Summary
SOFIN 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 €54.8m and a net result of €352,261. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 89% of 5565 sector peers (fiscal year 2025). The company has been active since 2014 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
on the day
2022
31 d late
2021
24 d early
2020
1 d early
2019
67 d late
← 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 19 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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.
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, abbreviated schema
In the rankings
#8 company by total assets in Knokke-Heist, Finance and insurance sector#8 company by equity in Knokke-Heist, Finance and insurance sector
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€54.8m▲ 0.6%
2024 · €54.4m
Net result
€352,261▼ 52.4%
2024 · €739,758
Total assets
€58.5m▲ 0.8%
2024 · €58.1m
Solvency
93.6%▼ 0.1pp
2024 · 93.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€626,201▲ 23.9%€966,325▲ 54.3%€1.1m▲ 11.0%€1.1m▼ 1.2%€486,941▼ 54.1%
Net result€295,073above the sector's middle half▼ 19.6%€1.7mabove the sector's middle half▲ 481%€8.0mabove the sector's middle half▲ 369%€739,758above the sector's middle half▼ 90.8%€352,261above the sector's middle half▼ 52.4%
Equity€54.3mabove the sector's middle half▲ 0.5%€53.0mabove the sector's middle half▼ 2.5%€53.7mabove the sector's middle half▲ 1.4%€54.4mabove the sector's middle half▲ 1.4%€54.8mabove the sector's middle half▲ 0.6%
Total assets€58.1mabove the sector's middle half▲ 0.5%€56.7mabove the sector's middle half▼ 2.5%€57.4mabove the sector's middle half▲ 1.3%€58.1mabove the sector's middle half▲ 1.2%€58.5mabove the sector's middle half▲ 0.8%
Debt€3.8m▼ 0.7%€3.7m▼ 2.4%€3.7m▼ 0.9%€3.6m▼ 1.4%€3.7m▲ 2.4%
Working capital€2.9m▲ 18.5%€1.7m▼ 40.7%€2.6m▲ 52.0%€3.5m▲ 33.5%€4.0m▲ 13.8%
Solvency93.4%above the sector's middle half▲ 0.1pp93.4%above the sector's middle half=93.6%above the sector's middle half▲ 0.1pp93.7%above the sector's middle half▲ 0.2pp93.6%above the sector's middle half▼ 0.1pp
Staff (FTE)0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 54% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58.5m
Fixed assets
€54.3m ▼ 0.2%
Current assets
€4.2m ▲ 15.6%
Equity and liabilities €58.5m
Equity
€54.8m ▲ 0.6%
Debt
€3.7m ▲ 2.4%
Debt's share of the balance-sheet total rises from 6.3% to 6.4%. Equity and debt are higher.
Key figures and ratios
ROE
0.6%▼
2024 · 1.4%
ROA
0.6%▼
2024 · 1.3%
Debt ≤ 1 year
€244,344▲
2024 · €156,223
Debt > 1 year
€3.5m=
2024 · €3.5m
Income taxes
€168,564▼
2024 · €317,039
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 | - | - | €60,282 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €168,498 | €156,670 | €143,240 | €133,739 | €126,424 | ▼ 5.5% |
| Other operating charges640/8 | €17,189 | €9,394 | €10,529 | €6,323 | €6,578 | ▲ 4.0% |
| Gross operating margin9900 | €811,888 | €1.1m | €1.2m | €1.2m | €619,942 | ▼ 48.3% |
| Operating profit (loss)9901 | €626,201 | €966,325 | €1.1m | €1.1m | €486,941 | ▼ 54.1% |
| Financial income75/76B | €11,598 | €1.0m | €7.3m | €18,205 | €55,112 | ▲ 203% |
| Recurring financial income75 | €11,598 | €1.0m | €7.3m | €18,205 | €55,112 | ▲ 203% |
| Financial charges65/66B | €44,537 | €21,244 | €21,251 | €21,289 | €21,228 | ▼ 0.3% |
| Recurring financial charges65 | €44,537 | €21,244 | €21,251 | €21,289 | €21,228 | ▼ 0.3% |
| Profit (loss) for the period before taxes9903 | €593,262 | €2.0m | €8.4m | €1.1m | €520,825 | ▼ 50.7% |
| Income taxes67/77 | €298,189 | €245,249 | €320,108 | €317,039 | €168,564 | ▼ 46.8% |
| Profit (loss) for the period9904 | €295,073 | €1.7m | €8.0m | €739,758 | €352,261 | ▼ 52.4% |
| Profit (loss) for the period to be appropriated9905 | €295,073 | €1.7m | €8.0m | €739,758 | €352,261 | ▼ 52.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €58.1m | €56.7m | €57.4m | €58.1m | €58.5m | ▲ 0.8% |
| Fixed assets21/28 | €54.9m | €54.7m | €54.6m | €54.4m | €54.3m | ▼ 0.2% |
| Tangible fixed assets22/27 | €2.4m | €2.3m | €2.1m | €2.0m | €1.8m | ▼ 6.4% |
| Land and buildings22 | €2.4m | €2.2m | €2.1m | €1.9m | €1.8m | ▼ 6.5% |
| Furniture and vehicles24 | €34,947 | €31,718 | €30,000 | €30,000 | €30,000 | = |
| Financial fixed assets28 | €52.5m | €52.5m | €52.5m | €52.5m | €52.5m | = |
| Current assets29/58 | €3.2m | €2.0m | €2.8m | €3.6m | €4.2m | ▲ 15.6% |
| Amounts receivable after more than one year29 | €1.4m | €1.3m | €1.4m | €1.4m | €1.1m | ▼ 24.7% |
