BIBLIOPOLIS
ActiveSummary
The computed 12-month bankruptcy probability of BIBLIOPOLIS is 2.9% (moderate). The 2024 annual accounts show equity of €1.1m and a net result of €841. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 76% of 5998 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability36▼-27
Solvency91▼-9
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 3.26 against 3.5 in 2023; short-term debt: 26.1% and cash: 5.2% of total assets), and 34.4% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more 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 2024Solvency, return and age of the figures
Solvency
65.6%
Return on assets
0.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 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
not confirmed
2024
70 d late
2023
83 d late
2022
87 d late
2021
158 d late
2020
131 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 109 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€841▼ 99.1%
2023 · €92,805
Working capital
€962,476▲ 15.1%
2023 · €836,153
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€177,053▲ 849%€259,771▲ 46.7%€45,214▼ 82.6%€151,905▲ 236%-€577
Net result€126,917within the sector's middle half▲ 719%€171,414within the sector's middle half▲ 35.1%€1,468below the sector's middle half▼ 99.1%€92,805above the sector's middle half▲ 6,220%€841below the sector's middle half▼ 99.1%
Equity€805,660within the sector's middle half▲ 18.7%€977,074within the sector's middle half▲ 21.3%€978,542within the sector's middle half▲ 0.2%€1.1mabove the sector's middle half▲ 9.5%€1.1mwithin the sector's middle half▲ 0.1%
Total assets€1.2mwithin the sector's middle half▼ 13.6%€1.4mwithin the sector's middle half▲ 17.4%€1.2mwithin the sector's middle half▼ 11.1%€1.4mabove the sector's middle half▲ 16.5%€1.6mwithin the sector's middle half▲ 14.8%
Debt€366,508▼ 46.0%€398,830▲ 8.8%€244,003▼ 38.8%€353,246▲ 44.8%€562,825▲ 59.3%
Working capital€575,803▲ 1.2%€720,053▲ 25.1%€781,667▲ 8.6%€836,153▲ 7.0%€962,476▲ 15.1%
Solvency68.7%above the sector's middle half▲ 18.7pp71.0%above the sector's middle half▲ 2.3pp80.0%above the sector's middle half▲ 9.0pp75.2%above the sector's middle half▼ 4.8pp65.6%above the sector's middle half▼ 9.6pp
Staff (FTE)21.9within the sector's middle half▲ 7.4%26.1within the sector's middle half▲ 19.2%28.3within the sector's middle half▲ 8.4%18.2▼ 35.7%16.3within the sector's middle half▼ 10.4%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €577 after €151,905 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.6m
Fixed assets
€246,330 ▼ 2.9%
Current assets
€1.4m ▲ 18.6%
Equity and liabilities €1.6m
Equity
€1.1m ▲ 0.1%
Debt
€562,825 ▲ 59.3%
Debt's share of the balance-sheet total rises from 24.8% to 34.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€74,532▼
2023 · €216,366
Cash flow
€75,950▼
2023 · €157,265
Current ratio
3.26▼
2023 · 3.50
Quick ratio
2.07▼
2023 · 2.51
Debt to equity
0.52▲
2023 · 0.33
ROE
0.1%▼
2023 · 8.7%
ROA
0.1%▼
2023 · 6.5%
Interest coverage
2.01▼
2023 · 4.39
Debt ≤ 1 year
€426,207▲
2023 · €334,770
Debt > 1 year
€112,113
Income taxes
€4,000▼
2023 · €32,161
Staff costs
€583,706▼
2023 · €660,401
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,040 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.3%
went bankrupt
3.6%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,040 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €751,150 | €856,757 | €660,401 | €583,706 | ▼ 11.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €63,925 | €79,327 | €55,548 | €64,461 | €75,109 | ▲ 16.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | -€30,147 | -€71,351 | -€45,472 | €25,688 | ▲ 156% |
| Other operating charges640/8 | - | €94,825 | €80,586 | €63,499 | €55,599 | ▼ 12.4% |
| Non-recurring operating charges66A | - | €394 | €14,055 | - | - | - |
| Gross operating margin9900 | €893,453 | €1.2m | €980,809 | €894,794 | €739,525 | ▼ 17.4% |
| Operating profit (loss)9901 | €177,053 | €259,771 | €45,214 | €151,905 | -€577 | ▼ 100% |
| Financial income75/76B | - | €9,676 | €13,011 | €22,381 | €42,519 | ▲ 90.0% |
| Recurring financial income75 | €19,014 | €9,676 | €13,011 | €22,381 | €42,519 | ▲ 90.0% |
