SOLVIA
ActiveSummary
SOLVIA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €-18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 58% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability6▼-66
Solvency89▲+37
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.73 against 1.36 in 2024; short-term debt: 36.3% and cash: 82.5% of total assets), and 36.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 24-07-2026, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
7 d early
2024
28 d late
2023
23 d late
2022
41 d early
2021
12 d early
2020
37 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▼ 41.3%
2024 · €189k
2020: €201k
2021: €407k▲ +103% vs 2020
2022: €605k▲ +48.5% vs 2021
2023: €751k▲ +24.1% vs 2022highest in 6 years
2024: €189k▼ -74.9% vs 2023
2025: €111k▼ -41.3% vs 2024lowest in 6 years
2020 → 2025
Total assets
€174k▼ 74.7%
2024 · €687k
2020: €309k
2021: €534k▲ +72.8% vs 2020
2022: €732k▲ +37.2% vs 2021
2023: €752k▲ +2.7% vs 2022highest in 6 years
2024: €687k▼ -8.7% vs 2023
2025: €174k▼ -74.7% vs 2024lowest in 6 years
2020 → 2025
Net result
€-18k
2024 · €18k
2020: €200k
2021: €207k▲ +3.5% vs 2020highest in 6 years
2022: €198k▼ -4.4% vs 2021
2023: €146k▼ -26.1% vs 2022
2024: €18k▼ -87.9% vs 2023
2025: €-18k▼ -201% vs 2024lowest in 6 years
2020 → 2025
Working capital
€109k▼ 39.7%
2024 · €181k
2020: €167k
2021: €381k▲ +128% vs 2020
2022: €586k▲ +53.8% vs 2021
2023: €739k▲ +26.1% vs 2022highest in 6 years
2024: €181k▼ -75.5% vs 2023
2025: €109k▼ -39.7% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€407k-€605k▲ 48.5%€751k▲ 24.1%€189k▼ 74.9%€111k▼ 41.3%
2021: €407k
2022: €605k▲ +48.5% vs 2021
2023: €751k▲ +24.1% vs 2022highest in 5 years
2024: €189k▼ -74.9% vs 2023
2025: €111k▼ -41.3% vs 2024lowest in 5 years
Operating result€270k-€259k▼ 4.4%€190k▼ 26.6%€10k▼ 94.9%€-17k
2021: €270khighest in 5 years
2022: €259k▼ -4.4% vs 2021
2023: €190k▼ -26.6% vs 2022
2024: €10k▼ -94.9% vs 2023
2025: €-17k▼ -279% vs 2024lowest in 5 years
Net result€207k-€198k▼ 4.4%€146k▼ 26.1%€18k▼ 87.9%€-18k
2021: €207khighest in 5 years
2022: €198k▼ -4.4% vs 2021
2023: €146k▼ -26.1% vs 2022
2024: €18k▼ -87.9% vs 2023
2025: €-18k▼ -201% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174k
Fixed assets
€2k ▼ 79.6%
Current assets
€172k ▼ 74.7%
Equity and liabilities €174k
Equity
€111k ▼ 41.3%
Debt
€63k ▼ 87.4%
Debt's share of the balance-sheet total falls from 72.5% to 36.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-11k▼
2024 · €16k
Cash flow
€-12k▼
2024 · €24k
Current ratio
2.73▲
2024 · 1.36
Debt to equity
0.57▼
2024 · 2.64
ROE
-16.2%▼
2024 · 9.3%
ROA
-10.3%▼
2024 · 2.6%
Interest coverage
-51.71▼
2024 · 11.38
Debt ≤ 1 year
€63k▼
2024 · €498k
Income taxes
€207▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€687k€174k▼
Fixed assets21/28€7k€2k▼
Tangible fixed assets22/27€7k€1k▼
Furniture and vehicles24€7k€1k▼
Financial fixed assets28€425€425=
Current assets29/58€680k€172k▼
Amounts receivable within one year40/41€21k€26k▲
Trade receivables40€3k€15k▲
Other amounts receivable41€18k€11k▼
Current investments50/53€0-
Cash at bank and in hand54/58€656k€143k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€687k€174k▼
Equity10/15€189k€111k▼
Contributions10/11€1k€1k=
Reserves13€187k€107k▼
Distributable reserves133€187k€107k▼
Profit (loss) carried forward14€601€3k▲
Amounts payable17/49€498k€63k▼
Amounts payable within one year42/48€498k€63k▼
Trade debts44€3k€745▼
Suppliers440/4€3k€745▼
Taxes, remuneration and social security45-€207
Taxes450/3-€207
Other amounts payable47/48€496k€62k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€758€502▼
Gross operating margin9900€17k€-11k▼
Operating profit (loss)9901€10k€-17k▼
Financial income75/76B€18k€0▼
Recurring financial income75€18k€0▼
Financial charges65/66B€1k€222▼
Recurring financial charges65€1k€222▼
Profit (loss) for the period before taxes9903€26k€-18k▼
Income taxes67/77€8k€207▼
Profit (loss) for the period9904€18k€-18k▼
Profit (loss) for the period to be appropriated9905€18k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-17k▼
Profit (loss) brought forward from the previous period14P€978€601▼
Transfer from equity791/2€580k€80k▼
Transfer to equity691/2€18k€0▼
To other reserves6921€18k€0▼
Profit to be distributed694/7€580k€60k▼
Return on contributions (dividend)694€580k€60k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €7k | €7k | €6k | ▼ 9.0% |
