Philippe Soenens
ActivePhilippe Soenens is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €245k and a net result of €36k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 5495 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 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
16 d late
2024
4 d late
2023
on the day
2022
on the day
2021
5 d early
2020
16 d late
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€245k▲ 17.5%
2024 · €208k
2019: €65k
2020: €91k
2021: €125k
2022: €162k
2023: €185k
2024: €208k
2019 → 2025
Net result
€36k▲ 53.4%
2024 · €24k
2019: €20k
2020: €26k
2021: €34k
2022: €37k
2023: €23k
2024: €24k
2019 → 2025
Total assets
€351k▲ 2.7%
2024 · €341k
2019: €341k
2020: €358k
2021: €340k
2022: €370k
2023: €353k
2024: €341k
2019 → 2025
Solvency
69.8%▲ 8.8pp
2024 · 61.0%
2019: 19.1%
2020: 25.4%
2021: 36.7%
2022: 43.8%
2023: 52.3%
2024: 61.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€162k▲ 29.8%€185k▲ 13.9%€208k▲ 12.9%€245k▲ 17.5%
Operating result€53k-€57k▲ 7.9%€37k▼ 34.7%€37k▼ 0.5%€55k▲ 49.5%
Net result€34k-€37k▲ 9.8%€23k▼ 39.5%€24k▲ 5.4%€36k▲ 53.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €351k
Fixed assets
€325k=
Current assets
€26k▲ 57.7%
Equity and liabilities €351k
Equity
€245k▲ 17.5%
Debt
€106k▼ 20.4%
The debt ratio falls from 39.0% to 30.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
69.8%▲
2024 · 61.0%
ROE
14.9%▲
2024 · 11.4%
ROA
10.4%▲
2024 · 7.0%
Debt
€106k▼
2024 · €133k
Debt ≤ 1 year
€68k▲
2024 · €66k
Debt > 1 year
€38k▼
2024 · €67k
Income taxes
€16k▲
2024 · €10k
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€341k€351k▲
Fixed assets21/28€325k€325k=
Financial fixed assets28€325k€325k=
Current assets29/58€16k€26k▲
Amounts receivable within one year40/41€13k€22k▲
Trade receivables40€13k€22k▲
Cash at bank and in hand54/58€1k€1k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€341k€351k▲
Equity10/15€208k€245k▲
Contributions10/11€12k€12k=
Reserves13€196k€232k▲
Distributable reserves133€196k€232k▲
Amounts payable17/49€133k€106k▼
Amounts payable after more than one year17€67k€38k▼
Financial debts170/4€67k€38k▼
Amounts payable within one year42/48€66k€68k▲
Current portion of amounts payable after more than one year42€29k€29k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€14k€20k▲
Other amounts payable47/48€18k€15k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€38k€57k▲
Operating profit (loss)9901€37k€55k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€34k€53k▲
Income taxes67/77€10k€16k▲
Profit (loss) for the period9904€24k€36k▲
Profit (loss) for the period to be appropriated9905€24k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€36k▲
Transfer to equity691/2€24k€36k▲
To other reserves6921€24k€36k▲
The notes to these accounts (4 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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 16 days late
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-06
Financial
Equity above €200kEq €208k ▲12.9%
6 profitable years in a row build equity to €208k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €37k ▲9.8%
Operating result €57k, net result €37k, both a record.
30-06
Financial
Equity above €150kEq €162k ▲29.8%
4 profitable years in a row build equity to €162k.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Equity above €100kEq €125k ▲37.3%
3 profitable years in a row build equity to €125k.
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 16 days late
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Ingelmunster · 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.
Heirweg-Noord 48770 IngelmunsterGround area
952 m²
Building footprint
862 m²
Volume, LiDAR
5,234 m³
Parcel 36007B0030/00S000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Philippe Soenens
since 20152.244.328.887
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007B0030/00S000 | Flanders | 952 m² | 1 · 862 m² | 7.9 m · 2 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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,568 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2015
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.