REFLET DE SOI
ActiveREFLET DE SOI has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €655. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 65% of 4544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
66
/ 100
Healthy▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+36
Solvency87▼-13
Growth55▼-13
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.76 against 2.84 in 2024), but 52.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
28 d early
2022
2 d early
2021
25 d early
2020
1 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€74k▲ 17.6%
2022 · €63k
2020: €33k
2021: €56k
2022: €63k
2020 → 2023
EBIT margin
10.6%▲ 4.1pp
2022 · 6.5%
2020: 35.9%
2021: 4.0%
2022: 6.5%
2020 → 2023
Net result
€655
2024 · €-6k
2020: €9k
2021: €2k
2022: €2k
2023: €5k
2024: €-6k
2020 → 2025
Working capital
€8k▼ 37.3%
2024 · €12k
2020: €-4k
2021: €1k
2022: €8k
2023: €20k
2024: €12k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€56k-€63k▲ 13.0%€74k▲ 17.6%
Equity€13k-€15k▲ 12.6%€20k▲ 32.0%€14k▼ 32.3%€9k▼ 32.2%
Operating result€2k-€4k▲ 82.4%€8k▲ 91.0%€-4k€3k
Net result€2k-€2k▼ 18.0%€5k▲ 187%€-6k€655
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€1k▲ 24.4%
Current assets
€18k▼ 5.9%
Equity and liabilities €19k
Equity
€9k▼ 32.2%
Debt
€10k▲ 51.9%
The debt ratio rises from 33.2% to 52.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€3k▲
2024 · €-4k
Cash flow
€919▲
2024 · €-6k
Solvency
47.3%▼
2024 · 66.8%
Current ratio
1.76▼
2024 · 2.84
Quick ratio
1.36▼
2024 · 2.38
Debt / equity
1.12▲
2024 · 0.50
ROE
7.2%▲
2024 · -47.7%
ROA
3.4%▲
2024 · -31.8%
Interest coverage
1.42▲
2024 · -1.83
Debt
€10k▲
2024 · €7k
Debt ≤ 1 year
€10k▲
2024 · €7k
Income taxes
€0▼
2024 · €98
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€20k€19k▼
Fixed assets21/28€1k€1k▲
Tangible fixed assets22/27€1k€1k▲
Plant, machinery and equipment23€1k€1k▲
Furniture and vehicles24€0-
Current assets29/58€19k€18k▼
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€1k€2k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€5k€5k▲
Deferred charges and accrued income490/1€10k€7k▼
Equity and liabilities
Total equity and liabilities10/49€20k€19k▼
Equity10/15€14k€9k▼
Contributions10/11€2k€2k=
Reserves13€12k€7k▼
Distributable reserves133€12k€7k▼
Profit (loss) carried forward14€0€656▲
Amounts payable17/49€7k€10k▲
Amounts payable within one year42/48€7k€10k▲
Trade debts44€424€792▲
Suppliers440/4€424€792▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48-€5k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89€264▲
Other operating charges640/8€2k€771▼
Gross operating margin9900€-2k€4k▲
Operating profit (loss)9901€-4k€3k▲
Financial income75/76B€49€107▲
Recurring financial income75€49€107▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-6k€655▲
Income taxes67/77€98€0▼
Profit (loss) for the period9904€-6k€655▲
Profit (loss) for the period to be appropriated9905€-6k€655▲
Appropriation of the result
Profit (loss) to be appropriated9906€0€656▲
Profit (loss) brought forward from the previous period14P€6k€0▼
Transfer from equity791/2-€5k
Profit to be distributed694/7-€5k
Return on contributions (dividend)694-€5k
The notes to these accounts (5 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €655
Net result €655 after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-6k ▼233%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anhée · 1 establishment unit since 2020
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 Alex-Daoust,Bioul 5A5537 AnhéeGround area
399 m²
Building footprint
114 m²
Volume, LiDAR
800 m³
Parcel 91016B0443/00P000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
REFLET DE SOI
since 20202.299.321.355
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91016B0443/00P000 | Wallonia | 399 m² | 1 · 114 m² | 8.3 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 6,690 companies in sector 96230 we hold annual accounts for 616. 389 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2020
Fiscal year end31-12
Activities, NACEBEL
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:agnescolot@gmail.com
Phone:+32498300277