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Complete company report
Generated 23-08-2026
Active BE 0438.958.553Private limited company

Soins Informatiques divers

Av.de la Gr.Boucle 10 ·1420 Braine-l'Alleud, Belgium· 36 yrs active
Sector: Detailhandel in ICT-apparatuur (47400)
Conclusion Checked

The computed 12-month bankruptcy probability of Soins Informatiques divers is 0.9% (low). The 2024 annual accounts show negative equity (€-594k) and a net result of €21k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 5% of 6722 sector peers (fiscal year 2024). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €-594k
Net result €21k
Better than sector 5%
Active 36 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health8Profitability0Solvency33Growth58Stability100
40 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 8
Profitability 0
Solvency 33
Growth 58
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.9% Low
0%0,5%1,5%4%10%≥25%
Long track record −Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1989, 36 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
8 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 28-07-2025 with the NBB · fiscal year 2024 · micro
€-800k€-600k€-400k€-200k€0Operating result 2020: €-39k€-39kNet result 2020: €-705k€-705kOperating result 2021: €-1k€-1kNet result 2021: €-1k€-1kOperating result 2022: €42k€42kNet result 2022: €30k€30kOperating result 2023: €24k€24kNet result 2023: €23k€23kOperating result 2024: €22k€22kNet result 2024: €21k€21k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 7 fiscal years (±0.5%/year).
€-700k€-650k€-600k€-550k2025: €-610k (€-657k - €-562k)2026: €-607k (€-664k - €-550k)2027: €-604k (€-683k - €-525k)2018: €-577k2019: €-627k2020: €-667k2021: €-668k2022: €-639k2023: €-616k2024: €-594k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -355.6% 20.4%
better than 5% of 6722 sector peers
Net result €21k €4k
better than 76% of 6703 sector peers
Equity €-594k €16k
better than 5% of 6737 sector peers
Gross operating margin €55k €24k
better than 68% of 6682 sector peers
Total assets €167k €94k
better than 66% of 6726 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€53k
+9.7% 18-24
Net profit
€21k
-6.5% 18-24
Cash flow
€52k
+9.7% 18-24
Total assets
€167k
+8.7% 18-24
Equity
€-594k
+3.5% 18-24
Working capital
€-682k
+7.1% 18-24
Income taxes
€714
+10.3% 18-24
Debt
€762k
-1.0% 18-24
Show 8 other metrics
Debt ≤ 1y
€762k
-1.0% 18-24
Current ratio
0.10
+127.5% 18-24
Quick ratio
0.10
+127.5% 18-24
Solvency
-355.6%
+11.2% 18-24
Debt / equity
-1.28
-2.5% 18-24
ROE
-3.6%
+3.2% 18-24
ROA
12.8%
-14.0% 18-24
Interest coverage
277.25
+9.6% 18-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€53k
Net profit€21k
Cash flow€52k
Staff costs-
Income taxes€714
Dividends-
Total assets€167k
Equity€-594k
Debt€762k
of which ≤ 1y€762k
of which > 1y-
Working capital€-682k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.10
Quick ratio0.10
Working capital ratio-408.1%
Solvency-355.6%
Debt / equity-1.28
Long-term debt ratio-
Interest coverage277.25
Gross margin-
Net margin-
ROA12.8%
ROE-3.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€167k
Fixed assets 21/28€88k
Tangible fixed assets 22/27€88k
Current assets 29/58€79k
Amounts receivable within one year 40/41€41k
Cash & bank 54/58€37k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€167k
Equity 10/15€-594k
Contributions / capital 10/11€19k
Reserves 13€19k
Accumulated profits (losses) 14€-632k
Amounts payable 17/49€762k
Amounts payable within one year 42/48€762k
Income statement
Gross operating margin 9900€55k
Operating result 9901€22k
Financial charges 65€191
Result before taxes 9903€22k
Income taxes 67/77€714
Net result for the period 9904€21k
Result to be appropriated 9905€21k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Former directors (1)
  • Pierre Loverius
    Managing director
    State Gazette act 23026740 (23-02-2023)
    Former
    23-02-2023 → 04-09-2024
    2 events
    • 04-09-2024 Resigned· Director
    • 23-02-2023 Appointed· Managing director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Detailhandel in ICT-apparatuur(47400)
Legal form Private limited company(610)
Incorporation24-10-1989
StatusActive
Postal code1420
Establishment units 1 location
LE BELVEDERE
Lange Haagstraat 21, 1630 LinkebeekRust- en verzorgingstehuizen
since 19912.051.554.552
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
22003C0129/00R000 Flanders 2,862 m² 1 · 298 m² 17.4 m · 4 fl.
Methodology
via establishment units: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
28-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
04-09-2024
State Gazette act Director changes
27-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
29-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
23-02-2023
State Gazette act Director changes
2022
29-11-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
31-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
31-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
18-10-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
31-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
31-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
30-08-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2024
04-09-2024 Pierre Loverius resigns as director Director changes
  • Pierre Loverius, Bestuurder