| Financial charges65/66B | - | €39,002 | €49,865 | €49,320 | €37,101 | ▼ 24.8% |
| Recurring financial charges65 | €33,976 | €39,002 | €49,865 | €49,320 | €37,101 | ▼ 24.8% |
| Profit (loss) for the period before taxes9903 | €162,091 | €230,446 | €8,359 | €124,966 | €4,841 | ▼ 96.1% |
| Income taxes67/77 | €35,174 | €59,032 | €6,891 | €32,161 | €4,000 | ▼ 87.6% |
| Profit (loss) for the period9904 | €126,917 | €171,414 | €1,468 | €92,805 | €841 | ▼ 99.1% |
| Profit (loss) for the period to be appropriated9905 | €126,917 | €171,414 | €1,468 | €92,805 | €841 | ▼ 99.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.4m | €1.2m | €1.4m | €1.6m | ▲ 14.8% |
| Fixed assets21/28 | €309,643 | €280,398 | €215,351 | €253,670 | €246,330 | ▼ 2.9% |
| Tangible fixed assets22/27 | €150,996 | €115,349 | €202,538 | €235,560 | €213,879 | ▼ 9.2% |
| Plant, machinery and equipment23 | - | €86,273 | €171,312 | €180,931 | €166,915 | ▼ 7.7% |
| Furniture and vehicles24 | - | €26,816 | €28,293 | €53,873 | €46,964 | ▼ 12.8% |
| Leasing and similar rights25 | - | €2,260 | €2,932 | €757 | - | - |
| Financial fixed assets28 | €158,647 | €165,048 | €12,814 | €18,110 | €32,451 | ▲ 79.2% |
| Current assets29/58 | €862,525 | €1.1m | €1.0m | €1.2m | €1.4m | ▲ 18.6% |
| Amounts receivable after more than one year29 | - | - | €358,568 | €368,501 | €378,710 | ▲ 2.8% |
| Other amounts receivable291 | - | - | €358,568 | €368,501 | €378,710 | ▲ 2.8% |
| Stocks and contracts in progress3 | €362,979 | €374,215 | €260,646 | €331,443 | €505,180 | ▲ 52.4% |
| Stocks30/36 | - | €374,215 | €260,646 | €331,443 | €505,180 | ▲ 52.4% |
| Amounts receivable within one year40/41 | €206,860 | €475,508 | €273,228 | €341,591 | €419,926 | ▲ 22.9% |
| Trade receivables40 | - | €29,172 | €14,526 | €87,121 | €71,446 | ▼ 18.0% |
| Other amounts receivable41 | - | €446,337 | €258,702 | €254,470 | €348,480 | ▲ 36.9% |
| Cash at bank and in hand54/58 | €286,950 | €241,785 | €110,136 | €118,325 | €84,867 | ▼ 28.3% |
| Deferred charges and accrued income490/1 | - | €3,998 | €4,616 | €11,063 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.4m | €1.2m | €1.4m | €1.6m | ▲ 14.8% |
| Equity10/15 | €805,660 | €977,074 | €978,542 | €1.1m | €1.1m | ▲ 0.1% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €797,600 | €969,014 | €970,482 | €1.1m | €1.1m | ▲ 0.1% |
| Amounts payable17/49 | €366,508 | €398,830 | €244,003 | €353,246 | €562,825 | ▲ 59.3% |
| Amounts payable after more than one year17 | €61,310 | - | - | - | €112,113 | - |
| Financial debts170/4 | - | - | - | - | €112,113 | - |
| Amounts payable within one year42/48 | €286,722 | €375,454 | €225,527 | €334,770 | €426,207 | ▲ 27.3% |
| Current portion of amounts payable after more than one year42 | - | €16,771 | - | - | €41,713 | - |
| Financial debts43 | - | - | - | €14,874 | €1,907 | ▼ 87.2% |
| Credit institutions430/8 | - | - | - | €14,874 | €1,907 | ▼ 87.2% |
| Trade debts44 | €49,094 | €140,437 | €91,368 | €248,033 | €329,136 | ▲ 32.7% |
| Suppliers440/4 | - | €140,437 | €91,368 | €248,033 | €329,136 | ▲ 32.7% |
| Taxes, remuneration and social security45 | - | €182,012 | €122,181 | €65,184 | €50,770 | ▼ 22.1% |
| Taxes450/3 | - | €95,283 | €65,435 | €22,145 | €2,788 | ▼ 87.4% |
| Remuneration and social security454/9 | - | €86,729 | €56,746 | €43,039 | €47,982 | ▲ 11.5% |
| Other amounts payable47/48 | - | €36,234 | €11,978 | €6,680 | €2,680 | ▼ 59.9% |
| Accrued charges and deferred income492/3 | - | €23,376 | €18,476 | €18,476 | €24,506 | ▲ 32.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €126,917 | €171,414 | €1,468 | €92,805 | €841 | ▼ 99.1% |
| + Depreciation and write-downs630 | €63,925 | €79,327 | €55,548 | €64,461 | €75,109 | ▲ 16.5% |
| Operating cash flow (approximation) | €190,842 | €250,741 | €57,016 | €157,265 | €75,950 | ▼ 51.7% |
| Investment in fixed assets (approximation) | - | -€50,082 | €9,498 | -€102,780 | -€67,768 | ▲ 34.1% |
| Change in cash | - | -€45,165 | -€131,649 | €8,189 | -€33,458 | ▼ 509% |
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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 70 days late
2024
31-12
Financial
Weakest financial yearnet €841 ▼99.1%
Net result drops to €841, the lowest in the series.
