SOFI
ActiveSummary
SOFI has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €328,280 and a net result of -€76,411. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 53% of 31942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability2▼-25
Solvency84▲+2
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23,000 at 30 days acceptable
Liquidity ample (current ratio 6.47 against 6.89 in 2024; short-term debt: 13% and cash: 72.2% of total assets), and 41.3% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€76,411
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-05-2026, 27 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
27 d late
2024
on the day
2023
42 d early
2022
25 d late
2021
1 d early
2020
32 d early
2019
8 d early
← 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 4 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€328,280▼ 18.9%
2024 · €404,691
Total assets
€558,955▼ 21.2%
2024 · €709,418
Net result
-€76,411▼ 756%
2024 · -€8,930
Working capital
€397,327▼ 30.8%
2024 · €574,322
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy 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
Operating result-€32,051▼ 2,579%-€25,056▲ 21.8%€17,483€14,371▼ 17.8%-€57,409
Net result€109,547above the sector's middle half-€54,749below the sector's middle half-€9,053below the sector's middle half▲ 83.5%-€8,930below the sector's middle half▲ 1.4%-€76,411below the sector's middle half▼ 756%
Equity€477,423above the sector's middle half▲ 29.8%€422,674above the sector's middle half▼ 11.5%€413,621above the sector's middle half▼ 2.1%€404,691above the sector's middle half▼ 2.2%€328,280above the sector's middle half▼ 18.9%
Total assets€1.1mabove the sector's middle half▲ 1.6%€967,865above the sector's middle half▼ 14.4%€874,115above the sector's middle half▼ 9.7%€709,418above the sector's middle half▼ 18.8%€558,955above the sector's middle half▼ 21.2%
Debt€320,540▼ 14.8%€250,759▼ 21.8%€207,924▼ 17.1%€97,556▼ 53.1%€72,742▼ 25.4%
Working capital€782,913above the sector's middle half€682,274above the sector's middle half▼ 12.9%€637,781above the sector's middle half▼ 6.5%€574,322above the sector's middle half▼ 9.9%€397,327above the sector's middle half▼ 30.8%
Solvency42.2%within the sector's middle half▲ 9.2pp43.7%within the sector's middle half▲ 1.5pp47.3%within the sector's middle half▲ 3.6pp57.0%within the sector's middle half▲ 9.7pp58.7%within the sector's middle half▲ 1.7pp
Current ratio3.44within the sector's middle half▲ 3.183.72within the sector's middle half▲ 0.284.07within the sector's middle half▲ 0.356.89above the sector's middle half▲ 2.826.47above the sector's middle half▼ 0.42
Return on assets (ROA)9.7%within the sector's middle half▲ 12.9pp-5.7%below the sector's middle half▼ 15.3pp-1.0%below the sector's middle half▲ 4.6pp-1.3%below the sector's middle half▼ 0.2pp-13.7%below the sector's middle half▼ 12.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €57,409 after €14,371 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €558,955
Fixed assets
€88,980 ▲ 137%
Current assets
€469,975 ▼ 30.1%
Equity and liabilities €558,955
Equity
€328,280 ▼ 18.9%
Provisions
€157,933 ▼ 23.8%
Debt
€72,742 ▼ 25.4%
Debt's share of the balance-sheet total falls from 13.8% to 13.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€43,588▼
2024 · €26,506
Cash flow
-€62,590▼
2024 · €3,206
Debt to equity
0.22▼
2024 · 0.24
ROE
-23.3%▼
2024 · -2.2%
Interest coverage
-2.23▼
2024 · 1.15
Debt ≤ 1 year
€72,649▼
2024 · €97,556
Income taxes
€305▲
2024 · €257
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 928 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 90% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.1%
went bankrupt
8.7%
stopped otherwise
90%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 928 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,408 | €15,126 | €15,533 | €12,135 | €13,821 | ▲ 13.9% |
| Other operating charges640/8 | €1,391 | €1,025 | €1,146 | €896 | €1,098 | ▲ 22.6% |
| Gross operating margin9900 | -€19,253 | -€8,905 | €34,161 | €27,402 | -€42,490 | ▼ 255% |
| Operating profit (loss)9901 | -€32,051 | -€25,056 | €17,483 | €14,371 | -€57,409 | ▼ 499% |
| Financial income75/76B | €338,084 | €8 | €3 | €3 | €817 | ▲ 25,909% |
| Recurring financial income75 | €338,084 | €8 | €3 | €3 | €817 | ▲ 25,909% |
| Non-recurring financial income76B | €338,084 | - | - | - | - | - |
| Financial charges65/66B | €186,138 | €29,464 | €26,301 | €23,046 | €19,514 | ▼ 15.3% |
| Recurring financial charges65 | €32,403 | €29,464 | €26,301 | €23,046 | €19,514 | ▼ 15.3% |
| Non-recurring financial charges66B | €153,735 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €119,895 | -€54,512 | -€8,815 | -€8,673 | -€76,106 | ▼ 778% |
| Income taxes67/77 | €10,348 | €237 | €238 | €257 | €305 | ▲ 18.7% |
| Profit (loss) for the period9904 | €109,547 | -€54,749 | -€9,053 | -€8,930 | -€76,411 | ▼ 756% |
| Profit (loss) for the period to be appropriated9905 | €109,547 | -€54,749 | -€9,053 | -€8,930 | -€76,411 | ▼ 756% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €967,865 | €874,115 | €709,418 | €558,955 | ▼ 21.2% |
