SOFITERRA
ActiveSOFITERRA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €158k and a net result of €39k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 45% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+1
Solvency48▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.25 in 2024; short-term debt: 76.6% and cash: 2.2% of total assets), and 76.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
23.4%
Return on assets
5.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
29 d late
2023
29 d late
2022
26 d late
2021
3 d early
2020
30 d early
2019
27 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€158k▲ 33.0%
2024 · €119k
2018: €48k
2019: €72k
2020: €67k
2021: €70k
2022: €92k
2023: €86k
2024: €119k
2018 → 2025
Total assets
€674k▲ 11.6%
2024 · €604k
2018: €353k
2019: €242k
2020: €494k
2021: €687k
2022: €729k
2023: €655k
2024: €604k
2018 → 2025
Net result
€39k▲ 21.4%
2024 · €32k
2018: €29k
2019: €24k
2020: €-6k
2021: €4k
2022: €22k
2023: €-5k
2024: €32k
2018 → 2025
Working capital
€158k▲ 31.0%
2024 · €120k
2018: €48k
2019: €72k
2020: €67k
2021: €72k
2022: €94k
2023: €88k
2024: €120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€92k▲ 30.8%€86k▼ 5.9%€119k▲ 37.3%€158k▲ 33.0%
Operating result€5k-€33k▲ 579%€-5k€47k€59k▲ 25.7%
Net result€4k-€22k▲ 479%€-5k€32k€39k▲ 21.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €674k
Equity
€158k▲ 33.0%
Debt
€516k▲ 6.3%
The debt ratio falls from 80.4% to 76.6%. Equity and debt are higher.
Key figures and ratios
Solvency
23.4%▲
2024 · 19.6%
Current ratio
1.31▲
2024 · 1.25
Quick ratio
0.03▼
2024 · 0.62
Debt / equity
3.27▼
2024 · 4.09
ROE
24.8%▼
2024 · 27.2%
ROA
5.8%▲
2024 · 5.3%
Debt
€516k▲
2024 · €486k
Debt ≤ 1 year
€516k▲
2024 · €484k
Income taxes
€20k▲
2024 · €14k
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€604k€674k▲
Current assets29/58€604k€674k▲
Stocks and contracts in progress3€306k€659k▲
Stocks30/36€306k€659k▲
Amounts receivable within one year40/41-€497
Other amounts receivable41-€497
Cash at bank and in hand54/58€299k€15k▼
Equity and liabilities
Total equity and liabilities10/49€604k€674k▲
Equity10/15€119k€158k▲
Contributions10/11€20k€20k=
Reserves13€60k€99k▲
Distributable reserves133€60k€99k▲
Profit (loss) carried forward14€39k€39k=
Amounts payable17/49€486k€516k▲
Amounts payable within one year42/48€484k€516k▲
Trade debts44€13k€27k▲
Suppliers440/4€13k€27k▲
Taxes, remuneration and social security45€16k€34k▲
Taxes450/3€16k€34k▲
Other amounts payable47/48€455k€455k=
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Other operating charges640/8€547€764▲
Gross operating margin9900€48k€60k▲
Operating profit (loss)9901€47k€59k▲
Financial charges65/66B€298€408▲
Recurring financial charges65€298€408▲
Profit (loss) for the period before taxes9903€47k€59k▲
Income taxes67/77€14k€20k▲
Profit (loss) for the period9904€32k€39k▲
Profit (loss) for the period to be appropriated9905€32k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€78k▲
Profit (loss) brought forward from the previous period14P€39k€39k=
Transfer to equity691/2€32k€39k▲
To other reserves6921€32k€39k▲
The notes to these accounts (1 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €39k ▲21.4%
Operating result €59k, net result €39k, both a record.
31-12
Financial
Equity above €150kEq €158k ▲33%
2 profitable years in a row build equity to €158k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Equity above €100kEq €119k ▲37.3%
Equity rises from €86k to €119k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-6k ▼124%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
12-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 2011
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 198820 TorhoutGround area
4,197 m²
Building footprint
336 m²
Volume, LiDAR
1,577 m³
Parcel 31522B0084/00R002, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Sofiterra
since 20112.200.618.808
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31522B0084/00R002 | Flanders | 4,197 m² | 1 · 336 m² | 7.9 m · 1 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.
Similar companies · same sector, comparable size
RP-4
BE 0805.900.348
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LAURUS MANIMMO
BE 0534.386.064
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BAELEN D./PROJECTS
BE 0825.320.540
Izegem · Eq €158k
WULFFAERT BOUW
BE 0688.576.571
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ODD CONSTRUCT
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2011
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68121Development of residential building projects
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.