Livro
ActiveLivro has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €307k and a net result of €53k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency95▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 1.91 in 2024), and 50% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
50%
Return on assets
8.6%
Age of the figures
8 mo
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
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
122 d early
2023
71 d early
2022
3 d early
2021
33 d early
2020
1 d early
2019
1 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
Equity
€307k▲ 20.7%
2024 · €254k
2018: €185k
2019: €217k
2020: €257k
2021: €181k
2022: €201k
2023: €217k
2024: €254k
2018 → 2025
Total assets
€613k▲ 13.2%
2024 · €541k
2018: €282k
2019: €324k
2020: €372k
2021: €402k
2022: €442k
2023: €491k
2024: €541k
2018 → 2025
Net result
€53k▲ 0.5%
2024 · €52k
2018: €15k
2019: €32k
2020: €41k
2021: €36k
2022: €35k
2023: €45k
2024: €52k
2018 → 2025
Working capital
€304k▲ 17.8%
2024 · €258k
2018: €177k
2019: €214k
2020: €257k
2021: €181k
2022: €201k
2023: €217k
2024: €258k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€181k-€201k▲ 11.0%€217k▲ 7.6%€254k▲ 17.2%€307k▲ 20.7%
Operating result€55k-€40k▼ 27.9%€57k▲ 45.3%€81k▲ 41.6%€73k▼ 10.1%
Net result€36k-€35k▼ 1.6%€45k▲ 27.9%€52k▲ 15.5%€53k▲ 0.5%
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 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €613k
Fixed assets
€3k▲ 113%
Current assets
€610k▲ 13.0%
Equity and liabilities €613k
Equity
€307k▲ 20.7%
Debt
€306k▲ 6.6%
The debt ratio falls from 53.1% to 50.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€74k▼
2024 · €81k
Cash flow
€53k▲
2024 · €52k
Solvency
50.0%▲
2024 · 46.9%
Current ratio
1.99▲
2024 · 1.91
Quick ratio
1.99▲
2024 · 1.91
Debt / equity
1.00▼
2024 · 1.13
ROE
17.1%▼
2024 · 20.6%
ROA
8.6%▼
2024 · 9.7%
Interest coverage
352.35▲
2024 · 15.00
Debt
€306k▲
2024 · €287k
Debt ≤ 1 year
€306k▲
2024 · €282k
Income taxes
€27k▲
2024 · €24k
Staff costs
€46k▲
2024 · €41k
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€541k€613k▲
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€1k€3k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€1k€1k▼
Current assets29/58€540k€610k▲
Amounts receivable within one year40/41€30k€37k▲
Trade receivables40€29k€31k▲
Other amounts receivable41€1k€7k▲
Current investments50/53€411k€447k▲
Cash at bank and in hand54/58€99k€125k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€541k€613k▲
Equity10/15€254k€307k▲
Contributions10/11€19k€19k=
Reserves13€235k€288k▲
Distributable reserves133€235k€288k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€287k€306k▲
Amounts payable within one year42/48€282k€306k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Advances received on contracts in progress46-€8k
Taxes, remuneration and social security45€23k€37k▲
Taxes450/3€14k€27k▲
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€256k€258k▲
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€41k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69€662▲
Other operating charges640/8€569€3k▲
Gross operating margin9900€123k€122k▼
Operating profit (loss)9901€81k€73k▼
Financial income75/76B€550€7k▲
Recurring financial income75€550€7k▲
Financial charges65/66B€5k€209▼
Recurring financial charges65€5k€209▼
Profit (loss) for the period before taxes9903€76k€79k▲
Income taxes67/77€24k€27k▲
Profit (loss) for the period9904€52k€53k▲
Profit (loss) for the period to be appropriated9905€52k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€53k▲
Transfer from equity791/2€15k€0▼
Transfer to equity691/2€52k€53k▲
To other reserves6921€52k€53k▲
Profit to be distributed694/7€15k€0▼
Return on contributions (dividend)694€15k€0▼
Directors or managers695€0-
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Highest result since 2018net €53k ▲0.5%
Net result €53k, the highest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €201k ▲11%
5 profitable years in a row build equity to €201k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €217k ▲17%
2 profitable years in a row build equity to €217k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Geel · 1 establishment unit since 2011
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.
Smallerijt 122440 GeelGround area
984 m²
Building footprint
807 m²
Volume, LiDAR
4,111 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Standaard Boekhandel Olen
since 20112.201.839.820
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375N0910/00X002 | Flanders | 851 m² | 1 · 81 m² | 10.5 m · 3 fl. |
| 13029E0156/00Y002 | Flanders | 132 m² | 1 · 726 m² | 5.9 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 12,928 EUR awarded · 12,928 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,899 EUR | 1,899 EUR |
| 2023 | 1 | 5,775 EUR | 5,775 EUR |
| 2022 | 1 | 5,254 EUR | 5,254 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 599 companies in sector 47610 we hold annual accounts for 240. 163 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2011
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.
Contact details
1 entryE-mail:kellyverstappen@hotmail.com