SOBIFAC
ActiveSummary
SOBIFAC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€4,030) and a net result of -€768. Equity is shrinking by ~45.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 494 sector peers (fiscal year 2025). The company has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 494 sector peers (2025).
NBB · sector comparisonPosition among 494 sector peers
Solvency
better than 5%
← weakest
strongest →
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
92 d early
2024
76 d early
2023
84 d early
2022
77 d early
2021
16 d late
2020
17 d late
2019
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 39 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#4 oldest company in Jurbise
Equity
-€4,030▼ 23.6%
2024 · -€3,261
Net result
-€768▲ 82.9%
2024 · -€4,481
Total assets
€44,470▲ 2.0%
2024 · €43,581
Solvency
-9.1%▼ 1.6pp
2024 · -7.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€14,879▲ 138%€9,128▼ 38.7%€8,255▼ 9.6%€7,545▼ 8.6%€8,039▲ 6.5%
Operating result€369-€1,632€292-€4,481-€768▲ 82.9%
Net result€369below the sector's middle half-€1,670below the sector's middle half€253below the sector's middle half-€4,481below the sector's middle half-€768below the sector's middle half▲ 82.9%
Equity€2,637below the sector's middle half▲ 16.3%€967below the sector's middle half▼ 63.3%€1,220below the sector's middle half▲ 26.2%-€3,261below the sector's middle half-€4,030below the sector's middle half▼ 23.6%
Total assets€49,722below the sector's middle half▲ 12.9%€52,140below the sector's middle half▲ 4.9%€41,528below the sector's middle half▼ 20.4%€43,581below the sector's middle half▲ 4.9%€44,470below the sector's middle half▲ 2.0%
Debt€47,085▲ 12.7%€51,173▲ 8.7%€40,308▼ 21.2%€46,842▲ 16.2%€48,500▲ 3.5%
Working capital-€30,043within the sector's middle half▲ 3.4%-€31,283within the sector's middle half▼ 4.1%-€30,540within the sector's middle half▲ 2.4%-€34,588within the sector's middle half▼ 13.3%-€35,357below the sector's middle half▼ 2.2%
Solvency5.3%below the sector's middle half▲ 0.2pp1.9%below the sector's middle half▼ 3.4pp2.9%below the sector's middle half▲ 1.1pp-7.5%below the sector's middle half▼ 10.4pp-9.1%below the sector's middle half▼ 1.6pp
Current ratio0.36below the sector's middle half▲ 0.110.39below the sector's middle half▲ 0.030.24below the sector's middle half▼ 0.150.26below the sector's middle half▲ 0.020.27below the sector's middle half▲ 0.01
Return on assets (ROA)0.7%below the sector's middle half▲ 6.6pp-3.2%below the sector's middle half▼ 3.9pp0.6%below the sector's middle half▲ 3.8pp-10.3%below the sector's middle half▼ 10.9pp-1.7%below the sector's middle half▲ 8.6pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €768 in 2025 against €4,481 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44,470
Fixed assets
€31,327 =
Current assets
€13,143 ▲ 7.3%
Key figures and ratios
Debt ≤ 1 year
€48,500▲
2024 · €46,842
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €14,879 | €9,128 | €8,255 | €7,545 | €8,039 | ▲ 6.5% |
| Goods, raw materials, services and sundry goods60/61 | €13,809 | €8,984 | €6,792 | €11,594 | €8,808 | ▼ 24.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €701 | €972 | €704 | €433 | - | - |
| Other operating charges640/8 | - | €804 | €467 | - | - | - |
| Gross operating margin9900 | €1,070 | €144 | €1,462 | -€4,048 | -€768 | ▲ 81.0% |
| Operating profit (loss)9901 | €369 | -€1,632 | €292 | -€4,481 | -€768 | ▲ 82.9% |
| Financial charges65/66B | - | €38 | €38 | - | - | - |
| Recurring financial charges65 | - | €38 | €38 | - | - | - |
| Profit (loss) for the period before taxes9903 | €369 | -€1,670 | €253 | -€4,481 | -€768 | ▲ 82.9% |
