LIBELL
ActiveLIBELL 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 €631k and a net result of €159k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 42% of 5455 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
26 d late
2023
24 d late
2022
25 d late
2021
2 d early
2020
19 d late
2019
102 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€631k▼ 31.6%
2024 · €922k
2018: €230k
2019: €336k
2020: €456k
2021: €545k
2022: €671k
2023: €779k
2024: €922k
2018 → 2025
Net result
€159k▲ 10.8%
2024 · €143k
2018: €93k
2019: €106k
2020: €121k
2021: €88k
2022: €121k
2023: €107k
2024: €143k
2018 → 2025
Total assets
€1.45M▼ 0.2%
2024 · €1.45M
2018: €1.51M
2019: €1.52M
2020: €1.44M
2021: €1.39M
2022: €1.46M
2023: €1.47M
2024: €1.45M
2018 → 2025
Solvency
43.4%▼ 19.9pp
2024 · 63.4%
2018: 15.2%
2019: 22.1%
2020: 31.6%
2021: 39.3%
2022: 45.9%
2023: 53.0%
2024: 63.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€545k-€671k▲ 23.3%€779k▲ 16.0%€922k▲ 18.4%€631k▼ 31.6%
Operating result€127k-€174k▲ 36.9%€149k▼ 14.4%€196k▲ 31.8%€155k▼ 21.0%
Net result€88k-€121k▲ 36.7%€107k▼ 11.1%€143k▲ 33.4%€159k▲ 10.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€1.36M=
Current assets
€93k▼ 2.6%
Equity and liabilities €1.45M
Equity
€631k▼ 31.6%
Debt
€821k▲ 54.2%
The debt ratio rises from 36.6% to 56.6%: debt grows while equity shrinks.
Key figures and ratios
Solvency
43.4%▼
2024 · 63.4%
ROE
25.2%▲
2024 · 15.5%
ROA
10.9%▲
2024 · 9.8%
Debt
€821k▲
2024 · €533k
Debt ≤ 1 year
€513k▲
2024 · €159k
Debt > 1 year
€306k▼
2024 · €372k
Income taxes
€32k▼
2024 · €41k
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€1.45M€1.45M▼
Fixed assets21/28€1.36M€1.36M=
Financial fixed assets28€1.36M€1.36M=
Current assets29/58€96k€93k▼
Amounts receivable within one year40/41€9k€64k▲
Other amounts receivable41€9k€64k▲
Current investments50/53€0-
Cash at bank and in hand54/58€85k€28k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.45M€1.45M▼
Equity10/15€922k€631k▼
Contributions10/11€19k€19k=
Reserves13€903k€612k▼
Distributable reserves133€903k€612k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€533k€821k▲
Amounts payable after more than one year17€372k€306k▼
Financial debts170/4€372k€306k▼
Amounts payable within one year42/48€159k€513k▲
Current portion of amounts payable after more than one year42€65k€65k▲
Trade debts44-€92
Suppliers440/4-€92
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€90k€442k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Other operating charges640/8€1k€2k▲
Gross operating margin9900€198k€157k▼
Operating profit (loss)9901€196k€155k▼
Financial income75/76B€379€42k▲
Recurring financial income75€379€42k▲
Financial charges65/66B€12k€6k▼
Recurring financial charges65€12k€6k▼
Profit (loss) for the period before taxes9903€184k€191k▲
Income taxes67/77€41k€32k▼
Profit (loss) for the period9904€143k€159k▲
Profit (loss) for the period to be appropriated9905€143k€159k▲
Appropriation of the result
Profit (loss) to be appropriated9906€143k€159k▲
Transfer from equity791/2-€450k
Transfer to equity691/2€143k€159k▲
To other reserves6921€143k€159k▲
Profit to be distributed694/7-€450k
Return on contributions (dividend)694-€450k
The notes to these accounts (11 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Highest result since 2018net €159k ▲10.8%
Net result €159k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 24 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €88k ▼26.8%
Net result drops to €88k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €545k ▲19.4%
4 profitable years in a row build equity to €545k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 102 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
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
2 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, Maaseik · 1 establishment unit since 2016
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.
Neeroeterenstraat 83680 MaaseikGround area
1,204 m²
Building footprint
310 m²
Volume, LiDAR
1,469 m³
Parcel 72028B0314/00H000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LISE PAESEN MANAGEMENT
since 20162.254.195.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72028B0314/00H000 | Flanders | 1,204 m² | 1 · 310 m² | 11.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,642 companies in sector 64210 we hold annual accounts for 19,692. 13,397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.