Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of S.O.M.A. is 0.6% (low). The 2024 annual accounts show negative equity (€-948k) and a net result of €-191k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 295 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.6%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Higher-failure-rate region
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsEstablished
Founded in 2016, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-191k-84.6%
Working capital€-4.41M-24.7%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -26.0% | 43.1% | |
| Net result | €-191k | €28k | |
| Equity | €-948k | €79k | |
| Gross operating margin | €101k | €75k | |
| Staff costs | €51k | €400k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P9
Stable position over 2020-2024
· n=104-295
P9
Stable position over 2020-2024
· n=104-295
P5
Stable position over 2020-2024
· n=104-295
P61
Improving position over 2020-2024
· n=77-249
Describes the position versus peers, not a forecast.
€40k
-
+165% vs sector
€-191k
-84.6%
far below sector median
€58k
-
+297% vs sector
€3.64M
+27.5%
+242% vs sector
€-948k
-25.3%
far below sector median
€-4.41M
-24.7%
far below sector median
1
0.0%
-74% vs sector
€51k
+10.3%
-83% vs sector
€531
+40.0%
-90% vs sector
€4.59M
+27.1%
far above sector median
€4.59M
+27.1%
far above sector median
€1k
0.0%
-87% vs sector
0.04
+94.1%
-99% vs sector
0.04
+94.1%
-99% vs sector
-26.0%
+1.8%
far below sector median
-4.84
-1.4%
far below sector median
20.2%
+47.4%
far above sector median
-5.3%
-44.8%
-31% vs sector
20.87
-
+55% vs sector
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €40k |
| Net profit | €-191k |
| Cash flow | €58k |
| Staff costs | €51k |
| Income taxes | €531 |
| Dividends | - |
| Total assets | €3.64M |
| Equity | €-948k |
| Debt | €4.59M |
| of which ≤ 1y | €4.59M |
| of which > 1y | €1k |
| Working capital | €-4.41M |
| Employees (FTE) | 0.6 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.04 |
| Quick ratio | 0.04 |
| Working capital ratio | -121.2% |
| Solvency | -26.0% |
| Debt / equity | -4.84 |
| Long-term debt ratio | 0.00 |
| Interest coverage | 20.87 |
| Gross margin | - |
| Net margin | - |
| ROA | -5.3% |
| ROE | 20.2% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €3.64M |
| Fixed assets | 21/28 | €3.46M |
| Tangible fixed assets | 22/27 | €3.23M |
| Financial fixed assets | 28 | €238k |
| Current assets | 29/58 | €176k |
| Amounts receivable within one year | 40/41 | €160k |
| Cash & bank | 54/58 | €14k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €3.64M |
| Equity | 10/15 | €-948k |
| Contributions / capital | 10/11 | €25k |
| Accumulated profits (losses) | 14 | €-973k |
| Amounts payable | 17/49 | €4.59M |
| Amounts payable after one year | 17 | €1k |
| Amounts payable within one year | 42/48 | €4.59M |
| Trade debts payable within one year | 44 | €7k |
| Income statement | ||
| Gross operating margin | 9900 | €101k |
| Operating result | 9901 | €-210k |
| Financial income | 75 | €26k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €-191k |
| Income taxes | 67/77 | €531 |
| Net result for the period | 9904 | €-191k |
| Result to be appropriated | 9905 | €-191k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed25
/ 100
Weak
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationBoondaalse Steenweg 202, 1050 Elsene
since 20162.258.417.544
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area993 m²
Buildings1
Building footprint106 m²
Volume (LiDAR)1,074 m³
Tallest building16.0 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443C0241/00E004 | Brussels | 993 m² | 1 · 105 m² | 16.0 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes58
/ 100
Mixed profile: strong on profitability, weaker on health.
Health
25
Profitability
100
Solvency
33
Growth
32
Stability
100
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Credit advice
verdict per customer and amountSimilar
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Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Activiteiten van grafische designers74103Grafisch ontwerp en visuele communicatie74120
Primary activity highlighted.
Names & trade names
| Legal nameFR | S.O.M.A. |
Registered office
Boondaalse Steenweg 202
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.