SODYFIN 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 €200k and a net result of €38k. Equity is growing by ~74.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 5527 sector peers (fiscal year 2025). The company has been active since 2015 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 advice for your own amount and term
Signals
Three signals. 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 28-08-2026, 28 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
28 d late
2024
29 d late
2023
77 d late
2022
60 d late
2021
31 d late
2020
135 d late
2019
105 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€200k▲ 23.2%
2024 · €162k
2018: €6k
2019: €10k
2020: €11k
2021: €36k
2022: €75k
2023: €119k
2024: €162k
2018 → 2025
Net result
€38k▼ 12.5%
2024 · €43k
2018: €4k
2019: €4k
2020: €2k
2021: €25k
2022: €40k
2023: €45k
2024: €43k
2018 → 2025
Total assets
€203k▲ 7.3%
2024 · €189k
2018: €17k
2019: €22k
2020: €23k
2021: €50k
2022: €113k
2023: €171k
2024: €189k
2018 → 2025
Solvency
98.4%▲ 12.7pp
2024 · 85.7%
2018: 34.9%
2019: 43.3%
2020: 49.5%
2021: 71.5%
2022: 66.1%
2023: 69.6%
2024: 85.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€75k▲ 108%€119k▲ 59.6%€162k▲ 36.2%€200k▲ 23.2%
Operating result€37k-€63k▲ 70.6%€69k▲ 9.7%€66k▼ 4.1%€58k▼ 12.1%
Net result€25k-€40k▲ 62.9%€45k▲ 11.4%€43k▼ 3.1%€38k▼ 12.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €203k
Fixed assets
€25▼ 78.9%
Current assets
€203k▲ 7.4%
Equity and liabilities €203k
Equity
€200k▲ 23.2%
Debt
€3k▼ 87.9%
The debt ratio falls from 14.3% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
98.4%▲
2024 · 85.7%
ROE
18.9%▼
2024 · 26.6%
ROA
18.6%▼
2024 · 22.8%
Debt
€3k▼
2024 · €27k
Debt ≤ 1 year
€3k▼
2024 · €27k
Income taxes
€21k▼
2024 · €23k
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€189k€203k▲
Fixed assets21/28€119€25▼
Tangible fixed assets22/27€94-
Furniture and vehicles24€94-
Financial fixed assets28€25€25=
Current assets29/58€189k€203k▲
Amounts receivable after more than one year29€5k-
Trade receivables290€5k-
Amounts receivable within one year40/41€10k€4k▼
Trade receivables40€10k€400▼
Other amounts receivable41€901€3k▲
Cash at bank and in hand54/58€173k€199k▲
Deferred charges and accrued income490/1€845€937▲
Equity and liabilities
Total equity and liabilities10/49€189k€203k▲
Equity10/15€162k€200k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€145k€180k▲
Non-distributable reserves130/1€203€203=
Reserves not available under the articles1311€203€203=
Distributable reserves133€145k€180k▲
Profit (loss) carried forward14€11k€14k▲
Amounts payable17/49€27k€3k▼
Amounts payable within one year42/48€27k€3k▼
Trade debts44€11k€235▼
Suppliers440/4€11k€235▼
Taxes, remuneration and social security45€16k-
Taxes450/3€16k-
Other amounts payable47/48€2€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€387€94▼
Other operating charges640/8€2k€317▼
Gross operating margin9900€68k€59k▼
Operating profit (loss)9901€66k€58k▼
Financial income75/76B€423€915▲
Recurring financial income75€423€915▲
Financial charges65/66B€299€429▲
Recurring financial charges65€299€429▲
Profit (loss) for the period before taxes9903€66k€59k▼
Income taxes67/77€23k€21k▼
Profit (loss) for the period9904€43k€38k▼
Profit (loss) for the period to be appropriated9905€43k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€49k▼
Profit (loss) brought forward from the previous period14P€8k€11k▲
Transfer to equity691/2€40k€35k▼
To other reserves6921€40k€35k▼
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Liquidity times 9current ratio 62.10
Current ratio from 6.99 to 62.10; short-term debt falls from €27k to €3k.
31-12
Financial
Equity above €200kEq €200k ▲23.2%
8 profitable years in a row build equity to €200k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 6.99
Current ratio from 3.28 to 6.99; short-term debt falls from €52k to €27k.
31-12
Financial
Equity above €150kEq €162k ▲36.2%
7 profitable years in a row build equity to €162k.
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
2023
31-12
Financial
Highest result since 2018net €45k ▲11.4%
Operating result €69k, net result €45k, both a record.
31-12
Financial
Equity above €100kEq €119k ▲59.6%
6 profitable years in a row build equity to €119k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 135 days late
2020
31-12
Financial
Weakest financial yearnet €2k ▼56.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 105 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Schaarbeek · 1 establishment unit since 2016
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.
Charles Meertstraat 651030 SchaarbeekGround area
162 m²
Building footprint
95 m²
Volume, LiDAR
746 m³
Parcel 21015A0153/00G002, Brussels · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SODYFIN
since 20162.253.031.371
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21015A0153/00G002 | Brussels | 162 m² | 1 · 95 m² | 12.4 m · 3 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.
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Of 807 companies in sector 64999 we hold annual accounts for 484. 320 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-12-2015
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
66191Agents and brokers in banking services
66220Insurance agents and brokers
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.