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 21,997 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- -€35,492
- Loss
- -€60,492
Why 45raises riskFounded in 2024Loss of €60,492 (financial year 2025)Negative equity -€35,492Sector: Retail trade (NACE 47)Show the evidence
Checked score
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 6% on solvency, 8% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 13-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Financials · financial year 2025, micro format
2025 annual accounts filed late (25 days) Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00421343.
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 84.8% 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 497,468 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 74.5% 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.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 25-08-2026 | 2026-00421343 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
About the unread acts
We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 13 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11022F0001/00Y034 | Flanders | 440 m² | 1 · 155 m² | 11.4 m · 2 |