SILMAR BOOKS

Active

Private limited companyfounded 20233 yrs activeSteeneikstraat 2, 3600 Genk, BelgiumKBO/BCE: BE 0802.846.234

Summary

SILMAR BOOKS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110,915 and a net result of €27,845. Its solvency ranks better than 50% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisWatch Report Compare

SILMAR BOOKSActiveChecked score 67/100

Risk analysis Report Compare

Activity

Retail sale of newspapers and periodicals

NACE 47621Retail trade NACE 47610NACE 47620

3 sites

Size

€323,330total assets 2025

Staff: 5.5 FTE
Equity: €110,915
Profit: €27,845

Turnover not published (abridged schema)

Financial health

67 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.1%

Structure

Accounts 16 d early0 of 2 deeds read

Why 67- Founded in 2023- 1 change of registered office in 24 months+ Liquidity: current ratio 1.73, cash €159,262+ Figures for FY 2025 (filed 15-07-2026)Show the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 71% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 59+5

equity 34.3% of total assets

Liquidity 80+2

short-term debt 42.5% · cash 49.3%

Profitability 80-20

return on assets 8.6%

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,898 companies)

Last 15 months 08-2025: 0.7%lowest value 09-2025: 0.7%● 0.0% vs 08-2025lowest value 10-2025: 1.2%▲ +74.2% vs 09-2025 11-2025: 1.2%● 0.0% vs 10-2025 12-2025: 1.2%● 0.0% vs 11-2025 01-2026: 1.2%▼ -0.7% vs 12-2025 02-2026: 1.2%▼ -1.4% vs 01-2026 03-2026: 1.2%● 0.0% vs 02-2026 04-2026: 1.5%▲ +21.3% vs 03-2026 05-2026: 1.8%▲ +23.9% vs 04-2026 06-2026: 1.8%▼ -0.9% vs 05-2026 07-2026: 1.9%▲ +3.3% vs 06-2026highest value 08-2026: 1.1%▼ -39.7% vs 07-2026 09-2026: 1.1%▲ +1.0% vs 08-2026 10-2026: 1.1%● 0.0% vs 09-2026

Founded in 2023 raises the probability for this profile
1 change of registered office in 24 months raises the probability
Liquidity: current ratio 1.73, cash €159,262 lowers the probability
Figures for FY 2025 (filed 15-07-2026) lowers the probability

Credit up to €7,000 at 30 days acceptable

Liquidity ample (current ratio 1.73 against 1.59 in 2024; short-term debt: 42.5% and cash: 49.3% of total assets), but 65.7% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 50%, liquidity 84%, profitability 70%, growth against the median 81%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 1.73, cash €159,262

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Figures for FY 2025 (filed 15-07-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

16 d early

2024

23 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 20 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)

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 months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

15-07-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Equity above €100,000Eq €110,915 ▲33.5%
08-07-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Result fell in 2025from €78,070 to €27,845 ▼ 64.3% View
Among the largest 9% on gross marginsector median €33,587 · 20,038 companies €202,957 View
Total assets 20252 fiscal years filed €323,330 View