LIBRAIRIE SCHUMAN
ActiveLIBRAIRIE SCHUMAN has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-2k. Equity is growing by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 42% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency42▲+8
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.21 against 1.15 in 2024), and 75.2% 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
24.8%
Return on assets
-1.7%
Age of the figures
8 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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
61 d late
2023
30 d late
2022
147 d late
2020
66 d early
2019
67 d early
2018
70 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€163k
EBIT margin
21.7%
Net result
€-2k
2024 · €8k
2018: €742
2019: €-1k
2020: €642
2022: €35k
2023: €7k
2024: €8k
2018 → 2025
Working capital
€17k▲ 16.3%
2024 · €14k
2018: €6k
2019: €4k
2020: €5k
2022: €13k
2023: €3k
2024: €14k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Turnover€163k
Equity€5k-€13k▲ 166%€20k▲ 51.8%€28k▲ 37.7%€26k▼ 6.4%
Operating result€625-€35k▲ 5,564%€15k▼ 57.4%€8k▼ 47.5%€5k▼ 41.5%
Net result€642-€35k▲ 5,290%€7k▼ 80.0%€8k▲ 10.3%€-2k
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€9k▼ 30.6%
Current assets
€96k▼ 14.9%
Equity and liabilities €105k
Equity
€26k▼ 6.4%
Debt
€79k▼ 19.4%
The debt ratio falls from 77.9% to 75.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€9k▼
2024 · €11k
Cash flow
€2k▼
2024 · €11k
Solvency
24.8%▲
2024 · 22.1%
Current ratio
1.21▲
2024 · 1.15
Quick ratio
0.31▼
2024 · 0.41
Debt / equity
3.03▼
2024 · 3.52
ROE
-6.8%▼
2024 · 27.4%
ROA
-1.7%▼
2024 · 6.1%
Interest coverage
20.51▼
2024 · 40.39
Debt
€79k▼
2024 · €98k
Debt ≤ 1 year
€79k▼
2024 · €98k
Income taxes
€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€126k€105k▼
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€9k▼
Furniture and vehicles24€13k€9k▼
Current assets29/58€113k€96k▼
Stocks and contracts in progress3€73k€71k▼
Stocks30/36€73k€71k▼
Amounts receivable within one year40/41€34k€2k▼
Trade receivables40€31k-
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€6k€23k▲
Equity and liabilities
Total equity and liabilities10/49€126k€105k▼
Equity10/15€28k€26k▼
Contributions10/11€15k€15k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€11k€9k▼
Amounts payable17/49€98k€79k▼
Amounts payable within one year42/48€98k€79k▼
Trade debts44€76k€79k▲
Suppliers440/4€76k€79k▲
Taxes, remuneration and social security45€4k-
Taxes450/3€3k-
Remuneration and social security454/9€1k-
Other amounts payable47/48€18k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€15k€10k▼
Operating profit (loss)9901€8k€5k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€283€427▲
Recurring financial charges65€283€427▲
Profit (loss) for the period before taxes9903€8k€4k▼
Income taxes67/77-€6k
Profit (loss) for the period9904€8k€-2k▼
Profit (loss) for the period to be appropriated9905€8k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€9k▼
Profit (loss) brought forward from the previous period14P€3k€11k▲
The notes to these accounts (4 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼123%
Net result drops to €-2k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
25-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 147 days late
2022
31-12
Financial
Highest result since 2018net €35k ▲5290%
Operating result €35k, net result €35k, both a record.
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €642
Net result €642 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 18.36
Current ratio from 6.75 to 18.36; short-term debt falls from €761 to €289.
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
20-05
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-09-2023
Apraham Tatev: Resigned as Director
30-09-2022
Nadia Maria Julienne VAN ACKER: Resigned as Director
Location & real-estate footprint
Registered office, Etterbeek · 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.
Froissartstraat 1431040 EtterbeekGround area
685 m²
Building footprint
663 m²
Volume, LiDAR
17,071 m³
Parcel 21806F0477/00N017, Brussels · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Froissartstraat 143, 1040 Etterbeek
since 20092.177.913.779
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0477/00N017 | Brussels | 685 m² | 1 · 663 m² | 34.5 m · 9 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.
Similar companies · same sector, comparable size
STATION AUSTERLITZ
BE 0762.614.295
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DE REYGHERE BOEKHANDEL
BE 0894.155.304
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BIBLIOTREK
BE 0597.922.549
Roeselare · Eq €27k
AM STRAM GRAM
BE 0463.984.652
Ukkel · Eq €25k
MANDSON
BE 0661.741.324
Mons · Eq €27k
Of 599 companies in sector 47610 we hold annual accounts for 240. 180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2009
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.