SO'IMMO
ActiveSO'IMMO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €4k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+6
Solvency49=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.32 in 2024; short-term debt: 47.3% and cash: 0.9% of total assets), and 75.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
24.4%
Return on assets
0.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-04-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
8 d early
2023
6 d early
2022
4 d early
2021
2 d early
2020
3 d early
2019
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€90k
EBIT margin
-27.1%
Net result
€4k▲ 203%
2024 · €1k
2018: €-37k
2019: €47k
2020: €44k
2021: €42k
2022: €19k
2023: €19k
2024: €1k
2018 → 2025
Working capital
€-257k▼ 57.0%
2024 · €-164k
2018: €-266k
2019: €-224k
2020: €-187k
2021: €-107k
2022: €-151k
2023: €-148k
2024: €-164k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€127k▲ 17.2%€146k▲ 15.2%€148k▲ 0.9%€152k▲ 2.8%
Operating result€57k-€33k▼ 41.6%€35k▲ 4.7%€12k▼ 65.6%€13k▲ 9.5%
Net result€42k-€19k▼ 56.2%€19k▲ 4.0%€1k▼ 93.0%€4k▲ 203%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €622k
Fixed assets
€585k▲ 8.0%
Current assets
€37k▼ 52.3%
Equity and liabilities €622k
Equity
€152k▲ 2.8%
Debt
€470k▼ 0.3%
The debt ratio falls from 76.2% to 75.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €49k
Cash flow
€42k▲
2024 · €39k
Solvency
24.4%▲
2024 · 23.8%
Current ratio
0.13▼
2024 · 0.32
Quick ratio
0.13▼
2024 · 0.32
Debt / equity
3.10▼
2024 · 3.20
ROE
2.7%▲
2024 · 0.9%
ROA
0.7%▲
2024 · 0.2%
Interest coverage
7.75▲
2024 · 5.43
Debt
€470k▼
2024 · €472k
Debt ≤ 1 year
€294k▲
2024 · €242k
Debt > 1 year
€172k▼
2024 · €226k
Income taxes
€3k▲
2024 · €2k
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€619k€622k▲
Fixed assets21/28€542k€585k▲
Tangible fixed assets22/27€542k€585k▲
Land and buildings22€535k€583k▲
Furniture and vehicles24€4k€2k▼
Leasing and similar rights25€2k€0▼
Current assets29/58€78k€37k▼
Amounts receivable within one year40/41€44k€24k▼
Trade receivables40€8k€609▼
Other amounts receivable41€36k€23k▼
Cash at bank and in hand54/58€26k€5k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€619k€622k▲
Equity10/15€148k€152k▲
Contributions10/11€100k€100k=
Outside capital11€100k€100k=
Other1109/19€100k€100k=
Reserves13€47k€51k▲
Distributable reserves133€47k€51k▲
Amounts payable17/49€472k€470k▼
Amounts payable after more than one year17€226k€172k▼
Financial debts170/4€226k€172k▼
Amounts payable within one year42/48€242k€294k▲
Current portion of amounts payable after more than one year42€55k€54k▼
Financial debts43€85k€57k▼
Credit institutions430/8€85k€57k▼
Trade debts44€79k€95k▲
Suppliers440/4€79k€95k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€20k€87k▲
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▲
Other operating charges640/8€11k€12k▲
Gross operating margin9900€61k€63k▲
Operating profit (loss)9901€12k€13k▲
Financial income75/76B-€243
Recurring financial income75-€243
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€3k€7k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€1k€4k▲
Profit (loss) for the period to be appropriated9905€1k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€4k▲
Transfer to equity691/2€1k€4k▲
To other reserves6921€1k€4k▲
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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €150kEq €152k ▲2.8%
7 profitable years in a row build equity to €152k.
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €100kEq €108k ▲64.4%
3 profitable years in a row build equity to €108k.
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
18-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-04
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
5 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, Dison · 1 establishment unit since 2007
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 de la Grappe 84820 DisonGround area
351 m²
Parcel 63020B0027/00P002, Wallonia. Linked by address, not a title deed.
1 establishment unit
SO'IMMO
since 20072.162.666.864
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63020B0027/00P002 | Wallonia | 351 m² | - | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
5493002YXKS1MLMW9B14
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PLURIS
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Of 1,292 companies in sector 68122 we hold annual accounts for 901. 570 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2007
Fiscal year end30-09
Activities, NACEBEL
68122Development of non-residential building projects
70113
68121Development of residential building projects
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.