PAPETERIE.be
ActiveSummary
PAPETERIE.be has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €17k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 54% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▲+8
Solvency64▼-9
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.88 in 2024; short-term debt: 57.5% and cash: 1.6% of total assets), but 61.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
Retail trade (NACE 47)
about 45% more 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
17 d early
2023
on the day
2022
12 d early
2021
2 d late
2020
30 d late
2019
1 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€17k▲ 283%
2024 · €4k
2019: €24k
2020: €3k▼ -86.2% vs 2019lowest in 7 years
2021: €60k▲ +1755% vs 2020highest in 7 years
2022: €19k▼ -69.1% vs 2021
2023: €5k▼ -72.6% vs 2022
2024: €4k▼ -12.7% vs 2023
2025: €17k▲ +283% vs 2024
2019 → 2025
Working capital
€201k▼ 9.1%
2024 · €221k
2019: €159klowest in 7 years
2020: €162k▲ +2.2% vs 2019
2021: €271k▲ +67.3% vs 2020
2022: €266k▼ -2.1% vs 2021
2023: €276k▲ +3.9% vs 2022highest in 7 years
2024: €221k▼ -20.1% vs 2023
2025: €201k▼ -9.1% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€264k-€283k▲ 7.1%€288k▲ 1.8%€233k▼ 19.3%€190k▼ 18.4%
2021: €264k
2022: €283k▲ +7.1% vs 2021
2023: €288k▲ +1.8% vs 2022highest in 5 years
2024: €233k▼ -19.3% vs 2023
2025: €190k▼ -18.4% vs 2024lowest in 5 years
Operating result€68k-€33k▼ 50.9%€21k▼ 37.1%€16k▼ 22.2%€47k▲ 186%
2021: €68khighest in 5 years
2022: €33k▼ -50.9% vs 2021
2023: €21k▼ -37.1% vs 2022
2024: €16k▼ -22.2% vs 2023lowest in 5 years
2025: €47k▲ +186% vs 2024
Net result€60k-€19k▼ 69.1%€5k▼ 72.6%€4k▼ 12.7%€17k▲ 283%
2021: €60khighest in 5 years
2022: €19k▼ -69.1% vs 2021
2023: €5k▼ -72.6% vs 2022
2024: €4k▼ -12.7% vs 2023lowest in 5 years
2025: €17k▲ +283% vs 2024
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 186% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €489k
Fixed assets
€7k ▼ 40.5%
Current assets
€482k ▲ 2.3%
Equity and liabilities €489k
Equity
€190k ▼ 18.4%
Debt
€299k ▲ 19.6%
Debt's share of the balance-sheet total rises from 51.8% to 61.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€48k▲
2024 · €19k
Cash flow
€19k▲
2024 · €8k
Current ratio
1.71▼
2024 · 1.88
Quick ratio
0.13▼
2024 · 0.22
Debt to equity
1.58▲
2024 · 1.07
ROE
9.0%▲
2024 · 1.9%
ROA
3.5%▲
2024 · 0.9%
Interest coverage
3.36▲
2024 · 2.81
Debt ≤ 1 year
€281k▲
2024 · €250k
Debt > 1 year
€18k
Income taxes
€12k▲
2024 · €5k
Staff costs
€187k▲
2024 · €173k
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€483k€489k▲
Fixed assets21/28€12k€7k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€1k€708▼
Financial fixed assets28€7k€3k▼
Current assets29/58€471k€482k▲
Stocks and contracts in progress3€415k€446k▲
Stocks30/36€415k€446k▲
Amounts receivable within one year40/41€17k€16k▼
Trade receivables40€10k€8k▼
Other amounts receivable41€7k€7k=
Cash at bank and in hand54/58€27k€8k▼
Deferred charges and accrued income490/1€12k€13k▲
Equity and liabilities
Total equity and liabilities10/49€483k€489k▲
Equity10/15€233k€190k▼
Contributions10/11€54k€54k=
Reserves13€60k€60k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€43k€43k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€119k€76k▼
Amounts payable17/49€250k€299k▲
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€250k€281k▲
Current portion of amounts payable after more than one year42€0€7k▲
Trade debts44€127k€118k▼
Suppliers440/4€127k€118k▼
Taxes, remuneration and social security45€52k€55k▲
Taxes450/3€18k€27k▲
Remuneration and social security454/9€34k€29k▼
Other amounts payable47/48€71k€101k▲
Accrued charges and deferred income492/3-€393
Income statement
Code20242025
Remuneration, social security and pensions62€173k€187k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€9k€0▼
Non-recurring operating charges66A€0-
Gross operating margin9900€201k€235k▲
Operating profit (loss)9901€16k€47k▲
Financial income75/76B€234€462▲
Recurring financial income75€234€462▲
Financial charges65/66B€7k€18k▲
Recurring financial charges65€7k€14k▲
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€10k€29k▲
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€4k€17k▲
Profit (loss) for the period to be appropriated9905€4k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€119k€136k▲
Profit (loss) brought forward from the previous period14P€115k€119k▲
Transfer from equity791/2€60k€0▼
Profit to be distributed694/7€60k€60k=
Return on contributions (dividend)694€60k€60k=
Social balance
Average headcount (FTE)90874.64.8▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €132k | €130k | €173k | €187k | ▲ 7.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35k | €36k | €37k | €3k | €2k | ▼ 49.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €-38k | €0 | - | - |
| Other operating charges640/8 | - | €3k | €3k | €9k | €0 | ▼ 100% |
| Non-recurring operating charges66A | - | - | €7 | €0 | - | - |
| Gross operating margin9900 | €205k | €204k | €153k | €201k | €235k | ▲ 16.6% |
| Operating profit (loss)9901 | €68k | €33k | €21k | €16k | €47k | ▲ 186% |
