SOFT4U
ActiveSOFT4U has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €12k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 26% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
61
/ 100
Healthy▲ +33 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+60
Solvency31▲+11
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.15 against 0.13 in 2024), and 72.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
27.5%
Return on assets
3.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €100k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
31 d late
2023
31 d late
2022
10 d late
2021
44 d early
2020
54 d early
2019
38 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 13.7%
2024 · €88k
2018: €86k
2019: €88k
2020: €101k
2021: €115k
2022: €110k
2023: €88k
2024: €88k
2018 → 2025
Total assets
€365k▼ 6.7%
2024 · €391k
2018: €100k
2019: €475k
2020: €477k
2021: €426k
2022: €487k
2023: €437k
2024: €391k
2018 → 2025
Net result
€12k
2024 · €-155
2018: €18k
2019: €4k
2020: €14k
2021: €14k
2022: €-5k
2023: €-22k
2024: €-155
2018 → 2025
Working capital
€-218k▲ 8.7%
2024 · €-239k
2018: €28k
2019: €-206k
2020: €-101k
2021: €-187k
2022: €-182k
2023: €-248k
2024: €-239k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€110k▼ 4.0%€88k▼ 19.9%€88k▼ 0.2%€100k▲ 13.7%
Operating result€24k-€5k▼ 80.8%€-142€3k€19k▲ 581%
Net result€14k-€-5k€-22k▼ 379%€-155▲ 99.3%€12k
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 581% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €365k
Fixed assets
€327k▼ 8.1%
Current assets
€38k▲ 7.6%
Equity and liabilities €365k
Equity
€100k▲ 13.7%
Debt
€265k▼ 12.7%
The debt ratio falls from 77.4% to 72.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€51k▲
2024 · €38k
Cash flow
€45k▲
2024 · €35k
Solvency
27.5%▲
2024 · 22.6%
Current ratio
0.15▲
2024 · 0.13
Quick ratio
0.15▲
2024 · 0.13
Debt / equity
2.64▼
2024 · 3.43
ROE
12.0%▲
2024 · -0.2%
ROA
3.3%▲
2024 · 0.0%
Interest coverage
71.14▲
2024 · 38.27
Debt
€265k▼
2024 · €303k
Debt ≤ 1 year
€256k▼
2024 · €274k
Debt > 1 year
€7k▼
2024 · €27k
Income taxes
€6k▲
2024 · €2k
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€391k€365k▼
Fixed assets21/28€357k€327k▼
Tangible fixed assets22/27€357k€327k▼
Land and buildings22€314k€298k▼
Furniture and vehicles24€43k€30k▼
Current assets29/58€35k€38k▲
Amounts receivable within one year40/41€9k€19k▲
Trade receivables40€5k€15k▲
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€23k€14k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€391k€365k▼
Equity10/15€88k€100k▲
Contributions10/11€8k€8k=
Reserves13€92k€92k=
Distributable reserves133€92k€92k=
Profit (loss) carried forward14€-12k€-107▲
Amounts payable17/49€303k€265k▼
Amounts payable after more than one year17€27k€7k▼
Financial debts170/4€27k€7k▼
Amounts payable within one year42/48€274k€256k▼
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€5k€10k▲
Suppliers440/4€5k€10k▲
Taxes, remuneration and social security45€15k€9k▼
Taxes450/3€15k€9k▼
Other amounts payable47/48€233k€216k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€32k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€40k€54k▲
Operating profit (loss)9901€3k€19k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€982€720▼
Recurring financial charges65€982€720▼
Profit (loss) for the period before taxes9903€2k€18k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€-155€12k▲
Profit (loss) for the period to be appropriated9905€-155€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-107▲
Profit (loss) brought forward from the previous period14P€-12k€-12k▼
The notes to these accounts (10 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €100k ▲13.7%
Equity rises from €88k to €100k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €101k ▲14.7%
3 profitable years in a row build equity to €101k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Brussel · 2 establishment units since 2009
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.
Akenkaai 691000 BrusselGround area
2.2 ha
Building footprint
1,924 m²
Volume, LiDAR
34,013 m³
2 parcels, Brussels, Flanders · tallest building 29.3 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
Soft4U
since 20092.178.475.587
Soft4U
since 20252.372.610.102
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21814P0404/00A006 | Brussels | 1.2 ha | 1 · 1,209 m² | 29.3 m · 8 fl. |
| 24020B0282/00W002 | Flanders | 9,929 m² | 1 · 715 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2025 · 1 entry · 870 EUR awarded · 870 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 870 EUR | 870 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 15,512 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2009
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:soft4ubvba@gmail.com
Phone:0486571902