SOFI-SOFA
ActiveSummary
SOFI-SOFA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €262,951 and a net result of €8,249. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 52% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-4
Solvency69▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity short (current ratio 0.85 against 1.03 in 2024; short-term debt: 13.7% and cash: 4.7% of total assets), and 56% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
44%
Return on assets
1.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more 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
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 06-03-2026, 147 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
147 d early
2024
37 d early
2023
34 d early
2022
40 d early
2021
52 d early
2020
33 d early
2019
42 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 55 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 21 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€262,951▲ 3.2%
2024 · €254,701
Total assets
€597,053▼ 7.6%
2024 · €646,319
Net result
€8,249▼ 69.5%
2024 · €27,081
Working capital
-€12,001
2024 · €2,490
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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€98,787▲ 227%€69,839▼ 29.3%€43,299▼ 38.0%€46,145▲ 6.6%€21,596▼ 53.2%
Net result€68,622within the sector's middle half▲ 336%€46,333within the sector's middle half▼ 32.5%€35,564above the sector's middle half▼ 23.2%€27,081above the sector's middle half▼ 23.9%€8,249within the sector's middle half▼ 69.5%
Equity€145,723within the sector's middle half▲ 89.0%€192,056within the sector's middle half▲ 31.8%€227,620above the sector's middle half▲ 18.5%€254,701above the sector's middle half▲ 11.9%€262,951above the sector's middle half▲ 3.2%
Total assets€632,410within the sector's middle half▲ 62.2%€607,961within the sector's middle half▼ 3.9%€665,643above the sector's middle half▲ 9.5%€646,319above the sector's middle half▼ 2.9%€597,053above the sector's middle half▼ 7.6%
Debt€486,687▲ 55.6%€415,905▼ 14.5%€438,023▲ 5.3%€391,618▼ 10.6%€334,102▼ 14.7%
Working capital-€55,532below the sector's middle half▼ 278%-€12,566below the sector's middle half▲ 77.4%-€4,993within the sector's middle half▲ 60.3%€2,490within the sector's middle half-€12,001below the sector's middle half
Solvency23.0%within the sector's middle half▲ 3.3pp31.6%within the sector's middle half▲ 8.5pp34.2%within the sector's middle half▲ 2.6pp39.4%within the sector's middle half▲ 5.2pp44.0%within the sector's middle half▲ 4.6pp
Current ratio0.50below the sector's middle half▼ 0.320.84below the sector's middle half▲ 0.340.94within the sector's middle half▲ 0.101.03within the sector's middle half▲ 0.090.85below the sector's middle half▼ 0.18
Return on assets (ROA)10.9%within the sector's middle half▲ 6.8pp7.6%within the sector's middle half▼ 3.2pp5.3%within the sector's middle half▼ 2.3pp4.2%within the sector's middle half▼ 1.2pp1.4%within the sector's middle half▼ 2.8pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
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 falls in 2025; 2025 is 53% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €597,053
Fixed assets
€527,432 ▼ 5.3%
Current assets
€69,621 ▼ 22.1%
Equity and liabilities €597,053
Equity
€262,951 ▲ 3.2%
Debt
€334,102 ▼ 14.7%
Debt's share of the balance-sheet total falls from 60.6% to 56.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51,062▼
2024 · €77,887
Cash flow
€37,715▼
2024 · €58,823
Quick ratio
0.80▼
2024 · 0.99
Debt to equity
1.27▼
2024 · 1.54
ROE
3.1%▼
2024 · 10.6%
Interest coverage
5.97▼
2024 · 8.44
Debt ≤ 1 year
€81,622▼
2024 · €86,932
Debt > 1 year
€252,480▼
2024 · €304,686
Income taxes
€5,901▼
2024 · €10,743
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,048 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.4%
went bankrupt
3.6%
stopped otherwise
96%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 6,048 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €5,023 | - | - | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €26,951 | €34,287 | €25,016 | €31,742 | €29,466 | ▼ 7.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €954 | €1,921 | €1,677 | €1,184 | €1,404 | ▲ 18.5% |
| Other operating charges640/8 | €4,600 | €4,930 | €5,631 | €4,751 | €3,897 | ▼ 18.0% |
| Gross operating margin9900 | €131,292 | €110,978 | €75,623 | €83,822 | €56,362 | ▼ 32.8% |
| Operating profit (loss)9901 | €98,787 | €69,839 | €43,299 | €46,145 | €21,596 | ▼ 53.2% |
| Financial income75/76B | €1,099 | €2,424 | €18,847 | €903 | €1,101 | ▲ 21.9% |
| Recurring financial income75 | €1,099 | €871 | €51 | €903 | €1,101 | ▲ 21.9% |
| Non-recurring financial income76B | - | €1,553 | €18,796 | - | - | - |
| Financial charges65/66B | €8,066 | €8,477 | €14,876 | €9,223 | €8,547 | ▼ 7.3% |
| Recurring financial charges65 | €8,066 | €8,477 | €10,363 | €9,223 | €8,547 | ▼ 7.3% |
| Non-recurring financial charges66B | - | - | €4,513 | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €91,820 | €63,786 | €47,269 | €37,824 | €14,150 | ▼ 62.6% |
| Income taxes67/77 | €23,197 | €17,453 | €11,705 | €10,743 | €5,901 | ▼ 45.1% |
| Profit (loss) for the period9904 | €68,622 | €46,333 | €35,564 | €27,081 | €8,249 | ▼ 69.5% |
