SOFIE-JO
ActiveSummary
The computed 12-month bankruptcy probability of SOFIE-JO is 4.2% (elevated). The 2025 annual accounts show negative equity (-€35,492) and a net result of -€60,492. Its solvency ranks better than 14% of 22026 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Financials · fiscal year 2025, micro schema
Turnover and EBIT margin not published: the micro schema does not require them.
Peer companies
Historical observationOf the 7,639 companies that looked in July 2024 the way this one looks now, 8.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.2% 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 497,471 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% | 1.8% |
| 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 7,639 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.
| Line | 2025 |
|---|---|
| Turnover70 | €136,616 |
| Goods, raw materials, services and sundry goods60/61 | €188,689 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €905 |
| Other operating charges640/8 | €1,295 |
| Gross operating margin9900 | -€52,073 |
| Operating profit (loss)9901 | -€54,273 |
| Financial income75/76B | €1,552 |
| Recurring financial income75 | €52 |
| Non-recurring financial income76B | €1,500 |
| Financial charges65/66B | €7,771 |
| Recurring financial charges65 | €7,771 |
| Profit (loss) for the period before taxes9903 | -€60,492 |
| Profit (loss) for the period9904 | -€60,492 |
| Profit (loss) for the period to be appropriated9905 | -€60,492 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €105,095 | |
| Fixed assets21/28 | €3,442 | |
| Tangible fixed assets22/27 | €3,442 | |
| Furniture and vehicles24 | €3,442 | |
| Current assets29/58 | €101,653 | |
| Amounts receivable after more than one year29 | €3,191 | |
| Other amounts receivable291 | €3,191 | |
| Stocks and contracts in progress3 | €91,996 | |
| Stocks30/36 | €91,996 | |
| Amounts receivable within one year40/41 | €1,503 | |
| Trade receivables40 | €1,503 | |
| Cash at bank and in hand54/58 | €4,962 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €105,095 | |
| Equity10/15 | -€35,492 | |
| Contributions10/11 | €25,000 | |
| Profit (loss) carried forward14 | -€60,492 | |
| Amounts payable17/49 | €140,586 | |
| Amounts payable after more than one year17 | €26,003 | |
| Financial debts170/4 | €25,738 | |
| Advances received on contracts in progress176 | €265 | |
| Amounts payable within one year42/48 | €114,583 | |
| Current portion of amounts payable after more than one year42 | €14,206 | |
| Financial debts43 | €43,470 | |
| Credit institutions430/8 | €43,470 | |
| Trade debts44 | €38,574 | |
| Suppliers440/4 | €38,574 | |
| Taxes, remuneration and social security45 | €17,541 | |
| Taxes450/3 | €17,391 | |
| Remuneration and social security454/9 | €150 | |
| Other amounts payable47/48 | €793 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€60,492 |
| + Depreciation and write-downs630 | €905 |
| Operating cash flow (approximation) | -€59,586 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.