LIBRIMMO
ActiveSummary
LIBRIMMO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €163k and a net result of €42k. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▲+15
Solvency38▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.1 against 0.07 in 2024; short-term debt: 18.2% and cash: 1% of total assets), and 87% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
13%
Return on assets
3.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €163k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d early
2023
15 d early
2022
24 d early
2021
37 d early
2020
181 d late
2019
47 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€42k
2024 · €-15k
2018: €-74k
2019: €-101k▼ -35.9% vs 2018lowest in 8 years
2020: €2k▲ +102% vs 2019
2021: €-15k▼ -707% vs 2020
2022: €-10k▲ +30.9% vs 2021
2023: €-24k▼ -136% vs 2022
2024: €-15k▲ +37.0% vs 2023
2025: €42k▲ +380% vs 2024highest in 8 years
2018 → 2025
Working capital
€-205k▲ 11.7%
2024 · €-232k
2018: €-72khighest in 8 years
2019: €-116k▼ -60.9% vs 2018
2020: €-97k▲ +16.5% vs 2019
2021: €-142k▼ -46.7% vs 2020
2022: €-158k▼ -10.9% vs 2021
2023: €-170k▼ -7.7% vs 2022
2024: €-232k▼ -36.5% vs 2023lowest in 8 years
2025: €-205k▲ +11.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€170k-€160k▼ 5.9%€136k▼ 14.8%€121k▼ 11.0%€163k▲ 34.5%
2021: €170khighest in 5 years
2022: €160k▼ -5.9% vs 2021
2023: €136k▼ -14.8% vs 2022
2024: €121k▼ -11.0% vs 2023lowest in 5 years
2025: €163k▲ +34.5% vs 2024
Operating result€-2k-€-558▲ 72.5%€-16k▼ 2,798%€-1k▲ 91.1%€55k
2021: €-2k
2022: €-558▲ +72.5% vs 2021
2023: €-16k▼ -2798% vs 2022lowest in 5 years
2024: €-1k▲ +91.1% vs 2023
2025: €55k▲ +3950% vs 2024highest in 5 years
Net result€-15k-€-10k▲ 30.9%€-24k▼ 136%€-15k▲ 37.0%€42k
2021: €-15k
2022: €-10k▲ +30.9% vs 2021
2023: €-24k▼ -136% vs 2022lowest in 5 years
2024: €-15k▲ +37.0% vs 2023
2025: €42k▲ +380% vs 2024highest in 5 years
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €55k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€1.23M ▼ 4.8%
Current assets
€23k ▲ 41.1%
Equity and liabilities €1.25M
Equity
€163k ▲ 34.5%
Debt
€1.09M ▼ 8.1%
Debt's share of the balance-sheet total falls from 90.7% to 87.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€123k▲
2024 · €66k
Cash flow
€110k▲
2024 · €52k
Current ratio
0.10▲
2024 · 0.07
Debt to equity
6.68▼
2024 · 9.78
ROE
25.6%▲
2024 · -12.3%
ROA
3.3%▲
2024 · -1.1%
Interest coverage
9.16▲
2024 · 4.85
Debt ≤ 1 year
€227k▼
2024 · €248k
Debt > 1 year
€861k▼
2024 · €937k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.31M€1.25M▼
Fixed assets21/28€1.29M€1.23M▼
Tangible fixed assets22/27€1.29M€1.23M▼
Land and buildings22€1.15M€1.11M▼
Plant, machinery and equipment23€135k€117k▼
Current assets29/58€16k€23k▲
Amounts receivable within one year40/41€13k€10k▼
Trade receivables40€12k€10k▼
Other amounts receivable41€289-
Cash at bank and in hand54/58€2k€12k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.25M▼
Equity10/15€121k€163k▲
Contributions10/11€598k€598k=
Reserves13€7k€7k=
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Profit (loss) carried forward14€-484k€-442k▲
Amounts payable17/49€1.18M€1.09M▼
Amounts payable after more than one year17€937k€861k▼
Financial debts170/4€937k€861k▼
Amounts payable within one year42/48€248k€227k▼
Current portion of amounts payable after more than one year42€75k€76k▲
Trade debts44€46k€5k▼
Suppliers440/4€46k€5k▼
Taxes, remuneration and social security45-€428
Taxes450/3-€428
Other amounts payable47/48€127k€146k▲
Income statement
Code20242025
Non-recurring operating income76A€633-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€68k▲
Other operating charges640/8€10k€10k▲
Gross operating margin9900€76k€134k▲
Operating profit (loss)9901€-1k€55k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€-15k€42k▲
Profit (loss) for the period9904€-15k€42k▲
Profit (loss) for the period to be appropriated9905€-15k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-484k€-442k▲
Profit (loss) brought forward from the previous period14P€-469k€-484k▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €633 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €60k | €63k | €61k | €67k | €68k | ▲ 1.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €24k | - | - | - |
| Other operating charges640/8 | €6k | €6k | €7k | €10k | €10k | ▲ 3.0% |