| Profit (loss) for the period to be appropriated9905 | €68,622 | €46,333 | €35,564 | €27,081 | €8,249 | ▼ 69.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €632,410 | €607,961 | €665,643 | €646,319 | €597,053 | ▼ 7.6% |
| Fixed assets21/28 | €576,329 | €539,974 | €584,613 | €556,897 | €527,432 | ▼ 5.3% |
| Tangible fixed assets22/27 | €576,209 | €539,854 | €584,493 | €556,777 | €527,312 | ▼ 5.3% |
| Land and buildings22 | €551,852 | €534,954 | €519,263 | €505,480 | €491,509 | ▼ 2.8% |
| Plant, machinery and equipment23 | €2,135 | €1,294 | €453 | - | - | - |
| Furniture and vehicles24 | - | €2,204 | - | €170 | €64 | ▼ 62.2% |
| Leasing and similar rights25 | €20,258 | - | €62,866 | €48,728 | €34,590 | ▼ 29.0% |
| Other tangible fixed assets26 | €1,964 | €1,403 | €1,911 | €2,398 | €1,148 | ▼ 52.1% |
| Financial fixed assets28 | €120 | €120 | €120 | €120 | €120 | = |
| Current assets29/58 | €56,081 | €67,986 | €81,029 | €89,422 | €69,621 | ▼ 22.1% |
| Stocks and contracts in progress3 | €3,751 | €4,393 | €3,024 | €3,232 | €4,518 | ▲ 39.8% |
| Stocks30/36 | €3,751 | €4,393 | €3,024 | €3,232 | €4,518 | ▲ 39.8% |
| Amounts receivable within one year40/41 | €49,473 | €43,910 | €15,250 | €26,139 | €36,090 | ▲ 38.1% |
| Trade receivables40 | €27,973 | €31,691 | €1,562 | €3,228 | €726 | ▼ 77.5% |
| Other amounts receivable41 | €21,500 | €12,219 | €13,688 | €22,911 | €35,364 | ▲ 54.4% |
| Cash at bank and in hand54/58 | €2,857 | €19,683 | €61,299 | €57,529 | €28,309 | ▼ 50.8% |
| Deferred charges and accrued income490/1 | - | - | €1,456 | €2,522 | €704 | ▼ 72.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €632,410 | €607,961 | €665,643 | €646,319 | €597,053 | ▼ 7.6% |
| Equity10/15 | €145,723 | €192,056 | €227,620 | €254,701 | €262,951 | ▲ 3.2% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €139,523 | €185,856 | €221,420 | €248,501 | €256,751 | ▲ 3.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €137,663 | €183,996 | €221,420 | €248,501 | €256,751 | ▲ 3.3% |
| Amounts payable17/49 | €486,687 | €415,905 | €438,023 | €391,618 | €334,102 | ▼ 14.7% |
| Amounts payable after more than one year17 | €375,074 | €335,352 | €352,000 | €304,686 | €252,480 | ▼ 17.1% |
| Financial debts170/4 | €375,074 | €335,352 | €352,000 | €304,686 | €252,480 | ▼ 17.1% |
| Amounts payable within one year42/48 | €111,613 | €80,553 | €86,022 | €86,932 | €81,622 | ▼ 6.1% |
| Current portion of amounts payable after more than one year42 | €50,979 | €33,749 | €52,440 | €48,931 | €54,463 | ▲ 11.3% |
| Financial debts43 | - | - | - | - | €2,307 | - |
| Credit institutions430/8 | - | - | - | - | €2,307 | - |
| Trade debts44 | €27,025 | €4,212 | €3,327 | €14,601 | €13,340 | ▼ 8.6% |
| Suppliers440/4 | €27,025 | €4,212 | €3,327 | €14,601 | €13,340 | ▼ 8.6% |
| Taxes, remuneration and social security45 | €33,610 | €41,870 | €30,255 | €23,400 | €11,513 | ▼ 50.8% |
| Taxes450/3 | €33,610 | €41,870 | €30,255 | €23,400 | €11,513 | ▼ 50.8% |
| Other amounts payable47/48 | - | €722 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €68,622 | €46,333 | €35,564 | €27,081 | €8,249 | ▼ 69.5% |
| + Depreciation and write-downs630 | €26,951 | €34,287 | €25,016 | €31,742 | €29,466 | ▼ 7.2% |
| Operating cash flow (approximation) | €95,574 | €80,620 | €60,580 | €58,823 | €37,715 | ▼ 35.9% |
| Investment in fixed assets (approximation) | - | €2,067 | -€69,655 | -€4,026 | €0 | ▲ 100% |
| Change in cash | - | €16,826 | €41,616 | -€3,770 | -€29,221 | ▼ 675% |
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
30-03
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 24/02/2026
- Registered-office move, Nieuwevaart 192/0502 - 9000 Gent
06-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €227,620 ▲18.5%
4 profitable years in a row build equity to €227,620.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150,000Eq €192,056 ▲31.8%
3 profitable years in a row build equity to €192,056.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €68,622 ▲336%
Operating result €98,787, net result €68,622, both a record.
31-12
Financial
Equity above €100,000Eq €145,723 ▲89%
2 profitable years in a row build equity to €145,723.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €15,751
Net result €15,751 after one loss-making year.
Show earlier events
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet -€11,526
Net result drops to -€11,526, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2014
Ground area
1.1 ha
Building footprint
6,529 m²
Volume, LiDAR
14,686 m³
2 parcels, Flanders · tallest building 13.4 m. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Sofi-Sofa
since 20142.233.734.707
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44810K0568/00C000 | Flanders | 7,675 m² | 1 · 6,191 m² | 13.4 m |
| 44021A2735/00P002 | Flanders | 3,439 m² | 1 · 338 m² | 0.7 m |
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.
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Of 1,743 companies in sector 46150 we hold annual accounts for 758. 511 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
Founded01-07-2014
Fiscal year end31-12
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
E-invoicing
Reachable via Peppol
Peppol ID
0208:0555846424
Also
9925:BE0555846424
Registered
15-07-2025
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.