Equity
€35,359 ▲ 12.2%
So In Expertise Comptable et Conseils Fiscaux has made a profit without a break since 2017.
So In Expertise Comptable et Conseils Fiscaux
Lifetime
12 annual accounts with figures on one time axispeak €24,164 (2023)
€6,960▼ 49.5%
lowest -€24,626 (2015)
€3,846▼ 63.8%
peak €35,359 (2025)
€35,359▲ 12.2%
€14,314▼ 28.1%
peak 1 FTE (2014)
-not published
Board1 name since 2021
1 directorFROIDMONT Isabelle
Owners
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €13,770 to €6,960Result from €10,610 to €3,846Equity from €31,513 to €35,359Debts from €19,910 to €14,314Investments €1,673Cash from €720 to €3,171
Key points
from the 2025 annual accountsInvestments
€1,673 2.3 × depreciation
Green is investment, beige is depreciation.
Filings
12 annual accounts since 2014
Ten of the last ten came late. The 2019 accounts came latest: 92 days after the end of the period.
Checked score
69
Healthy
Financially stronger than 63% of micro companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,276 companies (NACE 47, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%
01-2025: 1.3%● unchanged vs 12-2024
02-2025: 1.3%● unchanged vs 01-2025
03-2025: 1.2%▼ -0.1 percentage points vs 02-2025
04-2025: 1.2%● unchanged vs 03-2025
05-2025: 1.2%● unchanged vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025
07-2025: 1.2%● unchanged vs 06-2025
08-2025: 1.6%▲ +0.4 percentage points vs 07-2025
09-2025: 1.5%▼ -0.1 percentage points vs 08-2025
10-2025: 1.3%▼ -0.2 percentage points vs 09-2025
11-2025: 1.3%● unchanged vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.3%● unchanged vs 12-2025
02-2026: 1.3%● unchanged vs 01-2026
03-2026: 1.3%● unchanged vs 02-2026
04-2026: 1.3%● unchanged vs 03-2026
05-2026: 1.2%▼ -0.1 percentage points vs 04-2026
06-2026: 1.2%● unchanged vs 05-2026
07-2026: 1.3%▲ +0.1 percentage points vs 06-2026
08-2026: 1.8%▲ +0.5 percentage points vs 07-2026highest value
09-2026: 0.8%▼ -1.0 percentage point vs 08-2026lowest value
10-2026: 0.8%● unchanged vs 09-2026lowest value
11-2026: 0.8%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €49,673
Last filed accounts filed 31 days late; 3 of the last 3 accounts late
Sector: Retail trade (NACE 47)
lowers risk
Founded in 2013
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 (NACE 47, micro). It does better than 82% of them on solvency, 46% on liquidity, 62% on profitability and 64% 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 31-12-2025.
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, 34,693 companies had the same profile as So In Expertise Comptable et Conseils Fiscaux has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of So In Expertise Comptable et Conseils Fiscaux itself: 0.8% within 12 months.
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 34,693 companies, not a prediction for So In Expertise Comptable et Conseils Fiscaux. 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
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.33 (2.53 in 2024), above the usual 1.5. Short-term debt is 28.8% and cash 6.4% of total assets. 28.8% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
43 days late
2023
56 days late
2022
31 days late
2021
30 days late
2020
31 days late
2019
92 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 45 days after 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 next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Amendment of the articles · Legal-form change · Resignations & appointments
Change of role: FROIDMONT Isabelle, from manager to director · Director discharge: FROIDMONT Isabelle (manager) · Gazette deed
Incorporation
published on 20-11-2013 · Gazette deed
First establishment
So In, Rue de Mons 46, Dalhem
Official details
Source: KBO- Status
- Active since 18-11-2013Normal situation
- Activity
- “La prestation de services juridiques en rapport avec les activités d’expert-comptable ou de conseil…” (deed in French)From the articles, 12 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.223.941.1704607 Dalhem, since 18-11-2013
- Financial year end
- 31 December
- Peppol
- Reachable
Insights on So In Expertise Comptable et Conseils Fiscaux
So In Expertise Comptable et Conseils Fiscaux files the micro format. That format states no turnover. The gross margin fell from €9,239 in 2014 to €6,960 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 So In Expertise Comptable et Conseils Fiscaux
- What is the company number of So In Expertise Comptable et Conseils Fiscaux?
- The company number of So In Expertise Comptable et Conseils Fiscaux is 0541.925.538. The VAT number is the same number with BE in front: BE 0541.925.538.
- Where is So In Expertise Comptable et Conseils Fiscaux based?
- The registered office is at Rue de Mons 46, 4607 Dalhem.Company details
- What is the legal form of So In Expertise Comptable et Conseils Fiscaux?
- So In Expertise Comptable et Conseils Fiscaux is a private limited company (BV).
- When was So In Expertise Comptable et Conseils Fiscaux founded?
- So In Expertise Comptable et Conseils Fiscaux was founded on 18-11-2013.
- Is So In Expertise Comptable et Conseils Fiscaux still active?
- Yes, So In Expertise Comptable et Conseils Fiscaux is an active enterprise in the KBO register.
- What is the turnover of So In Expertise Comptable et Conseils Fiscaux?
- The turnover in financial year 2025 is ≈ €53,000. This figure is estimated from the gross margin of €6,960 and 6,299 comparable companies of the same size. It probably lies between €24,000 and €130,000. It is a rough estimate.Financials
- Is So In Expertise Comptable et Conseils Fiscaux profitable?
- In financial year 2025, So In Expertise Comptable et Conseils Fiscaux made a profit of €3,846.
- Where can I find the annual accounts of So In Expertise Comptable et Conseils Fiscaux?
- So In Expertise Comptable et Conseils Fiscaux filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of So In Expertise Comptable et Conseils Fiscaux due?
- So In Expertise Comptable et Conseils Fiscaux must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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