LIBRAIRIE L' ECRITOIRE
ActiveLIBRAIRIE L' ECRITOIRE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €-824. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 51% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-61
Solvency61▲+5
Growth65=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.36 in 2024; short-term debt: 59.5% and cash: 51.3% of total assets), but 64.4% 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.6%
Return on assets
-1.5%
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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
10 d late
2024
4 d late
2023
9 d early
2022
24 d late
2021
72 d late
2020
31 d late
2019
88 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.02M▲ 2.0%
2018 · €1.00M
2018: €1.00M
2018 → 2019
EBIT margin
-1.9%▼ 1.2pp
2018 · -0.7%
2018: -0.7%
2018 → 2019
Net result
€-824
2024 · €7k
2018: €-7k
2019: €-21k
2021: €-7k
2022: €34k
2023: €14k
2024: €7k
2018 → 2025
Working capital
€18k▲ 14.0%
2024 · €16k
2018: €-27k
2019: €-44k
2020: €-44k
2021: €-41k
2022: €-2k
2023: €10k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-35k-€-216▲ 99.4%€13k€21k▲ 54.2%€20k▼ 4.0%
Operating result€-7k-€42k€15k▼ 64.4%€7k▼ 50.3%€86▼ 98.8%
Net result€-7k-€34k€14k▼ 60.6%€7k▼ 46.7%€-824
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 99% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€4k▼ 8.6%
Current assets
€51k▼ 15.7%
Equity and liabilities €55k
Equity
€20k▼ 4.0%
Debt
€36k▼ 20.3%
The debt ratio falls from 68.5% to 64.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€612▼
2024 · €8k
Cash flow
€-298▼
2024 · €8k
Solvency
35.6%▲
2024 · 31.5%
Current ratio
1.56▲
2024 · 1.36
Quick ratio
0.92▲
2024 · 0.81
Debt / equity
1.81▼
2024 · 2.18
ROE
-4.2%▼
2024 · 35.1%
ROA
-1.5%▼
2024 · 11.1%
Interest coverage
0.67▼
2024 · 10.34
Debt
€36k▼
2024 · €45k
Debt ≤ 1 year
€33k▼
2024 · €45k
Debt > 1 year
€3k
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€65k€55k▼
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€3k€3k▼
Furniture and vehicles24€482€253▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€1k€1k=
Current assets29/58€61k€51k▼
Stocks and contracts in progress3€25k€21k▼
Stocks30/36€25k€21k▼
Amounts receivable within one year40/41€2k€802▼
Trade receivables40€366€33▼
Other amounts receivable41€2k€769▼
Cash at bank and in hand54/58€31k€28k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€65k€55k▼
Equity10/15€21k€20k▼
Contributions10/11€33k€33k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-15k€-16k▼
Amounts payable17/49€45k€36k▼
Amounts payable after more than one year17-€3k
Financial debts170/4-€3k
Amounts payable within one year42/48€45k€33k▼
Current portion of amounts payable after more than one year42€607€2k▲
Trade debts44€25k€22k▼
Suppliers440/4€25k€22k▼
Other amounts payable47/48€19k€9k▼
Accrued charges and deferred income492/3-€6
Income statement
Code20242025
Remuneration, social security and pensions62€54-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€494€526▲
Other operating charges640/8€624€638▲
Gross operating margin9900€9k€1k▼
Operating profit (loss)9901€7k€86▼
Financial income75/76B€584-
Recurring financial income75€584-
Financial charges65/66B€763€910▲
Recurring financial charges65€763€910▲
Profit (loss) for the period before taxes9903€7k€-824▼
Profit (loss) for the period9904€7k€-824▼
Profit (loss) for the period to be appropriated9905€7k€-824▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-16k▼
Profit (loss) brought forward from the previous period14P€-22k€-15k▲
The notes to these accounts (9 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Chapelle-lez-Herlaimont · 1 establishment unit since 2012
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 de Gouy 277160 Chapelle-lez-HerlaimontGround area
218 m²
Building footprint
72 m²
Volume, LiDAR
710 m³
Parcel 52010A0715/00G000, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L'Ecritoire
since 20122.208.656.643
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52010A0715/00G000 | Wallonia | 218 m² | 1 · 72 m² | 11.3 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 siteChapelle-lez-Herlaimont2.208.656.643
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Of 2,347 companies in sector 47621 we hold annual accounts for 1,246. 935 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2012
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
47260Retail trade
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.