TEMPS LIBRE · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of TEMPS LIBRE is < 0.1% (very low). The 2024 annual accounts show negative equity (€-68k) and a net result of €36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 78 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

< 0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 78 sector peers (2024).

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 10 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	22-07-2025	9 d early	2025-00317029
31-12-2023	31-07-2024	29-06-2024	32 d early	2024-00197165
31-12-2022	31-07-2023	06-07-2023	25 d early	2023-00222261
31-12-2021	31-07-2022	19-07-2022	12 d early	2022-20226633
31-12-2020	31-07-2021	07-07-2021	24 d early	2021-32600392
31-12-2019	31-07-2020	13-07-2020	18 d early	2020-29700245
31-12-2018	31-07-2019	09-07-2019	22 d early	2019-33300060
31-12-2017	31-07-2018	03-07-2018	28 d early	2018-28200211
31-12-2016	31-07-2017	12-07-2017	19 d early	2017-31200503
31-12-2015	31-07-2016	05-08-2016	5 d late	2016-41700556

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2007, 19 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No administrative flags

Financials

Turnover€2.44M+6.1%

EBIT margin1.5%+5.4pp

Net result€36k

Working capital€-68k+34.8%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 22-07-2025 with the NBB · fiscal year 2024 · volledig

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~41% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 96, Personal services · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	-27.6%	21.1%	better than 24% of 78 sector peers
Net result	€36k	€3k	better than 81% of 78 sector peers
Equity	€-68k	€16k	better than 10% of 78 sector peers
Gross operating margin	€2.37M	€28k	better than 95% of 71 sector peers
Staff costs	€2.34M	€81k	higher than 91% of 53 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P24

Weakening position over 2020-2024 · n=46-79

Net result P81

Stable position over 2020-2024 · n=46-78

Equity P10

Weakening position over 2020-2024 · n=46-79

Gross operating margin P95

Stable position over 2020-2024 · n=40-71

Describes the position versus peers, not a forecast.

Revenue

€2.44M

+6.1% 18-24

EBITDA

€37k

- 18-24

Net profit

€36k

- 18-24

Cash flow

€36k

- 18-24

Total assets

€246k

+24.9% 18-24

Equity

€-68k

+34.8% 18-24

Working capital

€-68k

+34.8% 18-24

Employees (FTE)

65

-0.5% 18-24

Staff costs

€2.34M

-0.7% 18-24

Income taxes

€212

-99.5% 18-24

Debt

€313k

+4.3% 18-24

Debt ≤ 1y

€313k

+4.3% 18-24

Debt > 1y

€2k

-84.6% 18-24

Current ratio

0.78

+19.8% 18-24

Quick ratio

0.78

+19.8% 18-24

Solvency

-27.6%

+47.8% 18-24

Debt / equity

-4.63

-60.0% 18-24

ROE

-53.4%

- 18-24

ROA

14.7%

- 18-24

Net margin

1.5%

- 18-24

EBITDA margin

1.5%

- 18-24

Interest coverage

59.43

- 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	€2.44M
EBITDA	€37k
Net profit	€36k
Cash flow	€36k
Staff costs	€2.34M
Income taxes	-
Dividends	-
Total assets	€246k
Equity	€-68k
Debt	€313k
of which ≤ 1y	€313k
of which > 1y	-
Working capital	€-68k
Employees (FTE)	65.2

Ratios (computed)

	2024
Current ratio	0.78
Quick ratio	0.78
Working capital ratio	-27.6%
Solvency	-27.6%
Debt / equity	-4.63
Long-term debt ratio	-
Interest coverage	59.43
Gross margin	96.9%
Net margin	1.5%
ROA	14.7%
ROE	-53.4%
EBITDA margin	1.5%
Days sales outstanding	6d
Days payable outstanding	59d
Inventory turnover	-
Days inventory (DSI)	-

