LECTUUR
ActiveSummary
The computed 12-month bankruptcy probability of LECTUUR is 1.8% (moderate). The 2025 annual accounts show equity of €51,055 and a net result of €22,152. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 36% of 18537 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
Axes · tick = 2024
Profitability74▲+19
Solvency43▲+8
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity short (current ratio 0.44 against 0.34 in 2024; short-term debt: 17.5% and cash: 3.6% of total assets), and 82.2% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-01-2026, 12 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
12 d early
2024
4 d early
2023
1 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 5 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€51,055▲ 76.6%
2024 · €28,903
Total assets
€286,319▼ 4.9%
2024 · €300,941
Net result
€22,152
2024 · -€10,262
Working capital
-€28,234▲ 41.9%
2024 · -€48,610
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€46,203--€2,787€36,140
Net result€34,165--€10,262€22,152
Equity€39,165-€28,903▼ 26.2%€51,055▲ 76.6%
Total assets€107,373-€300,941▲ 180%€286,319▼ 4.9%
Debt€68,208-€272,038▲ 299%€235,264▼ 13.5%
Working capital€32,069--€48,610-€28,234▲ 41.9%
Staff (FTE)3.1-4.2▲ 35.5%4.1▼ 2.4%
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: €36,140 after a loss of €2,787 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286,319
Fixed assets
€264,536 ▼ 4.2%
Current assets
€21,784 ▼ 12.1%
Equity and liabilities €286,319
Equity
€51,055 ▲ 76.6%
Debt
€235,264 ▼ 13.5%
Debt's share of the balance-sheet total falls from 90.4% to 82.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47,769▲
2024 · €36,044
Cash flow
€33,781▲
2024 · €28,568
Current ratio
0.44▲
2024 · 0.34
Debt to equity
4.61▼
2024 · 9.41
ROE
43.4%▲
2024 · -35.5%
ROA
7.7%▲
2024 · -3.4%
Interest coverage
5.50▲
2024 · 4.90
Debt ≤ 1 year
€50,018▼
2024 · €73,387
Debt > 1 year
€185,246▼
2024 · €198,651
Income taxes
€5,307▲
2024 · €126
Staff costs
€42,526▲
2024 · €40,070
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
3.1%
went bankrupt
1.6%
stopped otherwise
94%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% 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 497,058 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 7,976 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €61,447 | €40,070 | €42,526 | ▲ 6.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,475 | €38,831 | €11,628 | ▼ 70.1% |
| Other operating charges640/8 | €1,202 | €516 | €1,327 | ▲ 157% |
| Gross operating margin9900 | €118,328 | €76,630 | €91,622 | ▲ 19.6% |
| Operating profit (loss)9901 | €46,203 | -€2,787 | €36,140 | ▲ 1,397% |
| Financial income75/76B | €57 | €0 | €0 | ▼ 83.3% |
| Recurring financial income75 | €57 | €0 | €0 | ▼ 83.3% |
| Financial charges65/66B | €1,327 | €7,350 | €8,681 | ▲ 18.1% |
| Recurring financial charges65 | €1,327 | €7,350 | €8,681 | ▲ 18.1% |
| Profit (loss) for the period before taxes9903 | €44,934 | -€10,137 | €27,459 | ▲ 371% |
| Income taxes67/77 | €10,769 | €126 | €5,307 | ▲ 4,120% |
| Profit (loss) for the period9904 | €34,165 | -€10,262 | €22,152 | ▲ 316% |
| Profit (loss) for the period to be appropriated9905 | €34,165 | -€10,262 | €22,152 | ▲ 316% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €107,373 | €300,941 | €286,319 | ▼ 4.9% |
| Fixed assets21/28 | €43,601 | €276,164 | €264,536 | ▼ 4.2% |
| Intangible fixed assets21 | €40,468 | €35,036 | €29,603 | ▼ 15.5% |
