LIBRAIRIE POINT VIRGULE
ActiveLIBRAIRIE POINT VIRGULE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €557k and a net result of €83k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+17
Solvency89▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 3.29 in 2024; short-term debt: 36.1% and cash: 35.5% of total assets), and 36.1% 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 →
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
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
63.9%
Return on assets
9.5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
6 d late
2024
13 d early
2023
14 d early
2022
20 d early
2021
20 d early
2020
29 d early
2019
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€83k▼ 4.2%
2024 · €87k
2018: €70k
2019: €55k
2020: €108k
2021: €66k
2022: €79k
2023: €85k
2024: €87k
2018 → 2025
Working capital
€554k▼ 2.6%
2024 · €568k
2018: €438k
2019: €458k
2020: €522k
2021: €439k
2022: €510k
2023: €529k
2024: €568k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€444k-€523k▲ 17.9%€538k▲ 2.8%€574k▲ 6.8%€557k▼ 3.0%
Operating result€93k-€128k▲ 36.8%€112k▼ 12.4%€114k▲ 2.3%€115k▲ 0.9%
Net result€66k-€79k▲ 19.4%€85k▲ 6.7%€87k▲ 2.2%€83k▼ 4.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €872k
Fixed assets
€4k▼ 40.6%
Current assets
€869k▲ 6.4%
Equity and liabilities €872k
Equity
€557k▼ 3.0%
Debt
€315k▲ 27.0%
The debt ratio rises from 30.2% to 36.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€118k▲
2024 · €118k
Cash flow
€85k▼
2024 · €90k
Solvency
63.9%▼
2024 · 69.8%
Current ratio
2.76▼
2024 · 3.29
Quick ratio
1.95▼
2024 · 2.21
Debt / equity
0.57▲
2024 · 0.43
ROE
14.9%▼
2024 · 15.1%
ROA
9.5%▼
2024 · 10.5%
Interest coverage
55.32▲
2024 · -78.70
Debt
€315k▲
2024 · €248k
Debt ≤ 1 year
€315k▲
2024 · €248k
Income taxes
€35k=
2024 · €35k
Staff costs
€117k▲
2024 · €113k
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€822k€872k▲
Fixed assets21/28€6k€4k▼
Intangible fixed assets21€175-
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€60€60=
Current assets29/58€816k€869k▲
Stocks and contracts in progress3€268k€254k▼
Stocks30/36€268k€254k▼
Amounts receivable within one year40/41€64k€55k▼
Trade receivables40€64k€55k▼
Current investments50/53€184k€241k▲
Cash at bank and in hand54/58€293k€310k▲
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€822k€872k▲
Equity10/15€574k€557k▼
Contributions10/11€8k€8k=
Reserves13€400k€382k▼
Distributable reserves133€400k€382k▼
Profit (loss) carried forward14€166k€167k▲
Amounts payable17/49€248k€315k▲
Amounts payable within one year42/48€248k€315k▲
Current portion of amounts payable after more than one year42-€9k
Trade debts44€160k€165k▲
Suppliers440/4€160k€165k▲
Taxes, remuneration and social security45€38k€39k▲
Taxes450/3€22k€22k▲
Remuneration and social security454/9€16k€17k▲
Other amounts payable47/48€50k€102k▲
Income statement
Code20242025
Remuneration, social security and pensions62€113k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€1k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€234k€237k▲
Operating profit (loss)9901€114k€115k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€-1k€2k▲
Recurring financial charges65€-1k€2k▲
Profit (loss) for the period before taxes9903€122k€118k▼
Income taxes67/77€35k€35k=
Profit (loss) for the period9904€87k€83k▼
Profit (loss) for the period to be appropriated9905€87k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€251k€249k▼
Profit (loss) brought forward from the previous period14P€165k€166k▲
Transfer from equity791/2€50k€100k▲
Transfer to equity691/2€85k€82k▼
To other reserves6921€85k€82k▼
Profit to be distributed694/7€50k€100k▲
Return on contributions (dividend)694€50k€100k▲
Social balance
Average headcount (FTE)90872.52.5=
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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500kEq €523k ▲17.9%
5 profitable years in a row build equity to €523k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €108k ▲98.5%
Operating result €149k, net result €108k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €55k ▼22.3%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Namur · 1 establishment unit since 2004
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 Lelièvre 15000 NamurGround area
141 m²
Building footprint
183 m²
Volume, LiDAR
2,372 m³
Parcel 92094C1178/00K000, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LIBRAIRIE POINT VIRGULE SPRL
since 20042.136.301.670
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C1178/00K000 | Wallonia | 141 m² | 1 · 183 m² | 14.6 m · 4 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 · 23 entries · 59,423 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 3 | 9,785 EUR |
| 2024 | 2 | 7,122 EUR |
| 2023 | 3 | 8,168 EUR |
| 2021 | 15 | 34,348 EUR |
Budget allocations
Aides ponctuelles dans le domaine des langues, des lettres et du livre
Mise en œuvre du PECA
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Of 601 companies in sector 47610 we hold annual accounts for 241. 131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2004
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
52470
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:081/22.79.37