SOFIE BINTEIN
ActiveSOFIE BINTEIN has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253k and a net result of €58k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+2
Solvency85▲+13
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.35 against 1.28 in 2024; short-term debt: 13.7% and cash: 30.8% of total assets), and 39.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
60.3%
Return on assets
13.8%
Age of the figures
9 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
11 d early
2024
10 d early
2023
17 d early
2022
1 d early
2021
14 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€253k▲ 29.7%
2024 · €195k
2021: €74k
2022: €108k
2023: €145k
2024: €195k
2021 → 2025
Total assets
€419k▲ 1.8%
2024 · €412k
2021: €104k
2022: €294k
2023: €359k
2024: €412k
2021 → 2025
Net result
€58k▲ 15.9%
2024 · €50k
2021: €59k
2022: €34k
2023: €37k
2024: €50k
2021 → 2025
Working capital
€78k▲ 230%
2024 · €24k
2021: €74k
2022: €22k
2023: €-10k
2024: €24k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€108k▲ 45.9%€145k▲ 34.1%€195k▲ 34.5%€253k▲ 29.7%
Operating result€83k-€51k▼ 38.7%€55k▲ 7.7%€73k▲ 32.7%€84k▲ 15.1%
Net result€59k-€34k▼ 42.5%€37k▲ 8.4%€50k▲ 35.5%€58k▲ 15.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €419k
Fixed assets
€284k▼ 6.3%
Current assets
€135k▲ 24.4%
Equity and liabilities €419k
Equity
€253k▲ 29.7%
Debt
€167k▼ 23.3%
The debt ratio falls from 52.7% to 39.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€103k▲
2024 · €80k
Cash flow
€77k▲
2024 · €57k
Solvency
60.3%▲
2024 · 47.3%
Current ratio
2.35▲
2024 · 1.28
Quick ratio
2.35▲
2024 · 1.28
Debt / equity
0.66▼
2024 · 1.11
ROE
22.9%▼
2024 · 25.6%
ROA
13.8%▲
2024 · 12.1%
Interest coverage
31.77▲
2024 · 27.25
Debt
€167k▼
2024 · €217k
Debt ≤ 1 year
€57k▼
2024 · €85k
Debt > 1 year
€109k▼
2024 · €132k
Income taxes
€23k▲
2024 · €20k
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€412k€419k▲
Fixed assets21/28€303k€284k▼
Tangible fixed assets22/27€303k€284k▼
Land and buildings22€253k€247k▼
Furniture and vehicles24€50k€37k▼
Current assets29/58€109k€135k▲
Amounts receivable within one year40/41-€3k
Trade receivables40-€3k
Cash at bank and in hand54/58€106k€129k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€412k€419k▲
Equity10/15€195k€253k▲
Contributions10/11€15k€15k=
Reserves13€180k€238k▲
Distributable reserves133€180k€238k▲
Amounts payable17/49€217k€167k▼
Amounts payable after more than one year17€132k€109k▼
Financial debts170/4€132k€109k▼
Amounts payable within one year42/48€85k€57k▼
Current portion of amounts payable after more than one year42€22k€23k▲
Trade debts44€2€24▲
Suppliers440/4€2€24▲
Taxes, remuneration and social security45€28k€25k▼
Taxes450/3€28k€25k▼
Remuneration and social security454/9€8-
Other amounts payable47/48€35k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€19k▲
Other operating charges640/8€9k€1k▼
Gross operating margin9900€90k€105k▲
Operating profit (loss)9901€73k€84k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€70k€81k▲
Income taxes67/77€20k€23k▲
Profit (loss) for the period9904€50k€58k▲
Profit (loss) for the period to be appropriated9905€50k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€58k▲
Transfer to equity691/2€50k€58k▲
To other reserves6921€50k€58k▲
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €253k ▲29.7%
5 profitable years in a row build equity to €253k.
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €195k ▲34.5%
4 profitable years in a row build equity to €195k.
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €34k ▼42.5%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €108k ▲45.9%
2 profitable years in a row build equity to €108k.
17-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-05
State Gazette act
General meeting · Legal-form conversion
Purpose change · Corporate purpose · Tim CARNEWAL
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brugge · 1 establishment unit since 2020
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.
Pierre Debbautstraat 298200 BruggeGround area
177 m²
Building footprint
82 m²
Volume, LiDAR
416 m³
Parcel 31030A0237/00T002, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SOFIE BINTEIN
since 20202.310.515.155
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31030A0237/00T002 | Flanders | 177 m² | 1 · 82 m² | 7.8 m · 2 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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CAPRI
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,494. 2,346 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2020
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:+32 50 31 99 49