SOFTWEL
ActiveSOFTWEL has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €525k and a net result of €-75k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 86% of 1408 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▲+5
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.18 against 4.36 in 2024; short-term debt: 23.2% and cash: 46.5% of total assets), and 23.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-75k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
68 d early
2022
97 d early
2021
75 d early
2020
87 d early
2019
101 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-75k▲ 38.5%
2024 · €-121k
2018: €3k
2019: €14k
2020: €-150k
2021: €130k
2022: €72k
2023: €99k
2024: €-121k
2018 → 2025
Working capital
€504k▼ 12.8%
2024 · €579k
2018: €631k
2019: €448k
2020: €295k
2021: €436k
2022: €524k
2023: €640k
2024: €579k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€552k-€624k▲ 13.0%€723k▲ 15.9%€602k▼ 16.8%€525k▼ 12.7%
Operating result€130k-€73k▼ 44.2%€99k▲ 35.6%€-122k€-76k▲ 38.2%
Net result€130k-€72k▼ 44.6%€99k▲ 38.0%€-121k€-75k▲ 38.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €76k in 2025 against €122k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €684k
Fixed assets
€21k▼ 9.1%
Current assets
€663k▼ 11.7%
Equity and liabilities €684k
Equity
€525k▼ 12.7%
Debt
€158k▼ 7.9%
The debt ratio rises from 22.2% to 23.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-73k▲
2024 · €-119k
Cash flow
€-73k▲
2024 · €-118k
Solvency
76.8%▼
2024 · 77.8%
Current ratio
4.18▼
2024 · 4.36
Quick ratio
4.18▼
2024 · 4.36
Debt / equity
0.30▲
2024 · 0.29
ROE
-14.2%▲
2024 · -20.2%
ROA
-10.9%▲
2024 · -15.7%
Interest coverage
-395.14▲
2024 · -1860.12
Debt
€158k▼
2024 · €172k
Debt ≤ 1 year
€158k▼
2024 · €172k
Staff costs
€867k▲
2024 · €808k
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€774k€684k▼
Fixed assets21/28€23k€21k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€1k€837▼
Financial fixed assets28€19k€19k=
Current assets29/58€751k€663k▼
Amounts receivable within one year40/41€180k€320k▲
Trade receivables40€179k€319k▲
Other amounts receivable41€898€898=
Current investments50/53€148k€9k▼
Cash at bank and in hand54/58€407k€318k▼
Deferred charges and accrued income490/1€16k€17k▲
Equity and liabilities
Total equity and liabilities10/49€774k€684k▼
Equity10/15€602k€525k▼
Reserves13€415k€415k=
Profit (loss) carried forward14€187k€110k▼
Amounts payable17/49€172k€158k▼
Amounts payable within one year42/48€172k€158k▼
Trade debts44€36k€10k▼
Suppliers440/4€36k€10k▼
Taxes, remuneration and social security45€136k€149k▲
Taxes450/3€29k€31k▲
Remuneration and social security454/9€107k€118k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€265k€218k▼
Remuneration, social security and pensions62€808k€867k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€281€314▲
Non-recurring operating charges66A€64k-
Gross operating margin9900€754k€793k▲
Operating profit (loss)9901€-122k€-76k▲
Financial income75/76B€938€1k▲
Recurring financial income75€938€1k▲
Financial charges65/66B€64€186▲
Recurring financial charges65€64€186▲
Profit (loss) for the period before taxes9903€-121k€-75k▲
Profit (loss) for the period9904€-121k€-75k▲
Profit (loss) for the period to be appropriated9905€-121k€-75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€187k€110k▼
Profit (loss) brought forward from the previous period14P€308k€185k▼
Social balance
Average headcount (FTE)908710.310.2▼
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €130k
Net result €130k after one loss-making year.
31-12
Financial
Equity above €500kEq €552k ▲30.8%
Equity rises from €422k to €552k.
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-150k ▼1195%
Net result drops to €-150k, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 101 days late
2019
14-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-03
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
11 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, Rotselaar · 1 establishment unit since 2007
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.
Stationsstraat 1853110 RotselaarGround area
3,989 m²
Building footprint
836 m²
Volume, LiDAR
1,404 m³
Parcel 24094C0434/00K000, Flanders · tallest building 8.6 m. Linked by address, not a title deed.
1 establishment unit
SOFTWEL
since 20072.158.358.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24094C0434/00K000 | Flanders | 3,989 m² | 1 · 835 m² | 8.6 m |
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.
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Stor - it
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LOCALTOMORROW
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 5,389 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded26-09-1997
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.