Summary
SOBEMAX HOLDING 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 €4.42M and a net result of €681k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 2394 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 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
45 d late
2024
5 d late
2023
8 d early
2022
65 d late
2021
38 d late
2020
108 d late
2019
94 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€4.42M▲ 18.2%
2024 · €3.74M
2018: €2.54M
2019: €2.74M
2020: €2.55M
2021: €2.80M
2022: €3.01M
2023: €3.41M
2024: €3.74M
2018 → 2025
Net result
€681k▲ 108%
2024 · €327k
2018: €408k
2019: €198k
2020: €-186k
2021: €244k
2022: €208k
2023: €408k
2024: €327k
2018 → 2025
Total assets
€6.05M▲ 13.4%
2024 · €5.34M
2018: €3.67M
2019: €4.13M
2020: €4.42M
2021: €4.63M
2022: €4.70M
2023: €5.19M
2024: €5.34M
2018 → 2025
Solvency
73.1%▲ 3.0pp
2024 · 70.1%
2018: 69.2%
2019: 66.3%
2020: 57.8%
2021: 60.4%
2022: 63.9%
2023: 65.7%
2024: 70.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€485k€537k▲ 10.7%€592k▲ 10.2%
Equity€2.80M-€3.01M▲ 7.4%€3.41M▲ 13.6%€3.74M▲ 9.6%€4.42M▲ 18.2%
Operating result€306k-€294k▼ 4.0%€559k▲ 90.2%€436k▼ 22.0%€905k▲ 108%
Net result€244k-€208k▼ 14.5%€408k▲ 96.2%€327k▼ 20.0%€681k▲ 108%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 108% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.05M
Fixed assets
€3.67M ▲ 1.6%
Current assets
€2.38M ▲ 38.0%
Equity and liabilities €6.05M
Equity
€4.42M ▲ 18.2%
Provisions
€486k ▲ 26.1%
Debt
€1.14M ▼ 5.5%
Debt's share of the balance-sheet total falls from 22.7% to 18.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
15.4%▲
2024 · 8.7%
ROA
11.3%▲
2024 · 6.1%
Debt ≤ 1 year
€237k▲
2024 · €203k
Debt > 1 year
€906k▼
2024 · €1.01M
Income taxes
€128k▲
2024 · €113k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 72 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.34M€6.05M▲
Fixed assets21/28€3.61M€3.67M▲
Tangible fixed assets22/27€2.45M€2.51M▲
Land and buildings22€1.42M€1.19M▼
Plant, machinery and equipment23€974k€1.29M▲
Furniture and vehicles24€53k€37k▼
Financial fixed assets28€1.16M€1.16M=
Affiliated companies280/1€1.16M€1.16M=
Participating interests280€1.16M€1.16M=
Current assets29/58€1.73M€2.38M▲
Amounts receivable after more than one year29€1.08M€1.36M▲
Other amounts receivable291€1.08M€1.36M▲
Amounts receivable within one year40/41€596k€706k▲
Trade receivables40€596k€706k▲
Cash at bank and in hand54/58€47k€317k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€5.34M€6.05M▲
Equity10/15€3.74M€4.42M▲
Contributions10/11€210k€210k=
Capital10€210k€210k=
Issued capital100€210k€210k=
Reserves13€924k€1.23M▲
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Tax-exempt reserves132€93k€395k▲
Distributable reserves133€810k€810k=
Profit (loss) carried forward14€2.61M€2.99M▲
Provisions and deferred taxes16€386k€486k▲
Provisions for liabilities and charges160/5€355k€355k=
Other liabilities and charges164/5€355k€355k=
Deferred taxes168€31k€132k▲
Amounts payable17/49€1.21M€1.14M▼
Amounts payable after more than one year17€1.01M€906k▼
Financial debts170/4€577k€476k▼
Leasing and similar obligations172€577k€476k▼
Other amounts payable178/9€430k€430k=
Amounts payable within one year42/48€203k€237k▲
Current portion of amounts payable after more than one year42€99k€100k▲
Trade debts44€3k-
Suppliers440/4€3k-
Advances received on contracts in progress46€200€200=
Taxes, remuneration and social security45€62k€91k▲
Taxes450/3€62k€91k▲
Other amounts payable47/48€39k€45k▲
Income statement
Code20242025
Operating income70/76A€574k€1.07M▲
Turnover70€537k€592k▲
Other operating income74€37k€46k▲
Non-recurring operating income76A-€430k
Operating charges60/66A€138k€163k▲
Services and other goods61€50k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€104k▲
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€186€129▼
Operating profit (loss)9901€436k€905k▲
Financial income75/76B€26k€27k▲
Recurring financial income75€21k€27k▲
Income from financial fixed assets750€21k€27k▲
Non-recurring financial income76B€5k-
Financial charges65/66B€24k€22k▼
Recurring financial charges65€24k€22k▼
Debt charges650€24k€22k▼
Profit (loss) for the period before taxes9903€439k€910k▲
Transfer from deferred taxes780€2k€7k▲
Transfer to deferred taxes680-€107k
Income taxes67/77€113k€128k▲
Taxes670/3€113k€128k▲
Profit (loss) for the period9904€327k€681k▲
Transfer from tax-exempt reserves789€5k€21k▲
Transfer to tax-exempt reserves689-€322k
Profit (loss) for the period to be appropriated9905€332k€380k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.61M€2.99M▲
Profit (loss) brought forward from the previous period14P€2.27M€2.61M▲
The notes to these accounts (29 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
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 45 days late
2025
31-12
Financial
Highest result since 2018net €681k ▲108%
Operating result €905k, net result €681k, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 5 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 65 days late
2022
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 38 days late
2021
31-12
Financial
Back to profitnet €244k
Net result €244k after one loss-making year.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 108 days late
2020
31-12
Financial
Weakest financial yearnet €-186k
Net result drops to €-186k, the lowest in the series; recovery starts the following year.
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 94 days late
2019
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 48 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 9 days late
2017
11-07
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.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Fernelmont · 1 establishment unit since 2005
Ground area
5,410 m²
Building footprint
335 m²
Parcel 92049A0014/00M000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Sobemax Holding
since 20052.144.991.979
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92049A0014/00M000 | Wallonia | 5,410 m² | 1 · 335 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,764. 8,524 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-01-2005
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:081/21.11.18
Fax:081/21.13.20