Sol-Ami
ActiveSummary
Sol-Ami has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38,551 and a net result of €3,562. Equity is growing by about 34% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.5% (very low).
Overview
- Equity
- €38,551
- Profit
- €3,562
Why 81raises riskLiquidity: current ratio 0.01, cash €1,056Founded in 2020lowers riskSize: total assets €579,558No main activity registeredShow the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 20% on solvency, 22% on liquidity, 36% on profitability and 68% on growth.
The bankruptcy probability was computed on 22-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 5 accounts on average 20 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years
The operating result has fallen two years in a row; 2025 is 26% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 1,603 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 96.0% are still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,603 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €44,376 | €30,080 | €30,080 | €25,872 | €20,080 | ▼ 22.4% |
| Other operating charges640/8 | - | €5,924 | €3,485 | €3,690 | €3,948 | ▲ 7.0% |
| Gross operating margin9900 | €111,424 | €36,513 | €70,546 | €46,087 | €36,283 | ▼ 21.3% |
| Operating profit (loss)9901 | -€3,589 | €509 | €36,981 | €16,526 | €12,254 | ▼ 25.8% |
| Financial charges65/66B | - | €8,445 | €9,274 | €7,925 | €8,692 | ▲ 9.7% |
| Recurring financial charges65 | €14,794 | €8,445 | €9,274 | €7,925 | €8,692 | ▲ 9.7% |
| Profit (loss) for the period before taxes9903 | -€18,382 | -€7,937 | €27,707 | €8,601 | €3,562 | ▼ 58.6% |
| Profit (loss) for the period9904 | -€18,382 | -€7,937 | €27,707 | €8,601 | €3,562 | ▼ 58.6% |
| Profit (loss) for the period to be appropriated9905 | -€18,382 | -€7,937 | €27,707 | €8,601 | €3,562 | ▼ 58.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €695,944 | €635,544 | €640,256 | €598,582 | €579,558 | ▼ 3.2% |
| Fixed assets21/28 | €665,624 | €635,544 | €605,464 | €598,582 | €578,502 | ▼ 3.4% |
| Tangible fixed assets22/27 | €665,624 | €635,544 | €605,464 | €598,582 | €578,502 | ▼ 3.4% |
| Land and buildings22 | - | €619,752 | €599,672 | €598,582 | €578,502 | ▼ 3.4% |
| Furniture and vehicles24 | - | €15,792 | €5,792 | - | - | - |
| Current assets29/58 | €30,320 | - | €34,791 | - | €1,056 | - |
| Cash at bank and in hand54/58 | €22,211 | - | €34,791 | - | €1,056 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €695,944 | €635,544 | €640,256 | €598,582 | €579,558 | ▼ 3.2% |
| Equity10/15 | €6,618 | -€1,319 | €26,388 | €34,989 | €38,551 | ▲ 10.2% |
| Contributions10/11 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Profit (loss) carried forward14 | -€18,382 | -€26,319 | €1,388 | €9,989 | €13,551 | ▲ 35.7% |
| Amounts payable17/49 | €689,326 | €636,863 | €613,868 | €563,593 | €541,007 | ▼ 4.0% |
| Amounts payable after more than one year17 | €493,641 | €462,956 | €432,272 | €401,587 | €373,902 | ▼ 6.9% |
| Financial debts170/4 | - | €462,956 | €432,272 | €401,587 | €373,902 | ▼ 6.9% |
| Amounts payable within one year42/48 | €195,685 | €173,907 | €181,596 | €162,006 | €157,606 | ▼ 2.7% |
| Current portion of amounts payable after more than one year42 | - | €32,185 | €30,685 | €30,927 | €27,927 | ▼ 9.7% |
| Trade debts44 | - | €48,872 | €72,061 | €84,779 | €80,178 | ▼ 5.4% |
| Suppliers440/4 | - | €48,872 | €72,061 | €84,779 | €80,178 | ▼ 5.4% |
| Advances received on contracts in progress46 | - | - | - | €300 | €300 | = |
| Other amounts payable47/48 | - | €92,850 | €78,850 | €46,000 | €49,200 | ▲ 7.0% |
| Accrued charges and deferred income492/3 | - | - | - | - | €9,500 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€18,382 | -€7,937 | €27,707 | €8,601 | €3,562 | ▼ 58.6% |
| + Depreciation and write-downs630 | €44,376 | €30,080 | €30,080 | €25,872 | €20,080 | ▼ 22.4% |
| Operating cash flow (approximation) | €25,994 | €22,143 | €57,787 | €34,473 | €23,642 | ▼ 31.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€18,990 | €0 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (5)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-09-2025 | micro format | 04-04-2026 | 2026-00075810 |
| 30-09-2024 | micro format | 29-04-2025 | 2025-00086259 |
| 30-09-2023 | micro format | 29-04-2024 | 2024-00083139 |
| 30-09-2022 | micro format | 31-03-2023 | 2023-00050754 |
| 30-09-2021 | micro format | 21-03-2022 | 2022-08100130 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Schneider Walter |
|
| Schreurs Danny |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
05-04
Gazette deed
Resignation: Schreurs Danny (director)Appointment: Schneider Walter (director) · Director discharge4 facts ▸
- General meeting, 01-06-2022
- Director resignation, Schreurs Danny (director)
- Director discharge, Schreurs Danny
- Director appointment, Schneider Walter (director)
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 22 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 46016C0485/00Y002 | Flanders | 406 m² | 1 · 253 m² | 11.1 m · 2 |
How the parcels are linked
Articles of association
- Other provisionsOther rules from the articles that fall under none of the themes above.
- 1 more provision in the deed, see the deed of 05-04-2024
Read from the deeds: 1 provision, deed of 05-04-2024