Librairie Ma Campagne
ActiveThe computed 12-month bankruptcy probability of Librairie Ma Campagne is 1.5% (moderate). The 2024 annual accounts show equity of €74k and a net result of €9k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 70% of 26048 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▲+3
Solvency81▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity ample (current ratio 2.35 against 1.82 in 2023; short-term debt: 42.2% and cash: 41.7% of total assets), and 44.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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 2024Solvency, return and age of the figures
Solvency
55.8%
Return on assets
7.1%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-11-2025, 111 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
111 d late
2023
134 d late
2022
136 d late
2021
92 d late
2020
27 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€709k
EBIT margin
-0.1%
Net result
€9k▲ 42.6%
2023 · €7k
2018: €-1k
2019: €27k
2020: €19k
2021: €-2k
2022: €-21k
2023: €7k
2018 → 2024
Working capital
€75k▲ 43.4%
2023 · €53k
2018: €-26k
2019: €11k
2020: €33k
2021: €43k
2022: €34k
2023: €53k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€81k-€78k▼ 3.0%€58k▼ 26.3%€64k▲ 11.4%€74k▲ 14.6%
Operating result€25k-€-1k€-19k▼ 1,265%€8k€13k▲ 57.9%
Net result€19k-€-2k€-21k▼ 740%€7k€9k▲ 42.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 58% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €132k
Fixed assets
€960▼ 93.4%
Current assets
€131k▲ 12.7%
Equity and liabilities €132k
Equity
€74k▲ 14.6%
Debt
€58k▼ 12.3%
The debt ratio falls from 50.9% to 44.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2023 · €22k
Cash flow
€23k▲
2023 · €21k
Solvency
55.8%▲
2023 · 49.1%
Current ratio
2.35▲
2023 · 1.82
Quick ratio
1.59▲
2023 · 1.15
Debt / equity
0.79▼
2023 · 1.03
ROE
12.7%▲
2023 · 10.2%
ROA
7.1%▲
2023 · 5.0%
Interest coverage
16.25▼
2023 · 16.88
Debt
€58k▼
2023 · €67k
Debt ≤ 1 year
€56k▼
2023 · €64k
Debt > 1 year
€3k▼
2023 · €3k
Income taxes
€2k▲
2023 · €263
Staff costs
€35k▼
2023 · €44k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€131k€132k▲
Fixed assets21/28€15k€960▼
Intangible fixed assets21€10k-
Tangible fixed assets22/27€4k€565▼
Leasing and similar rights25€4k€565▼
Financial fixed assets28€395€395=
Current assets29/58€116k€131k▲
Stocks and contracts in progress3€43k€42k▼
Stocks30/36€43k€42k▼
Amounts receivable within one year40/41€23k€34k▲
Trade receivables40€11k€12k▲
Other amounts receivable41€12k€22k▲
Cash at bank and in hand54/58€50k€55k▲
Equity and liabilities
Total equity and liabilities10/49€131k€132k▲
Equity10/15€64k€74k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€42k€52k▲
Amounts payable17/49€67k€58k▼
Amounts payable after more than one year17€3k€3k▼
Financial debts170/4€3k€3k▼
Amounts payable within one year42/48€64k€56k▼
Current portion of amounts payable after more than one year42€14k€209▼
Trade debts44€47k€51k▲
Suppliers440/4€47k€51k▲
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3-€2k
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48-€162
Income statement
Code20232024
Remuneration, social security and pensions62€44k€35k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€68k€62k▼
Operating profit (loss)9901€8k€13k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€7k€11k▲
Income taxes67/77€263€2k▲
Profit (loss) for the period9904€7k€9k▲
Profit (loss) for the period to be appropriated9905€7k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€52k▲
Profit (loss) brought forward from the previous period14P€36k€42k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 111 days late
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 134 days late
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
14-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 136 days late
2022
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.40
Current ratio from 1.17 to 2.40; short-term debt falls from €68k to €24k.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.17
Current ratio from 0.55 to 1.17.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
2016
06-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 67 days late
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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2015
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.
Waterlose Steenweg 3311060 Sint-Gillis (bij-Brussel)Ground area
108 m²
Building footprint
86 m²
Volume, LiDAR
1,191 m³
Parcel 21013B0384/00R003, Brussels · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Waterlose Steenweg 331, 1060 Sint-Gillis (bij-Brussel)
since 20152.237.014.790
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0384/00R003 | Brussels | 108 m² | 1 · 86 m² | 17.7 m · 5 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 siteSint-Gillis2.237.014.790
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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 (pre-2019)
Founded01-12-2014
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
47630Retail trade
47690Retail sale of other cultural and recreation goods
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.