Technical details 
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  "events": [
    {
      "kind": "director_out",
      "role": "administrateur",
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        "name": "Pierre Loverius",
        "address": "Avenue de la Grande Boucle 10 - 1420 Braine-l\u0027Alleud",
        "birth_date": null,
        "profession": null,
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "La d\u00E9mission de monsieur Pierre Loverius, domicili\u00E9 Avenue de la Grande Boucle 10 - 1420 Braine-l\u0027Alleud, comme administrateur et administrateur d\u00E9l\u00E9gu\u00E9 est accept\u00E9e. Il est d\u00E9charg\u00E9 de toute responsabilit\u00E9 pour l\u0027exercice de ses fonctions jusqu\u0027\u00E0 pr\u00E9sent.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "decharge_granted",
      "role": "administrateur",
      "person": {
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        "name": "Pierre Loverius",
        "address": "Avenue de la Grande Boucle 10 - 1420 Braine-l\u0027Alleud",
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      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Il est d\u00E9charg\u00E9 de toute responsabilit\u00E9 pour l\u0027exercice de ses fonctions jusqu\u0027\u00E0 pr\u00E9sent.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2024-09-04",
    "filing_date": "2024-07-17",
    "act_kind_objet": "D\u00C9MISSION ADMINSTRATEUR"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2024-07-17",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0438.958.553",
    "name_full": "Soci\u00E9t\u00E9 \u00E0 Resposabilit\u00E9 Limit\u00E9e",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Nadine Dupont",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur d\u00E9l\u00E9gu\u00E9"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
23-02-2023 1 director appointed, 1 reappointed Director changes
  • Pierre Loverius, Gedelegeerd bestuurder
  • Nadine Dupont, Gedelegeerd bestuurder
Technical details 
{
  "events": [
    {
      "kind": "substantive_delegation",
      "role": "administrateur_d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "Andr\u00E9 Corbusier",
        "address": "Avenue des Becasses 21 - 1640 Rhode-Saint-Gen\u00E8se",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "La d\u00E9mission de monsieur Andr\u00E9 Corbusier, domicili\u00E9 Avenue des Becasses 21 - 1640 Rhode-Saint-Gen\u00E8se comme administrateur est accept\u00E9e. Il est d\u00E9charg\u00E9 de toute responsabilit\u00E9 pour l\u0027exercice de ses fonctions jusqu\u0027\u00E0 pr\u00E9sent.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_renew",
      "role": "administrateur_d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "Nadine Dupont",
        "address": "Avenue de la Grande Boucle 10 - 1420 Braine-l\u0027Alleud",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "La r\u00E9\u00E9lection de madame Nadine Dupont, domicili\u00E9e Avenue de la Grande Boucle 10 - 1420 Braine-l\u0027Alleud,! comme administrateur d\u00E9l\u00E9gu\u00E9 est accept\u00E9e. Elle accepte sont mandat qui ne sera pas r\u00E9mun\u00E9r\u00E9, sauf d\u00E9cision contraire de l\u0027assembl\u00E9e g\u00E9n\u00E9rale.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2028"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "administrateur_d\u00E9l\u00E9gu\u00E9",
      "person": {
        "rrn": null,
        "name": "Pierre Loverius",
        "address": "Avenue de la Grande Boucle 10- 1420 Braine-l\u0027Alleud",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": false,
      "effective_date": null,
      "evidence_quote": "L\u0027\u00E9lection comme administrateur et administrateur d\u00E9l\u00E9gu\u00E9 de monsieur Pierre Loverius, domicili\u00E9e Avenue de la Grande Boucle 10- 1420 Braine-l\u0027Alleud est accept\u00E9e. Monsieur Pierre Loverius accepte sont mandat qui ne sera pas r\u00E9mun\u00E9r\u00E9, sauf d\u00E9cision contraire de l\u0027assembl\u00E9e g\u00E9n\u00E9rale.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2028"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "administrateur_d\u00E9l\u00E9gu\u00E9",
      "person": null,
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Tous acceptent leur mandat, lequel prendra fin lors de l\u0027assembl\u00E9e g\u00E9n\u00E9rale de l\u0027ann\u00E9e 2028.",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "until_agm_year",
        "value": "2028"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxelles",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2022-10-31",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2022-10-31",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0438.958.553",
    "name_full": "SOINS INFIRMIERS DIVERS",
    "legal_form": "Soci\u00E9t\u00E9 Coop\u00E9rative"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Nadine Dupont",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur d\u00E9l\u00E9gu\u00E9"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in ICT-apparatuur47400Detailhandel in computers, randapparatuur en software in gespecialiseerde winkels47410
Primary activity highlighted.
Names & trade names
Legal nameFR Soins Informatiques divers
AbbreviationFR SID
Registered office
Av.de la Gr.Boucle 10
1420 Braine-l'Alleud, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative