MEMOGRAMES
ActiveSummary
MEMOGRAMES has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€52,772) and a net result of -€41,917. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 14% of 687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-37
Solvency0▼-16
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.58 against 0.91 in 2024; short-term debt: 171.2% and cash: 2% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-71.2%
Return on assets
-56.5%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Publishing activities (NACE 58)
about 30% fewer bankruptcies
← 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€52,772
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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
13 d late
2024
62 d late
2023
9 d late
2022
8 d late
2021
373 d late
2020
54 d late
2019
54 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 82 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 37% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€52,772▼ 386%
2024 · -€10,856
Total assets
€74,150▼ 35.2%
2024 · €114,503
Net result
-€41,917▼ 23,061%
2024 · -€181
Working capital
-€52,772▼ 378%
2024 · -€11,051
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 58, Publishing activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,711▲ 44.9%-€942€424€59▼ 86.0%-€41,863
Net result€2,390within the sector's middle half▲ 32.5%-€1,027within the sector's middle half-€148within the sector's middle half▲ 85.6%-€181within the sector's middle half▼ 22.5%-€41,917below the sector's middle half▼ 23,061%
Equity-€9,500below the sector's middle half▲ 20.1%-€10,527below the sector's middle half▼ 10.8%-€10,675below the sector's middle half▼ 1.4%-€10,856below the sector's middle half▼ 1.7%-€52,772below the sector's middle half▼ 386%
Total assets€131,062within the sector's middle half▲ 1.4%€128,791within the sector's middle half▼ 1.7%€112,643within the sector's middle half▼ 12.5%€114,503within the sector's middle half▲ 1.7%€74,150within the sector's middle half▼ 35.2%
Debt€140,562▼ 0.4%€139,318▼ 0.9%€123,318▼ 11.5%€125,359▲ 1.7%€126,923▲ 1.2%
Working capital-€9,753below the sector's middle half▲ 21.6%-€10,722below the sector's middle half▼ 9.9%-€10,870below the sector's middle half▼ 1.4%-€11,051below the sector's middle half▼ 1.7%-€52,772below the sector's middle half▼ 378%
Solvency-7.2%below the sector's middle half▲ 2.0pp-8.2%below the sector's middle half▼ 0.9pp-9.5%below the sector's middle half▼ 1.3pp-9.5%below the sector's middle half=-71.2%below the sector's middle half▼ 61.7pp
Current ratio0.93within the sector's middle half▲ 0.020.92within the sector's middle half▼ 0.010.91within the sector's middle half▼ 0.010.91below the sector's middle half=0.58below the sector's middle half▼ 0.33
Return on assets (ROA)1.8%within the sector's middle half▲ 0.4pp-0.8%within the sector's middle half▼ 2.6pp-0.1%within the sector's middle half▲ 0.7pp-0.2%within the sector's middle half=-56.5%below the sector's middle half▼ 56.4pp
above
within
below
the middle half (P25 to P75) of NACE 58, Publishing activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €41,863 after €59 in 2024, the lowest result in the available series.
