LIBRAIRIE CHARLEMAGNE
ActiveSummary
LIBRAIRIE CHARLEMAGNE has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €237k and a net result of €-23k. Equity remains stable across the filed fiscal years (±2.1% per year). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability8▼-7
Solvency100=
Growth41=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 5.87 against 16.0 in 2024; short-term debt: 10.1% and cash: 0% of total assets), and 11.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-23k
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
28 d late
2023
61 d late
2022
88 d late
2021
2 d late
2020
90 d late
2019
69 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€11k▲ 14.6%
2020 · €10k
2019: €10klowest in 3 years
2020: €10k● +0.0% vs 2019
2021: €11k▲ +14.6% vs 2020highest in 3 years
2019 → 2021
EBIT margin
16.3%▲ 8.3pp
2020 · 8.1%
2019: -0.1%lowest in 3 years
2020: 8.1%▲ +7071% vs 2019
2021: 16.3%▲ +103% vs 2020highest in 3 years
2019 → 2021
Net result
€-23k▼ 155%
2024 · €-9k
2019: €5khighest in 7 years
2020: €4k▼ -24.9% vs 2019
2021: €2k▼ -39.4% vs 2020
2022: €-4k▼ -273% vs 2021
2023: €-8k▼ -85.5% vs 2022
2024: €-9k▼ -18.0% vs 2023
2025: €-23k▼ -155% vs 2024lowest in 7 years
2019 → 2025
Working capital
€132k▼ 11.6%
2024 · €150k
2020: €150k
2021: €154k▲ +2.3% vs 2020
2022: €155k▲ +0.9% vs 2021highest in 6 years
2023: €153k▼ -1.4% vs 2022
2024: €150k▼ -2.3% vs 2023
2025: €132k▼ -11.6% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€11k-
Equity€281k-€277k▼ 1.5%€269k▼ 2.7%€260k▼ 3.3%€237k▼ 8.8%
2021: €281khighest in 5 years
2022: €277k▼ -1.5% vs 2021
2023: €269k▼ -2.7% vs 2022
2024: €260k▼ -3.3% vs 2023
2025: €237k▼ -8.8% vs 2024lowest in 5 years
Operating result€2k-€-6k€-9k▼ 60.0%€-11k▼ 14.7%€-24k▼ 118%
2021: €2khighest in 5 years
2022: €-6k▼ -416% vs 2021
2023: €-9k▼ -60.0% vs 2022
2024: €-11k▼ -14.7% vs 2023
2025: €-24k▼ -118% vs 2024lowest in 5 years
Net result€2k-€-4k€-8k▼ 85.5%€-9k▼ 18.0%€-23k▼ 155%
2021: €2khighest in 5 years
2022: €-4k▼ -273% vs 2021
2023: €-8k▼ -85.5% vs 2022
2024: €-9k▼ -18.0% vs 2023
2025: €-23k▼ -155% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2025 against €11k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €269k
Fixed assets
€110k ▼ 5.4%
Current assets
€159k ▼ 0.1%
Equity and liabilities €269k
Equity
€237k ▼ 8.8%
Provisions
€5k ▼ 14.5%
Debt
€27k ▲ 172%
Debt's share of the balance-sheet total rises from 3.6% to 10.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-17k▼
2024 · €-5k
Cash flow
€-17k▼
2024 · €-3k
Current ratio
5.87▼
2024 · 16.00
Debt to equity
0.11▲
2024 · 0.04
ROE
-9.6%▼
2024 · -3.5%
ROA
-8.5%▼
2024 · -3.3%
Interest coverage
-360.95▼
2024 · -88.49
Debt ≤ 1 year
€27k▲
2024 · €10k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€275k€269k▼
Fixed assets21/28€116k€110k▼
Tangible fixed assets22/27€116k€110k▼
Land and buildings22€116k€110k▼
Current assets29/58€160k€159k▼
Amounts receivable after more than one year29€70k€70k=
Trade receivables290€70k€70k=
Amounts receivable within one year40/41€90k€90k=
Trade receivables40€7k€7k=
Other amounts receivable41€83k€83k=
Cash at bank and in hand54/58€216€2▼
Equity and liabilities
Total equity and liabilities10/49€275k€269k▼
Equity10/15€260k€237k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€12k€10k▼
Tax-exempt reserves132€8k€7k▼
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€186k€165k▼
Provisions and deferred taxes16€5k€5k▼
Deferred taxes168€5k€5k▼
Amounts payable17/49€10k€27k▲
Amounts payable within one year42/48€10k€27k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Other amounts payable47/48€8k€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€1k€9k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€-3k€-6k▼
Operating profit (loss)9901€-11k€-24k▼
Financial income75/76B€1k€0▼
Recurring financial income75€1k€0▼
Financial charges65/66B€52€48▼
Recurring financial charges65€52€48▼
Profit (loss) for the period before taxes9903€-10k€-24k▼
Transfer from deferred taxes780€778€778=
Income taxes67/77€0-
Profit (loss) for the period9904€-9k€-23k▼
Transfer from tax-exempt reserves789€1k€1k=
Profit (loss) for the period to be appropriated9905€-8k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€186k€165k▼
Profit (loss) brought forward from the previous period14P€194k€186k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €11k | - | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €4k | €2k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €6k | €6k | €6k | €6k | = |
