Summary
Sofie LEEMAN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €32,434 and a net result of €335,673. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 1,846 sector peers (NACE 66, financial year 2025). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Agents and brokers in banking services
NACE 66191
1 site
Size
€852,740total assets 2025
- Staff
- 4.5 FTE
- Equity
- €32,434
- Profit
- €335,673
Turnover not published (abbreviated or micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts 53 days early2 deeds in the Belgian Official Gazette
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 1846 sector peers (2025).
NBB · sector comparisonPosition among 1846 sector peers
Solvency
better than 11%
← 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 08-06-2026, 53 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
53 days early
2024
59 days early
2023
29 days early
2022
52 days early
2021
60 days early
2020
57 days early
2019
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 51 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · abbreviated…
- Annual accounts filedfinancial year 2023 · abbreviated…
Financials · financial year 2025, abbreviated format
Equity
€32,434▼ 91.0%
2024 · €361,761
Net result
€335,673▼ 3.9%
2024 · €349,452
Total assets
€852,740▼ 21.4%
2024 · €1.1m
Solvency
3.8%▼ 29.5pp
2024 · 33.3%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 3% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.5m
2025
Net result€0.3m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€0.9m
2025
Equity€0.03m
2025
Debt€0.8m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€0.3m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)39.4%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency3.8%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.37
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)4.5
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result-€0.003m-€0.4m€0.4m▲ 1.5%€0.5m▲ 14.0%€0.4m▼ 18.3%€0.4m▲ 16.2%€0.5m▲ 7.0%€0.5m▼ 2.6%
Net result-€0.003m-€0.3m€0.3mabove the sector's middle half▲ 11.7%€0.3mabove the sector's middle half▲ 11.5%€0.3mabove the sector's middle half▼ 20.8%€0.3mabove the sector's middle half▲ 16.8%€0.3mabove the sector's middle half▲ 8.0%€0.3mabove the sector's middle half▼ 3.9%
Equity€0.01m-€0.3m▲ 23×€0.6mabove the sector's middle half▲ 108%€0.02mbelow the sector's middle half▼ 96.8%€0.3mwithin the sector's middle half▲ 15×€0.3mwithin the sector's middle half▲ 15.4%€0.4mwithin the sector's middle half▲ 5.7%€0.03mbelow the sector's middle half▼ 91.0%
Total assets€0.6m-€1.0m▲ 53.7%€1.5mabove the sector's middle half▲ 53.0%€1.0mwithin the sector's middle half▼ 30.0%€1.1mwithin the sector's middle half▲ 10.3%€1.2mwithin the sector's middle half▲ 9.6%€1.1mwithin the sector's middle half▼ 12.4%€0.9mwithin the sector's middle half▼ 21.4%
Debt€0.6m-€0.7m▲ 8.7%€0.9m▲ 28.7%€1.0m▲ 17.7%€0.8m▼ 17.1%€0.9m▲ 7.6%€0.7m▼ 19.3%€0.8m▲ 13.4%
Working capital-€0.06m-€0.2m€0.4mabove the sector's middle half▲ 123%-€0.3mbelow the sector's middle half-€0.03mbelow the sector's middle half▲ 87.9%-€0.09mbelow the sector's middle half▼ 173%-€0.04mbelow the sector's middle half▲ 48.8%-€0.3mbelow the sector's middle half▼ 638%
Solvency2.0%-30.7%▲ 28.6pp41.7%within the sector's middle half▲ 11.0pp1.9%below the sector's middle half▼ 39.8pp26.3%within the sector's middle half▲ 24.4pp27.6%within the sector's middle half▲ 1.4pp33.3%within the sector's middle half▲ 5.7pp3.8%below the sector's middle half▼ 29.5pp
Current ratio0.24-2.04▲ 1.802.38within the sector's middle half▲ 0.330.48below the sector's middle half▼ 1.900.85below the sector's middle half▲ 0.380.71below the sector's middle half▼ 0.140.83below the sector's middle half▲ 0.130.37below the sector's middle half▼ 0.47
Return on assets (ROA)-0.6%-29.4%▲ 29.9pp21.4%above the sector's middle half▼ 7.9pp34.2%above the sector's middle half▲ 12.7pp24.5%above the sector's middle half▼ 9.7pp26.1%above the sector's middle half▲ 1.6pp32.2%above the sector's middle half▲ 6.1pp39.4%above the sector's middle half▲ 7.2pp
Staff (FTE)22within the sector's middle half=3within the sector's middle half▲ 50.0%4.1within the sector's middle half▲ 36.7%3.9within the sector's middle half▼ 4.9%4.9within the sector's middle half▲ 25.6%4.5within the sector's middle half▼ 8.2%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €852,740
Fixed assets
€663,891 ▼ 22.9%
Current assets
€188,850 ▼ 15.5%
Equity and liabilities €852,740
Equity
€32,434 ▼ 91.0%
Debt
€820,306 ▲ 13.4%
Debt's share of the balance-sheet total rises from 66.7% to 96.2%. Equity is lower and debt is higher.
