SOFIRI 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 €331k and a net result of €96k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 2420 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
40 d early
2024
29 d early
2023
41 d early
2022
36 d early
2021
2 d early
2020
44 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€331k▲ 0.9%
2024 · €328k
2019: €200k
2020: €246k
2021: €268k
2022: €278k
2023: €275k
2024: €328k
2019 → 2025
Net result
€96k▼ 9.8%
2024 · €107k
2019: €53k
2020: €93k
2021: €68k
2022: €7k
2023: €40k
2024: €107k
2019 → 2025
Total assets
€558k▲ 20.0%
2024 · €465k
2019: €254k
2020: €359k
2021: €406k
2022: €391k
2023: €390k
2024: €465k
2019 → 2025
Solvency
59.3%▼ 11.2pp
2024 · 70.6%
2019: 78.6%
2020: 68.5%
2021: 65.9%
2022: 71.0%
2023: 70.4%
2024: 70.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€278k▲ 3.8%€275k▼ 1.1%€328k▲ 19.4%€331k▲ 0.9%
Operating result€96k-€14k▼ 85.7%€59k▲ 331%€142k▲ 139%€135k▼ 4.9%
Net result€68k-€7k▼ 89.0%€40k▲ 432%€107k▲ 168%€96k▼ 9.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €558k
Fixed assets
€89k▼ 15.3%
Current assets
€469k▲ 30.3%
Equity and liabilities €558k
Equity
€331k▲ 0.9%
Provisions
€14k=
Debt
€212k▲ 73.7%
The debt ratio rises from 26.3% to 38.1%. Equity and debt are higher.
Key figures and ratios
Solvency
59.3%▼
2024 · 70.6%
ROE
29.1%▼
2024 · 32.5%
ROA
17.2%▼
2024 · 22.9%
Debt
€212k▲
2024 · €122k
Debt ≤ 1 year
€175k▲
2024 · €82k
Debt > 1 year
€38k▼
2024 · €40k
Income taxes
€40k▲
2024 · €38k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€465k€558k▲
Fixed assets21/28€105k€89k▼
Intangible fixed assets21€10k€8k▼
Tangible fixed assets22/27€95k€81k▼
Land and buildings22€48k€47k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€44k€33k▼
Current assets29/58€360k€469k▲
Amounts receivable within one year40/41€17k€98k▲
Trade receivables40€17k€98k▲
Current investments50/53€150k-
Cash at bank and in hand54/58€192k€369k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€465k€558k▲
Equity10/15€328k€331k▲
Contributions10/11€6k€6k=
Reserves13€322k€325k▲
Distributable reserves133€322k€325k▲
Provisions and deferred taxes16€14k€14k=
Provisions for liabilities and charges160/5€14k€14k=
Pensions and similar obligations160€14k€14k=
Amounts payable17/49€122k€212k▲
Amounts payable after more than one year17€40k€38k▼
Financial debts170/4€40k€38k▼
Amounts payable within one year42/48€82k€175k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Trade debts44€500€713▲
Suppliers440/4€500€713▲
Taxes, remuneration and social security45€25k€25k▼
Taxes450/3€25k€25k▼
Other amounts payable47/48€54k€146k▲
Income statement
Code20242025
Non-recurring operating income76A€16k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€16k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€154k€152k▼
Operating profit (loss)9901€142k€135k▼
Financial income75/76B€4k€1k▼
Recurring financial income75€4k€1k▼
Financial charges65/66B€612€555▼
Recurring financial charges65€612€555▼
Profit (loss) for the period before taxes9903€145k€136k▼
Income taxes67/77€38k€40k▲
Profit (loss) for the period9904€107k€96k▼
Profit (loss) for the period to be appropriated9905€107k€96k▼
Appropriation of the result
Profit (loss) to be appropriated9906€107k€96k▼
Transfer from equity791/2€53k€93k▲
Transfer to equity691/2€107k€96k▼
To other reserves6921€107k€96k▼
Profit to be distributed694/7€53k€93k▲
Return on contributions (dividend)694€53k€93k▲
The notes to these accounts (8 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €107k ▲168%
Operating result €142k, net result €107k, both a record.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €7k ▼89%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Equity above €200kEq €246k ▲22.9%
2 profitable years in a row build equity to €246k.
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Torhout · 1 establishment unit since 2010
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.
Driekoningenstraat 278820 TorhoutGround area
682 m²
Building footprint
207 m²
Volume, LiDAR
897 m³
Parcel 31522B0084/00A002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sofiri
since 20102.185.849.567
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31522B0084/00A002 | Flanders | 682 m² | 1 · 207 m² | 7.9 m · 2 fl. |
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
2022 · 1 entry · 141 EUR awarded · 141 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 141 EUR | 141 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,736 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-02-2010
Fiscal year end30-06
Activities, NACEBEL
66220Insurance agents and brokers
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:christophe.rigaut@gmail.com
Phone:0494/363519