SOM DESIGN
ActiveSOM DESIGN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €371k and a net result of €-42k. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-11
Solvency61▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity short (current ratio 0.77 against 1.08 in 2024; short-term debt: 29.3% and cash: 1.7% of total assets), and 64% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
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 €-42k
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 22-04-2026, 100 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
100 d early
2024
25 d late
2023
1 d early
2022
49 d late
2021
31 d late
2020
31 d late
2019
69 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€371k▼ 10.3%
2024 · €413k
2018: €510k
2019: €532k
2020: €467k
2021: €520k
2022: €516k
2023: €448k
2024: €413k
2018 → 2025
Total assets
€1.03M▼ 3.7%
2024 · €1.07M
2018: €1.38M
2019: €1.36M
2020: €1.41M
2021: €1.53M
2022: €1.47M
2023: €1.23M
2024: €1.07M
2018 → 2025
Net result
€-42k▼ 23.1%
2024 · €-35k
2018: €-2k
2019: €22k
2020: €-66k
2021: €53k
2022: €-4k
2023: €-69k
2024: €-35k
2018 → 2025
Working capital
€-71k
2024 · €20k
2018: €359k
2019: €83k
2020: €11k
2021: €161k
2022: €151k
2023: €130k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€520k-€516k▼ 0.7%€448k▼ 13.3%€413k▼ 7.7%€371k▼ 10.3%
Operating result€62k-€7k▼ 88.5%€-53k€-25k▲ 52.5%€-67k▼ 167%
Net result€53k-€-4k€-69k▼ 1,764%€-35k▲ 49.7%€-42k▼ 23.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €67k in 2025 against €25k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€798k▼ 0.1%
Current assets
€231k▼ 14.2%
Equity and liabilities €1.03M
Equity
€371k▼ 10.3%
Provisions
€0▼ 100%
Debt
€658k▲ 6.9%
The debt ratio rises from 57.6% to 64.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-45k▼
2024 · €22k
Cash flow
€-21k▼
2024 · €12k
Solvency
36.0%▼
2024 · 38.7%
Current ratio
0.77▼
2024 · 1.08
Quick ratio
0.58▼
2024 · 0.77
Debt / equity
1.78▲
2024 · 1.49
ROE
-11.5%▼
2024 · -8.4%
ROA
-4.1%▼
2024 · -3.2%
Interest coverage
-2.95▼
2024 · 1.26
Debt
€658k▲
2024 · €616k
Debt ≤ 1 year
€301k▲
2024 · €249k
Debt > 1 year
€357k▼
2024 · €367k
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€1.07M€1.03M▼
Fixed assets21/28€799k€798k▼
Tangible fixed assets22/27€799k€798k▼
Land and buildings22€799k€798k▼
Furniture and vehicles24€106-
Financial fixed assets28€701€701=
Current assets29/58€269k€231k▼
Stocks and contracts in progress3€76k€55k▼
Stocks30/36€76k€55k▼
Amounts receivable within one year40/41€181k€155k▼
Trade receivables40€78k€53k▼
Other amounts receivable41€103k€103k▼
Cash at bank and in hand54/58€7k€18k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.03M▼
Equity10/15€413k€371k▼
Contributions10/11€19k€19k=
Reserves13€394k€352k▼
Tax-exempt reserves132€77k-
Distributable reserves133€318k€352k▲
Provisions and deferred taxes16€39k-
Deferred taxes168€39k-
Amounts payable17/49€616k€658k▲
Amounts payable after more than one year17€367k€357k▼
Financial debts170/4€367k€357k▼
Amounts payable within one year42/48€249k€301k▲
Current portion of amounts payable after more than one year42€53k€45k▼
Financial debts43€35k€140k▲
Credit institutions430/8€35k€140k▲
Trade debts44€113k€41k▼
Suppliers440/4€113k€41k▼
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€4k€2k▼
Remuneration and social security454/9€5k€12k▲
Other amounts payable47/48€40k€61k▲
Accrued charges and deferred income492/3-€350
Income statement
Code20242025
Non-recurring operating income76A€41k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€22k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€26k€-39k▼
Operating profit (loss)9901€-25k€-67k▼
Financial income75/76B€5k€30▼
Recurring financial income75€5k€30▼
Financial charges65/66B€17k€15k▼
Recurring financial charges65€17k€15k▼
Profit (loss) for the period before taxes9903€-37k€-82k▼
Transfer from deferred taxes780€3k€39k▲
Income taxes67/77€382-
Profit (loss) for the period9904€-35k€-42k▼
Transfer from tax-exempt reserves789€6k€77k▲
Profit (loss) for the period to be appropriated9905€-28k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€34k▲
Transfer from equity791/2€28k-
Transfer to equity691/2-€34k
To other reserves6921-€34k
The notes to these accounts (16 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-69k
Net result drops to €-69k, the lowest in the series; recovery starts the following year.
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 49 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
31-12
Financial
Equity above €500kEq €520k ▲11.4%
Equity rises from €467k to €520k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 86 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Diepenbeek · 1 establishment unit since 1996
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.
Nieuwstraat 763590 DiepenbeekGround area
2,086 m²
Building footprint
249 m²
Volume, LiDAR
163 m³
Parcel 71011I2421/00A000, Flanders · tallest building 9.5 m. Linked by address, not a title deed.
1 establishment unit
SOM DESIGN BVBA
since 19962.076.296.282
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011I2421/00A000 | Flanders | 2,086 m² | 1 · 249 m² | 9.5 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 525 EUR awarded · 525 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 525 EUR |
| 2023 | 1 | 525 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,005 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-1995
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.