Librairie Claudine
ActiveLibrairie Claudine has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €21k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-8
Solvency73▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 2.05 in 2024; short-term debt: 51.8% and cash: 48% of total assets), but 52.1% 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 · 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 46
Relative position
BE, all sectors
reference
Sector 46
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
47.9%
Return on assets
7.1%
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 17-08-2026, 17 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 · 6 filingsDeviation from the deadline
2025
17 d late
2024
31 d early
2023
32 d early
2022
28 d late
2021
2 d early
2020
37 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▼ 12.0%
2024 · €159k
2020: €84k
2021: €68k
2022: €76k
2023: €119k
2024: €159k
2020 → 2025
Total assets
€292k▼ 0.1%
2024 · €293k
2020: €165k
2021: €142k
2022: €209k
2023: €248k
2024: €293k
2020 → 2025
Net result
€21k▼ 47.7%
2024 · €40k
2020: €34k
2021: €-6k
2022: €9k
2023: €43k
2024: €40k
2020 → 2025
Working capital
€125k▼ 10.9%
2024 · €140k
2020: €64k
2021: €48k
2022: €51k
2023: €97k
2024: €140k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€76k▲ 12.6%€119k▲ 56.5%€159k▲ 33.5%€140k▼ 12.0%
Operating result€-5k-€10k€53k▲ 441%€56k▲ 5.7%€28k▼ 50.6%
Net result€-6k-€9k€43k▲ 405%€40k▼ 7.1%€21k▼ 47.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €292k
Fixed assets
€16k▼ 15.2%
Current assets
€276k▲ 0.9%
Equity and liabilities €292k
Equity
€140k▼ 12.0%
Debt
€152k▲ 14.1%
The debt ratio rises from 45.6% to 52.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €59k
Cash flow
€24k▼
2024 · €43k
Solvency
47.9%▼
2024 · 54.4%
Current ratio
1.83▼
2024 · 2.05
Quick ratio
1.21▼
2024 · 1.32
Debt / equity
1.09▲
2024 · 0.84
ROE
14.9%▼
2024 · 25.1%
ROA
7.1%▼
2024 · 13.7%
Interest coverage
14.00▼
2024 · 39.91
Debt
€152k▲
2024 · €133k
Debt ≤ 1 year
€151k▲
2024 · €133k
Income taxes
€6k▼
2024 · €15k
Staff costs
€14k
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€293k€292k▼
Fixed assets21/28€19k€16k▼
Intangible fixed assets21€186-
Tangible fixed assets22/27€17k€14k▼
Plant, machinery and equipment23€1k€959▼
Furniture and vehicles24€15k€13k▼
Financial fixed assets28€2k€2k=
Current assets29/58€274k€276k▲
Stocks and contracts in progress3€97k€93k▼
Stocks30/36€97k€93k▼
Amounts receivable within one year40/41€44k€43k▼
Trade receivables40€34k€26k▼
Other amounts receivable41€9k€17k▲
Cash at bank and in hand54/58€133k€140k▲
Deferred charges and accrued income490/1€194€770▲
Equity and liabilities
Total equity and liabilities10/49€293k€292k▼
Equity10/15€159k€140k▼
Contributions10/11€50k€50k=
Profit (loss) carried forward14€109k€90k▼
Amounts payable17/49€133k€152k▲
Amounts payable within one year42/48€133k€151k▲
Trade debts44€62k€48k▼
Suppliers440/4€62k€48k▼
Taxes, remuneration and social security45€32k€26k▼
Taxes450/3€32k€24k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€39k€77k▲
Accrued charges and deferred income492/3-€890
Income statement
Code20242025
Remuneration, social security and pensions62-€14k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€2k€12k▲
Gross operating margin9900€61k€56k▼
Operating profit (loss)9901€56k€28k▼
Financial income75/76B€477€892▲
Recurring financial income75€477€892▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€55k€26k▼
Income taxes67/77€15k€6k▼
Profit (loss) for the period9904€40k€21k▼
Profit (loss) for the period to be appropriated9905€40k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€130k▲
Profit (loss) brought forward from the previous period14P€69k€109k▲
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €159k ▲33.5%
3 profitable years in a row build equity to €159k.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €43k ▲405%
Net result €43k, the highest in the series.
31-12
Financial
Equity above €100kEq €119k ▲56.5%
2 profitable years in a row build equity to €119k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-6k ▼117%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wavre · 1 establishment unit since 2020
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.
Courte rue des Fontaines 741300 WavreGround area
74 m²
Building footprint
40 m²
Volume, LiDAR
332 m³
Parcel 25112M0049/00_000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Librairie Claudine
since 20202.305.773.637
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0049/00_000 | Wallonia | 74 m² | 1 · 40 m² | 10.8 m · 3 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.
Public money · subsidies and aid
Wallonia-Brussels Federation
2021 to 2025 · 16 entries · 29,645 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 5 | 13,941 EUR |
| 2024 | 4 | 5,191 EUR |
| 2021 | 7 | 10,512 EUR |
Budget allocations
Mise en œuvre du PECA
Aides ponctuelles dans le domaine des langues, des lettres et du livre
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Of 165 companies in sector 46491 we hold annual accounts for 90. 69 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-07-2020
Fiscal year end31-12
Abbreviation FR
Claudine
Activities, NACEBEL
46491Wholesale trade
47621Retail sale of newspapers and periodicals
47610Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.librairieclaudine.be
E-mail:info@librairieclaudine.be