Summary
SOFISSUR 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 €51,733 and a net result of €6,196. Equity is growing by about 15% per year across the filed fiscal years. Its solvency ranks better than 75% of 3,012 sector peers (NACE 66, fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220
1 site
Size
€67,949total assets 2025
- Equity
- €51,733
- Profit
- €6,196
Turnover not published (micro schema)
Financial health
Financial institution: outside the modelProbability: sector outside the model
Structure
Accounts 1 day early0 of 2 deeds read
SignalsneutralLatest 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
1 signal.
○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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
on the day
2023
44 days early
2022
1 day early
2021
34 days early
2020
25 days late
2019
39 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 13 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. Usually files around 30 January (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 year end09-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Highest result since 2019net €13,440 ▲184%
Financials · fiscal year 2025, micro schema
Equity
€51,733▲ 13.6%
2024 · €45,537
Net result
€6,196▼ 53.9%
2024 · €13,440
Total assets
€67,949▲ 5.6%
2024 · €64,352
Solvency
76.1%▲ 5.4pp
2024 · 70.8%
Trend over the years
2021 to 2025, 5 fiscal years 2019 to 2025, 7 fiscal years
The operating result falls in 2025; 2025 is 42% below 2024.
What the company sold each fiscal year and what was left of it. A loss stands below the zero line.
Operating result€9,450
2025
Net result€6,196
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€67,949
2025
Equity€51,733
2025
Debt€16,216
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€51,733
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)9.1%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency76.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio4.19
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 schema, 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).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result-€8,721--€3,770▲ 56.8%-€2,332▲ 38.1%€12,935€8,239▼ 36.3%€16,262▲ 97.4%€9,450▼ 41.9%
Net result-€9,064--€943below the sector's middle half▲ 89.6%-€2,301below the sector's middle half▼ 144%€8,261within the sector's middle half€4,727within the sector's middle half▼ 42.8%€13,440within the sector's middle half▲ 184%€6,196within the sector's middle half▼ 53.9%
Equity€37,812-€25,598below the sector's middle half▼ 32.3%€23,297below the sector's middle half▼ 9.0%€27,370below the sector's middle half▲ 17.5%€32,097below the sector's middle half▲ 17.3%€45,537within the sector's middle half▲ 41.9%€51,733within the sector's middle half▲ 13.6%
Total assets€51,616-€46,653below the sector's middle half▼ 9.6%€39,754below the sector's middle half▼ 14.8%€54,764below the sector's middle half▲ 37.8%€51,558below the sector's middle half▼ 5.9%€64,352below the sector's middle half▲ 24.8%€67,949below the sector's middle half▲ 5.6%
Debt€13,804-€21,055▲ 52.5%€16,457▼ 21.8%€27,394▲ 66.5%€19,461▼ 29.0%€18,815▼ 3.3%€16,216▼ 13.8%
Working capital€37,812-€25,945within the sector's middle half▼ 31.4%€23,297within the sector's middle half▼ 10.2%€27,370within the sector's middle half▲ 17.5%€24,337within the sector's middle half▼ 11.1%€45,537within the sector's middle half▲ 87.1%€51,733within the sector's middle half▲ 13.6%
Solvency73.3%-54.9%within the sector's middle half▼ 18.4pp58.6%within the sector's middle half▲ 3.7pp50.0%within the sector's middle half▼ 8.6pp62.3%within the sector's middle half▲ 12.3pp70.8%within the sector's middle half▲ 8.5pp76.1%above the sector's middle half▲ 5.4pp
Current ratio3.74-2.25within the sector's middle half▼ 1.492.42within the sector's middle half▲ 0.162.00within the sector's middle half▼ 0.422.25within the sector's middle half▲ 0.253.42within the sector's middle half▲ 1.174.19above the sector's middle half▲ 0.77
Return on assets (ROA)-17.6%--2.0%below the sector's middle half▲ 15.5pp-5.8%below the sector's middle half▼ 3.8pp15.1%within the sector's middle half▲ 20.9pp9.2%within the sector's middle half▼ 5.9pp20.9%within the sector's middle half▲ 11.7pp9.1%within the sector's middle half▼ 11.8pp
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 schema, and only where there are at least 30.
