LIBRAIRIE DES COLLINES
ActiveLIBRAIRIE DES COLLINES has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €17k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 76% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
98
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+30
Solvency100▲+1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 2.4 in 2024), and 35% 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 · 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
65%
Return on assets
9%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
29 d late
2023
125 d late
2022
70 d late
2021
31 d late
2020
20 d late
2019
28 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k▲ 63.7%
2024 · €10k
2018: €28k
2019: €12k
2020: €14k
2021: €12k
2022: €-7k
2023: €-69
2024: €10k
2018 → 2025
Working capital
€111k▼ 1.3%
2024 · €112k
2018: €118k
2019: €126k
2020: €140k
2021: €144k
2022: €140k
2023: €146k
2024: €112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€170k-€164k▼ 4.0%€164k=€129k▼ 20.9%€121k▼ 6.4%
Operating result€12k-€-2k€-323▲ 81.7%€10k€21k▲ 114%
Net result€12k-€-7k€-69▲ 99.0%€10k€17k▲ 63.7%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 114% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €186k
Fixed assets
€11k▼ 35.4%
Current assets
€175k▼ 8.9%
Equity and liabilities €186k
Equity
€121k▼ 6.4%
Debt
€65k▼ 18.5%
The debt ratio falls from 38.2% to 35.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€27k▲
2024 · €16k
Cash flow
€23k▲
2024 · €16k
Solvency
65.0%▲
2024 · 61.8%
Current ratio
2.72▲
2024 · 2.40
Quick ratio
1.89▲
2024 · 1.77
Debt / equity
0.54▼
2024 · 0.62
ROE
13.8%▲
2024 · 7.9%
ROA
9.0%▲
2024 · 4.9%
Interest coverage
25.89▲
2024 · 18.88
Debt
€65k▼
2024 · €80k
Debt ≤ 1 year
€64k▼
2024 · €80k
Income taxes
€4k
Staff costs
€36▲
2024 · €35
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€186k▼
Fixed assets21/28€17k€11k▼
Tangible fixed assets22/27€7k€1k▼
Plant, machinery and equipment23€1k€818▼
Furniture and vehicles24€6k€406▼
Financial fixed assets28€10k€10k=
Current assets29/58€192k€175k▼
Stocks and contracts in progress3€50k€54k▲
Stocks30/36€50k€54k▲
Amounts receivable within one year40/41€44k€60k▲
Trade receivables40€6k€27k▲
Other amounts receivable41€38k€33k▼
Cash at bank and in hand54/58€97k€61k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€209k€186k▼
Equity10/15€129k€121k▼
Contributions10/11€8k€8k=
Reserves13€118k€93k▼
Distributable reserves133€118k€93k▼
Profit (loss) carried forward14€3k€20k▲
Amounts payable17/49€80k€65k▼
Amounts payable within one year42/48€80k€64k▼
Trade debts44€36k€39k▲
Suppliers440/4€36k€39k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€39k€21k▼
Accrued charges and deferred income492/3-€763
Income statement
Code20242025
Remuneration, social security and pensions62€35€36▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€64
Gross operating margin9900€18k€29k▲
Operating profit (loss)9901€10k€21k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€838€1k▲
Recurring financial charges65€838€1k▲
Profit (loss) for the period before taxes9903€10k€21k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€10k€17k▲
Profit (loss) for the period to be appropriated9905€10k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€20k▲
Profit (loss) brought forward from the previous period14P€-7k€3k▲
Transfer from equity791/2€44k€25k▼
Profit to be distributed694/7€44k€25k▼
Return on contributions (dividend)694€44k€25k▼
The notes to these accounts (6 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
03-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 125 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €-7k ▼157%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
31-12
Financial
Equity above €150kEq €159k ▲9.8%
3 profitable years in a row build equity to €159k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 23 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ellezelles · 1 establishment unit since 2011
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.
Rue d'Audenarde 107890 EllezellesGround area
270 m²
Building footprint
94 m²
Volume, LiDAR
847 m³
Parcel 51017D1025/00K000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LIBRAIRIE DES COLLINES
since 20112.205.130.890
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51017D1025/00K000 | Wallonia | 270 m² | 1 · 94 m² | 10.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEllezelles2.205.130.890
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Of 2,467 companies in sector 47279 we hold annual accounts for 942. 749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2011
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.