C. SOKOLOVITCH - MEDIATION DE DETTES
ActiveC. SOKOLOVITCH - MEDIATION DE DETTES has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €46k. Equity is shrinking by ~5% per year across the filed fiscal years. Its solvency ranks better than 58% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+59
Solvency63▲+5
Growth62▲+16
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.49 in 2024; short-term debt: 57.5% and cash: 3.6% of total assets), but 61.6% 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 · 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
38.4%
Return on assets
12.9%
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 30-08-2026, 30 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
30 d late
2024
49 d late
2023
40 d late
2022
70 d late
2021
58 d late
2020
19 d early
2019
105 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
€401k▼ 1.9%
2022 · €409k
2018: €411k
2019: €466k
2020: €354k
2021: €463k
2022: €409k
2018 → 2023
EBIT margin
-4.3%▲ 1.0pp
2022 · -5.3%
2018: 3.3%
2019: 17.4%
2020: 5.1%
2021: 0.1%
2022: -5.3%
2018 → 2023
Net result
€46k
2024 · €-22k
2018: €14k
2019: €72k
2020: €13k
2021: €-6k
2022: €-23k
2023: €-18k
2024: €-22k
2018 → 2025
Working capital
€149k▲ 30.0%
2024 · €115k
2018: €118k
2019: €176k
2020: €187k
2021: €205k
2022: €168k
2023: €143k
2024: €115k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€463k-€409k▼ 11.7%€401k▼ 1.9%
Equity€181k-€156k▼ 13.7%€138k▼ 11.3%€117k▼ 15.8%€138k▲ 18.2%
Operating result€598-€-22k€-17k▲ 20.7%€-11k▲ 38.0%€45k
Net result€-6k-€-23k▼ 295%€-18k▲ 22.6%€-22k▼ 24.2%€46k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €45k after a loss of €11k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €359k
Fixed assets
€4k=
Current assets
€356k▲ 1.6%
Equity and liabilities €359k
Equity
€138k▲ 18.2%
Debt
€222k▼ 6.6%
The debt ratio falls from 67.0% to 61.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
38.4%▲
2024 · 33.0%
Current ratio
1.72▲
2024 · 1.49
Quick ratio
1.72▲
2024 · 1.49
Debt / equity
1.61▼
2024 · 2.03
ROE
33.5%▲
2024 · -18.7%
ROA
12.9%▲
2024 · -6.2%
Debt
€222k▼
2024 · €237k
Debt ≤ 1 year
€207k▼
2024 · €235k
Income taxes
€2k▼
2024 · €17k
Staff costs
€18k▲
2024 · €18k
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€354k€359k▲
Fixed assets21/28€4k€4k=
Financial fixed assets28€4k€4k=
Current assets29/58€350k€356k▲
Amounts receivable after more than one year29€282k€329k▲
Other amounts receivable291€282k€329k▲
Amounts receivable within one year40/41€50k€14k▼
Trade receivables40€50k€14k▼
Cash at bank and in hand54/58€18k€13k▼
Equity and liabilities
Total equity and liabilities10/49€354k€359k▲
Equity10/15€117k€138k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€102k€124k▲
Amounts payable17/49€237k€222k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€235k€207k▼
Current portion of amounts payable after more than one year42€7k€2k▼
Financial debts43-€77k
Credit institutions430/8-€77k
Trade debts44€53k€25k▼
Suppliers440/4€53k€25k▼
Advances received on contracts in progress46€250€18k▲
Taxes, remuneration and social security45€104k€73k▼
Taxes450/3€90k€65k▼
Remuneration and social security454/9€14k€8k▼
Other amounts payable47/48€71k€12k▼
Accrued charges and deferred income492/3-€15k
Income statement
Code20242025
Non-recurring operating income76A€23k€7k▼
Remuneration, social security and pensions62€18k€18k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Non-recurring operating charges66A€2k€-250▼
Gross operating margin9900€10k€63k▲
Operating profit (loss)9901€-11k€45k▲
Financial income75/76B€12k€9k▼
Recurring financial income75€12k€9k▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€-5k€48k▲
Income taxes67/77€17k€2k▼
Profit (loss) for the period9904€-22k€46k▲
Profit (loss) for the period to be appropriated9905€-22k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€102k€149k▲
Profit (loss) brought forward from the previous period14P€124k€102k▼
Profit to be distributed694/7-€25k
Directors or managers695-€25k
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €46k
Net result €46k after 4 loss-making years.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 105 days late
2019
31-12
Financial
Highest result since 2018net €72k ▲417%
Operating result €81k, net result €72k, both a record.
31-12
Financial
Equity above €150kEq €178k ▲67.7%
2 profitable years in a row build equity to €178k.
22-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 83 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 57 days late
2017
30-06
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
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, Nivelles · 2 establishment units 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.
Chemin Ducal 61400 NivellesGround area
3,991 m²
Building footprint
292 m²
Volume, LiDAR
3,046 m³
3 parcels, Brussels, Wallonia · tallest building 21.5 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
AEQUILEX - Avocats-Advocaten
since 20082.233.706.201
Rue du Calvaire 21-23, 6200 Châtelet
since 20252.369.801.654
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012A0232/02F009 | Wallonia | 2,208 m² | 1 · 106 m² | 14.5 m · 4 fl. |
| 25783F0510/00G002 | Wallonia | 1,436 m² | 1 · 88 m² | 5.2 m · 1 fl. |
| 21019A0201/00G007 | Brussels | 346 m² | 1 · 98 m² | 21.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Of 34 companies in sector 96400 we hold annual accounts for 4. 1 is within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2008
Fiscal year end31-12
Activities, NACEBEL
96400Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.