SOBER
ActiveSOBER has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142k and a net result of €40k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
61
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+25
Solvency42▼-17
Growth52=
Stability100
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 0.54 against 0.78 in 2024), and 66.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
33.4%
Return on assets
9.3%
Age of the figures
8 mo
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 03-06-2026, 58 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
58 d early
2024
94 d early
2023
37 d early
2022
21 d early
2021
47 d early
2020
47 d early
2019
45 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
Equity
€142k▼ 20.2%
2024 · €178k
2018: €71k
2019: €93k
2020: €161k
2021: €169k
2022: €206k
2023: €151k
2024: €178k
2018 → 2025
Total assets
€426k▲ 0.6%
2024 · €424k
2018: €93k
2019: €123k
2020: €196k
2021: €491k
2022: €515k
2023: €420k
2024: €424k
2018 → 2025
Net result
€40k▲ 48.6%
2024 · €27k
2018: €53k
2019: €22k
2020: €67k
2021: €8k
2022: €37k
2023: €21k
2024: €27k
2018 → 2025
Working capital
€-57k▼ 283%
2024 · €-15k
2018: €55k
2019: €76k
2020: €140k
2021: €32k
2022: €39k
2023: €-10k
2024: €-15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€169k-€206k▲ 21.6%€151k▼ 26.4%€178k▲ 17.6%€142k▼ 20.2%
Operating result€18k-€55k▲ 197%€34k▼ 36.9%€41k▲ 20.2%€59k▲ 42.0%
Net result€8k-€37k▲ 332%€21k▼ 43.2%€27k▲ 28.7%€40k▲ 48.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 42% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €426k
Fixed assets
€361k▼ 2.9%
Current assets
€66k▲ 25.6%
Equity and liabilities €426k
Equity
€142k▼ 20.2%
Debt
€284k▲ 15.7%
The debt ratio rises from 57.9% to 66.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€101k▲
2024 · €82k
Cash flow
€82k▲
2024 · €67k
Solvency
33.4%▼
2024 · 42.1%
Current ratio
0.54▼
2024 · 0.78
Quick ratio
0.54▼
2024 · 0.78
Debt / equity
2.00▲
2024 · 1.38
ROE
27.9%▲
2024 · 15.0%
ROA
9.3%▲
2024 · 6.3%
Interest coverage
42.05▲
2024 · 29.31
Debt
€284k▲
2024 · €245k
Debt ≤ 1 year
€122k▲
2024 · €67k
Debt > 1 year
€162k▼
2024 · €176k
Income taxes
€17k▲
2024 · €12k
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€424k€426k▲
Fixed assets21/28€371k€361k▼
Tangible fixed assets22/27€371k€361k▼
Plant, machinery and equipment23€799€66▼
Furniture and vehicles24€92k€91k▼
Leasing and similar rights25€15k€0▼
Other tangible fixed assets26€264k€270k▲
Current assets29/58€52k€66k▲
Amounts receivable within one year40/41€22k€26k▲
Trade receivables40€21k€26k▲
Other amounts receivable41€858€0▼
Cash at bank and in hand54/58€30k€38k▲
Deferred charges and accrued income490/1€620€2k▲
Equity and liabilities
Total equity and liabilities10/49€424k€426k▲
Equity10/15€178k€142k▼
Contributions10/11€19k€19k=
Reserves13€160k€124k▼
Distributable reserves133€160k€124k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€245k€284k▲
Amounts payable after more than one year17€176k€162k▼
Financial debts170/4€176k€162k▼
Amounts payable within one year42/48€67k€122k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Financial debts43€13k€0▼
Credit institutions430/8€13k€0▼
Trade debts44€1k€381▼
Suppliers440/4€1k€381▼
Taxes, remuneration and social security45€2k€11k▲
Taxes450/3€2k€9k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€37k€96k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€43k▲
Other operating charges640/8€769€741▼
Non-recurring operating charges66A€0-
Gross operating margin9900€82k€102k▲
Operating profit (loss)9901€41k€59k▲
Financial income75/76B€18€22▲
Recurring financial income75€18€22▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€39k€56k▲
Income taxes67/77€12k€17k▲
Profit (loss) for the period9904€27k€40k▲
Profit (loss) for the period to be appropriated9905€27k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€40k▲
Transfer from equity791/2€0€76k▲
Transfer to equity691/2€27k€40k▲
To other reserves6921€27k€40k▲
Profit to be distributed694/7€0€76k▲
Return on contributions (dividend)694€0€76k▲
The notes to these accounts (13 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €206k ▲21.6%
5 profitable years in a row build equity to €206k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €8k ▼87.5%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €67k ▲208%
Operating result €87k, net result €67k, both a record.
31-12
Financial
Equity above €150kEq €161k ▲72.2%
3 profitable years in a row build equity to €161k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
VAN VEIRDEGEM Sofie
CurrentNon-statutory director · since 06-12-2023
VANDERHEIJDEN Berten
CurrentNon-statutory director · since 06-12-2023
06-12-2023
VAN VEIRDEGEM Sofie: Resigned as Director
06-12-2023
VAN VEIRDEGEM Sofie: Appointed as Non-statutory director
06-12-2023
VANDERHEIJDEN Berten: Resigned as Director
06-12-2023
VANDERHEIJDEN Berten: Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2017
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.
Generaal Eisenhowerlaan 1331030 SchaarbeekGround area
110 m²
Building footprint
57 m²
Volume, LiDAR
568 m³
Parcel 21904B0496/00T000, Brussels · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SOBER
since 20172.261.052.182
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0496/00T000 | Brussels | 110 m² | 1 · 56 m² | 13.2 m · 4 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.
Similar companies · same sector, comparable size
KAMELEON MANAGEMENT SERVICES
BE 0893.592.209
Deerlijk · Eq €142k
V.VANDERHEYDEN
BE 0745.575.454
Welkenraedt · Eq €142k
IMPACTA
BE 0821.197.050
Waterloo · Eq €142k
SAESEN
BE 0787.545.275
Zonnebeke · Eq €142k
BasB
BE 0725.794.778
Zwalm · Eq €142k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 40,738 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74300Other professional, scientific and technical activities
74301Translation services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.