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €67,949
Equity
€51,733 ▲ 13.6%
Debt
€16,216 ▼ 13.8%
Debt's share of the balance-sheet total falls from 29.2% to 23.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.0%▼
2024 · 29.5%
Debt ≤ 1 year
€16,216▼
2024 · €18,815
Income taxes
€3,517▼
2024 · €5,889
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,336 | - | - | - | €441 | €0 | - | - |
| Other operating charges640/8 | - | - | - | €637 | €523 | €752 | €1,085 | ▲ 44.2% |
| Gross operating margin9900 | -€3,683 | -€3,208 | -€1,061 | €13,572 | €9,202 | €17,014 | €10,535 | ▼ 38.1% |
| Operating profit (loss)9901 | -€8,721 | -€3,770 | -€2,332 | €12,935 | €8,239 | €16,262 | €9,450 | ▼ 41.9% |
| Financial income75/76B | - | - | - | €396 | €396 | €3,136 | €396 | ▼ 87.4% |
| Recurring financial income75 | - | €3,536 | €396 | €396 | €396 | €396 | €396 | = |
| Non-recurring financial income76B | - | - | - | - | - | €2,740 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €67 | €220 | €69 | €134 | ▲ 93.5% |
| Recurring financial charges65 | €68 | €370 | €70 | €67 | €220 | €69 | €134 | ▲ 93.5% |
| Profit (loss) for the period before taxes9903 | -€8,789 | -€604 | -€2,006 | €13,263 | €8,414 | €19,329 | €9,713 | ▼ 49.8% |
| Income taxes67/77 | €275 | €339 | €296 | €5,002 | €3,688 | €5,889 | €3,517 | ▼ 40.3% |
| Profit (loss) for the period9904 | -€9,064 | -€943 | -€2,301 | €8,261 | €4,727 | €13,440 | €6,196 | ▼ 53.9% |
| Profit (loss) for the period to be appropriated9905 | -€9,064 | -€943 | -€2,301 | €8,261 | €4,727 | €13,440 | €6,196 | ▼ 53.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €51,616 | €46,653 | €39,754 | €54,764 | €51,558 | €64,352 | €67,949 | ▲ 5.6% |
| Fixed assets21/28 | - | - | - | - | €7,760 | €0 | - | - |
| Tangible fixed assets22/27 | - | - | - | - | €7,760 | €0 | - | - |
| Furniture and vehicles24 | - | - | - | - | €7,760 | €0 | - | - |
| Current assets29/58 | €51,616 | €46,653 | €39,754 | €54,764 | €43,798 | €64,352 | €67,949 | ▲ 5.6% |
| Amounts receivable after more than one year29 | - | - | - | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Other amounts receivable291 | - | - | - | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Amounts receivable within one year40/41 | €43,262 | €40,816 | €704 | €12,002 | €1,200 | €900 | €900 | = |
| Other amounts receivable41 | - | - | - | €12,002 | €1,200 | €900 | €900 | = |
| Cash at bank and in hand54/58 | €6,045 | €5,537 | €8,741 | €12,460 | €11,883 | €31,794 | €35,865 | ▲ 12.8% |
| Deferred charges and accrued income490/1 | - | - | - | €302 | €715 | €1,658 | €1,184 | ▼ 28.6% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €51,616 | €46,653 | €39,754 | €54,764 | €51,558 | €64,352 | €67,949 | ▲ 5.6% |
| Equity10/15 | €37,812 | €25,598 | €23,297 | €27,370 | €32,097 | €45,537 | €51,733 | ▲ 13.6% |
| Contributions10/11 | €6,200 | - | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €31,612 | €19,398 | €17,097 | €21,170 | €25,897 | €39,337 | €45,533 | ▲ 15.7% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Distributable reserves133 | - | - | - | €19,310 | €24,037 | €37,477 | €45,533 | ▲ 21.5% |
| Amounts payable17/49 | €13,804 | €21,055 | €16,457 | €27,394 | €19,461 | €18,815 | €16,216 | ▼ 13.8% |
| Amounts payable within one year42/48 | €13,804 | €20,708 | €16,457 | €27,394 | €19,461 | €18,815 | €16,216 | ▼ 13.8% |
| Trade debts44 | €7,477 | €3,054 | €1,444 | €4,503 | €3,577 | €2,308 | €4,052 | ▲ 75.6% |
| Suppliers440/4 | - | - | - | €4,503 | €3,577 | €2,308 | €4,052 | ▲ 75.6% |
| Taxes, remuneration and social security45 | - | - | - | €15,815 | €188 | €1,389 | €17 | ▼ 98.8% |
| Taxes450/3 | - | - | - | €2,712 | €188 | €1,389 | €17 | ▼ 98.8% |
| Remuneration and social security454/9 | - | - | - | €13,103 | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €7,075 | €15,696 | €15,118 | €12,147 | ▼ 19.7% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,064 | -€943 | -€2,301 | €8,261 | €4,727 | €13,440 | €6,196 | ▼ 53.9% |
| + Depreciation and write-downs630 | €4,336 | - | - | - | €441 | €0 | - | - |
| Operating cash flow (approximation) | -€4,728 | -€943 | -€2,301 | €8,261 | €5,167 | €13,440 | €6,196 | ▼ 53.9% |
| Investment in fixed assets (approximation) | - | - | - | - | - | €7,760 | - | - |
| Change in cash | - | -€508 | €3,204 | €3,719 | -€577 | €19,910 | €4,071 | ▼ 79.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 4,686 companies in this sector we hold annual accounts for 3,261. 2,338 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Directors
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €13,440 ▲184%
Operating result €16,262, net result €13,440, both a record.
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €8,261
Net result €8,261 after 3 loss-making years.
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-01
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.
0 of 2 acts read
About the unread acts
We know of 2 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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Register details
Identification
Legal formPrivate limited company
Founded21-03-2011
Fiscal year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
65111Insurance, reinsurance and pension funding, except compulsory social security
Contact
E-mail
phaentjens@skynet.beRoeselare
Phone
+32475747915Roeselare
E-invoicing
Reachable via Peppol
Peppol ID
0208:0834700440
Also
9925:BE0834700440
Registered
09-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 8 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Roeselare · 1 establishment unit since 2011
Ground area
517 m²
Building footprint
165 m²
Volume, LiDAR
998 m³
Parcel 36502B0610/00N000, Flanders · tallest building 8.4 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SOFISSUR
since 2011unit no. 2.197.825.604
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 36502B0610/00N000 | Flanders | 517 m² | 1 · 165 m² | 8.4 m · 2 |
Linked by address, not proof of ownership
Good to know
The parcel matches the address exactly.