Key figures and ratios
Debt ≤ 1 year
€516,855▲
2024 · €268,027
Debt > 1 year
€303,451▼
2024 · €454,450
Income taxes
€109,812▲
2024 · €109,414
Staff costs
€409,871▼
2024 · €416,788
A ratio outside any meaningful range has been withheld (balance sheet total €852,740, equity €32,434).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €0.2m | €0.3m | €0.3m | €0.4m | €0.4m | ▼ 1.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.006m | €0.08m | €0.1m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 12.7% |
| Other operating charges640/8 | - | - | - | €0.002m | €0.001m | €0.001m | €0.002m | €0.002m | ▲ 3.4% |
| Gross operating margin9900 | €0.02m | €0.6m | €0.7m | €0.8m | €0.9m | €1.0m | €1.1m | €1.1m | ▼ 4.3% |
| Operating profit (loss)9901 | -€0.003m | €0.4m | €0.4m | €0.5m | €0.4m | €0.4m | €0.5m | €0.5m | ▼ 2.6% |
| Financial income75/76B | - | - | - | €2 | €10 | €163 | €440 | €0.001m | ▲ 27.8% |
| Recurring financial income75 | - | €9 | €102 | €2 | €10 | €163 | €440 | €0.001m | ▲ 27.8% |
| Financial charges65/66B | - | - | - | €0.01m | €0.01m | €0.02m | €0.01m | €0.01m | ▲ 11.4% |
| Recurring financial charges65 | €77 | €0.01m | €0.01m | €0.01m | €0.01m | €0.02m | €0.01m | €0.01m | ▲ 11.4% |
| Profit (loss) for the period before taxes9903 | -€0.003m | €0.4m | €0.4m | €0.5m | €0.4m | €0.4m | €0.5m | €0.4m | ▼ 2.9% |
| Income taxes67/77 | €15 | €0.1m | €0.08m | €0.1m | €0.09m | €0.1m | €0.1m | €0.1m | ▲ 0.4% |
| Profit (loss) for the period9904 | -€0.003m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 3.9% |
| Profit (loss) for the period to be appropriated9905 | -€0.003m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 3.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.6m | €1.0m | €1.5m | €1.0m | €1.1m | €1.2m | €1.1m | €0.9m | ▼ 21.4% |
| Fixed assets21/28 | €0.6m | €0.6m | €0.7m | €0.8m | €0.9m | €1.0m | €0.9m | €0.7m | ▼ 22.9% |
| Intangible fixed assets21 | €0.6m | €0.5m | €0.3m | €0.3m | €0.5m | €0.5m | €0.4m | €0.3m | ▼ 18.2% |
| Tangible fixed assets22/27 | €0.02m | €0.07m | €0.4m | €0.5m | €0.4m | €0.6m | €0.5m | €0.3m | ▼ 26.9% |
| Land and buildings22 | - | - | - | €0.2m | €0.2m | €0.4m | €0.3m | €0.2m | ▼ 26.2% |
| Furniture and vehicles24 | - | - | - | €0.1m | €0.08m | €0.07m | €0.05m | €0.01m | ▼ 78.1% |
| Leasing and similar rights25 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▼ 7.2% |
| Current assets29/58 | €0.02m | €0.4m | €0.7m | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 15.5% |
| Amounts receivable within one year40/41 | - | €0.003m | €0.008m | €0.02m | €0.04m | €0.01m | €0.006m | €0.005m | ▼ 23.9% |
| Trade receivables40 | - | - | - | - | - | €69 | €0 | - | - |
| Other amounts receivable41 | - | - | - | €0.02m | €0.04m | €0.01m | €0.006m | €0.005m | ▼ 23.9% |
| Cash at bank and in hand54/58 | €0.006m | €0.2m | €0.6m | €0.08m | €0.02m | €0.1m | €0.1m | €0.06m | ▼ 50.6% |
| Deferred charges and accrued income490/1 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 27.3% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.6m | €1.0m | €1.5m | €1.0m | €1.1m | €1.2m | €1.1m | €0.9m | ▼ 21.4% |
| Equity10/15 | €0.01m | €0.3m | €0.6m | €0.02m | €0.3m | €0.3m | €0.4m | €0.03m | ▼ 91.0% |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Profit (loss) carried forward14 | -€0.003m | €0.3m | €0.6m | €0.001m | €0.3m | €0.3m | €0.3m | €0.01m | ▼ 96.0% |
| Amounts payable17/49 | €0.6m | €0.7m | €0.9m | €1.0m | €0.8m | €0.9m | €0.7m | €0.8m | ▲ 13.4% |
| Amounts payable after more than one year17 | €0.5m | €0.5m | €0.6m | €0.5m | €0.6m | €0.6m | €0.5m | €0.3m | ▼ 33.2% |
| Financial debts170/4 | - | - | - | €0.5m | €0.6m | €0.6m | €0.5m | €0.3m | ▼ 33.2% |
| Amounts payable within one year42/48 | €0.08m | €0.2m | €0.3m | €0.5m | €0.2m | €0.3m | €0.3m | €0.5m | ▲ 92.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.1m | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 6.8% |
| Trade debts44 | €14 | €0.01m | €0.1m | €0.03m | €0.02m | €0.02m | €0.03m | €0.02m | ▼ 20.9% |
| Suppliers440/4 | - | - | - | €0.03m | €0.02m | €0.02m | €0.03m | €0.02m | ▼ 20.9% |
| Taxes, remuneration and social security45 | - | - | - | €0.03m | €0.03m | €0.03m | €0.04m | €0.05m | ▲ 18.4% |
| Taxes450/3 | - | - | - | €0.007m | €0 | €0.001m | €0 | €0.01m | - |