| Other operating charges640/8 | €3k | €2k | €0 | €1k | €9k | ▲ 644% |
| Non-recurring operating charges66A | - | - | - | - | €2k | - |
| Gross operating margin9900 | €8k | €3k | €-3k | €-3k | €-6k | ▼ 80.4% |
| Operating profit (loss)9901 | €2k | €-6k | €-9k | €-11k | €-24k | ▼ 118% |
| Financial income75/76B | €1k | €1k | €1k | €1k | €0 | ▼ 100% |
| Recurring financial income75 | €1k | €1k | €1k | €1k | €0 | ▼ 100% |
| Financial charges65/66B | €36 | €99 | €91 | €52 | €48 | ▼ 6.8% |
| Recurring financial charges65 | €36 | €99 | €91 | €52 | €48 | ▼ 6.8% |
| Profit (loss) for the period before taxes9903 | €3k | €-5k | €-8k | €-10k | €-24k | ▼ 142% |
| Transfer from deferred taxes780 | €2k | €778 | €778 | €778 | €778 | = |
| Income taxes67/77 | €3k | - | €-17 | €0 | - | - |
| Profit (loss) for the period9904 | €2k | €-4k | €-8k | €-9k | €-23k | ▼ 155% |
| Transfer from tax-exempt reserves789 | - | €1k | €1k | €1k | €1k | = |
| Profit (loss) for the period to be appropriated9905 | €2k | €-3k | €-6k | €-8k | €-22k | ▼ 179% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €290k | €285k | €280k | €275k | €269k | ▼ 2.3% |
| Fixed assets21/28 | €135k | €128k | €122k | €116k | €110k | ▼ 5.4% |
| Tangible fixed assets22/27 | €135k | €128k | €122k | €116k | €110k | ▼ 5.4% |
| Land and buildings22 | €135k | €128k | €122k | €116k | €110k | ▼ 5.4% |
| Current assets29/58 | €155k | €157k | €158k | €160k | €159k | ▼ 0.1% |
| Amounts receivable after more than one year29 | €70k | €70k | €70k | €70k | €70k | = |
| Trade receivables290 | €70k | €70k | €70k | €70k | €70k | = |
| Amounts receivable within one year40/41 | €85k | €87k | €88k | €90k | €90k | = |
| Trade receivables40 | €7k | €7k | €7k | €7k | €7k | = |
| Other amounts receivable41 | €78k | €79k | €81k | €83k | €83k | = |
| Cash at bank and in hand54/58 | €37 | €298 | €208 | €216 | €2 | ▼ 98.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €290k | €285k | €280k | €275k | €269k | ▼ 2.3% |
| Equity10/15 | €281k | €277k | €269k | €260k | €237k | ▼ 8.8% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | €62k | €62k | €62k | €62k | €62k | = |
| Issued capital100 | €62k | €62k | €62k | €62k | €62k | = |
| Reserves13 | €15k | €14k | €13k | €12k | €10k | ▼ 10.5% |
| Non-distributable reserves130/1 | €3k | - | - | - | - | - |
| Legal reserve130 | €3k | - | - | - | - | - |
| Tax-exempt reserves132 | €12k | €11k | €10k | €8k | €7k | ▼ 14.5% |
| Distributable reserves133 | - | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €203k | €201k | €194k | €186k | €165k | ▼ 11.6% |
| Provisions and deferred taxes16 | €8k | €7k | €6k | €5k | €5k | ▼ 14.5% |
| Deferred taxes168 | €8k | €7k | €6k | €5k | €5k | ▼ 14.5% |
| Amounts payable17/49 | €1k | €1k | €4k | €10k | €27k | ▲ 172% |
| Amounts payable within one year42/48 | €1k | €1k | €4k | €10k | €27k | ▲ 172% |
| Trade debts44 | - | - | €2k | €2k | €2k | ▲ 12.3% |
| Suppliers440/4 | - | - | €2k | €2k | €2k | ▲ 12.3% |
| Taxes, remuneration and social security45 | €1k | €1k | €0 | - | - | - |
| Taxes450/3 | €1k | €1k | €0 | - | - | - |
| Other amounts payable47/48 | - | - | €3k | €8k | €25k | ▲ 215% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €-4k | €-8k | €-9k | €-23k | ▼ 155% |
| + Depreciation and write-downs630 | €3k | €6k | €6k | €6k | €6k | = |
| Operating cash flow (approximation) | €5k | €2k | €-1k | €-3k | €-17k | ▼ 509% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €262 | €-91 | €9 | €-214 | ▼ 2,551% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2016
04-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 65 days late
2015
24-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 55 days late
2014
02-10
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 63 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 1984
Ground area
1,845 m²
Building footprint
1,031 m²
Volume, LiDAR
25,368 m³
2 parcels, Brussels · tallest building 29.5 m, ±9 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Karel de Grotelaan 60, 1000 Brussel
since 19842.025.879.642
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0277/00C005 | Brussels | 1,298 m² | 1 · 744 m² | 29.5 m · 9 fl. |
| 21673D0121/00D009 | Brussels | 547 m² | 1 · 288 m² | 24.3 m · 7 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
984500F6DA4DDFCB5A95
Identification & contact
Identification
Legal formPublic limited company
Founded04-11-1984
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.