| Profit (loss) for the period9904 | €369 | -€1,670 | €253 | -€4,481 | -€768 | ▲ 82.9% |
| Profit (loss) for the period to be appropriated9905 | €369 | -€1,670 | €253 | -€4,481 | -€768 | ▲ 82.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €49,722 | €52,140 | €41,528 | €43,581 | €44,470 | ▲ 2.0% |
| Fixed assets21/28 | €32,680 | €32,249 | €31,760 | €31,327 | €31,327 | = |
| Tangible fixed assets22/27 | €32,680 | €32,249 | €31,760 | €31,327 | €31,327 | = |
| Land and buildings22 | €31,327 | €31,327 | €31,327 | €31,327 | €31,327 | = |
| Plant, machinery and equipment23 | €1,353 | €922 | €433 | - | - | - |
| Current assets29/58 | €17,043 | €19,890 | €9,768 | €12,253 | €13,143 | ▲ 7.3% |
| Amounts receivable within one year40/41 | €9,826 | €9,440 | €9,374 | €9,371 | €9,418 | ▲ 0.5% |
| Other amounts receivable41 | €9,826 | €9,440 | €9,374 | €9,371 | €9,418 | ▲ 0.5% |
| Cash at bank and in hand54/58 | €7,216 | €10,450 | €394 | €2,882 | €3,725 | ▲ 29.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €49,722 | €52,140 | €41,528 | €43,581 | €44,470 | ▲ 2.0% |
| Equity10/15 | €2,637 | €967 | €1,220 | -€3,261 | -€4,030 | ▼ 23.6% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €3,495 | €3,495 | €3,495 | €3,495 | €3,495 | = |
| Non-distributable reserves130/1 | €3,495 | €3,495 | €3,495 | €3,495 | €3,495 | = |
| Reserves not available under the articles1311 | €3,495 | €3,495 | €3,495 | €3,495 | €3,495 | = |
| Profit (loss) carried forward14 | -€19,451 | -€21,121 | -€20,867 | -€25,349 | -€26,117 | ▼ 3.0% |
| Amounts payable17/49 | €47,085 | €51,173 | €40,308 | €46,842 | €48,500 | ▲ 3.5% |
| Amounts payable within one year42/48 | €47,085 | €51,173 | €40,308 | €46,842 | €48,500 | ▲ 3.5% |
| Current portion of amounts payable after more than one year42 | €46,149 | €51,173 | €40,308 | €46,842 | €48,500 | ▲ 3.5% |
| Trade debts44 | €936 | - | - | - | - | - |
| Suppliers440/4 | €936 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €369 | -€1,670 | €253 | -€4,481 | -€768 | ▲ 82.9% |
| + Depreciation and write-downs630 | €701 | €972 | €704 | €433 | - | - |
| Operating cash flow (approximation) | €1,070 | -€698 | €957 | -€4,048 | -€768 | ▲ 81.0% |
| Investment in fixed assets (approximation) | - | -€542 | -€215 | €0 | €0 | - |
| Change in cash | - | €3,234 | -€10,056 | €2,488 | €843 | ▼ 66.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet -€4,481
Net result drops to -€4,481, the lowest in the series; recovery starts the following year.
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €253
Net result €253 after one loss-making year.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 16 days late
2021
31-12
Financial
Back to profitnet €369
Net result €369 after 3 loss-making years.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 24 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-06
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 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Jurbise · 1 establishment unit since 1984
Ground area
2,951 m²
Building footprint
149 m²
Volume, LiDAR
760 m³
Parcel 53023A0468/00V000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SOBIFAC
since 19842.024.855.501
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53023A0468/00V000 | Wallonia | 2,951 m² | 1 · 149 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 4,673 companies in sector 66220 we hold annual accounts for 3,222. 162 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-04-1984
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
46214Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0426404476
Also
9925:BE0426404476
Registered
16-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.