BIBLIOTREK
ActiveSummary
BIBLIOTREK has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,772 and a net result of €1,703. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+68
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 5.08 against 6.58 in 2024; short-term debt: 15.8% and cash: 23.1% of total assets), and 15.8% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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 2025Solvency, return and age of the figures
Solvency
84.2%
Return on assets
5.4%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
17 d early
2023
30 d early
2022
25 d early
2021
19 d late
2020
26 d late
2019
18 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€26,772▲ 6.8%
2024 · €25,069
Total assets
€31,804▲ 13.0%
2024 · €28,138
Net result
€1,703
2024 · -€2,705
Working capital
€20,544▲ 20.0%
2024 · €17,116
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail 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
Line20212022202320242025
Operating result€4,734▲ 32.8%€7,028▲ 48.5%-€1,014-€2,669▼ 163%€1,741
Net result€3,481within the sector's middle half▲ 16.7%€5,200within the sector's middle half▲ 49.4%-€1,063within the sector's middle half-€2,705within the sector's middle half▼ 155%€1,703within the sector's middle half
Equity€23,637within the sector's middle half▲ 70.4%€28,837within the sector's middle half▲ 22.0%€27,775within the sector's middle half▼ 3.7%€25,069within the sector's middle half▼ 9.7%€26,772within the sector's middle half▲ 6.8%
Total assets€26,214below the sector's middle half▲ 67.1%€31,260below the sector's middle half▲ 19.2%€31,364below the sector's middle half▲ 0.3%€28,138below the sector's middle half▼ 10.3%€31,804below the sector's middle half▲ 13.0%
Debt€2,577▲ 42.2%€2,423▼ 6.0%€3,589▲ 48.1%€3,069▼ 14.5%€5,031▲ 64.0%
Working capital€8,422within the sector's middle half▲ 52.7%€16,501within the sector's middle half▲ 95.9%€18,053within the sector's middle half▲ 9.4%€17,116within the sector's middle half▼ 5.2%€20,544within the sector's middle half▲ 20.0%
Solvency90.2%above the sector's middle half▲ 1.7pp92.2%above the sector's middle half▲ 2.1pp88.6%above the sector's middle half▼ 3.7pp89.1%above the sector's middle half▲ 0.5pp84.2%above the sector's middle half▼ 4.9pp
Current ratio4.27above the sector's middle half▲ 0.227.81above the sector's middle half▲ 3.546.03above the sector's middle half▼ 1.786.58above the sector's middle half▲ 0.555.08above the sector's middle half▼ 1.49
Return on assets (ROA)13.3%within the sector's middle half▼ 5.7pp16.6%above the sector's middle half▲ 3.4pp-3.4%within the sector's middle half▼ 20.0pp-9.6%below the sector's middle half▼ 6.2pp5.4%within the sector's middle half▲ 15.0pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1,741 after a loss of €2,669 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31,804
Fixed assets
€6,229 ▼ 21.7%
Current assets
€25,575 ▲ 26.7%
Equity and liabilities €31,804
Equity
€26,772 ▲ 6.8%
Debt
€5,031 ▲ 64.0%
Debt's share of the balance-sheet total rises from 10.9% to 15.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3,466▲
2024 · -€901
Cash flow
€3,428▲
2024 · -€937
Quick ratio
2.51▲
2024 · 2.17
Debt to equity
0.19▲
2024 · 0.12
ROE
6.4%▲
2024 · -10.8%
Interest coverage
31.57▲
2024 · -11.29
Debt ≤ 1 year
€5,031▲
2024 · €3,069
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 34,679 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,158 | €2,879 | €2,614 | €1,768 | €1,725 | ▼ 2.5% |
| Other operating charges640/8 | €459 | €460 | €115 | €513 | €528 | ▲ 2.8% |
| Gross operating margin9900 | €7,351 | €10,366 | €1,715 | -€387 | €3,994 | ▲ 1,131% |
| Operating profit (loss)9901 | €4,734 | €7,028 | -€1,014 | -€2,669 | €1,741 | ▲ 165% |
| Financial income75/76B | €86 | €61 | - | €43 | €72 | ▲ 64.8% |
| Recurring financial income75 | €86 | €61 | - | €2 | €72 | ▲ 3,476% |
| Non-recurring financial income76B | €86 | €61 | - | €41 | €72 | ▲ 72.7% |
| Financial charges65/66B | €75 | €119 | €48 | €80 | €110 | ▲ 37.6% |
