Remuneration and social security454/9€18k€22k▲
Other amounts payable47/48€182k€91k▼
Accrued charges and deferred income492/3€10k-
Income statement
Code20242025
Non-recurring operating income76A€20k-
Remuneration, social security and pensions62€265k€320k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€78k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€6k€574▼
Other operating charges640/8€9k€11k▲
Non-recurring operating charges66A€15k-
Gross operating margin9900€690k€785k▲
Operating profit (loss)9901€339k€376k▲
Financial income75/76B€61k€12k▼
Recurring financial income75€53k€12k▼
Non-recurring financial income76B€8k-
Financial charges65/66B€31k€15k▼
Recurring financial charges65€31k€15k▼
Profit (loss) for the period before taxes9903€369k€372k▲
Income taxes67/77€112k€117k▲
Profit (loss) for the period9904€257k€255k▼
Profit (loss) for the period to be appropriated9905€257k€255k▼
Appropriation of the result
Profit (loss) to be appropriated9906€257k€255k▼
Transfer from equity791/2€44k€93k▲
Transfer to equity691/2€257k€255k▼
To other reserves6921€257k€255k▼
Profit to be distributed694/7€44k€93k▲
Return on contributions (dividend)694€44k€93k▲
Social balance
Average headcount (FTE)90875.04.6▼
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €257k ▲15.3%
Net result €257k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.11M ▲23.9%
7 profitable years in a row build equity to €1.11M.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
2021
31-12
Financial
Equity above €500kEq €573k ▲26.6%
4 profitable years in a row build equity to €573k.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 12 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
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
5 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, Grobbendonk · 1 establishment unit since 1991
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.
Acacialaan 42280 GrobbendonkGround area
2,796 m²
Building footprint
659 m²
Volume, LiDAR
5,045 m³
2 parcels, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHILIBERT BVBA
since 19912.053.375.875
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010C0049/00Z007 | Flanders | 1,625 m² | 1 · 142 m² | 9.9 m · 2 fl. |
| 12392A0507/00Y000indicative | Flanders | 1,171 m² | 1 · 517 m² | 10.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 2,850 EUR awarded · 2,850 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 1,350 EUR |
| 2023 | 1 | 2,850 EUR | 1,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,443 companies in sector 47820 we hold annual accounts for 776. 363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-1991
Fiscal year end31-12
Activities, NACEBEL
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
50301
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.