| Remuneration and social security454/9 | - | - | - | €0.02m | €0.03m | €0.03m | €0.04m | €0.04m | ▼ 4.0% |
| Other amounts payable47/48 | - | - | - | €0.4m | €0 | €0.05m | €0.01m | €0.3m | ▲ 23× |
| Accrued charges and deferred income492/3 | - | - | - | €0.001m | €0 | - | €0.001m | €0 | ▼ 100% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,471 | €280,808 | €313,748 | €349,941 | €277,088 | €323,595 | €349,452 | €335,673 | ▼ 3.9% |
| + Depreciation and write-downs630 | €6,258 | €82,867 | €107,540 | €150,003 | €180,427 | €211,105 | €235,586 | €205,652 | ▼ 12.7% |
| Operating cash flow (approximation) | €2,787 | €363,675 | €421,288 | €499,944 | €457,515 | €534,700 | €585,038 | €541,325 | ▼ 7.5% |
| Investment in fixed assets (approximation) | - | -€72,339 | -€260,809 | -€189,132 | -€341,534 | -€292,042 | -€70,468 | -€8,054 | ▲ 88.6% |
| Change in cash | - | €241,479 | €345,258 | -€509,149 | -€61,350 | €83,505 | €13,426 | -€60,168 | - |
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 (8)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 08-06-2026 | 2026-00143552 |
| 31-12-2024 | abbreviated format | 02-06-2025 | 2025-00114993 |
| 31-12-2023 | abbreviated format | 02-07-2024 | 2024-00203063 |
| 31-12-2022 | abbreviated format | 09-06-2023 | 2023-00118315 |
| 31-12-2021 | abbreviated format | 01-06-2022 | 2022-20044634 |
| 31-12-2020 | micro format | 04-06-2021 | 2021-17300277 |
| 31-12-2019 | micro format | 12-06-2020 | 2020-17700207 |
| 31-12-2018 | micro format | 03-06-2019 | 2019-15500551 |
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Of the 1,650 active companies whose main activity is agents and brokers in banking services (NACE 66191), figures are known for 1,201. 692 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2025 · 1 entry · €175 awarded · €102 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format
2025
02-06
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format
2024
02-07
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format
2023
09-06
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format
2022
31-12
Financial
Equity above €200,000equity €296,713 ▲1,412%
4 profitable years in a row build equity to €296,713.
01-06
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
31-12
Financial
Highest result from 2018 to 2025net €349,941 ▲11.5%
Net result €349,941, the highest in the series.
04-06
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
31-12
Financial
Equity above €500,000equity €609,685 ▲108%
2 profitable years in a row build equity to €609,685.
12-06
NBB filing
Annual accounts filed
financial year 2019 · micro format
2019
31-12
Financial
Back to profitnet €280,808
Net result €280,808 after one loss-making year.
31-12
Financial
Liquidity more than 8 timescurrent ratio 2.04
Current ratio from 0.24 to 2.04.
31-12
Financial
Equity above €200,000equity €293,537 ▲2,206%
Equity rises from €12,729 to €293,537.
03-06
NBB filing
Annual accounts filed
financial year 2018 · micro format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 2 deeds read
About the unread acts
We know of 2 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company
Founded03-09-2018
Financial year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0701975340
Registered
29-07-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits
3 applications in Flanders since 2020 · 2 granted
Verbouwen en/of uitbreiden met functiewijziging en met wijziging van aantal woongelegenheden
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Gevel-, dak-, instandhoudings- en renovatiewerken binnen een gebouw, zonder volume- of oppervlaktewijziging
Source: Omgevingsloket Vlaanderen. Flanders only: Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Rotselaar · 1 establishment unit since 2018
Ground area
477 m²
Building footprint
231 m²
Building volume
2,186 m³
Parcel 24094B0840/00H000, Flanders · tallest building 11.7 m. Linked by address, not a title deed.
1 establishment unit
Argenta Rotselaar
since 2018unit no. 2.280.503.355
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24094B0840/00H000 | Flanders | 477 m² | 1 · 231 m² | 11.7 m · 3 |
How the parcels are linked
Good to know
The parcel matches the address exactly.