Equity
-€110,411
Debts exceed assets in financial year 2025.
TEMPS LIBRE
Lifetime
18 annual accounts with figures on one time axispeak €2.4m (2024)
€2.4m▼ 1.0%
lowest -€116,996 (2021)
-€42,677▼ €78,844
peak €181,178 (2020)
-€110,411▼ €42,677
€344,449▲ 9.9%
peak 68.4 FTE (2021)
-not published
Board6 names since 2018
5 directorsHANSEN SABINE and 4 others
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Loss of €42,677Appointments: COLLIN Ludovic (director) and LERUSTE Louise (d… 18-09Equity from -€67,734 to -€110,411
Key points
from the 2025 annual accountsResult
-€42,677 -€42,677
From profit to loss in 2025, after a profit of €36,167 in 2024.
Debts
€344,449 147% of the balance sheet
Suppliers 15%Taxes and wages 85%
Filings
18 annual accounts since 2008
The last five annual accounts were filed 9 to 35 days before the end of the period.
Board
2 left
Directors left. Latest change 20-03-2026 · 3 in office.
Position in the sector
-€42,677
Lower net result than 95% of companies in personal services. Sector median €2,801 · 5,762 companies.
Checked score
53
Fair
Financially stronger than 19% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%highest value
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.1%▼ -0.1 percentage points vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€110,411
Loss of €42,677 (financial year 2025)
lowers risk
Legal form: non-profit association
Size: total assets €234,038
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 11% of them on solvency, 47% on liquidity, 9% on profitability and 11% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 252 companies had the same profile as TEMPS LIBRE has now. Each dot is one company, two years later.
85.3%
were still trading
6.7%
stopped another way
7.1%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TEMPS LIBRE itself is lower: < 0.1% within 12 months. It rests on far more data about TEMPS LIBRE than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 252 companies, not a prediction for TEMPS LIBRE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.68 (0.78 in 2024), below 1. Short-term debt is 147.2% and cash 83.5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€110,411
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 days early
2024
9 days early
2023
32 days early
2022
25 days early
2021
12 days early
2020
24 days early
2019
18 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 22 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Recent changes
1 director appointed, 2 resignations
Resignations: BARNET Jacques and GUILLAUME Hubert · Appointment: LERUSTE Louise (chair) · General meeting of 20-12-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0890485338
Appointments: COLLIN Ludovic (director) and LERUSTE Louise (director)
General meeting of 28-06-2025 · Gazette deed
Amendment of the articles · Resignations & appointments
Reappointments: BARNET JACQUES, HANSEN SABINE and GUILLAUME HUBERT · Appointments: BARNET JACQUES (chair) and HANSEN SABINE (treasurer) · General meeting of 30-06-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TEMPS LIBRE Chiny | €234,038 | €2.4m | -47.2% | - |
| CS EASY LIFE II Soignies | €268,546 | €1.8m | 4.4% | 42.1 |
| ANGEL'S CLEAN II Schaerbeek | €262,770 | €1.7m | -35.9% | 55.7 |
| I.L.&C.-TITRES SERVICES-AGENCE D'ANDERLECHT Tubize | €361,176 | €2.0m | 6.1% | 59.2 |
| I.L.&C.-TITRES SERVICES-AGENCE DE CHARLEROI Tubize | €305,611 | €1.7m | 24.6% | 42.7 |
| I.L. & C. - TITRES SERVICES - AGENCE DE MONS Tubize | €342,582 | €2.8m | -67.5% | 98.8 |
| DOME ASSISTANCE DIENSTENCHEQUES Lochristi | €373,422 | €1.9m | 0.9% | 62.6 |
These companies have the same main activity as TEMPS LIBRE: personal service activities (NACE 96910). They are comparable in size and age: total assets between €263,000 and €373,000, founded between 2006 and 2007.
Official details
Source: KBO- Status
- Active since 02-07-2007Normal situation
- Activity
- Personal service activitiesNACE 96910
- Joint committees
- 322.01Approved companies for local work and services
- 337Auxiliary committee for the non-profit sector · annual accounts 2021
- Establishment unit
- 2.166.768.2816810 Chiny, since 11-06-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 03-11-2025
Annual accounts 2025
- ≈ €4.4mestimated
- €234,038▼ 4.7%
- Employeeson 31-12-2025
- 111▲ 14.4%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on TEMPS LIBRE
TEMPS LIBRE files the micro format. That format states no turnover. The gross margin rose from €606,986 in 2008 to €2.4m in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TEMPS LIBRE
- What is the company number of TEMPS LIBRE?
- The company number of TEMPS LIBRE is 0890.485.338. The VAT number is the same number with BE in front: BE 0890.485.338.
- Where is TEMPS LIBRE based?
- The registered office is at Rue des Marronniers,Moyen 29, 6810 Chiny.Company details
- What does TEMPS LIBRE do?
- According to the KBO register, the main activity is personal service activities (NACE 96910).
- What is the legal form of TEMPS LIBRE?
- TEMPS LIBRE is a non-profit association (VZW).
- When was TEMPS LIBRE founded?
- TEMPS LIBRE was founded on 02-07-2007.
- Is TEMPS LIBRE still active?
- Yes, TEMPS LIBRE is an active enterprise in the KBO register.
- How many employees does TEMPS LIBRE have?
- TEMPS LIBRE had an average of 97.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does TEMPS LIBRE fall under?
- In its 2021 annual accounts, TEMPS LIBRE states joint committees 322.01 (Approved companies for local work and services) and 337 (Auxiliary committee for the non-profit sector).
- What is the turnover of TEMPS LIBRE?
- The turnover in financial year 2025 is ≈ €4.4m. This figure is estimated from the gross margin of €2.4m and 55 comparable companies of the same size. It probably lies between €2.7m and €5.7m. It is a rough estimate. In financial year 2024 turnover was €2.4m.
- Is TEMPS LIBRE profitable?
- In financial year 2025, TEMPS LIBRE made a loss of €42,677.
- Where can I find the annual accounts of TEMPS LIBRE?
- TEMPS LIBRE filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TEMPS LIBRE due?
- TEMPS LIBRE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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