EX LIBRIS
ActiveEX LIBRIS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75.45M and a net result of €1.08M. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+2
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity ample (current ratio 3.8 against 0.42 in 2024; short-term debt: 0.3% and cash: 1.3% of total assets), and 0.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
99.7%
Return on assets
1.4%
Age of the figures
9 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
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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
31 d early
2023
34 d early
2022
35 d early
2021
4 d early
2020
8 d early
2019
29 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€75.45M▲ 1.4%
2024 · €74.41M
2018: €952k
2019: €959k
2020: €994k
2021: €1.02M
2022: €523k
2023: €525k
2024: €74.41M
2018 → 2025
Total assets
€75.71M▲ 1.2%
2024 · €74.84M
2018: €1.54M
2019: €1.04M
2020: €1.12M
2021: €1.10M
2022: €1.07M
2023: €1.03M
2024: €74.84M
2018 → 2025
Net result
€1.08M
2024 · €-2k
2018: €-2k
2019: €7k
2020: €35k
2021: €26k
2022: €3k
2023: €2k
2024: €-2k
2018 → 2025
Working capital
€718k
2024 · €-250k
2018: €80k
2019: €106k
2020: €137k
2021: €147k
2022: €-296k
2023: €-286k
2024: €-250k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.02M-€523k▼ 48.8%€525k▲ 0.4%€74.41M▲ 14,077%€75.45M▲ 1.4%
Operating result€39k-€5k▼ 87.3%€4k▼ 17.6%€-861€34k
Net result€26k-€3k▼ 89.3%€2k▼ 21.3%€-2k€1.08M
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €34k after a loss of €861 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75.71M
Fixed assets
€74.73M▲ 0.1%
Current assets
€974k▲ 432%
Equity and liabilities €75.71M
Equity
€75.45M▲ 1.4%
Debt
€258k▼ 40.6%
The debt ratio falls from 0.6% to 0.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▲
2024 · €68k
Cash flow
€1.14M▲
2024 · €67k
Solvency
99.7%▲
2024 · 99.4%
Current ratio
3.80▲
2024 · 0.42
Quick ratio
3.80▲
2024 · 0.42
Debt / equity
0.00▼
2024 · 0.01
ROE
1.4%▲
2024 · 0.0%
ROA
1.4%▲
2024 · 0.0%
Interest coverage
34.59▼
2024 · 58.96
Debt
€258k▼
2024 · €435k
Debt ≤ 1 year
€256k▼
2024 · €434k
Debt > 1 year
€300=
2024 · €300
Income taxes
€117k▲
2024 · €478
Staff costs
€706
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€74.84M€75.71M▲
Fixed assets21/28€74.66M€74.73M▲
Tangible fixed assets22/27€774k€722k▼
Land and buildings22€757k€721k▼
Furniture and vehicles24€17k€278▼
Financial fixed assets28€73.89M€74.01M▲
Current assets29/58€183k€974k▲
Amounts receivable within one year40/41€26k€5k▼
Trade receivables40€15k-
Other amounts receivable41€11k€5k▼
Cash at bank and in hand54/58€154k€952k▲
Deferred charges and accrued income490/1€2k€17k▲
Equity and liabilities
Total equity and liabilities10/49€74.84M€75.71M▲
Equity10/15€74.41M€75.45M▲
Contributions10/11€74.15M€74.15M=
Capital10€74.15M€74.15M=
Issued capital100€74.15M€74.15M=
Reserves13€249k€1.29M▲
Non-distributable reserves130/1€26k€85k▲
Legal reserve130€26k€85k▲
Distributable reserves133€223k€1.21M▲
Profit (loss) carried forward14€12k€12k=
Amounts payable17/49€435k€258k▼
Amounts payable after more than one year17€300€300=
Other amounts payable178/9€300€300=
Amounts payable within one year42/48€434k€256k▼
Current portion of amounts payable after more than one year42€14k-
Trade debts44€17k€8k▼
Suppliers440/4€17k€8k▼
Taxes, remuneration and social security45€4k€114k▲
Taxes450/3€4k€114k▲
Other amounts payable47/48€399k€134k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62-€706
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€59k▼
Other operating charges640/8€9k€9k▲
Non-recurring operating charges66A€8k-
Gross operating margin9900€85k€102k▲
Operating profit (loss)9901€-861€34k▲
Financial income75/76B-€1.16M
Recurring financial income75-€1.16M
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-2k€1.19M▲
Income taxes67/77€478€117k▲
Profit (loss) for the period9904€-2k€1.08M▲
Profit (loss) for the period to be appropriated9905€-2k€1.08M▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€1.09M▲
Profit (loss) brought forward from the previous period14P€14k€12k▼
Transfer from equity791/2-€34k
Transfer to equity691/2-€1.08M
To contributions691-€0
To the legal reserve6920-€59k
To other reserves6921-€1.02M
Profit to be distributed694/7-€34k
Return on contributions (dividend)694-€34k
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €1.08M
Net result €1.08M after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 3.80
Current ratio from 0.42 to 3.80; short-term debt falls from €434k to €256k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-2k ▼215%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €50MEq €74.41M ▲14077%
Equity rises from €525k to €74.41M.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €1MEq €1.02M ▲2.6%
3 profitable years in a row build equity to €1.02M.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.01
Current ratio from 1.16 to 3.01; short-term debt falls from €518k to €53k.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
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
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, Hasselt · 1 establishment unit since 2003
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.
Galgebergstraat 493511 HasseltGround area
8,606 m²
Building footprint
306 m²
Volume, LiDAR
1,956 m³
Parcel 71032A0233/00T000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EX LIBRIS
since 20032.124.885.760
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032A0233/00T000 | Flanders | 8,606 m² | 1 · 305 m² | 9.3 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.
Similar companies · same sector, comparable size
STANDAARD BOEKHANDEL
BE 0426.396.954
Sint-Niklaas · Eq €75.42M
LYRECO BELGIUM
BE 0406.469.194
Herstal · Eq €44.28M
PRESS SHOP AND MORE
BE 0403.517.327
Grimbergen · Eq €10.87M
Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 3 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-07-1988
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.