PIERRE JOEL LIBRAMONT By RMGA
ActivePIERRE JOEL LIBRAMONT By RMGA has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.55M and a net result of €180k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 63% of 378 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-18
Solvency91▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 1.77 against 1.71 in 2024), and 48.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
51.4%
Return on assets
6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
27 d late
2023
29 d late
2022
28 d late
2021
30 d late
2020
24 d late
2019
24 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€6.71M▼ 29.8%
2019 · €9.56M
2018: €12.14M
2019: €9.56M
2018 → 2020
EBIT margin
3.5%▲ 2.0pp
2019 · 1.5%
2018: 1.9%
2019: 1.5%
2018 → 2020
Net result
€180k▼ 14.0%
2024 · €210k
2018: €150k
2019: €82k
2020: €167k
2021: €153k
2022: €170k
2023: €292k
2024: €210k
2018 → 2025
Working capital
€837k▲ 34.6%
2024 · €622k
2018: €277k
2019: €210k
2020: €182k
2021: €81k
2022: €230k
2023: €459k
2024: €622k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€703k-€873k▲ 24.2%€1.17M▲ 33.4%€1.37M▲ 18.0%€1.55M▲ 13.1%
Operating result€245k-€267k▲ 8.8%€444k▲ 66.8%€300k▼ 32.4%€259k▼ 13.8%
Net result€153k-€170k▲ 11.0%€292k▲ 71.8%€210k▼ 28.2%€180k▼ 14.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.02M
Fixed assets
€1.10M▼ 7.3%
Current assets
€1.93M▲ 28.7%
Equity and liabilities €3.02M
Equity
€1.55M▲ 13.1%
Debt
€1.47M▲ 12.5%
The debt ratio falls from 48.7% to 48.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€374k▼
2024 · €422k
Cash flow
€295k▼
2024 · €332k
Solvency
51.4%▲
2024 · 51.3%
Current ratio
1.77▲
2024 · 1.71
Quick ratio
1.25▲
2024 · 1.22
Debt / equity
0.94▼
2024 · 0.95
ROE
11.6%▼
2024 · 15.2%
ROA
6.0%▼
2024 · 7.8%
Interest coverage
29.63▼
2024 · 30.03
Debt
€1.47M▲
2024 · €1.31M
Debt ≤ 1 year
€1.09M▲
2024 · €875k
Debt > 1 year
€321k▼
2024 · €412k
Income taxes
€67k▼
2024 · €78k
Staff costs
€1.52M▼
2024 · €1.57M
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€2.68M€3.02M▲
Fixed assets21/28€1.18M€1.10M▼
Tangible fixed assets22/27€1.18M€1.10M▼
Land and buildings22€1.13M€1.05M▼
Plant, machinery and equipment23€42k€49k▲
Furniture and vehicles24€7k€130▼
Current assets29/58€1.50M€1.93M▲
Stocks and contracts in progress3€431k€560k▲
Stocks30/36€431k€560k▲
Amounts receivable within one year40/41€185k€334k▲
Trade receivables40€164k€320k▲
Other amounts receivable41€21k€14k▼
Cash at bank and in hand54/58€752k€916k▲
Deferred charges and accrued income490/1€129k€116k▼
Equity and liabilities
Total equity and liabilities10/49€2.68M€3.02M▲
Equity10/15€1.37M€1.55M▲
Contributions10/11€198k€198k=
Capital10€198k€198k=
Issued capital100€198k€198k=
Reserves13€20k€20k=
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Profit (loss) carried forward14€1.16M€1.34M▲
Amounts payable17/49€1.31M€1.47M▲
Amounts payable after more than one year17€412k€321k▼
Financial debts170/4€412k€321k▼
Amounts payable within one year42/48€875k€1.09M▲
Current portion of amounts payable after more than one year42€126k€91k▼
Trade debts44€479k€701k▲
Suppliers440/4€479k€701k▲
Taxes, remuneration and social security45€270k€297k▲
Taxes450/3€76k€96k▲
Remuneration and social security454/9€193k€201k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€18k€58k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.57M€1.52M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122k€115k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-18k€-5k▲
Other operating charges640/8€26k€33k▲
Non-recurring operating charges66A€312€10k▲
Gross operating margin9900€2.00M€1.93M▼
Operating profit (loss)9901€300k€259k▼
Financial income75/76B€916€630▼
Recurring financial income75€916€630▼
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€287k€247k▼
Income taxes67/77€78k€67k▼
Profit (loss) for the period9904€210k€180k▼
Profit (loss) for the period to be appropriated9905€210k€180k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.16M€1.34M▲
Profit (loss) brought forward from the previous period14P€947k€1.16M▲
Social balance
Average headcount (FTE)908725.723.2▼
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
2026
11-09
State Gazette act
Resignations & appointmentsGeneral meeting · Name change2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Name change2 facts ▸
- General meeting, 24.08.2026
- Name change, PIERRE JOEL LIBRAMONT By RMGA
31-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Permanent representative11 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Permanent representative11 facts ▸
- General meeting, 2026-07-23
- Director resignation, MILLESABOTS (administrateur et administrateur-délégué)
- Permanent representative, Sylvie Ricco
- Director resignation, THEATRAL (administrateur et administrateur-délégué)
- Permanent representative, Bernard Ricco
- Director discharge, MILLESABOTS
- Director discharge, THEATRAL
- Director appointment, ALLIANCE AUTOMOTIVE GROUPE (administrateur)
- Permanent representative, Olivier Pierre
- Director appointment, RMGA (administrateur)
- Permanent representative, Steve Monfort
21-08
State Gazette act
Resignations & appointmentsBoard meeting · Director appointment · Permanent representative3 facts ▸
State Gazette act
Resignations & appointments
Board meeting · Director appointment · Permanent representative3 facts ▸
- Board meeting, 2026-07-23
- Director appointment, ALLIANCE AUTOMOTIVE GROUPE (administrateur-délégué)
- Permanent representative, Olivier Pierre
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 13 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €292k ▲71.8%
Operating result €444k, net result €292k, both a record.
31-12
Financial
Equity above €1MEq €1.17M ▲33.4%
6 profitable years in a row build equity to €1.17M.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet €82k ▼45.5%
Net result drops to €82k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €508k ▲19.1%
2 profitable years in a row build equity to €508k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 57 days late
2017
10-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 71 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 directors, no change since 2026
ALLIANCE AUTOMOTIVE GROUPE
CurrentManaging director · since 23-07-2026 · Private limited company · perm. rep.: Olivier Pierre
RMGA
CurrentDirector · since 23-07-2026 · Public limited company · perm. rep.: Steve Monfort
23-07-2026
ALLIANCE AUTOMOTIVE GROUPE: Appointed as Managing director
23-07-2026
ALLIANCE AUTOMOTIVE GROUPE: Appointed as Director
23-07-2026
RMGA: Appointed as Director
23-07-2026
MILLESABOTS: Resigned as Administrateur et administrateur délégué
23-07-2026
THEATRAL: Resigned as Administrateur et administrateur délégué
Location & real-estate footprint
Registered office, Libramont-Chevigny · 1 establishment unit since 1983
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 1306800 Libramont-Chevigny1 establishment unit
Recogne,Avenue de Bouillon 130, 6800 Libramont-Chevigny
since 19832.021.906.602
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Ownership & control
2 partiesControl over this companysits on this company's board2
4 subsidiaries · 1 location
4 subsidiaries · 1 location
controls
PIERRE JOEL LIBRAMONT By RMGABE 0423.665.811
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Of 10,615 companies in sector 47811 we hold annual accounts for 5,192. 2,570 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-12-1982
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50103
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.