| Tangible fixed assets22/27 | €3,132 | €241,128 | €234,932 | ▼ 2.6% |
| Land and buildings22 | - | €239,003 | €233,562 | ▼ 2.3% |
| Plant, machinery and equipment23 | €2,530 | €1,950 | €1,370 | ▼ 29.7% |
| Furniture and vehicles24 | €602 | €175 | €0 | ▼ 100% |
| Current assets29/58 | €63,773 | €24,777 | €21,784 | ▼ 12.1% |
| Amounts receivable within one year40/41 | €17,053 | €7,219 | €9,646 | ▲ 33.6% |
| Trade receivables40 | €17,053 | €7,219 | €9,195 | ▲ 27.4% |
| Other amounts receivable41 | - | - | €450 | - |
| Cash at bank and in hand54/58 | €46,719 | €17,356 | €10,443 | ▼ 39.8% |
| Deferred charges and accrued income490/1 | - | €203 | €1,695 | ▲ 735% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €107,373 | €300,941 | €286,319 | ▼ 4.9% |
| Equity10/15 | €39,165 | €28,903 | €51,055 | ▲ 76.6% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €34,000 | €34,000 | €46,000 | ▲ 35.3% |
| Distributable reserves133 | €34,000 | €34,000 | €46,000 | ▲ 35.3% |
| Profit (loss) carried forward14 | €165 | -€10,097 | €55 | ▲ 101% |
| Amounts payable17/49 | €68,208 | €272,038 | €235,264 | ▼ 13.5% |
| Amounts payable after more than one year17 | €36,504 | €198,651 | €185,246 | ▼ 6.7% |
| Financial debts170/4 | - | €167,871 | €159,846 | ▼ 4.8% |
| Trade debts175 | €36,504 | €30,780 | €25,400 | ▼ 17.5% |
| Amounts payable within one year42/48 | €31,704 | €73,387 | €50,018 | ▼ 31.8% |
| Current portion of amounts payable after more than one year42 | - | €6,538 | €8,025 | ▲ 22.7% |
| Trade debts44 | €11,609 | €9,016 | €7,729 | ▼ 14.3% |
| Suppliers440/4 | €11,609 | €9,016 | €7,729 | ▼ 14.3% |
| Taxes, remuneration and social security45 | €20,072 | €11,630 | €14,965 | ▲ 28.7% |
| Taxes450/3 | €17,945 | €6,106 | €10,733 | ▲ 75.8% |
| Remuneration and social security454/9 | €2,128 | €5,525 | €4,232 | ▼ 23.4% |
| Other amounts payable47/48 | €23 | €46,202 | €19,299 | ▼ 58.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €34,165 | -€10,262 | €22,152 | ▲ 316% |
| + Depreciation and write-downs630 | €9,475 | €38,831 | €11,628 | ▼ 70.1% |
| Operating cash flow (approximation) | €43,640 | €28,568 | €33,781 | ▲ 18.2% |
| Investment in fixed assets (approximation) | - | -€271,394 | €0 | ▲ 100% |
| Change in cash | - | -€29,364 | -€6,913 | ▲ 76.5% |
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
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €22,152
Net result €22,152 after one loss-making year.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet -€10,262
Net result drops to -€10,262, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Nazareth-De Pinte · 1 establishment unit since 2021
Ground area
1,486 m²
Building footprint
1,229 m²
Volume, LiDAR
6,638 m³
2 parcels, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
LECTUUR
since 20212.324.421.490
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A1019/00A000 | Flanders | 1,144 m² | 1 · 1,131 m² | 10.5 m · 1 fl. |
| 44012A0141/00S003 | Flanders | 342 m² | 1 · 98 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,342 companies in sector 47621 we hold annual accounts for 1,244. 1,099 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
Founded19-11-2021
Fiscal year end30-06
Activities, NACEBEL 2025
47610Retail trade
47621Retail sale of newspapers and periodicals
47260Retail trade
92000Gambling and betting activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0777512606
Registered
04-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.