KERGER Papeterie
ActiveSummary
KERGER Papeterie has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-35
Solvency30▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.01 against 1.01 in 2024; short-term debt: 94.8% and cash: 6.5% of total assets), and 94.8% 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
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
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
5.2%
Return on assets
1.1%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
100 d early
2023
on the day
2022
31 d early
2021
110 d early
2020
31 d late
2019
on the day
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▲ 26.1%
2024 · €8k
2019: €18k
2020: €18k
2021: €-11k
2022: €-7k
2023: €-2k
2024: €8k
2019 → 2025
Total assets
€194k▼ 2.8%
2024 · €199k
2019: €234k
2020: €221k
2021: €187k
2022: €197k
2023: €186k
2024: €199k
2019 → 2025
Net result
€2k▼ 79.2%
2024 · €10k
2019: €-4k
2020: €-28
2021: €-29k
2022: €4k
2023: €5k
2024: €10k
2019 → 2025
Working capital
€2k▲ 13.3%
2024 · €2k
2019: €-6k
2020: €9k
2021: €-22k
2022: €-12k
2023: €-9k
2024: €2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€-7k▲ 33.5%€-2k▲ 72.9%€8k€10k▲ 26.1%
Operating result€-20k-€12k€16k▲ 29.9%€11k▼ 30.7%€4k▼ 66.8%
Net result€-29k-€4k€5k▲ 44.5%€10k▲ 84.0%€2k▼ 79.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €194k
Fixed assets
€8k ▲ 30.6%
Current assets
€186k ▼ 3.8%
Equity and liabilities €194k
Equity
€10k ▲ 26.1%
Debt
€184k ▼ 4.0%
Debt's share of the balance-sheet total falls from 96.0% to 94.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €12k
Cash flow
€3k▼
2024 · €11k
Current ratio
1.01▲
2024 · 1.01
Quick ratio
0.13▼
2024 · 0.18
Debt to equity
18.41▼
2024 · 24.19
ROE
20.7%▼
2024 · 125.4%
ROA
1.1%▼
2024 · 5.0%
Interest coverage
2.34▼
2024 · 7.43
Debt ≤ 1 year
€184k▼
2024 · €191k
Income taxes
€206▲
2024 · €1
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€199k€194k▼
Fixed assets21/28€6k€8k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€2k€930▼
Financial fixed assets28€4k€4k=
Current assets29/58€193k€186k▼
Stocks and contracts in progress3€159k€163k▲
Stocks30/36€159k€163k▲
Amounts receivable within one year40/41€9k€8k▼
Trade receivables40€9k€8k▼
Cash at bank and in hand54/58€22k€13k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€199k€194k▼
Equity10/15€8k€10k▲
Contributions10/11€8k€8k=
Reserves13€600€2k▲
Distributable reserves133€600€2k▲
Profit (loss) carried forward14€-752-
Amounts payable17/49€191k€184k▼
Amounts payable within one year42/48€191k€184k▼
Trade debts44€17k€15k▼
Suppliers440/4€17k€15k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€172k€166k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€714▼
Other operating charges640/8€270€509▲
Gross operating margin9900€13k€5k▼
Operating profit (loss)9901€11k€4k▼
Financial income75/76B€619€487▼
Recurring financial income75€619€487▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€10k€2k▼
Income taxes67/77€1€206▲
Profit (loss) for the period9904€10k€2k▼
Profit (loss) for the period to be appropriated9905€10k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-752€1k▲
Profit (loss) brought forward from the previous period14P€-11k€-752▲
Transfer to equity691/2-€1k
To other reserves6921-€1k
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €10k ▲84%
Net result €10k, the highest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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 2003
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.
Libramont,Rue de l'Ancienne Gare 166800 Libramont-Chevigny1 establishment unit
PAPETERIE KERGER
since 20032.133.151.843
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Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 666 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filings
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.papeterie-kerger.be
E-mail:info@papeterie-kerger.be