LA LIBRAIRIE DE TILFF
ActiveLA LIBRAIRIE DE TILFF has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130k and a net result of €1k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 77% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70=
Solvency92▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 2.55 in 2024; short-term debt: 30.4% and cash: 42.3% of total assets), and 33.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
66.6%
Return on assets
0.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
20 d late
2023
26 d late
2022
60 d late
2021
29 d late
2020
24 d late
2019
12 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€130k▲ 1.1%
2024 · €129k
2018: €93k
2019: €95k
2020: €116k
2021: €122k
2022: €124k
2023: €127k
2024: €129k
2018 → 2025
Total assets
€196k▼ 6.4%
2024 · €209k
2018: €162k
2019: €194k
2020: €181k
2021: €203k
2022: €180k
2023: €206k
2024: €209k
2018 → 2025
Net result
€1k▼ 21.7%
2024 · €2k
2018: €17k
2019: €2k
2020: €21k
2021: €6k
2022: €2k
2023: €4k
2024: €2k
2018 → 2025
Working capital
€109k▲ 1.2%
2024 · €108k
2018: €73k
2019: €71k
2020: €94k
2021: €91k
2022: €97k
2023: €112k
2024: €108k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€124k▲ 1.4%€127k▲ 2.9%€129k▲ 1.4%€130k▲ 1.1%
Operating result€8k-€4k▼ 55.2%€6k▲ 69.5%€4k▼ 43.1%€4k▼ 1.6%
Net result€6k-€2k▼ 69.7%€4k▲ 103%€2k▼ 49.7%€1k▼ 21.7%
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 2% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196k
Fixed assets
€27k▼ 14.6%
Current assets
€169k▼ 5.0%
Equity and liabilities €196k
Equity
€130k▲ 1.1%
Debt
€65k▼ 18.5%
The debt ratio falls from 38.4% to 33.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €10k
Cash flow
€8k▼
2024 · €8k
Solvency
66.6%▲
2024 · 61.6%
Current ratio
2.84▲
2024 · 2.55
Quick ratio
1.82▲
2024 · 1.66
Debt / equity
0.50▼
2024 · 0.62
ROE
1.1%▼
2024 · 1.4%
ROA
0.7%▼
2024 · 0.9%
Interest coverage
18.18▲
2024 · 16.16
Debt
€65k▼
2024 · €80k
Debt ≤ 1 year
€60k▼
2024 · €70k
Debt > 1 year
€6k▼
2024 · €10k
Income taxes
€2k▲
2024 · €1k
Staff costs
€40k▲
2024 · €39k
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€209k€196k▼
Fixed assets21/28€32k€27k▼
Tangible fixed assets22/27€32k€27k▼
Furniture and vehicles24€22k€19k▼
Other tangible fixed assets26€9k€8k▼
Financial fixed assets28€100€150▲
Current assets29/58€178k€169k▼
Stocks and contracts in progress3€62k€60k▼
Stocks30/36€62k€60k▼
Amounts receivable within one year40/41€37k€21k▼
Trade receivables40€12k€3k▼
Other amounts receivable41€25k€19k▼
Current investments50/53€3k€3k▼
Cash at bank and in hand54/58€74k€83k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€209k€196k▼
Equity10/15€129k€130k▲
Contributions10/11€6k€6k=
Reserves13€5k€5k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€118k€119k▲
Amounts payable17/49€80k€65k▼
Amounts payable after more than one year17€10k€6k▼
Financial debts170/4€10k€6k▼
Amounts payable within one year42/48€70k€60k▼
Current portion of amounts payable after more than one year42€4k€5k▲
Trade debts44€47k€42k▼
Suppliers440/4€47k€42k▼
Advances received on contracts in progress46€7k-
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€10k€10k▲
Accrued charges and deferred income492/3€168-
Income statement
Code20242025
Remuneration, social security and pensions62€39k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€52k€52k▼
Operating profit (loss)9901€4k€4k▼
Financial income75/76B€30€116▲
Recurring financial income75€30€116▲
Financial charges65/66B€631€572▼
Recurring financial charges65€631€572▼
Profit (loss) for the period before taxes9903€3k€3k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€2k€1k▼
Profit (loss) for the period to be appropriated9905€2k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€118k€119k▲
Profit (loss) brought forward from the previous period14P€116k€118k▲
The notes to these accounts (10 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €1k ▼21.7%
Net result drops to €1k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Highest result since 2018net €21k ▲1044%
Operating result €28k, net result €21k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲21.9%
3 profitable years in a row build equity to €116k.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Esneux · 1 establishment unit since 2008
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.
Avenue Laboulle 514130 EsneuxGround area
669 m²
Building footprint
97 m²
Volume, LiDAR
1,106 m³
Parcel 62101D0461/00C002, Wallonia · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
La Librairie de Tilff
since 20082.214.313.822
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101D0461/00C002 | Wallonia | 669 m² | 1 · 97 m² | 12.7 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEsneux2.214.313.822
Similar companies · same sector, comparable size
VANGEER
BE 0448.658.256
Roeselare · Eq €130k
Sporkin 15
BE 0798.946.834
Veurne · Eq €130k
SUKH
BE 0695.653.019
Hasselt · Eq €130k
LION TRADING
BE 0782.710.717
Vorst · Eq €130k
LND 1981
BE 1007.643.423
Durbuy · Eq €131k
Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,081 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2004
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
47241Retail sale of bread and pastry (bakery outlets)
47252Retail sale of beverages, general range
47260Retail trade
52240
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.