LIBRAIRIE DES OURS
ActiveLIBRAIRIE DES OURS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €-9k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 66% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-27
Solvency93▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 1.87 against 1.96 in 2024), and 47.1% 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 · 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.9%
Return on assets
-11.3%
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 31-08-2026, 31 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
31 d late
2024
61 d late
2023
61 d late
2022
30 d late
2021
17 d late
2020
2 d early
2019
88 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
Equity
€44k▼ 17.5%
2024 · €53k
2018: €20k
2019: €37k
2020: €48k
2021: €57k
2022: €68k
2023: €50k
2024: €53k
2018 → 2025
Total assets
€83k▼ 16.3%
2024 · €99k
2018: €153k
2019: €134k
2020: €141k
2021: €126k
2022: €130k
2023: €97k
2024: €99k
2018 → 2025
Net result
€-9k
2024 · €3k
2018: €-16k
2019: €17k
2020: €11k
2021: €9k
2022: €11k
2023: €-18k
2024: €3k
2018 → 2025
Working capital
€34k▼ 22.7%
2024 · €44k
2018: €-22k
2019: €-9k
2020: €-4k
2021: €11k
2022: €40k
2023: €43k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€68k▲ 18.6%€50k▼ 26.2%€53k▲ 5.8%€44k▼ 17.5%
Operating result€13k-€17k▲ 35.8%€-18k€3k€-8k
Net result€9k-€11k▲ 15.9%€-18k€3k€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€10k▲ 7.3%
Current assets
€73k▼ 18.7%
Equity and liabilities €83k
Equity
€44k▼ 17.5%
Debt
€39k▼ 14.9%
The debt ratio rises from 46.3% to 47.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-7k▼
2024 · €5k
Cash flow
€-8k▼
2024 · €4k
Solvency
52.9%▼
2024 · 53.7%
Current ratio
1.87▼
2024 · 1.96
Quick ratio
0.40▼
2024 · 0.51
Debt / equity
0.89▲
2024 · 0.86
ROE
-21.3%▼
2024 · 5.5%
ROA
-11.3%▼
2024 · 2.9%
Interest coverage
-10.47▼
2024 · 8.33
Debt
€39k▼
2024 · €46k
Debt ≤ 1 year
€39k▼
2024 · €46k
Staff costs
€24k▲
2024 · €18k
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€99k€83k▼
Fixed assets21/28€9k€10k▲
Tangible fixed assets22/27€9k€10k▲
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€503€251▼
Other tangible fixed assets26€2k€4k▲
Financial fixed assets28€222€222=
Current assets29/58€89k€73k▼
Stocks and contracts in progress3€66k€57k▼
Stocks30/36€66k€57k▼
Amounts receivable within one year40/41€16k€14k▼
Trade receivables40€6k€4k▼
Other amounts receivable41€10k€10k=
Cash at bank and in hand54/58€6k€1k▼
Deferred charges and accrued income490/1€539€466▼
Equity and liabilities
Total equity and liabilities10/49€99k€83k▼
Equity10/15€53k€44k▼
Contributions10/11€19k€19k=
Reserves13€32k€32k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€2k€-7k▼
Amounts payable17/49€46k€39k▼
Amounts payable within one year42/48€46k€39k▼
Trade debts44€17k€3k▼
Suppliers440/4€17k€3k▼
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€2k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€20k€30k▲
Income statement
Code20242025
Remuneration, social security and pensions62€18k€24k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€634-
Gross operating margin9900€26k€19k▼
Operating profit (loss)9901€3k€-8k▼
Financial income75/76B€3€209▲
Recurring financial income75€3€209▲
Financial charges65/66B€564€1k▲
Recurring financial charges65€564€678▲
Non-recurring financial charges66B-€371
Profit (loss) for the period before taxes9903€3k€-9k▼
Profit (loss) for the period9904€3k€-9k▼
Profit (loss) for the period to be appropriated9905€3k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-7k▼
Profit (loss) brought forward from the previous period14P€-411€2k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €-18k ▼267%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Andenne · 1 establishment unit since 2014
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 de la Station 725300 AndenneGround area
78 m²
Building footprint
61 m²
Parcel 92411B0282/00P009, Wallonia. Linked by address, not a title deed.
1 establishment unit
LIBRAIRIE DES OURS
since 20142.228.026.256
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92411B0282/00P009 | Wallonia | 78 m² | 1 · 60 m² | - |
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 siteAndenne2.228.026.256
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Of 599 companies in sector 47610 we hold annual accounts for 240. 199 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2014
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.
Contact details
3 entriesE-mail:bacucedric@gmail.com
E-mail:cecile.pirot@yahoo.fr
Phone:085/82.62.31