22-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 83 days late
2023
31-12
Financial
Equity above €1mEq €1.1m ▲9.5%
6 profitable years in a row build equity to €1.1m.
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 87 days late
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 158 days late
2021
31-12
Financial
Highest result since 2018net €171,414 ▲35.1%
Operating result €259,771, net result €171,414, both a record.
09-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 131 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 59 days 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Brussel · 8 establishment units since 2007
Ground area
2.6 ha
Building footprint
7,710 m²
Volume, LiDAR
45,383 m³
8 parcels, Brussels, Flanders, Wallonia · tallest building 27.6 m, ±7 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
8 establishment units
BIBLIOPOLIS
since 20072.158.486.560
Le Monde de Kamelia
since 20142.241.473.624
BIBLIOPOLIS
since 20162.261.412.864
BIBLIOPOLIS
since 20172.261.412.468
BIBLIOPOLIS
since 20172.263.400.176
Bibliopolis dépôt 1080
since 20232.379.655.270
Show 2 more locations
BIBLIOPOLIS DÉPÔT 7100
since 20242.390.033.181
BIBLIOPOLIS
since 20262.390.670.512
8 parcels
Flanders
1
(12.5%)
Wallonia
5
(62.5%)
Brussels
2
(25%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0175/00V003 | Flanders | 2.1 ha | 1 · 5,304 m² | 7.7 m · 2 fl. |
| 21526D0275/00S009 | Brussels | 2,248 m² | 1 · 947 m² | 12.2 m · 2 fl. |
| 55373B0029/00N034 | Wallonia | 954 m² | 1 · 797 m² | 18.6 m · 2 fl. |
| 25112M0071/00D000 | Wallonia | 762 m² | 1 · 94 m² | 15.7 m · 5 fl. |
| 21822R0307/00G002 | Brussels | 311 m² | 1 · 237 m² | 27.6 m · 7 fl. |
| 53053H0359/00F000 | Wallonia | 279 m² | 1 · 285 m² | - |
| 62803A1629/00A000 | Wallonia | 86 m² | 1 · 45 m² | 14.2 m · 4 fl. |
| 52011D0126/02S000indicative | Wallonia | 27 m² | - | - |
Linked by address, not proof of ownership
Good to know
7 of 8 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ACTISSIA BELGIQUE
BE 0413.480.910
Ath · Eq €1,068,397
Thiemann
BE 0422.411.838
Sankt Vith · Eq €1,118,908
IB OFFICE
BE 0461.154.925
Kuurne · Eq €1,147,195
Doleinvest.be
BE 0402.711.336
Namur · Eq €953,545
PUBLICA - PROMO - TION
BE 0438.311.821
Braine-le-Château · Eq €898,989
Of 165 companies in sector 46491 we hold annual accounts for 91. 60 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 (pre-2019)
Founded27-12-2006
Fiscal year end31-12
Activities, NACEBEL 2025
46491Wholesale trade
47610Retail trade
47690Retail sale of other cultural and recreation goods
47793Retail sale of other second-hand goods, excluding clothing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0885965831
Also
9925:BE0885965831
Registered
25-08-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.