LIBRAIRIE DE LA SAMBRE
ActiveLIBRAIRIE DE LA SAMBRE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €5k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-18
Solvency81▼-19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.55 against 4.8 in 2024; short-term debt: 16% and cash: 8% of total assets), and 43.7% 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
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 · 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
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
56.3%
Return on assets
3.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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
6 d late
2024
13 d early
2023
27 d late
2022
38 d early
2021
31 d late
2020
2 d early
2019
72 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5k▲ 15.2%
2024 · €4k
2018: €118
2019: €-9k
2020: €-11k
2021: €28k
2022: €8k
2023: €-583
2024: €4k
2018 → 2025
Working capital
€54k▼ 1.8%
2024 · €55k
2018: €33k
2019: €32k
2020: €28k
2021: €51k
2022: €49k
2023: €50k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€66k▲ 14.3%€65k▼ 0.9%€69k▲ 6.4%€74k▲ 7.0%
Operating result€33k-€15k▼ 55.2%€3k▼ 81.2%€9k▲ 226%€13k▲ 49.2%
Net result€28k-€8k▼ 70.4%€-583€4k€5k▲ 15.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132k
Fixed assets
€57k▲ 216%
Current assets
€75k▲ 8.3%
Equity and liabilities €132k
Equity
€74k▲ 7.0%
Debt
€58k▲ 223%
The debt ratio rises from 20.4% to 43.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €15k
Cash flow
€8k▼
2024 · €10k
Solvency
56.3%▼
2024 · 79.6%
Current ratio
3.55▼
2024 · 4.80
Quick ratio
0.60▼
2024 · 0.69
Debt / equity
0.78▲
2024 · 0.26
ROE
6.5%▲
2024 · 6.0%
ROA
3.7%▼
2024 · 4.8%
Interest coverage
3.21▼
2024 · 5.18
Debt
€58k▲
2024 · €18k
Debt ≤ 1 year
€21k▲
2024 · €14k
Debt > 1 year
€37k▲
2024 · €3k
Income taxes
€3k▲
2024 · €2k
Staff costs
€10k▲
2024 · €7k
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€87k€132k▲
Fixed assets21/28€18k€57k▲
Tangible fixed assets22/27€17k€56k▲
Plant, machinery and equipment23€8k€8k▼
Leasing and similar rights25€9k€48k▲
Financial fixed assets28€1k€1k▲
Current assets29/58€69k€75k▲
Stocks and contracts in progress3€59k€62k▲
Stocks30/36€59k€62k▲
Amounts receivable within one year40/41€1k€2k▲
Trade receivables40€0-
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€87k€132k▲
Equity10/15€69k€74k▲
Contributions10/11€22k€22k=
Reserves13-€4k
Distributable reserves133-€4k
Profit (loss) carried forward14€47k€48k▲
Amounts payable17/49€18k€58k▲
Amounts payable after more than one year17€3k€37k▲
Financial debts170/4€3k€37k▲
Amounts payable within one year42/48€14k€21k▲
Current portion of amounts payable after more than one year42€5k€7k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3-€2k
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€81€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€7k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€23k€29k▲
Operating profit (loss)9901€9k€13k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€6k€8k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€4k€5k▲
Profit (loss) for the period to be appropriated9905€4k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€52k▲
Profit (loss) brought forward from the previous period14P€43k€47k▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (12 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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 4.89
Current ratio from 2.29 to 4.89; short-term debt falls from €22k to €13k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
06-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
22-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 175 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
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, Thuin · 1 establishment unit since 2008
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 't Serstevens(THN) 326530 ThuinGround area
96 m²
Building footprint
52 m²
Volume, LiDAR
539 m³
Parcel 56078E0049/00P003, Wallonia · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue 't Serstevens(THN) 32, 6530 Thuin
since 20082.169.500.218
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56078E0049/00P003 | Wallonia | 96 m² | 1 · 52 m² | 11.9 m · 3 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 siteThuin2.169.500.218
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Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2008
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
47252Retail sale of beverages, general range
47260Retail trade
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0498/74.32.08