LIBRAIRIE NOEL
ActiveLIBRAIRIE NOEL has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €-2k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 70% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-14
Solvency83▼-17
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 4.58 in 2024; short-term debt: 39.3% and cash: 30.3% of total assets), and 42.2% 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 · 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 · 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
57.8%
Return on assets
-1.4%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
20 d late
2022
32 d late
2021
59 d late
2020
23 d late
2019
68 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▼ 38.4%
2024 · €122k
2018: €77k
2019: €88k
2020: €89k
2021: €112k
2022: €134k
2023: €126k
2024: €122k
2018 → 2025
Total assets
€130k▼ 19.8%
2024 · €163k
2018: €126k
2019: €138k
2020: €151k
2021: €141k
2022: €191k
2023: €184k
2024: €163k
2018 → 2025
Net result
€-2k
2024 · €7k
2018: €7k
2019: €11k
2020: €21k
2021: €24k
2022: €22k
2023: €-1k
2024: €7k
2018 → 2025
Working capital
€71k▼ 39.5%
2024 · €117k
2018: €81k
2019: €94k
2020: €92k
2021: €112k
2022: €128k
2023: €120k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€134k▲ 19.6%€126k▼ 6.1%€122k▼ 3.1%€75k▼ 38.4%
Operating result€30k-€29k▼ 4.8%€6k▼ 78.6%€20k▲ 224%€11k▼ 45.4%
Net result€24k-€22k▼ 7.0%€-1k€7k€-2k
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 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€9k▼ 35.4%
Current assets
€122k▼ 18.4%
Equity and liabilities €130k
Equity
€75k▼ 38.4%
Debt
€55k▲ 36.5%
The debt ratio rises from 24.8% to 42.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€16k▼
2024 · €25k
Cash flow
€3k▼
2024 · €12k
Solvency
57.8%▼
2024 · 75.2%
Current ratio
2.38▼
2024 · 4.58
Quick ratio
1.85▼
2024 · 3.80
Debt / equity
0.73▲
2024 · 0.33
ROE
-2.4%▼
2024 · 5.9%
ROA
-1.4%▼
2024 · 4.5%
Interest coverage
1.58▼
2024 · 2.38
Debt
€55k▲
2024 · €40k
Debt ≤ 1 year
€51k▲
2024 · €33k
Debt > 1 year
€4k▼
2024 · €8k
Income taxes
€3k▼
2024 · €6k
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€163k€130k▼
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€8k▼
Furniture and vehicles24€13k€8k▼
Financial fixed assets28€124€124=
Current assets29/58€149k€122k▼
Stocks and contracts in progress3€25k€27k▲
Stocks30/36€25k€27k▲
Amounts receivable within one year40/41€82k€55k▼
Trade receivables40€53k€54k▲
Other amounts receivable41€29k€1k▼
Cash at bank and in hand54/58€40k€39k▼
Deferred charges and accrued income490/1€2k€165▼
Equity and liabilities
Total equity and liabilities10/49€163k€130k▼
Equity10/15€122k€75k▼
Contributions10/11€19k€19k=
Reserves13€104k€57k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€102k€55k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€40k€55k▲
Amounts payable after more than one year17€8k€4k▼
Financial debts170/4€8k€4k▼
Amounts payable within one year42/48€33k€51k▲
Current portion of amounts payable after more than one year42€4k€4k▼
Financial debts43€0€2k▲
Credit institutions430/8-€2k
Other loans439€0-
Trade debts44€15k€15k▼
Suppliers440/4€15k€15k▼
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€11k€30k▲
Accrued charges and deferred income492/3€0€50▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€8k€8k▲
Gross operating margin9900€33k€24k▼
Operating profit (loss)9901€20k€11k▼
Financial income75/76B€3k€2▼
Recurring financial income75€3k€2▼
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€13k€1k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€7k€-2k▼
Profit (loss) for the period to be appropriated9905€7k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-2k▼
Transfer from equity791/2€11k€47k▲
Transfer to equity691/2€7k€0▼
To other reserves6921€7k€0▼
Profit to be distributed694/7€11k€45k▲
Return on contributions (dividend)694€11k€45k▲
The notes to these accounts (16 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼125%
Net result drops to €-2k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Highest result since 2018net €24k ▲10.6%
Operating result €30k, net result €24k, both a record.
31-12
Financial
Equity above €100kEq €112k ▲26.8%
4 profitable years in a row build equity to €112k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
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
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, Nandrin · 1 establishment unit since 2009
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 Dinant 64550 NandrinGround area
87 m²
Building footprint
99 m²
Volume, LiDAR
805 m³
Parcel 61078C0045/00B002, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LIBRAIRIE NOEL
since 20092.181.782.495
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61078C0045/00B002 | Wallonia | 87 m² | 1 · 99 m² | 10.2 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 siteNandrin2.181.782.495
Similar companies · same sector, comparable size
Favori Gierle
BE 0680.808.653
Lille · Eq €75k
RTOC REPRO
BE 0474.728.292
Heusden-Zolder · Eq €76k
VORTHEX AEQUO
BE 0843.357.788
Heist-op-den-Berg · Eq €75k
SWEECK KEMPENEERS
BE 0439.065.847
Lier · Eq €75k
HET BOEK JUNIOR
BE 0542.340.361
Middelkerke · Eq €76k
Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,102 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2009
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
47242Retail sale of chocolate and confectionery
47260Retail trade
47789Other retail sale of new goods
82100Office administrative and support services
82190Office administrative, office support and other business support activities
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.