Equity
-€24,194
Debts exceed assets in financial year 2025.
SOFT & Partners
Lifetime
10 annual accounts with figures on one time axispeak €586 (2019)
-€1,215▲ €1,225
lowest -€18,510 (2020)
-€2,015▲ €1,962
peak €9,444 (2019)
-€24,194▼ €2,015
€24,876▲ 6.8%
Board2 names since 2023
1 directorMATHIAS Sébastien
Owners
Documentsfilings and deeds
31-01-2026on the last day
2025micro format
Gross margin from -€2,440 to -€1,215Loss of €2,015Cash from €100 to €682
Key points
from the 2025 annual accountsChecked score
54
Fair
Financially stronger than 32% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.8%
01-2025: 2.0%▲ +0.2 percentage points vs 12-2024
02-2025: 2.5%▲ +0.5 percentage points vs 01-2025
03-2025: 2.0%▼ -0.5 percentage points vs 02-2025
04-2025: 2.0%● unchanged vs 03-2025
05-2025: 2.0%● unchanged vs 04-2025
06-2025: 2.0%● unchanged vs 05-2025
07-2025: 1.9%▼ -0.1 percentage points vs 06-2025
08-2025: 1.9%● unchanged vs 07-2025
09-2025: 2.0%▲ +0.1 percentage points vs 08-2025
10-2025: 2.0%● unchanged vs 09-2025
11-2025: 2.0%● unchanged vs 10-2025
12-2025: 1.9%▼ -0.1 percentage points vs 11-2025
01-2026: 2.1%▲ +0.2 percentage points vs 12-2025
02-2026: 2.8%▲ +0.7 percentage points vs 01-2026highest value
03-2026: 1.1%▼ -1.7 percentage points vs 02-2026
04-2026: 1.1%● unchanged vs 03-2026
05-2026: 1.1%● unchanged vs 04-2026
06-2026: 0.8%▼ -0.3 percentage points vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 0.8%● unchanged vs 07-2026
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.8%● unchanged vs 09-2026lowest value
11-2026: 0.8%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€24,194
Loss of €2,015, the second in a row (financial year 2025)
lowers risk
Size: total assets €682
Liquidity: cash €682
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 95% on liquidity, 4% on profitability and 25% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as SOFT & Partners has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SOFT & Partners itself is lower: 0.8% within 12 months. It rests on far more data about SOFT & Partners than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for SOFT & Partners. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€24,194
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
49 days early
2022
21 days late
2021
2 days late
2020
4 days early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 4 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end08-11-2026 today31-01-2027 deadline
Board and ownership
- LOFT AND PARTNERS SPRL 100%score 80equity €36,783 (2025) · annual accounts 30-06-2017
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0632452470
Company renamed from PAYFIRST to SOFT & Partners
Change of role: MATHIAS Sébastien, from manager to director · Resignation: Edwin BIBAUW (manager) · “Développeur de plateformes web; Hébergeur sur le web; Le développement et la production de plateformes…” (deed in French) · General meeting of 17-10-2023 · Gazette deed
Incorporation
published on 17-06-2015 · Gazette deed
First establishment
PAYFIRST, Louizalaan 532, Brussels
Official details
Source: KBO- Status
- Active since 15-06-2015Normal situation
- Activity
- “Développeur de plateformes web” (deed in French)From the articles, 10 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.245.252.4661050 Brussels, since 15-06-2015
- Financial year end
- 30 June
- Peppol
- Reachable since 22-12-2025
Annual accounts to 30-06-2025
- €682▼ 39.1%
- Filing
- Filed on 31-01-2026, on the last day of the filing period
Insights on SOFT & Partners
SOFT & Partners files the micro format. That format states no turnover. The gross margin rose from -€2,205 in 2016 to -€1,215 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SOFT & Partners
- What is the company number of SOFT & Partners?
- The company number of SOFT & Partners is 0632.452.470. The VAT number is the same number with BE in front: BE 0632.452.470.
- Where is SOFT & Partners based?
- The registered office is at Louizalaan 532, 1050 Ixelles.Company details
- What is the legal form of SOFT & Partners?
- SOFT & Partners is a private limited company (BV).
- When was SOFT & Partners founded?
- SOFT & Partners was founded on 15-06-2015.
- Is SOFT & Partners still active?
- Yes, SOFT & Partners is an active enterprise in the KBO register.
- What is the turnover of SOFT & Partners?
- The annual accounts for financial year 2025 state no turnover.Financials
- Is SOFT & Partners profitable?
- In financial year 2025, SOFT & Partners made a loss of €2,015.
- Where can I find the annual accounts of SOFT & Partners?
- SOFT & Partners filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SOFT & Partners due?
- SOFT & Partners must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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