Sofie Charlier
ActiveSofie Charlier has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €74k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency32▼-68
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.91 against 8.02 in 2024; short-term debt: 93.1% and cash: 82.4% of total assets), and 93.1% 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
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
6.9%
Return on assets
70.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 31642 sector peers (2025).
NBB · sector comparisonPosition among 31642 sector peers
Solvency
better than 14%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
98 d early
2023
15 d early
2022
13 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 94.9%
2024 · €143k
2022: €24k
2023: €81k
2024: €143k
2022 → 2025
Total assets
€105k▼ 34.7%
2024 · €161k
2022: €33k
2023: €118k
2024: €161k
2022 → 2025
Net result
€74k▲ 19.5%
2024 · €62k
2022: €21k
2023: €58k
2024: €62k
2022 → 2025
Working capital
€-9k
2024 · €125k
2022: €9k
2023: €62k
2024: €125k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€24k-€81k▲ 244%€143k▲ 76.6%€7k▼ 94.9%
Operating result€27k-€77k▲ 188%€82k▲ 6.6%€98k▲ 19.1%
Net result€21k-€58k▲ 179%€62k▲ 8.1%€74k▲ 19.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€16k▼ 8.0%
Current assets
€89k▼ 38.0%
Equity and liabilities €105k
Equity
€7k▼ 94.9%
Debt
€98k▲ 448%
The debt ratio rises from 11.1% to 93.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€103k▲
2024 · €87k
Cash flow
€79k▲
2024 · €67k
Solvency
6.9%▼
2024 · 88.9%
Current ratio
0.91▼
2024 · 8.02
Quick ratio
0.91▼
2024 · 8.02
Debt / equity
13.40▲
2024 · 0.12
ROA
70.6%▲
2024 · 38.6%
Interest coverage
35.33▲
2024 · 29.56
Debt
€98k▲
2024 · €18k
Debt ≤ 1 year
€98k▲
2024 · €18k
Income taxes
€21k▲
2024 · €17k
A ratio outside any meaningful range has been withheld (balance sheet total €105k, equity €7k).
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€161k€105k▼
Fixed assets21/28€18k€16k▼
Tangible fixed assets22/27€18k€16k▼
Furniture and vehicles24€6k€6k▲
Other tangible fixed assets26€12k€10k▼
Current assets29/58€143k€89k▼
Amounts receivable within one year40/41€0€31▲
Trade receivables40€0€31▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€143k€87k▼
Deferred charges and accrued income490/1€603€2k▲
Equity and liabilities
Total equity and liabilities10/49€161k€105k▼
Equity10/15€143k€7k▼
Contributions10/11€3k€3k=
Reserves13€140k€4k▼
Distributable reserves133€140k€4k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€18k€98k▲
Amounts payable within one year42/48€18k€98k▲
Financial debts43€169€0▼
Credit institutions430/8€169€0▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€13k€20k▲
Taxes450/3€13k€20k▲
Other amounts payable47/48€26€75k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€536€890▲
Gross operating margin9900€87k€104k▲
Operating profit (loss)9901€82k€98k▲
Financial income75/76B€13€25▲
Recurring financial income75€13€25▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€79k€95k▲
Income taxes67/77€17k€21k▲
Profit (loss) for the period9904€62k€74k▲
Profit (loss) for the period to be appropriated9905€62k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€74k▲
Transfer from equity791/2-€140k
Transfer to equity691/2€62k€4k▼
To other reserves6921€62k€4k▼
Profit to be distributed694/7-€210k
Return on contributions (dividend)694-€210k
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €74k ▲19.5%
Operating result €98k, net result €74k, both a record.
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 8.02
Current ratio from 2.71 to 8.02; short-term debt falls from €37k to €18k.
31-12
Financial
Equity above €100kEq €143k ▲76.6%
3 profitable years in a row build equity to €143k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB 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, Tervuren · 1 establishment unit since 2022
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.
Overijsesteenweg 523080 TervurenGround area
1,294 m²
Building footprint
223 m²
Volume, LiDAR
1,467 m³
Parcel 24023B0455/00K004, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sofie Charlier
since 20222.332.614.824
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24023B0455/00K004 | Flanders | 1,294 m² | 1 · 223 m² | 10.9 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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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 19,522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.