Summary
SOFILLOYD 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 €950,111 and a net result of -€15,316. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 2463 sector peers (fiscal year 2025). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
49 d early
2023
64 d early
2022
53 d early
2021
54 d early
2020
60 d early
2019
50 d 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 56 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 7 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€950,111▼ 6.9%
2024 · €1.0m
Net result
-€15,316
2024 · €2,306
Total assets
€1.4m▼ 6.5%
2024 · €1.5m
Solvency
65.8%▼ 0.3pp
2024 · 66.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€55,814▲ 16.8%€44,623▼ 20.1%€64,938▲ 45.5%€27,257▼ 58.0%€17,214▼ 36.8%
Net result€16,877within the sector's middle half▲ 64.3%€10,711within the sector's middle half▼ 36.5%€24,536within the sector's middle half▲ 129%€2,306below the sector's middle half▼ 90.6%-€15,316below the sector's middle half
Equity€1.2mabove the sector's middle half▼ 3.1%€1.1mabove the sector's middle half▼ 5.2%€1.1mabove the sector's middle half▼ 2.5%€1.0mabove the sector's middle half▼ 6.0%€950,111above the sector's middle half▼ 6.9%
Total assets€1.8mabove the sector's middle half▼ 5.0%€1.6mabove the sector's middle half▼ 7.0%€1.6mabove the sector's middle half▼ 0.4%€1.5mabove the sector's middle half▼ 5.5%€1.4mabove the sector's middle half▼ 6.5%
Debt€137,781▼ 21.4%€92,823▼ 32.6%€130,817▲ 40.9%€124,075▼ 5.2%€111,940▼ 9.8%
Working capital€517,263above the sector's middle half▼ 8.9%€392,088above the sector's middle half▼ 24.2%€350,748above the sector's middle half▼ 10.5%€254,827above the sector's middle half▼ 27.3%€173,696within the sector's middle half▼ 31.8%
Solvency66.5%within the sector's middle half▲ 1.3pp67.9%within the sector's middle half▲ 1.3pp66.5%within the sector's middle half▼ 1.4pp66.1%within the sector's middle half▼ 0.4pp65.8%within the sector's middle half▼ 0.3pp
Current ratio7.67above the sector's middle half▲ 0.058.11above the sector's middle half▲ 0.445.62above the sector's middle half▼ 2.494.90above the sector's middle half▼ 0.733.43within the sector's middle half▼ 1.47
Return on assets (ROA)1.0%below the sector's middle half▲ 0.4pp0.7%below the sector's middle half▼ 0.3pp1.5%within the sector's middle half▲ 0.8pp0.1%below the sector's middle half▼ 1.4pp-1.1%below the sector's middle half▼ 1.2pp
Staff (FTE)3.6=3.6=3.6=3.6=3.6=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.2m ▼ 2.1%
Current assets
€245,234 ▼ 23.4%
Equity and liabilities €1.4m
Equity
€950,111 ▼ 6.9%
Provisions
€382,016 ▼ 4.4%
Debt
€111,940 ▼ 9.8%
Debt's share of the balance-sheet total falls from 8.0% to 7.8%. Equity and debt are lower.
Key figures and ratios
ROE
-1.6%▼
2024 · 0.2%
Debt ≤ 1 year
€71,538▲
2024 · €65,423
Debt > 1 year
€30,213▼
2024 · €47,995
Income taxes
€9,092▲
2024 · €15
Staff costs
€216,914▲
2024 · €207,105
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €40,000 | €23,000 | - | - | - |
| Remuneration, social security and pensions62 | €176,916 | €188,430 | €198,202 | €207,105 | €216,914 | ▲ 4.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,328 | €16,279 | €37,765 | €35,985 | €31,889 | ▼ 11.4% |
| Other operating charges640/8 | €4,508 | €47,549 | €32,184 | €6,493 | €3,781 | ▼ 41.8% |
| Non-recurring operating charges66A | €15,093 | €15,743 | €17,452 | €18,072 | €19,290 | ▲ 6.7% |
| Gross operating margin9900 | €286,659 | €312,625 | €350,541 | €294,913 | €289,088 | ▼ 2.0% |
| Operating profit (loss)9901 | €55,814 | €44,623 | €64,938 | €27,257 | €17,214 | ▼ 36.8% |
| Financial income75/76B | €72 | €8 | €112 | €82 | €68 | ▼ 17.7% |
| Recurring financial income75 | €72 | €8 | €112 | €82 | €68 | ▼ 17.7% |
| Financial charges65/66B | €26,245 | €25,070 | €24,444 | €25,019 | €23,504 | ▼ 6.1% |
| Recurring financial charges65 | €26,245 | €25,070 | €24,444 | €25,019 | €23,504 | ▼ 6.1% |
| Profit (loss) for the period before taxes9903 | €29,640 | €19,561 | €40,607 | €2,321 | -€6,223 | ▼ 368% |
| Income taxes67/77 | €12,764 | €8,850 | €16,070 | €15 | €9,092 | ▲ 60,638% |
| Profit (loss) for the period9904 | €16,877 | €10,711 | €24,536 | €2,306 | -€15,316 | ▼ 764% |
| Profit (loss) for the period to be appropriated9905 | €16,877 | €10,711 | €24,536 | €2,306 | -€15,316 | ▼ 764% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.8m | €1.6m | €1.6m | €1.5m | €1.4m | ▼ 6.5% |
| Fixed assets21/28 | €1.2m | €1.2m | €1.2m | €1.2m | €1.2m | ▼ 2.1% |
| Intangible fixed assets21 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Tangible fixed assets22/27 | €72,270 | €55,991 | €69,300 | €85,963 | €60,849 | ▼ 29.2% |
| Furniture and vehicles24 | €72,270 | €55,991 | €69,300 | €85,963 | €60,849 | ▼ 29.2% |