| Fixed assets21/28 | €27,541 | €34,832 | €28,409 | €37,539 | €88,980 | ▲ 137% |
| Tangible fixed assets22/27 | €27,429 | €34,720 | €28,297 | €37,539 | €88,980 | ▲ 137% |
| Land and buildings22 | €10,999 | €10,307 | €15,069 | €13,126 | €29,531 | ▲ 125% |
| Plant, machinery and equipment23 | €958 | €1,001 | €2,107 | €2,213 | €1,095 | ▼ 50.5% |
| Furniture and vehicles24 | €15,472 | €23,412 | €11,121 | €22,200 | €58,353 | ▲ 163% |
| Financial fixed assets28 | €113 | €113 | €113 | - | - | - |
| Current assets29/58 | €1.1m | €933,033 | €845,706 | €671,879 | €469,975 | ▼ 30.1% |
| Amounts receivable within one year40/41 | €960,241 | €891,210 | €803,474 | €93,483 | €48,134 | ▼ 48.5% |
| Trade receivables40 | - | €19,045 | €16,324 | €93,408 | €16,722 | ▼ 82.1% |
| Other amounts receivable41 | €960,241 | €872,165 | €787,150 | €75 | €31,412 | ▲ 41,783% |
| Cash at bank and in hand54/58 | €112,007 | €13,757 | €18,548 | €557,885 | €403,472 | ▼ 27.7% |
| Deferred charges and accrued income490/1 | €31,204 | €28,065 | €23,684 | €20,512 | €18,370 | ▼ 10.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €967,865 | €874,115 | €709,418 | €558,955 | ▼ 21.2% |
| Equity10/15 | €477,423 | €422,674 | €413,621 | €404,691 | €328,280 | ▼ 18.9% |
| Contributions10/11 | €6,205 | €6,205 | €6,205 | €6,205 | €6,205 | = |
| Outside capital11 | €6,205 | €6,205 | €6,205 | €6,205 | - | - |
| Other1109/19 | €6,205 | €6,205 | €6,205 | €6,205 | - | - |
| Reserves13 | €471,218 | €416,469 | €407,416 | €398,486 | €322,075 | ▼ 19.2% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | - | - | - |
| Distributable reserves133 | €469,359 | €414,610 | €405,556 | €398,486 | €322,075 | ▼ 19.2% |
| Provisions and deferred taxes16 | €333,031 | €294,431 | €252,570 | €207,170 | €157,933 | ▼ 23.8% |
| Provisions for liabilities and charges160/5 | €333,031 | €294,431 | €252,570 | €207,170 | €157,933 | ▼ 23.8% |
| Environmental obligations163 | €333,031 | €294,431 | €252,570 | €207,170 | €157,933 | ▼ 23.8% |
| Amounts payable17/49 | €320,540 | €250,759 | €207,924 | €97,556 | €72,742 | ▼ 25.4% |
| Amounts payable within one year42/48 | €320,540 | €250,759 | €207,924 | €97,556 | €72,649 | ▼ 25.5% |
| Current portion of amounts payable after more than one year42 | €64,730 | €64,730 | €64,730 | €64,730 | €48,547 | ▼ 25.0% |
| Trade debts44 | €2,348 | €2,462 | €2,042 | €3,255 | €1,735 | ▼ 46.7% |
| Suppliers440/4 | €2,348 | €2,462 | €2,042 | €3,255 | €1,735 | ▼ 46.7% |
| Taxes, remuneration and social security45 | €10,000 | €2,106 | €5,537 | €8,656 | - | - |
| Taxes450/3 | €10,000 | €2,106 | €4,484 | €8,656 | - | - |
| Remuneration and social security454/9 | - | - | €1,053 | - | - | - |
| Other amounts payable47/48 | €243,461 | €181,461 | €135,615 | €20,916 | €22,366 | ▲ 6.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €93 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €109,547 | -€54,749 | -€9,053 | -€8,930 | -€76,411 | ▼ 756% |
| + Depreciation and write-downs630 | €11,408 | €15,126 | €15,533 | €12,135 | €13,821 | ▲ 13.9% |
| Operating cash flow (approximation) | €120,955 | -€39,623 | €6,479 | €3,206 | -€62,590 | ▼ 2,052% |
| Investment in fixed assets (approximation) | - | -€22,417 | -€9,110 | -€21,265 | -€65,262 | ▼ 207% |
| Change in cash | - | -€98,250 | €4,791 | €539,336 | -€154,413 | ▼ 129% |
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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-09
Financial
Weakest financial yearnet -€76,411
Net result drops to -€76,411, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €109,547
Net result €109,547 after one loss-making year.
30-09
Financial
Liquidity times 13current ratio 3.44
Current ratio from 0.26 to 3.44; short-term debt falls from €376,334 to €320,540.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
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 5 acts read
About the unread acts
We know of 5 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
5 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, Brussel · 1 establishment unit since 1996
Ground area
1,488 m²
Building footprint
1,155 m²
Volume, LiDAR
7,045 m³
2 parcels, Brussels · tallest building 29.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SOFI
since 19962.074.596.804
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0267/00L006 ProtectedSite or landscapeTer Kamerenbos |
Brussels | 1,395 m² | 1 · 1,062 m² | 24.0 m · 1 fl. |
| 21822R0267/00M005 ProtectedSite or landscapeTer Kamerenbos |
Brussels | 93 m² | 1 · 93 m² | 29.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 1
-
37.5%
According to the annual accounts to 30-09-2025 of SOFI and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
8755003AJFUCCSS04Q39
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,629. 37,631 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
Founded06-11-1995
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456432312
Also
9925:BE0456432312
Registered
21-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.