| Recurring financial charges65 | €75 | €105 | €48 | €80 | €110 | ▲ 37.6% |
| Non-recurring financial charges66B | €0 | €14 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €4,745 | €6,971 | -€1,063 | -€2,705 | €1,703 | ▲ 163% |
| Income taxes67/77 | €1,264 | €1,770 | - | - | - | - |
| Profit (loss) for the period9904 | €3,481 | €5,200 | -€1,063 | -€2,705 | €1,703 | ▲ 163% |
| Profit (loss) for the period to be appropriated9905 | €3,481 | €5,200 | -€1,063 | -€2,705 | €1,703 | ▲ 163% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,214 | €31,260 | €31,364 | €28,138 | €31,804 | ▲ 13.0% |
| Fixed assets21/28 | €15,214 | €12,336 | €9,722 | €7,953 | €6,229 | ▼ 21.7% |
| Tangible fixed assets22/27 | €15,214 | €12,336 | €9,722 | €7,953 | €6,229 | ▼ 21.7% |
| Plant, machinery and equipment23 | €3,200 | €2,233 | €1,530 | €869 | €251 | ▼ 71.1% |
| Furniture and vehicles24 | €1,609 | €805 | - | - | - | - |
| Other tangible fixed assets26 | €10,405 | €9,298 | €8,192 | €7,085 | €5,978 | ▼ 15.6% |
| Current assets29/58 | €11,000 | €18,924 | €21,642 | €20,185 | €25,575 | ▲ 26.7% |
| Stocks and contracts in progress3 | €8,814 | €12,614 | €13,404 | €13,534 | €12,960 | ▼ 4.2% |
| Stocks30/36 | €8,814 | €12,614 | €13,404 | €13,534 | €12,960 | ▼ 4.2% |
| Amounts receivable within one year40/41 | €1,842 | €1,070 | €4,173 | €2,760 | €5,258 | ▲ 90.5% |
| Trade receivables40 | €1,842 | €941 | €4,173 | €2,760 | €5,258 | ▲ 90.5% |
| Other amounts receivable41 | €0 | €130 | - | - | - | - |
| Cash at bank and in hand54/58 | €344 | €5,240 | €4,064 | €3,891 | €7,357 | ▲ 89.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,214 | €31,260 | €31,364 | €28,138 | €31,804 | ▲ 13.0% |
| Equity10/15 | €23,637 | €28,837 | €27,775 | €25,069 | €26,772 | ▲ 6.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €5,037 | €10,237 | €9,175 | €6,469 | €8,172 | ▲ 26.3% |
| Amounts payable17/49 | €2,577 | €2,423 | €3,589 | €3,069 | €5,031 | ▲ 64.0% |
| Amounts payable within one year42/48 | €2,577 | €2,423 | €3,589 | €3,069 | €5,031 | ▲ 64.0% |
| Trade debts44 | €2 | €327 | €738 | €1,771 | €649 | ▼ 63.3% |
| Suppliers440/4 | €2 | €327 | €738 | €1,771 | €649 | ▼ 63.3% |
| Taxes, remuneration and social security45 | €1,305 | €826 | €2,155 | €729 | €2,183 | ▲ 200% |
| Taxes450/3 | €1,305 | €826 | €2,155 | €729 | €2,183 | ▲ 200% |
| Other amounts payable47/48 | €1,270 | €1,270 | €696 | €569 | €2,199 | ▲ 287% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,481 | €5,200 | -€1,063 | -€2,705 | €1,703 | ▲ 163% |
| + Depreciation and write-downs630 | €2,158 | €2,879 | €2,614 | €1,768 | €1,725 | ▼ 2.5% |
| Operating cash flow (approximation) | €5,639 | €8,079 | €1,552 | -€937 | €3,428 | ▲ 466% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €4,896 | -€1,175 | -€174 | €3,466 | ▲ 2,096% |
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €1,703
Net result €1,703 after 2 loss-making years.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€2,705
Net result drops to -€2,705, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €5,200 ▲49.4%
Operating result €7,028, net result €5,200, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Roeselare · 1 establishment unit since 2015
Ground area
373 m²
Building footprint
83 m²
Volume, LiDAR
495 m³
Parcel 36504D0852/00Z003, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bibliotrek
since 20152.239.332.595
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0852/00Z003 | Flanders | 373 m² | 1 · 83 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 602 companies in sector 47610 we hold annual accounts for 242. 185 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
Founded12-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47610Retail trade
46423Wholesale of clothing, excluding workwear and underwear
46491Wholesale trade
71112Activities of interior architects
82100Office administrative and support services
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0597922549
Registered
27-03-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.