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€246k
Fixed assets	21/28	€0
Tangible fixed assets	22/27	€0
Current assets	29/58	€246k
Amounts receivable within one year	40/41	€46k
Cash & bank	54/58	€200k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€246k
Equity	10/15	€-68k
Accumulated profits (losses)	14	€-68k
Amounts payable	17/49	€313k
Amounts payable within one year	42/48	€313k
Trade debts payable within one year	44	€12k
Income statement
Turnover	70	€2.44M
Gross operating margin	9900	€2.37M
Operating result	9901	€37k
Financial income	75	€117
Financial charges	65	€617
Result before taxes	9903	€36k
Net result for the period	9904	€36k
Result to be appropriated	9905	€36k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

23 / 100 Critical

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

under verification

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (26040330). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

COLLIN Ludovic
Secrétaire
State Gazette act 26040330 (20-03-2026)

Current
28-06-2025 → present
2 events
- 20-12-2025 Appointed· Secrétaire
- 28-06-2025 Appointed· Director
LERUSTE Louise
Présidente
State Gazette act 26040330 (20-03-2026)

Current
28-06-2025 → present
2 events
- 20-12-2025 Appointed· Présidente
- 28-06-2025 Appointed· Director
HANSEN SABINE
Trésorière
State Gazette act 26040330 (20-03-2026)

Current
30-06-2023 → present
3 events
- 20-12-2025 Appointed· Trésorière
- 23-10-2023 Mandate renewed· Director
- 30-06-2023 Appointed· Managing director

Former directors (2)

BARNET JACQUES
Director
State Gazette act 23135384 (23-10-2023)

Former
30-06-2023 → 20-03-2026
3 events
- 20-03-2026 Resigned· Director
- 23-10-2023 Mandate renewed· Director
- 30-06-2023 Appointed· Managing director
GUILLAUME HUBERT
Director
State Gazette act 23135384 (23-10-2023)

Former
29-12-2016 → 20-03-2026
3 events
- 20-03-2026 Resigned· Director
- 23-10-2023 Mandate renewed· Director
- 29-12-2016 Appointed· Director

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Statutory auditor

2 auditors

Statutory auditor	IRE/IBR number	Tenure
DGCT & Partners SCiv-SPRL Statutory auditor · represented by Michel HOFMAN succeeded by DGST & PARTNERS - REVISEUR D'ENTREPRISES-BEDRIJFSREVISOREN in 2018	-	18-01-2012 → 12-11-2018
DGST & PARTNERS - REVISEUR D'ENTREPRISES-BEDRIJFSREVISOREN Statutory auditor · represented by Michel LECOQ	-	12-11-2018 → 12-11-2018

Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Huishoudelijke persoonlijke dienstverlening(96910)
Legal form	Non-profit association(017)
Incorporation	02-07-2007
Status	Active
Postal code	6810

Structure & network

Connections & network

1 connected company

Group structure

DGST & PARTNERS - REVISEUR D'ENTREPRISES-BEDRIJFSREVISOREN

Parent · 59 subsidiaries · 4 locations

Control→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Registered office

on the map · from the address register

seat.Municipality exact location from the address register

Establishment units

1 location

TEMPS LIBRE

Rue des Marronniers,Moyen 29, 6810 ChinyAlgemene reiniging van gebouwen

since 20072.166.768.281

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area845 m²

Buildings1

Building footprint224 m²

Volume (LiDAR)2,089 m³

Tallest building11.6 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
85018A0835/00B000	Wallonia	845 m²	1 · 224 m²	11.6 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

1 verified act

What every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.

2026

20-03-2026 Resignations & appointments

6 facts

General meeting , 20/12/2025
Director resignation, BARNET Jacques (administrateur)
Director resignation, GUILLAUME Hubert (administrateur)
Director appointment, LERUSTE Louise (présidente)
Director appointment, COLLIN Ludovic (secrétaire)
Director appointment, HANSEN Sabine (trésorière)

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

43 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 23

Profitability 13

Solvency 40

Growth 37

Stability 100

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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Company registry

Company registry (CBE)

Crossroads Bank

Activities

Algemene reiniging van gebouwen81210Huishoudelijke persoonlijke dienstverlening96910

Primary activity highlighted.

Names & trade names

Legal nameFR

TEMPS LIBRE

Registered office

Rue des Marronniers,Moyen 29

6810 Chiny, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.