| Other operating charges640/8 | €897 | €772 | €658 | €758 | €502 | ▼ 33.8% |
| Gross operating margin9900 | €279k | €267k | €198k | €17k | €-11k | ▼ 164% |
| Operating profit (loss)9901 | €270k | €259k | €190k | €10k | €-17k | ▼ 279% |
| Financial income75/76B | €27 | €169 | €226 | €18k | €0 | ▼ 100% |
| Recurring financial income75 | €27 | €169 | €226 | €18k | €0 | ▼ 100% |
| Financial charges65/66B | €212 | €257 | €121 | €1k | €222 | ▼ 84.5% |
| Recurring financial charges65 | €212 | €257 | €121 | €1k | €222 | ▼ 84.5% |
| Profit (loss) for the period before taxes9903 | €270k | €259k | €190k | €26k | €-18k | ▼ 168% |
| Income taxes67/77 | €64k | €61k | €44k | €8k | €207 | ▼ 97.5% |
| Profit (loss) for the period9904 | €207k | €198k | €146k | €18k | €-18k | ▼ 201% |
| Profit (loss) for the period to be appropriated9905 | €207k | €198k | €146k | €18k | €-18k | ▼ 201% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €534k | €732k | €752k | €687k | €174k | ▼ 74.7% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €27k | €19k | €12k | €7k | €2k | ▼ 79.6% |
| Tangible fixed assets22/27 | €26k | €19k | €12k | €7k | €1k | ▼ 84.4% |
| Furniture and vehicles24 | €26k | €19k | €12k | €7k | €1k | ▼ 84.4% |
| Financial fixed assets28 | €370 | €370 | €370 | €425 | €425 | = |
| Current assets29/58 | €507k | €713k | €740k | €680k | €172k | ▼ 74.7% |
| Amounts receivable within one year40/41 | €4k | €31k | €26k | €21k | €26k | ▲ 24.4% |
| Trade receivables40 | €0 | €20k | €18k | €3k | €15k | ▲ 400% |
| Other amounts receivable41 | €4k | €11k | €8k | €18k | €11k | ▼ 37.4% |
| Current investments50/53 | - | - | €500k | €0 | - | - |
| Cash at bank and in hand54/58 | €501k | €681k | €211k | €656k | €143k | ▼ 78.1% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €3k | €2k | ▼ 3.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €534k | €732k | €752k | €687k | €174k | ▼ 74.7% |
| Equity10/15 | €407k | €605k | €751k | €189k | €111k | ▼ 41.3% |
| Contributions10/11 | €1k | €1k | €1k | €1k | €1k | = |
| Reserves13 | €406k | €603k | €749k | €187k | €107k | ▼ 42.8% |
| Distributable reserves133 | €406k | €603k | €749k | €187k | €107k | ▼ 42.8% |
| Profit (loss) carried forward14 | €300 | €899 | €978 | €601 | €3k | ▲ 352% |
| Amounts payable17/49 | €127k | €128k | €1k | €498k | €63k | ▼ 87.4% |
| Amounts payable within one year42/48 | €127k | €128k | €1k | €498k | €63k | ▼ 87.4% |
| Trade debts44 | €3k | €3k | €1k | €3k | €745 | ▼ 74.0% |
| Suppliers440/4 | €3k | €3k | €1k | €3k | €745 | ▼ 74.0% |
| Taxes, remuneration and social security45 | €124k | €125k | €0 | - | €207 | - |
| Taxes450/3 | €124k | €125k | €0 | - | €207 | - |
| Other amounts payable47/48 | - | - | - | €496k | €62k | ▼ 87.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €207k | €198k | €146k | €18k | €-18k | ▼ 201% |
| + Depreciation and write-downs630 | €7k | €7k | €7k | €7k | €6k | ▼ 9.0% |
| Operating cash flow (approximation) | €214k | €205k | €153k | €24k | €-12k | ▼ 149% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-2k | €0 | ▲ 100% |
| Change in cash | - | €179k | €-469k | €444k | €-512k | ▼ 215% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.73
Current ratio from 1.36 to 2.73; short-term debt falls from €498k to €63k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity times 115current ratio 641.39
Current ratio from 5.59 to 641.39; short-term debt falls from €128k to €1k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €605k ▲48.5%
3 profitable years in a row build equity to €605k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €207k ▲3.5%
Operating result €270k, net result €207k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Namur · 1 establishment unit since 2020
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.
Pl. des Jardins de Baseilles(EP) 195101 NamurGround area
204 m²
Building footprint
187 m²
Volume, LiDAR
2,078 m³
Parcel 21019A0166/00T000, Brussels · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Horizonlaan 19, 1150 Sint-Pieters-Woluwe
since 20202.318.891.403
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0166/00T000 | Brussels | 204 m² | 1 · 187 m² | 14.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,768 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
E-mail
sjm@sophimat.comSint-Pieters-Woluwe
Phone
0475411991Sint-Pieters-Woluwe
Scores and ratios are computed by Checked and are not a credit decision.