LIBRAIRIE WINDEN
ActiveLIBRAIRIE WINDEN has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €2k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 53 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-8
Solvency69▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 2.06 in 2024; short-term debt: 41.9% and cash: 26.5% of total assets), but 55.6% 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 92
Relative position
BE, all sectors
reference
Sector 92
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
44.4%
Return on assets
2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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
4 d late
2024
14 d early
2023
6 d early
2022
6 d early
2021
17 d early
2020
5 d late
2019
25 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▲ 4.7%
2024 · €36k
2018: €27k
2019: €13k
2020: €34k
2021: €51k
2022: €31k
2023: €31k
2024: €36k
2018 → 2025
Total assets
€84k▲ 23.4%
2024 · €68k
2018: €122k
2019: €96k
2020: €71k
2021: €70k
2022: €75k
2023: €72k
2024: €68k
2018 → 2025
Net result
€2k▼ 62.0%
2024 · €4k
2018: €-220
2019: €-13k
2020: €20k
2021: €17k
2022: €-10k
2023: €526
2024: €4k
2018 → 2025
Working capital
€23k▼ 16.2%
2024 · €27k
2018: €31k
2019: €20k
2020: €42k
2021: €50k
2022: €22k
2023: €23k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€31k▼ 39.4%€31k▲ 1.7%€36k▲ 14.2%€37k▲ 4.7%
Operating result€25k-€-9k€4k€8k▲ 93.0%€4k▼ 44.4%
Net result€17k-€-10k€526€4k▲ 739%€2k▼ 62.0%
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 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€26k▲ 69.7%
Current assets
€58k▲ 9.9%
Equity and liabilities €84k
Equity
€37k▲ 4.7%
Debt
€47k▲ 43.9%
The debt ratio rises from 47.7% to 55.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▼
2024 · €11k
Cash flow
€5k▼
2024 · €7k
Solvency
44.4%▼
2024 · 52.3%
Current ratio
1.65▼
2024 · 2.06
Quick ratio
0.70▲
2024 · 0.68
Debt / equity
1.25▲
2024 · 0.91
ROE
4.5%▼
2024 · 12.4%
ROA
2.0%▼
2024 · 6.5%
Interest coverage
5.75▼
2024 · 10.21
Debt
€47k▲
2024 · €32k
Debt ≤ 1 year
€35k▲
2024 · €26k
Debt > 1 year
€11k▲
2024 · €6k
Income taxes
€1k▼
2024 · €2k
Staff costs
€41k▲
2024 · €40k
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€68k€84k▲
Fixed assets21/28€15k€26k▲
Tangible fixed assets22/27€15k€26k▲
Plant, machinery and equipment23€52-
Furniture and vehicles24€395€13k▲
Other tangible fixed assets26€15k€13k▼
Financial fixed assets28€345€345=
Current assets29/58€53k€58k▲
Stocks and contracts in progress3€35k€33k▼
Stocks30/36€35k€33k▼
Amounts receivable within one year40/41€3€529▲
Other amounts receivable41€3€529▲
Cash at bank and in hand54/58€15k€22k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€68k€84k▲
Equity10/15€36k€37k▲
Contributions10/11€12k€12k=
Reserves13€39k€39k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€-16k€-14k▲
Amounts payable17/49€32k€47k▲
Amounts payable after more than one year17€6k€11k▲
Financial debts170/4€6k€11k▲
Amounts payable within one year42/48€26k€35k▲
Current portion of amounts payable after more than one year42€3k€8k▲
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€2k€393▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€11k€11k▼
Accrued charges and deferred income492/3€928€902▼
Income statement
Code20242025
Remuneration, social security and pensions62€40k€41k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€52k€50k▼
Operating profit (loss)9901€8k€4k▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€7k€3k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-14k▲
Profit (loss) brought forward from the previous period14P€-20k€-16k▲
The notes to these accounts (9 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €526
Net result €526 after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
26-07
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, Amay · 1 establishment unit since 2013
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 Rochamps(Jeh) 204540 AmayGround area
1,222 m²
Building footprint
228 m²
Volume, LiDAR
1,228 m³
2 parcels, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Librairie Winden
since 20132.215.305.893
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61003A1710/00W004 | Wallonia | 741 m² | 1 · 73 m² | 6.9 m · 2 fl. |
| 61046A0098/00F003 | Wallonia | 481 m² | 1 · 155 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteAmay2.215.305.893
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Of 506 companies in sector 92000 we hold annual accounts for 303. 166 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2012
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
92000Gambling and betting activities
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
47260Retail trade
47784Retail sale of souvenirs and religious articles
47786Retail trade
47789Other retail sale of new goods
61100Wired, wireless and satellite telecommunications
61200Telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.