LITTERA
ActiveLITTERA has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €8k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
83
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33=
Solvency83▼-11
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 2.28 in 2024), but 65% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
35%
Return on assets
2.3%
Age of the figures
8 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 18-08-2026, 18 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
18 d late
2024
12 d late
2023
40 d early
2022
55 d early
2021
25 d late
2020
17 d late
2019
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€127k▼ 22.2%
2024 · €164k
2018: €57k
2019: €89k
2020: €134k
2021: €171k
2022: €195k
2023: €185k
2024: €164k
2018 → 2025
Total assets
€364k▼ 4.1%
2024 · €380k
2018: €330k
2019: €338k
2020: €378k
2021: €398k
2022: €407k
2023: €427k
2024: €380k
2018 → 2025
Net result
€8k▼ 22.4%
2024 · €11k
2018: €36k
2019: €34k
2020: €45k
2021: €37k
2022: €24k
2023: €27k
2024: €11k
2018 → 2025
Working capital
€113k▼ 16.1%
2024 · €135k
2018: €78k
2019: €57k
2020: €101k
2021: €137k
2022: €161k
2023: €187k
2024: €135k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€171k-€195k▲ 14.0%€185k▼ 5.1%€164k▼ 11.6%€127k▼ 22.2%
Operating result€56k-€38k▼ 32.6%€41k▲ 10.0%€16k▼ 60.5%€16k▲ 0.5%
Net result€37k-€24k▼ 35.6%€27k▲ 11.2%€11k▼ 59.5%€8k▼ 22.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €364k
Fixed assets
€125k▼ 10.4%
Current assets
€239k▼ 0.5%
Equity and liabilities €364k
Equity
€127k▼ 22.2%
Provisions
€111k=
Debt
€126k▲ 19.5%
The debt ratio rises from 27.8% to 34.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€31k▼
2024 · €33k
Cash flow
€23k▼
2024 · €27k
Solvency
35.0%▼
2024 · 43.1%
Current ratio
1.90▼
2024 · 2.28
Quick ratio
1.90▼
2024 · 2.28
Debt / equity
0.99▲
2024 · 0.64
ROE
6.6%▼
2024 · 6.6%
ROA
2.3%▼
2024 · 2.8%
Interest coverage
22.19▼
2024 · 23.52
Debt
€126k▲
2024 · €105k
Debt ≤ 1 year
€126k▲
2024 · €105k
Income taxes
€7k▼
2024 · €8k
Staff costs
€288k▲
2024 · €274k
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€380k€364k▼
Fixed assets21/28€139k€125k▼
Tangible fixed assets22/27€139k€125k▼
Land and buildings22€131k€125k▼
Plant, machinery and equipment23€9k-
Current assets29/58€241k€239k▼
Amounts receivable within one year40/41€66k€62k▼
Trade receivables40€49k€52k▲
Other amounts receivable41€16k€10k▼
Cash at bank and in hand54/58€175k€175k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€380k€364k▼
Equity10/15€164k€127k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k-
Other1109/19-€19k
Reserves13€145k€109k▼
Distributable reserves133€145k€109k▼
Provisions and deferred taxes16€111k€111k=
Provisions for liabilities and charges160/5€111k€111k=
Pensions and similar obligations160€111k€111k=
Amounts payable17/49€105k€126k▲
Amounts payable within one year42/48€105k€126k▲
Current portion of amounts payable after more than one year42€10k-
Financial debts43-€20k
Credit institutions430/8-€20k
Trade debts44€7k€726▼
Suppliers440/4€7k€726▼
Taxes, remuneration and social security45€56k€61k▲
Taxes450/3€16k€21k▲
Remuneration and social security454/9€40k€40k▲
Other amounts payable47/48€32k€44k▲
Income statement
Code20242025
Remuneration, social security and pensions62€274k€288k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€309k€322k▲
Operating profit (loss)9901€16k€16k▲
Financial income75/76B€3k-
Recurring financial income75€3k-
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€18k€15k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€11k€8k▼
Profit (loss) for the period to be appropriated9905€11k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€8k▼
Transfer from equity791/2€32k€45k▲
Transfer to equity691/2€11k€8k▼
To other reserves6921€11k€8k▼
Profit to be distributed694/7€32k€45k▲
Return on contributions (dividend)694€32k€45k▲
The notes to these accounts (7 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Weakest financial yearnet €8k ▼22.4%
Net result drops to €8k, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Equity above €150kEq €171k ▲27.8%
4 profitable years in a row build equity to €171k.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Highest result since 2018net €45k ▲32.1%
Operating result €62k, net result €45k, both a record.
31-12
Financial
Equity above €100kEq €134k ▲50.1%
3 profitable years in a row build equity to €134k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Knokke-Heist · 2 establishment units since 1992
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.
Asterstraat 158300 Knokke-HeistGround area
1,224 m²
Building footprint
798 m²
Volume, LiDAR
7,186 m³
3 parcels, Flanders · tallest building 30.0 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
LITTERA BVBA
since 19922.060.052.445
LITTERA
since 20152.246.944.820
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013D0038/00H000 | Flanders | 581 m² | 1 · 135 m² | 8.0 m · 2 fl. |
| 31004A0566/00L002 | Flanders | 329 m² | 1 · 349 m² | 30.0 m · 5 fl. |
| 31332F0047/00B000 | Flanders | 314 m² | 1 · 314 m² | 17.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BAVARIAN
BE 0896.777.569
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BMB Automobiles
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TPMW
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Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 1,403 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-1992
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
47620Retail trade
47621Retail sale of newspapers and periodicals
51180
52470
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.