| Other amounts receivable291 | €1.4m | €1.3m | €1.4m | €1.4m | €1.1m | ▼ 24.7% |
| Amounts receivable within one year40/41 | €220,029 | €335,939 | €175,421 | €239,886 | €339,284 | ▲ 41.4% |
| Trade receivables40 | €218,073 | €328,886 | €169,825 | €230,491 | €306,941 | ▲ 33.2% |
| Other amounts receivable41 | €1,957 | €7,052 | €5,596 | €9,395 | €32,342 | ▲ 244% |
| Current investments50/53 | - | - | €254,344 | €1.3m | €1.3m | ▲ 3.0% |
| Cash at bank and in hand54/58 | €1.6m | €321,703 | €986,318 | €744,962 | €1.5m | ▲ 104% |
| Deferred charges and accrued income490/1 | €120 | €0 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €58.1m | €56.7m | €57.4m | €58.1m | €58.5m | ▲ 0.8% |
| Equity10/15 | €54.3m | €53.0m | €53.7m | €54.4m | €54.8m | ▲ 0.6% |
| Contributions10/11 | €53.4m | €50.4m | €43.5m | €43.5m | €43.5m | = |
| Reserves13 | €8,309 | €8,309 | €8,309 | €8,309 | €8,309 | = |
| Non-distributable reserves130/1 | €0 | - | - | - | - | - |
| Reserves not available under the articles1311 | €0 | - | - | - | - | - |
| Distributable reserves133 | €8,309 | €8,309 | €8,309 | €8,309 | €8,309 | = |
| Profit (loss) carried forward14 | €843,459 | €2.5m | €10.2m | €11.0m | €11.3m | ▲ 3.2% |
| Amounts payable17/49 | €3.8m | €3.7m | €3.7m | €3.6m | €3.7m | ▲ 2.4% |
| Amounts payable after more than one year17 | €3.5m | €3.5m | €3.5m | €3.5m | €3.5m | = |
| Financial debts170/4 | €3.5m | €3.5m | €3.5m | €3.5m | €3.5m | = |
| Amounts payable within one year42/48 | €335,097 | €242,705 | €209,268 | €156,223 | €244,344 | ▲ 56.4% |
| Trade debts44 | €5,678 | €1,368 | €1,507 | €1,896 | €3,940 | ▲ 108% |
| Suppliers440/4 | €5,678 | €1,368 | €1,507 | €1,896 | €3,940 | ▲ 108% |
| Taxes, remuneration and social security45 | €193,003 | €99,368 | €132,201 | €116,228 | €218,594 | ▲ 88.1% |
| Taxes450/3 | €193,003 | €99,368 | €132,201 | €116,228 | €218,594 | ▲ 88.1% |
| Other amounts payable47/48 | €136,416 | €141,970 | €75,560 | €38,099 | €21,810 | ▼ 42.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €295,073 | €1.7m | €8.0m | €739,758 | €352,261 | ▼ 52.4% |
| + Depreciation and write-downs630 | €168,498 | €156,670 | €143,240 | €133,739 | €126,424 | ▼ 5.5% |
| Operating cash flow (approximation) | €463,571 | €1.9m | €8.2m | €873,498 | €478,685 | ▼ 45.2% |
| Investment in fixed assets (approximation) | - | -€0 | €1,718 | €0 | €0 | - |
| Change in cash | - | -€1.3m | €664,614 | -€241,355 | €775,915 | ▲ 421% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
07-08
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
2025
23-09
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €8.0m ▲369%
Operating result €1.1m, net result €8.0m, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
01-06
State Gazette act
Board meeting · Director resignation
Director appointment · Board composition
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
21-06
State Gazette act
Board meeting · General meeting
Merger · Accounting effect
21-06
State Gazette act
Board meeting · Merger
Corporate purpose · Capital increase
Show earlier events
26-05
State Gazette act
General meeting · Statutes amendment
Director reappointment · Director appointment
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 67 days late
2019
11-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 72 days late
22-07
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
15-02
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 52 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneState Gazette actNBB 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, Knokke-Heist · 1 establishment unit since 2014
Ground area
3,987 m²
Building footprint
3,499 m²
Volume, LiDAR
78,764 m³
2 parcels, Flanders · tallest building 43.4 m, ±9 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
SOFIN
since 20142.239.618.152
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0767/00G000 | Flanders | 3,619 m² | 1 · 3,148 m² | 43.4 m · 7 fl. |
| 31334B0116/00B000 | Flanders | 367 m² | 1 · 351 m² | 34.0 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
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Linked via shared directors
nexuzhealth
Shared director
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Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
4 locations
2 locations
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 2,563 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-12-2014
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0507724427
Registered
20-11-2020
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.