ML LIBRAIRIE
ActiveSummary
The computed 12-month bankruptcy probability of ML LIBRAIRIE is 1.9% (moderate). The 2025 annual accounts show equity of €47k and a net result of €12k. Equity is growing by ~38.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 18280 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+15
Solvency45▲+7
Growth62▼-16
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.15 in 2024; short-term debt: 80.2% and cash: 30.7% of total assets), and 80.2% of the assets are financed with debt.
Credit check 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 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
19.8%
Return on assets
5.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 4 filingsDeviation from the deadline
2025
25 d late
2024
30 d early
2023
48 d early
2022
26 d early
← 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
€1.36M▼ 0.4%
2024 · €1.37M
2024: €1.37M
2024 → 2025
EBIT margin
1.2%▲ 0.4pp
2024 · 0.8%
2024: 0.8%
2024 → 2025
Net result
€12k▲ 95.4%
2024 · €6k
2022: €2k
2023: €20k
2024: €6k
2022 → 2025
Working capital
€44k▲ 31.4%
2024 · €34k
2022: €9k
2023: €29k
2024: €34k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€1.37M€1.36M▼ 0.4%
Equity€10k-€29k▲ 205%€35k▲ 21.3%€47k▲ 34.3%
Operating result€2k-€25k▲ 1,094%€11k▼ 55.6%€16k▲ 45.3%
Net result€2k-€20k▲ 1,166%€6k▼ 68.3%€12k▲ 95.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 45% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239k
Fixed assets
€3k ▲ 95.1%
Current assets
€236k ▼ 9.2%
Equity and liabilities €239k
Equity
€47k ▲ 34.3%
Debt
€192k ▼ 15.2%
Debt's share of the balance-sheet total falls from 86.5% to 80.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k
Cash flow
€12k
Current ratio
1.23▲
2024 · 1.15
Quick ratio
0.81▼
2024 · 0.86
Debt to equity
4.05▼
2024 · 6.42
ROE
25.5%▲
2024 · 17.6%
ROA
5.1%▲
2024 · 2.4%
Interest coverage
36.71
Debt ≤ 1 year
€192k▼
2024 · €226k
Income taxes
€3k▼
2024 · €4k
Staff costs
€29k▼
2024 · €40k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€262k€239k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€2k
Financial fixed assets28€2k€2k=
Current assets29/58€260k€236k▼
Stocks and contracts in progress3€65k€82k▲
Stocks30/36€65k€82k▲
Amounts receivable within one year40/41€143k€81k▼
Trade receivables40€97k€37k▼
Other amounts receivable41€46k€44k▼
Cash at bank and in hand54/58€51k€73k▲
Deferred charges and accrued income490/1€410-
Equity and liabilities
Total equity and liabilities10/49€262k€239k▼
Equity10/15€35k€47k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€27k€39k▲
Amounts payable17/49€226k€192k▼
Amounts payable within one year42/48€226k€192k▼
Trade debts44€175k€136k▼
Suppliers440/4€175k€136k▼
Taxes, remuneration and social security45€21k€11k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€15k€6k▼
Other amounts payable47/48€30k€45k▲
Income statement
Code20242025
Turnover70€1.37M€1.36M▼
Goods, raw materials, services and sundry goods60/61€1.31M€1.31M▲
Remuneration, social security and pensions62€40k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€189
Other operating charges640/8€7k€3k▼
Gross operating margin9900€58k€48k▼
Operating profit (loss)9901€11k€16k▲
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€1k€440▼
Recurring financial charges65€1k€440▼
Profit (loss) for the period before taxes9903€10k€16k▲
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€6k€12k▲
Profit (loss) for the period to be appropriated9905€6k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€39k▲
Profit (loss) brought forward from the previous period14P€21k€27k▲
The notes to these accounts (6 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €20k ▲1166%
Operating result €25k, net result €20k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Châtelet · 1 establishment unit since 2022
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 Sart-Allet 1526200 ChâteletGround area
207 m²
Building footprint
53 m²
Volume, LiDAR
375 m³
Parcel 52013A0036/00B017, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ML LIBRAIRIE
since 20222.328.770.258
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52013A0036/00B017 | Wallonia | 207 m² | 1 · 53 m² | 8.2 m · 2 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 siteChâtelet2.328.770.258
Similar companies · same sector, comparable size
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ARTE LIBRO
BE 0459.887.391
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BE 0764.365.938
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TELELIVRE
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Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,094 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
Founded09-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
96102Launderettes and laundries for private customers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@as-consulting.be
Phone:+32486288601