Key figures and ratios
Quick ratio
0.02▲
2024 · 0.02
Debt to equity
-2.41▲
2024 · -11.55
Debt ≤ 1 year
€126,923▲
2024 · €125,359
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.8%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €292 | €58 | - | - | - | - |
| Other operating charges640/8 | €552 | - | €601 | €263 | €289 | ▲ 9.8% |
| Gross operating margin9900 | €3,554 | -€884 | €1,025 | €322 | -€41,574 | ▼ 12,995% |
| Operating profit (loss)9901 | €2,711 | -€942 | €424 | €59 | -€41,863 | ▼ 70,790% |
| Financial charges65/66B | €121 | €85 | €80 | €171 | €54 | ▼ 68.4% |
| Recurring financial charges65 | €121 | €85 | €80 | €171 | €54 | ▼ 68.4% |
| Profit (loss) for the period before taxes9903 | €2,589 | -€1,027 | €344 | -€112 | -€41,917 | ▼ 37,366% |
| Income taxes67/77 | €199 | - | €492 | €69 | - | - |
| Profit (loss) for the period9904 | €2,390 | -€1,027 | -€148 | -€181 | -€41,917 | ▼ 23,061% |
| Profit (loss) for the period to be appropriated9905 | €2,390 | -€1,027 | -€148 | -€181 | -€41,917 | ▼ 23,061% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €131,062 | €128,791 | €112,643 | €114,503 | €74,150 | ▼ 35.2% |
| Fixed assets21/28 | €253 | €195 | €195 | €195 | €0 | ▼ 100% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €58 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €58 | €0 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €195 | €195 | €195 | €195 | €0 | ▼ 100% |
| Current assets29/58 | €130,809 | €128,596 | €112,448 | €114,308 | €74,150 | ▼ 35.1% |
| Stocks and contracts in progress3 | €111,721 | €111,429 | €111,749 | €112,101 | €71,887 | ▼ 35.9% |
| Stocks30/36 | €111,721 | €111,429 | €111,749 | €112,101 | €71,887 | ▼ 35.9% |
| Amounts receivable within one year40/41 | €18,469 | €16,682 | €484 | €607 | €763 | ▲ 25.7% |
| Trade receivables40 | €17,912 | €15,929 | €0 | €0 | - | - |
| Other amounts receivable41 | €557 | €753 | €484 | €607 | €763 | ▲ 25.7% |
| Cash at bank and in hand54/58 | €619 | €485 | €215 | €1,601 | €1,500 | ▼ 6.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €131,062 | €128,791 | €112,643 | €114,503 | €74,150 | ▼ 35.2% |
| Equity10/15 | -€9,500 | -€10,527 | -€10,675 | -€10,856 | -€52,772 | ▼ 386% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€28,100 | -€29,127 | -€29,275 | -€29,456 | -€71,372 | ▼ 142% |
| Amounts payable17/49 | €140,562 | €139,318 | €123,318 | €125,359 | €126,923 | ▲ 1.2% |
| Amounts payable within one year42/48 | €140,562 | €139,318 | €123,318 | €125,359 | €126,923 | ▲ 1.2% |
| Trade debts44 | €1,505 | €65 | €464 | €1,411 | €2,599 | ▲ 84.2% |
| Suppliers440/4 | €1,505 | €65 | €464 | €1,411 | €2,599 | ▲ 84.2% |
| Taxes, remuneration and social security45 | €491 | €381 | €731 | €141 | €0 | ▼ 100% |
| Taxes450/3 | €491 | €381 | €731 | €141 | €0 | ▼ 100% |
| Other amounts payable47/48 | €138,565 | €138,872 | €122,123 | €123,808 | €124,324 | ▲ 0.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,390 | -€1,027 | -€148 | -€181 | -€41,917 | ▼ 23,061% |
| + Depreciation and write-downs630 | €292 | €58 | - | - | - | - |
| Operating cash flow (approximation) | €2,682 | -€969 | -€148 | -€181 | -€41,917 | ▼ 23,061% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €195 | - |
| Change in cash | - | -€135 | -€269 | €1,385 | -€101 | ▼ 107% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Weakest financial yearnet -€41,917
Net result drops to -€41,917, the lowest in the series.
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 62 days late
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 373 days late
2021
31-12
Financial
Highest result since 2018net €2,390 ▲32.5%
Net result €2,390, the highest in the series.
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 54 days late
2020
31-12
Financial
Back to profitnet €1,804
Net result €1,804 after one loss-making year.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 53 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Frameries · 1 establishment unit since 2003
Ground area
7,760 m²
Building footprint
126 m²
Volume, LiDAR
1,032 m³
2 parcels, Brussels, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zevensterrenstraat 13, 1082 Sint-Agatha-Berchem
since 20032.123.026.825
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53028B0158/00G006 | Wallonia | 7,574 m² | - | - |
| 21003A0277/00A006 | Brussels | 186 m² | 1 · 125 m² | 13.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
Ardeyon
BE 1007.581.956
Frameries
ADVINSS
BE 0887.192.484
Mons
Allary Éditions sas
BE 1039.400.233
PARIS
AMYRIS
BE 0457.687.669
Enghien
BAPTISTE WAUTIER, CONSEILS ET PROJETS
BE 0780.484.665
Braine-le-Comte
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,115 companies in sector 58110 we hold annual accounts for 363. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded17-12-2002
Fiscal year end31-12
Activities, NACEBEL 2025
58110Book publishing
18120Other printing
58130Publishing activities
58120Publishing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479121206
Also
9925:BE0479121206
Registered
23-09-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.