FRANCOIS TIBO
FRANCOIS TIBO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €87k and a net result of €77k. Equity is shrinking by ~9.2% per year across the filed fiscal years. The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €87k |
| Net result | €77k |
| Active | 24 yrs |
| Locations | 1 |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
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).
Show 5 other metrics
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €77k |
| Cash flow | n/a |
| Staff costs | €115k |
| Income taxes | €-827 |
| Dividends | €0 |
| Total assets | €138k |
| Equity | €87k |
| Debt | €13k |
| of which ≤ 1y | €13k |
| of which > 1y | €0 |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 63.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 55.7% |
| ROE | 88.0% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Full annual accounts (25 line items)
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €138k |
| Fixed assets | 21/28 | €34k |
| Tangible fixed assets | 22/27 | €34k |
| Financial fixed assets | 28 | €50 |
| Current assets | 29/58 | €104k |
| Amounts receivable within one year | 40/41 | €14k |
| Cash & bank | 54/58 | €89k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €138k |
| Equity | 10/15 | €87k |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €103k |
| Accumulated profits (losses) | 14 | €-22k |
| Provisions & deferred taxes | 16 | €37k |
| Amounts payable | 17/49 | €13k |
| Amounts payable after one year | 17 | €0 |
| Amounts payable within one year | 42/48 | €13k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €221k |
| Operating result | 9901 | €78k |
| Financial income | 75 | €3 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €76k |
| Income taxes | 67/77 | €-827 |
| Net result for the period | 9904 | €77k |
| Result to be appropriated | 9905 | €77k |
Former directors (1)
-
François TIBODirector (executive)State Gazette act 22378988 (06-12-2022)Former- → 06-12-2022
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 28-01-2002 |
| Status | Active |
| Postal code | 4470 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64065C0201/00V000 | Wallonia | 2,404 m² | 1 · 978 m² | 9.4 m · 3 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
06-12-2022 François TIBO resigns as director (executive)
- François TIBO, Directeur
Technical details
{
"events": [
{
"kind": "director_out",
"role": "directeur",
"person": {
"rrn": null,
"name": "Fran\u00E7ois TIBO",
"address": "4550 Nandrin, Tige des Saules 19",
"birth_date": "1972-07-02",
"profession": null,
"birth_place": "Seraing"
},
"reason": "eervol",
"subkind": "renewal",
"via_org": null,
"statutory": "statutair",
"compensated": true,
"effective_date": null,
"evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide de mettre fin \u00E0 la fonction du g\u00E9rant actuel, mentionn\u00E9 ci-apr\u00E8s, et proc\u00E8de imm\u00E9diatement au renouvellement de sa nomination comme administrateur non statutaire pour une dur\u00E9e illimit\u00E9e : Monsieur Fran\u00E7ois TIBO, n\u00E9 \u00E0 Seraing le 2 juillet 1972, domicili\u00E9 \u00E0 4550 Nandrin, T",
"decharge_status": "pending_next_agm",
"mandate_duration": {
"kind": "indefinite",
"value": null
},
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": null
}
],
"notary": {
"name": "Michael LEJEUNE",
"firm_city": null,
"firm_name": null,
"office_city": "Nandrin",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2022-12-06",
"filing_date": "2022-12-02",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "buitengewone_algemene_vergadering",
"date": "2022-10-27",
"unanimous": true
},
{
"body": "buitengewone_algemene_vergadering",
"date": "2022-10-27",
"unanimous": true
},
{
"body": "buitengewone_algemene_vergadering",
"date": "2022-10-27",
"unanimous": true
},
{
"body": "buitengewone_algemene_vergadering",
"date": "2022-10-27",
"unanimous": true
},
{
"body": "buitengewone_algemene_vergadering",
"date": "2022-10-27",
"unanimous": true
},
{
"body": "buitengewone_algemene_vergadering",
"date": "2022-10-27",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0476.768.163",
"name_full": "FRANCOIS TIB\u00D4",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Michael LEJEUNE",
"org_rep_person_name": null,
"person_role_at_subject": null
},
"co_filed_documents": [
"une exp\u00E9dition de l\u2019acte",
"la coordination des statuts"
],
"corrected_publication_numac": null
}| Legal nameFR | FRANCOIS TIBO |