LIBRAIRIE TITI
ActiveSummary
LIBRAIRIE TITI has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €8k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 37% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-9
Solvency43▲+1
Growth85=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.75 against 0.75 in 2024; short-term debt: 27.1% and cash: 7.5% of total assets), and 81.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
18.5%
Return on assets
1.7%
Age of the figures
9 mo
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
120 d late
2023
96 d late
2022
309 d late
2021
144 d late
2020
136 d late
2019
144 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.10M▲ 23.1%
2018 · €893k
2018: €893k
2018 → 2019
EBIT margin
2.8%▲ 1.8pp
2018 · 1.0%
2018: 1.0%
2018 → 2019
Net result
€8k▼ 63.1%
2024 · €21k
2018: €4k
2019: €22k
2020: €2k
2021: €-485
2022: €2k
2023: €170
2024: €21k
2018 → 2025
Working capital
€-32k▼ 14.3%
2024 · €-28k
2018: €24k
2019: €47k
2020: €53k
2021: €51k
2022: €40k
2023: €4k
2024: €-28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€57k▲ 4.5%€57k▲ 0.3%€78k▲ 36.6%€86k▲ 9.9%
Operating result€8k-€7k▼ 10.5%€5k▼ 32.3%€45k▲ 870%€26k▼ 41.8%
Net result€-485-€2k€170▼ 93.1%€21k▲ 12,222%€8k▼ 63.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€371k ▼ 2.8%
Current assets
€94k ▲ 11.7%
Equity and liabilities €466k
Equity
€86k ▲ 9.9%
Debt
€380k ▼ 2.2%
Debt's share of the balance-sheet total falls from 83.2% to 81.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▼
2024 · €70k
Cash flow
€39k▼
2024 · €46k
Current ratio
0.75▼
2024 · 0.75
Quick ratio
0.33▲
2024 · 0.30
Debt to equity
4.42▼
2024 · 4.97
ROE
9.0%▼
2024 · 26.8%
ROA
1.7%▼
2024 · 4.5%
Interest coverage
3.33▼
2024 · 4.10
Debt ≤ 1 year
€126k▲
2024 · €112k
Debt > 1 year
€253k▼
2024 · €276k
Income taxes
€2k▼
2024 · €7k
Staff costs
€52k▲
2024 · €44k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€466k€466k▼
Fixed assets21/28€382k€371k▼
Tangible fixed assets22/27€382k€371k▼
Land and buildings22€330k€335k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€52k€35k▼
Financial fixed assets28€132€132=
Current assets29/58€84k€94k▲
Stocks and contracts in progress3€51k€52k▲
Stocks30/36€51k€52k▲
Amounts receivable within one year40/41€10k€7k▼
Trade receivables40€3k€0▼
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€23k€35k▲
Deferred charges and accrued income490/1€811€54▼
Equity and liabilities
Total equity and liabilities10/49€466k€466k▼
Equity10/15€78k€86k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€58k€65k▲
Amounts payable17/49€388k€380k▼
Amounts payable after more than one year17€276k€253k▼
Financial debts170/4€276k€253k▼
Amounts payable within one year42/48€112k€126k▲
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44€37k€29k▼
Suppliers440/4€37k€29k▼
Advances received on contracts in progress46-€232
Taxes, remuneration and social security45€12k€18k▲
Taxes450/3€4k€8k▲
Remuneration and social security454/9€8k€11k▲
Other amounts payable47/48€41k€57k▲
Income statement
Code20242025
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€44k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€31k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€117k€111k▼
Operating profit (loss)9901€45k€26k▼
Financial income75/76B€208€710▲
Recurring financial income75€208€710▲
Financial charges65/66B€17k€17k=
Recurring financial charges65€17k€17k=
Profit (loss) for the period before taxes9903€28k€10k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€21k€8k▼
Profit (loss) for the period to be appropriated9905€21k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€65k▲
Profit (loss) brought forward from the previous period14P€37k€58k▲
The notes to these accounts (11 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
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 120 days late
2024
04-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 96 days late
04-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 309 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 144 days late
2021
31-12
Financial
Weakest financial yearnet €-485 ▼126%
Net result drops to €-485, the lowest in the series; recovery starts the following year.
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 136 days late
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 144 days late
2019
31-12
Financial
Highest result since 2018net €22k ▲391%
Net result €22k, the highest in the series.
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 71 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Fléron · 1 establishment unit since 2007
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.
Place Hector Denis 14624 FléronGround area
153 m²
Building footprint
80 m²
Volume, LiDAR
735 m³
Parcel 62089A0590/00P000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LIBRAIRIE TITI
since 20072.158.945.232
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62089A0590/00P000 | Wallonia | 153 m² | 1 · 80 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 siteFléron2.158.945.232
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MAGY M.
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LIBRAIRIE CARINE
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Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,095 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.