Sofie Vanneste
ActiveSummary
Sofie Vanneste has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €20k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 32% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77=
Solvency61▼-20
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 10.13 against 4.27 in 2024; short-term debt: 7.3% and cash: 9.5% of total assets), but 64.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
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
35.8%
Return on assets
6.2%
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 01-07-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 d early
2024
9 d early
2023
on the day
2022
11 d late
2021
26 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 7.7%
2024 · €108k
2021: €30k
2022: €63k
2023: €96k
2024: €108k
2021 → 2025
Total assets
€324k▲ 69.7%
2024 · €191k
2021: €71k
2022: €99k
2023: €155k
2024: €191k
2021 → 2025
Net result
€20k▲ 68.5%
2024 · €12k
2021: €27k
2022: €34k
2023: €32k
2024: €12k
2021 → 2025
Working capital
€216k▲ 190%
2024 · €74k
2021: €18k
2022: €47k
2023: €72k
2024: €74k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€63k▲ 113%€96k▲ 51.1%€108k▲ 12.5%€116k▲ 7.7%
Operating result€37k-€49k▲ 31.4%€47k▼ 4.8%€17k▼ 63.5%€27k▲ 56.2%
Net result€27k-€34k▲ 25.9%€32k▼ 3.8%€12k▼ 63.2%€20k▲ 68.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324k
Fixed assets
€84k ▼ 10.6%
Current assets
€240k ▲ 147%
Equity and liabilities €324k
Equity
€116k ▲ 7.7%
Debt
€208k ▲ 150%
Debt's share of the balance-sheet total rises from 43.5% to 64.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▲
2024 · €38k
Cash flow
€34k▲
2024 · €33k
Current ratio
10.13▲
2024 · 4.27
Debt to equity
1.79▲
2024 · 0.77
ROE
17.3%▲
2024 · 11.1%
ROA
6.2%▼
2024 · 6.3%
Interest coverage
16.29▲
2024 · 13.49
Debt ≤ 1 year
€24k▲
2024 · €23k
Debt > 1 year
€184k▲
2024 · €60k
Income taxes
€6k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€191k€324k▲
Fixed assets21/28€93k€84k▼
Tangible fixed assets22/27€93k€84k▼
Land and buildings22€50k€50k=
Furniture and vehicles24€43k€30k▼
Other tangible fixed assets26-€4k
Current assets29/58€97k€240k▲
Amounts receivable after more than one year29€32k€33k▲
Other amounts receivable291€32k€33k▲
Amounts receivable within one year40/41€32k€175k▲
Trade receivables40€12k€13k▲
Other amounts receivable41€19k€162k▲
Cash at bank and in hand54/58€33k€31k▼
Deferred charges and accrued income490/1€523€1k▲
Equity and liabilities
Total equity and liabilities10/49€191k€324k▲
Equity10/15€108k€116k▲
Contributions10/11€3k€3k=
Reserves13€105k€113k▲
Distributable reserves133€105k€113k▲
Amounts payable17/49€83k€208k▲
Amounts payable after more than one year17€60k€184k▲
Financial debts170/4€60k€184k▲
Amounts payable within one year42/48€23k€24k▲
Current portion of amounts payable after more than one year42€16k€16k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Accrued charges and deferred income492/3-€9
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€14k▼
Other operating charges640/8€593€711▲
Gross operating margin9900€39k€41k▲
Operating profit (loss)9901€17k€27k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€16k€26k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€12k€20k▲
Profit (loss) for the period to be appropriated9905€12k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€20k▲
Transfer from equity791/2-€12k
Transfer to equity691/2€12k€20k▲
To other reserves6921€12k€20k▲
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
The notes to these accounts (7 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
Liquidity doublescurrent ratio 10.13
Current ratio from 4.27 to 10.13.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €12k ▼63.2%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €108k ▲12.5%
4 profitable years in a row build equity to €108k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Highest result since 2021net €34k ▲25.9%
Operating result €49k, net result €34k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Halle · 1 establishment unit since 2021
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.
Lenniksesteenweg 5271500 HalleGround area
514 m²
Building footprint
115 m²
Parcel 23027C0150/00F000, Flanders · tallest building 0.2 m. Linked by address, not a title deed.
1 establishment unit
Sofie Vanneste BV
since 20212.320.045.406
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027C0150/00F000 | Flanders | 514 m² | 1 · 115 m² | 0.2 m |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 187 EUR awarded · 186 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 97 EUR | 97 EUR |
| 2024 | 1 | 0 EUR | 44 EUR |
| 2023 | 1 | 90 EUR | 45 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,019 companies in sector 69103 we hold annual accounts for 611. 464 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.