La Petite Librairie
ActiveSummary
The computed 12-month bankruptcy probability of La Petite Librairie is 1.9% (moderate). The 2025 annual accounts show equity of €17k and a net result of €21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 18280 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+63
Solvency39▲+17
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 0.94 in 2024; short-term debt: 86.5% and cash: 42.7% of total assets), and 86.5% of the assets are financed with debt.
Credit advice 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
13.5%
Return on assets
16.4%
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 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
57 d late
2022
30 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k
2024 · €-4k
2022: €-8k
2023: €-3k
2024: €-4k
2022 → 2025
Total assets
€126k▲ 16.5%
2024 · €108k
2022: €70k
2023: €96k
2024: €108k
2022 → 2025
Net result
€21k
2024 · €-979
2022: €-38k
2023: €6k
2024: €-979
2022 → 2025
Working capital
€15k
2024 · €-6k
2022: €-13k
2023: €-6k
2024: €-6k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-8k-€-3k▲ 68.3%€-4k▼ 38.1%€17k
Operating result€-37k-€10k€741▼ 92.3%€21k▲ 2,790%
Net result€-38k-€6k€-979€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,790% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€2k ▼ 13.1%
Current assets
€123k ▲ 17.3%
Equity and liabilities €126k
Equity
€17k
Debt
€109k
Debt finances 86.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€22k▲
2024 · €2k
Cash flow
€21k▲
2024 · €119
Current ratio
1.13▲
2024 · 0.94
Quick ratio
0.61▲
2024 · 0.42
Debt to equity
6.38▲
2024 · -31.40
ROE
120.8%
ROA
16.4%▲
2024 · -0.9%
Interest coverage
25.49▲
2024 · 1.01
Debt ≤ 1 year
€109k▼
2024 · €111k
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€108k€126k▲
Fixed assets21/28€3k€2k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€792€426▼
Furniture and vehicles24€0-
Other tangible fixed assets26€792€426▼
Financial fixed assets28€2k€2k=
Current assets29/58€105k€123k▲
Stocks and contracts in progress3€58k€57k▼
Stocks30/36€58k€57k▼
Amounts receivable within one year40/41€10k€12k▲
Trade receivables40€10k€12k▲
Other amounts receivable41€0€67▲
Cash at bank and in hand54/58€35k€54k▲
Deferred charges and accrued income490/1€1k€827▼
Equity and liabilities
Total equity and liabilities10/49€108k€126k▲
Equity10/15€-4k€17k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€-34k€-13k▲
Amounts payable17/49€111k€109k▼
Amounts payable within one year42/48€111k€109k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€35k€26k▼
Suppliers440/4€35k€26k▼
Advances received on contracts in progress46€11k€14k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€64k€65k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€367▼
Other operating charges640/8€625€666▲
Gross operating margin9900€2k€22k▲
Operating profit (loss)9901€741€21k▲
Financial income75/76B€107€3▼
Recurring financial income75€107€3▼
Financial charges65/66B€2k€854▼
Recurring financial charges65€2k€854▼
Profit (loss) for the period before taxes9903€-979€21k▲
Profit (loss) for the period9904€-979€21k▲
Profit (loss) for the period to be appropriated9905€-979€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-13k▲
Profit (loss) brought forward from the previous period14P€-33k€-34k▼
The notes to these accounts (12 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · 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
1 act for this company is 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, Jalhay · 1 establishment unit since 2021
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.
Route de Parfondbois(Solwaster) 344845 JalhayGround area
1,523 m²
Building footprint
222 m²
Volume, LiDAR
1,119 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
La Petite Librairie
since 20212.323.024.690
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63068B1389/00E000 | Wallonia | 1,411 m² | 1 · 173 m² | 7.7 m · 2 fl. |
| 63036A0314/00X002 | Wallonia | 112 m² | 1 · 49 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Wallonia-Brussels Federation
2025 · 2 entries · 7,640 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 2 | 7,640 EUR |
Budget allocations
Aides ponctuelles dans le domaine des langues, des lettres et du livre
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Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 877 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
Founded13-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
46491Wholesale trade
47640Retail sale of games and toys
47793Retail sale of other second-hand goods, excluding clothing
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.