| Financial income75/76B | - | €679 | €44 | €234 | €462 | ▲ 98.0% |
| Recurring financial income75 | €993 | €679 | €44 | €234 | €462 | ▲ 98.0% |
| Financial charges65/66B | - | €11k | €10k | €7k | €18k | ▲ 156% |
| Recurring financial charges65 | €8k | €11k | €10k | €7k | €14k | ▲ 108% |
| Non-recurring financial charges66B | - | - | - | - | €3k | - |
| Profit (loss) for the period before taxes9903 | €60k | €23k | €11k | €10k | €29k | ▲ 206% |
| Income taxes67/77 | - | €4k | €6k | €5k | €12k | ▲ 139% |
| Profit (loss) for the period9904 | €60k | €19k | €5k | €4k | €17k | ▲ 283% |
| Profit (loss) for the period to be appropriated9905 | €60k | €19k | €5k | €4k | €17k | ▲ 283% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €517k | €516k | €463k | €483k | €489k | ▲ 1.3% |
| Fixed assets21/28 | €81k | €49k | €12k | €12k | €7k | ▼ 40.5% |
| Tangible fixed assets22/27 | €74k | €42k | €6k | €5k | €4k | ▼ 28.7% |
| Plant, machinery and equipment23 | - | €37k | €4k | €4k | €3k | ▼ 26.0% |
| Furniture and vehicles24 | - | €6k | €2k | €1k | €708 | ▼ 38.9% |
| Financial fixed assets28 | €7k | €7k | €7k | €7k | €3k | ▼ 50.1% |
| Current assets29/58 | €436k | €467k | €451k | €471k | €482k | ▲ 2.3% |
| Stocks and contracts in progress3 | €357k | €381k | €376k | €415k | €446k | ▲ 7.5% |
| Stocks30/36 | - | €381k | €376k | €415k | €446k | ▲ 7.5% |
| Amounts receivable within one year40/41 | €49k | €62k | €48k | €17k | €16k | ▼ 10.4% |
| Trade receivables40 | - | €26k | €36k | €10k | €8k | ▼ 17.9% |
| Other amounts receivable41 | - | €36k | €12k | €7k | €7k | = |
| Cash at bank and in hand54/58 | €27k | €20k | €16k | €27k | €8k | ▼ 71.6% |
| Deferred charges and accrued income490/1 | - | €3k | €11k | €12k | €13k | ▲ 8.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €517k | €516k | €463k | €483k | €489k | ▲ 1.3% |
| Equity10/15 | €264k | €283k | €288k | €233k | €190k | ▼ 18.4% |
| Contributions10/11 | - | €54k | €54k | €54k | €54k | = |
| Reserves13 | €120k | €120k | €120k | €60k | €60k | = |
| Non-distributable reserves130/1 | - | €7k | €7k | €0 | - | - |
| Reserves not available under the articles1311 | - | €7k | €7k | €0 | - | - |
| Tax-exempt reserves132 | - | €43k | €43k | €43k | €43k | = |
| Distributable reserves133 | - | €70k | €70k | €17k | €17k | = |
| Profit (loss) carried forward14 | €91k | €110k | €115k | €119k | €76k | ▼ 36.0% |
| Amounts payable17/49 | €252k | €233k | €175k | €250k | €299k | ▲ 19.6% |
| Amounts payable after more than one year17 | €88k | €32k | €0 | - | €18k | - |
| Financial debts170/4 | - | €32k | €0 | - | €18k | - |
| Amounts payable within one year42/48 | €165k | €201k | €175k | €250k | €281k | ▲ 12.4% |
| Current portion of amounts payable after more than one year42 | - | €59k | €32k | €0 | €7k | - |
| Trade debts44 | €72k | €102k | €108k | €127k | €118k | ▼ 7.3% |
| Suppliers440/4 | - | €102k | €108k | €127k | €118k | ▼ 7.3% |
| Taxes, remuneration and social security45 | - | €28k | €35k | €52k | €55k | ▲ 6.4% |
| Taxes450/3 | - | €4k | €11k | €18k | €27k | ▲ 50.9% |
| Remuneration and social security454/9 | - | €24k | €25k | €34k | €29k | ▼ 16.5% |
| Other amounts payable47/48 | - | €13k | €0 | €71k | €101k | ▲ 41.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €393 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €60k | €19k | €5k | €4k | €17k | ▲ 283% |
| + Depreciation and write-downs630 | €35k | €36k | €37k | €3k | €2k | ▼ 49.5% |
| Operating cash flow (approximation) | €95k | €55k | €42k | €8k | €19k | ▲ 148% |
| Investment in fixed assets (approximation) | - | €-5k | €0 | €-3k | €3k | ▲ 213% |
| Change in cash | - | €-7k | €-4k | €11k | €-19k | ▼ 275% |
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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
19-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
31-03
Financial
Highest result since 2019net €60k ▲1,755%
Operating result €68k, net result €60k, both a record.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
31-03
Financial
Weakest financial yearnet €3k ▼86.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
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Directors · office · real estate
Directors
5 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, Verviers · 1 establishment unit since 2012
Ground area
4.8 ha
Building footprint
1.6 ha
Volume, LiDAR
96,695 m³
Parcel 63079A1464/07E002, Wallonia · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PAGE 111
since 20122.211.466.970
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079A1464/07E002indicative | Wallonia | 4.8 ha | 1 · 1.6 ha | 12.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,347 companies in sector 47621 we hold annual accounts for 1,248. 1,033 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-03-2012
Fiscal year end31-03
Activities, NACEBEL 2025
47621Retail sale of newspapers and periodicals
47610Retail trade
47784Retail sale of souvenirs and religious articles
Scores and ratios are computed by Checked and are not a credit decision.