| Gross operating margin9900 | €64k | €68k | €75k | €76k | €134k | ▲ 77.0% |
| Operating profit (loss)9901 | €-2k | €-558 | €-16k | €-1k | €55k | ▲ 3,950% |
| Financial income75/76B | €988 | €4k | €6k | €1 | - | - |
| Recurring financial income75 | €117 | €28 | €2 | €1 | - | - |
| Non-recurring financial income76B | €871 | €3k | €6k | - | - | - |
| Financial charges65/66B | €13k | €13k | €13k | €14k | €13k | ▼ 0.2% |
| Recurring financial charges65 | €13k | €13k | €13k | €14k | €13k | ▼ 0.2% |
| Profit (loss) for the period before taxes9903 | €-15k | €-10k | €-24k | €-15k | €42k | ▲ 380% |
| Profit (loss) for the period9904 | €-15k | €-10k | €-24k | €-15k | €42k | ▲ 380% |
| Profit (loss) for the period to be appropriated9905 | €-15k | €-10k | €-24k | €-15k | €42k | ▲ 380% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.48M | €1.39M | €1.40M | €1.31M | €1.25M | ▼ 4.2% |
| Fixed assets21/28 | €1.39M | €1.33M | €1.32M | €1.29M | €1.23M | ▼ 4.8% |
| Tangible fixed assets22/27 | €1.39M | €1.33M | €1.32M | €1.29M | €1.23M | ▼ 4.8% |
| Land and buildings22 | €1.29M | €1.24M | €1.20M | €1.15M | €1.11M | ▼ 3.8% |
| Plant, machinery and equipment23 | €106k | €90k | €120k | €135k | €117k | ▼ 13.1% |
| Furniture and vehicles24 | €3k | €131 | - | - | - | - |
| Current assets29/58 | €87k | €58k | €79k | €16k | €23k | ▲ 41.1% |
| Amounts receivable within one year40/41 | €79k | €53k | €34k | €13k | €10k | ▼ 24.0% |
| Trade receivables40 | €74k | €51k | €34k | €12k | €10k | ▼ 22.2% |
| Other amounts receivable41 | €6k | €1k | €445 | €289 | - | - |
| Cash at bank and in hand54/58 | €7k | €3k | €43k | €2k | €12k | ▲ 470% |
| Deferred charges and accrued income490/1 | €260 | €2k | €1k | €1k | €1k | ▼ 26.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.48M | €1.39M | €1.40M | €1.31M | €1.25M | ▼ 4.2% |
| Equity10/15 | €170k | €160k | €136k | €121k | €163k | ▲ 34.5% |
| Contributions10/11 | €598k | €598k | €598k | €598k | €598k | = |
| Reserves13 | €7k | €7k | €7k | €7k | €7k | = |
| Non-distributable reserves130/1 | €7k | €7k | €7k | €7k | €7k | = |
| Reserves not available under the articles1311 | €7k | €7k | €7k | €7k | €7k | = |
| Profit (loss) carried forward14 | €-435k | €-445k | €-469k | €-484k | €-442k | ▲ 8.6% |
| Amounts payable17/49 | €1.31M | €1.23M | €1.26M | €1.18M | €1.09M | ▼ 8.1% |
| Amounts payable after more than one year17 | €1.08M | €1.01M | €1.01M | €937k | €861k | ▼ 8.1% |
| Financial debts170/4 | €1.08M | €1.01M | €1.01M | €937k | €861k | ▼ 8.1% |
| Amounts payable within one year42/48 | €229k | €215k | €249k | €248k | €227k | ▼ 8.3% |
| Current portion of amounts payable after more than one year42 | €67k | €63k | €69k | €75k | €76k | ▲ 1.4% |
| Trade debts44 | €36k | €26k | €53k | €46k | €5k | ▼ 89.4% |
| Suppliers440/4 | €36k | €26k | €53k | €46k | €5k | ▼ 89.4% |
| Taxes, remuneration and social security45 | - | - | - | - | €428 | - |
| Taxes450/3 | - | - | - | - | €428 | - |
| Other amounts payable47/48 | €127k | €127k | €127k | €127k | €146k | ▲ 15.0% |
| Accrued charges and deferred income492/3 | €1k | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-15k | €-10k | €-24k | €-15k | €42k | ▲ 380% |
| + Depreciation and write-downs630 | €60k | €63k | €61k | €67k | €68k | ▲ 1.8% |
| Operating cash flow (approximation) | €46k | €53k | €37k | €52k | €110k | ▲ 111% |
| Investment in fixed assets (approximation) | - | €0 | €-47k | €-39k | €-7k | ▲ 82.5% |
| Change in cash | - | €-4k | €40k | €-41k | €10k | ▲ 124% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €42k
Net result €42k after 4 loss-making years.
31-12
Financial
Equity above €150kEq €163k ▲34.5%
Equity rises from €121k to €163k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 181 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 47 days late
2019
31-12
Financial
Weakest financial yearnet €-101k
Net result drops to €-101k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Libramont-Chevigny · 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.
Recogne,Avenue de Bouillon 786800 Libramont-Chevigny1 establishment unit
Libramont,Avenue de Bouillon 78, 6800 Libramont-Chevigny
since 20162.255.261.876
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 5,342 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Scores and ratios are computed by Checked and are not a credit decision.