| Financial fixed assets28 | €98 | €98 | €98 | €98 | €98 | = |
| Current assets29/58 | €594,859 | €447,250 | €426,618 | €320,250 | €245,234 | ▼ 23.4% |
| Amounts receivable within one year40/41 | €447,606 | €324,836 | €246,366 | €210,471 | €199,523 | ▼ 5.2% |
| Trade receivables40 | €440,369 | €318,687 | €246,366 | €192,969 | €186,456 | ▼ 3.4% |
| Other amounts receivable41 | €7,237 | €6,150 | - | €17,502 | €13,067 | ▼ 25.3% |
| Cash at bank and in hand54/58 | €145,977 | €121,054 | €178,892 | €108,419 | €44,256 | ▼ 59.2% |
| Deferred charges and accrued income490/1 | €1,275 | €1,360 | €1,360 | €1,360 | €1,455 | ▲ 7.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.8m | €1.6m | €1.6m | €1.5m | €1.4m | ▼ 6.5% |
| Equity10/15 | €1.2m | €1.1m | €1.1m | €1.0m | €950,111 | ▼ 6.9% |
| Contributions10/11 | €71,689 | €71,689 | €71,689 | €71,689 | €71,689 | = |
| Capital10 | €62,325 | €62,325 | €62,325 | €62,325 | €62,325 | = |
| Issued capital100 | €62,325 | €62,325 | €62,325 | €62,325 | €62,325 | = |
| Outside capital11 | €9,364 | €9,364 | €9,364 | €9,364 | €9,364 | = |
| Share premium1100/10 | €9,364 | €9,364 | €9,364 | €9,364 | €9,364 | = |
| Reserves13 | €174,324 | €113,535 | €91,650 | €91,650 | €64,500 | ▼ 29.6% |
| Non-distributable reserves130/1 | €6,252 | €6,252 | €6,252 | €6,252 | €6,252 | = |
| Legal reserve130 | €6,252 | €6,252 | €6,252 | €6,252 | €6,252 | = |
| Tax-exempt reserves132 | €23,000 | €23,000 | €23,000 | €23,000 | €23,000 | = |
| Distributable reserves133 | €145,071 | €84,282 | €62,397 | €62,397 | €35,247 | ▼ 43.5% |
| Profit (loss) carried forward14 | €928,432 | €928,432 | €922,432 | €857,238 | €813,922 | ▼ 5.1% |
| Provisions and deferred taxes16 | €452,887 | €434,745 | €417,314 | €399,545 | €382,016 | ▼ 4.4% |
| Provisions for liabilities and charges160/5 | €452,887 | €434,745 | €417,314 | €399,545 | €382,016 | ▼ 4.4% |
| Environmental obligations163 | €452,887 | €434,745 | €417,314 | €399,545 | €382,016 | ▼ 4.4% |
| Amounts payable17/49 | €137,781 | €92,823 | €130,817 | €124,075 | €111,940 | ▼ 9.8% |
| Amounts payable after more than one year17 | €48,106 | €26,066 | €43,816 | €47,995 | €30,213 | ▼ 37.0% |
| Financial debts170/4 | €48,106 | €26,066 | €43,816 | €47,995 | €30,213 | ▼ 37.0% |
| Amounts payable within one year42/48 | €77,596 | €55,162 | €75,870 | €65,423 | €71,538 | ▲ 9.3% |
| Current portion of amounts payable after more than one year42 | €28,695 | €22,039 | €26,371 | €26,944 | €17,782 | ▼ 34.0% |
| Trade debts44 | €16,305 | €1,462 | €15,951 | €2,063 | €15,522 | ▲ 652% |
| Suppliers440/4 | €16,305 | €1,462 | €15,951 | €2,063 | €15,522 | ▲ 652% |
| Taxes, remuneration and social security45 | €32,596 | €31,660 | €33,549 | €36,141 | €36,112 | ▼ 0.1% |
| Taxes450/3 | €8,009 | €7,486 | €8,285 | €9,363 | €8,411 | ▼ 10.2% |
| Remuneration and social security454/9 | €24,587 | €24,174 | €25,264 | €26,778 | €27,701 | ▲ 3.4% |
| Other amounts payable47/48 | - | - | - | €274 | €2,122 | ▲ 674% |
| Accrued charges and deferred income492/3 | €12,079 | €11,595 | €11,130 | €10,656 | €10,189 | ▼ 4.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,877 | €10,711 | €24,536 | €2,306 | -€15,316 | ▼ 764% |
| + Depreciation and write-downs630 | €34,328 | €16,279 | €37,765 | €35,985 | €31,889 | ▼ 11.4% |
| Operating cash flow (approximation) | €51,205 | €26,990 | €62,302 | €38,291 | €16,574 | ▼ 56.7% |
| Investment in fixed assets (approximation) | - | -€40,000 | -€51,075 | -€52,648 | -€6,776 | ▲ 87.1% |
| Change in cash | - | -€24,924 | €57,839 | -€70,473 | -€64,163 | ▲ 9.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€15,316
Net result drops to -€15,316, the lowest in the series.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State 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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Directors · office · real estate
Directors
6 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, Brussel · 1 establishment unit since 1990
Ground area
936 m²
Building footprint
287 m²
Volume, LiDAR
4,016 m³
Parcel 21818A0249/00G003, Brussels · tallest building 18.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BORIS SC
since 19902.048.229.135
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21818A0249/00G003 | Brussels | 936 m² | 1 · 287 m² | 18.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,206 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded11-12-1989
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
Website
www.sofilloyd.be
E-mail
admin@sofilloyd.be
E-invoicing
Not found in the Peppol register
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Register as of 28 September 2026 · Peppol Directory
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