Soco-M
ActiveSoco-M has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.98M and a net result of €314k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 12617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency100▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 6.74 against 3.96 in 2024), and 15.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
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
84.1%
Return on assets
13.4%
Age of the figures
8 mo
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
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 13-04-2026, 109 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
109 d early
2024
20 d late
2023
112 d early
2022
133 d early
2021
146 d early
2020
39 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.98M▲ 18.4%
2024 · €1.67M
2018: €248k
2019: €320k
2020: €405k
2021: €510k
2022: €1.09M
2023: €1.36M
2024: €1.67M
2018 → 2025
Total assets
€2.35M▼ 11.5%
2024 · €2.66M
2018: €1.26M
2019: €1.30M
2020: €2.00M
2021: €1.99M
2022: €2.90M
2023: €2.74M
2024: €2.66M
2018 → 2025
Net result
€314k▼ 42.5%
2024 · €547k
2018: €110k
2019: €72k
2020: €84k
2021: €107k
2022: €582k
2023: €281k
2024: €547k
2018 → 2025
Working capital
€427k▼ 16.0%
2024 · €508k
2018: €-354k
2019: €-375k
2020: €-123k
2021: €-73k
2022: €579k
2023: €570k
2024: €508k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€510k-€1.09M▲ 113%€1.36M▲ 25.2%€1.67M▲ 23.0%€1.98M▲ 18.4%
Operating result€183k-€383k▲ 110%€454k▲ 18.3%€629k▲ 38.7%€449k▼ 28.6%
Net result€107k-€582k▲ 443%€281k▼ 51.8%€547k▲ 95.1%€314k▼ 42.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.35M
Fixed assets
€1.85M▼ 6.4%
Current assets
€501k▼ 26.3%
Equity and liabilities €2.35M
Equity
€1.98M▲ 18.4%
Debt
€374k▼ 62.1%
The debt ratio falls from 37.1% to 15.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€459k▼
2024 · €641k
Cash flow
€324k▼
2024 · €559k
Solvency
84.1%▲
2024 · 62.9%
Current ratio
6.74▲
2024 · 3.96
Quick ratio
6.74▲
2024 · 3.96
Debt / equity
0.19▼
2024 · 0.59
ROE
15.9%▼
2024 · 32.7%
ROA
13.4%▼
2024 · 20.6%
Interest coverage
40.09▼
2024 · 239.84
Debt
€374k▼
2024 · €988k
Debt ≤ 1 year
€74k▼
2024 · €172k
Debt > 1 year
€300k▼
2024 · €816k
Income taxes
€136k▼
2024 · €144k
Staff costs
€46k▼
2024 · €48k
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€2.66M€2.35M▼
Fixed assets21/28€1.98M€1.85M▼
Tangible fixed assets22/27€1.16M€1.34M▲
Land and buildings22€1.13M€1.33M▲
Plant, machinery and equipment23€590€0▼
Furniture and vehicles24€21k€11k▼
Financial fixed assets28€826k€516k▼
Current assets29/58€680k€501k▼
Amounts receivable within one year40/41€590k€455k▼
Trade receivables40€301k€211k▼
Other amounts receivable41€289k€244k▼
Cash at bank and in hand54/58€88k€46k▼
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€2.66M€2.35M▼
Equity10/15€1.67M€1.98M▲
Contributions10/11€19k€19k=
Reserves13€1.65M€1.96M▲
Tax-exempt reserves132€257k€404k▲
Distributable reserves133€1.40M€1.56M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€988k€374k▼
Amounts payable after more than one year17€816k€300k▼
Financial debts170/4€816k€300k▼
Amounts payable within one year42/48€172k€74k▼
Current portion of amounts payable after more than one year42€90k€36k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€63k€24k▼
Taxes450/3€57k€18k▼
Remuneration and social security454/9€6k€6k=
Other amounts payable47/48€15k€13k▼
Accrued charges and deferred income492/3-€158
Income statement
Code20242025
Non-recurring operating income76A€69k€0▼
Remuneration, social security and pensions62€48k€46k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€7k€7k▼
Gross operating margin9900€696k€512k▼
Operating profit (loss)9901€629k€449k▼
Financial income75/76B€65k€13k▼
Recurring financial income75€65k€13k▼
Financial charges65/66B€3k€11k▲
Recurring financial charges65€3k€11k▲
Profit (loss) for the period before taxes9903€692k€451k▼
Income taxes67/77€144k€136k▼
Profit (loss) for the period9904€547k€314k▼
Transfer to tax-exempt reserves689€126k€147k▲
Profit (loss) for the period to be appropriated9905€421k€167k▼
Appropriation of the result
Profit (loss) to be appropriated9906€421k€167k▼
Transfer from equity791/2€228k€0▼
Transfer to equity691/2€414k€160k▼
To other reserves6921€414k€160k▼
Profit to be distributed694/7€235k€7k▼
Return on contributions (dividend)694€228k€0▼
Employees696€7k€7k=
The notes to these accounts (15 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
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €582k ▲443%
Net result €582k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 2.39
Current ratio from 0.86 to 2.39; short-term debt falls from €507k to €416k.
31-12
Financial
Equity above €1MEq €1.09M ▲113%
5 profitable years in a row build equity to €1.09M.
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €510k ▲26.1%
4 profitable years in a row build equity to €510k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €72k ▼34.1%
Net result drops to €72k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mouscron · 2 establishment units since 2011
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.
Coquiniestraat 2397700 MouscronGround area
1,250 m²
Building footprint
410 m²
Volume, LiDAR
2,516 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
SOCO-M
since 20112.200.445.196
Soco-M
since 20162.249.077.830
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57069C0256/00F000 | Wallonia | 934 m² | 1 · 352 m² | 7.9 m · 2 fl. |
| 54436A0244/00T000 | Wallonia | 315 m² | 1 · 58 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 3,073 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2011
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.