SOFIA TRADE
ActiveSOFIA TRADE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €1k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 11210 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-53
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.31 against 6.78 in 2024; short-term debt: 15.4% and cash: 9.7% of total assets), and 16.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 46
higher
← 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
83.7%
Return on assets
1%
Age of the figures
9 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
56 d late
2023
61 d late
2022
60 d late
2021
59 d late
2020
61 d late
2019
92 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 1.3%
2024 · €99k
2018: €21k
2019: €23k
2020: €54k
2021: €72k
2022: €87k
2023: €90k
2024: €99k
2018 → 2025
Total assets
€120k▲ 3.9%
2024 · €116k
2018: €29k
2019: €38k
2020: €78k
2021: €101k
2022: €112k
2023: €108k
2024: €116k
2018 → 2025
Net result
€1k▼ 87.2%
2024 · €10k
2018: €4k
2019: €2k
2020: €31k
2021: €17k
2022: €16k
2023: €2k
2024: €10k
2018 → 2025
Working capital
€98k▲ 3.9%
2024 · €94k
2018: €19k
2019: €18k
2020: €48k
2021: €60k
2022: €80k
2023: €84k
2024: €94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€87k▲ 21.9%€90k▲ 2.6%€99k▲ 10.8%€101k▲ 1.3%
Operating result€23k-€22k▼ 5.7%€652▼ 97.1%€11k▲ 1,560%€729▼ 93.3%
Net result€17k-€16k▼ 8.7%€2k▼ 85.6%€10k▲ 330%€1k▼ 87.2%
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 93% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€4k▼ 26.0%
Current assets
€116k▲ 5.3%
Equity and liabilities €120k
Equity
€101k▲ 1.3%
Debt
€20k▲ 20.1%
The debt ratio rises from 14.1% to 16.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €12k
Cash flow
€3k▼
2024 · €11k
Solvency
83.7%▼
2024 · 85.9%
Current ratio
6.31▼
2024 · 6.78
Quick ratio
6.10▼
2024 · 6.57
Debt / equity
0.19▲
2024 · 0.16
ROE
1.2%▼
2024 · 9.8%
ROA
1.0%▼
2024 · 8.4%
Interest coverage
0.70▼
2024 · 18.00
Debt
€20k▲
2024 · €16k
Debt ≤ 1 year
€18k▲
2024 · €16k
Income taxes
€497▼
2024 · €4k
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€116k€120k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€1k€578▼
Furniture and vehicles24€548€344▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€1k€1k=
Current assets29/58€111k€116k▲
Amounts receivable after more than one year29€66k€70k▲
Other amounts receivable291€66k€70k▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€3k€4k▲
Amounts receivable within one year40/41€1k€597▼
Trade receivables40€1k€597▼
Other amounts receivable41€5-
Current investments50/53€29k€28k▼
Cash at bank and in hand54/58€9k€12k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€116k€120k▲
Equity10/15€99k€101k▲
Contributions10/11€16k€16k=
Reserves13€47k€48k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€45k€46k▲
Profit (loss) carried forward14€36k€36k=
Amounts payable17/49€16k€20k▲
Amounts payable within one year42/48€16k€18k▲
Trade debts44€7k€11k▲
Suppliers440/4€7k€11k▲
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€3k€4k▲
Remuneration and social security454/9€4k€497▼
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€1k€400▼
Gross operating margin9900€13k€2k▼
Operating profit (loss)9901€11k€729▼
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€683€3k▲
Recurring financial charges65€683€3k▲
Profit (loss) for the period before taxes9903€14k€2k▼
Income taxes67/77€4k€497▼
Profit (loss) for the period9904€10k€1k▼
Profit (loss) for the period to be appropriated9905€10k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€37k▼
Profit (loss) brought forward from the previous period14P€36k€36k=
Transfer to equity691/2€10k€1k▼
To other reserves6921€10k€1k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €1k ▼87.2%
Net result drops to €1k, the lowest in the series.
31-12
Financial
Equity above €100kEq €101k ▲1.3%
8 profitable years in a row build equity to €101k.
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Highest result since 2018net €31k ▲1203%
Operating result €42k, net result €31k, both a record.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2013
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.
Mistrallaan 731200 Sint-Lambrechts-WoluweGround area
2,468 m²
Building footprint
1,318 m²
Volume, LiDAR
25,376 m³
2 parcels, Brussels · tallest building 24.6 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Bulgaria
since 20132.219.249.043
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0217/00Z000 | Brussels | 2,305 m² | 1 · 1,231 m² | 24.6 m · 7 fl. |
| 21018A0119/00X008 | Brussels | 163 m² | 1 · 87 m² | 12.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEtterbeek2.219.249.043
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Of 1,428 companies in sector 46389 we hold annual accounts for 855. 569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2013
Fiscal year end31-12
Activities, NACEBEL
46389Wholesale of other food products
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.