Summary
SOMAVAL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.9m and a net result of €240,368. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 8094 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-02-2026, 9 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
9 d late
2024
3 d late
2023
56 d early
2022
50 d early
2021
54 d early
2020
6 d early
2019
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 12 December (4 of the last 5 filed years within 53 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€2.9m▲ 4.0%
2024 · €2.8m
Net result
€240,368▲ 114%
2024 · €112,158
Total assets
€5.4m▼ 5.4%
2024 · €5.7m
Solvency
54.1%▲ 4.9pp
2024 · 49.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€188,108▲ 26.0%€326,661▲ 73.7%€318,321▼ 2.6%€262,076▼ 17.7%€334,240▲ 27.5%
Net result€95,235above the sector's middle half▲ 51.3%€185,816above the sector's middle half▲ 95.1%€161,551above the sector's middle half▼ 13.1%€112,158above the sector's middle half▼ 30.6%€240,368above the sector's middle half▲ 114%
Equity€2.3mabove the sector's middle half▲ 4.3%€2.5mabove the sector's middle half▲ 8.0%€2.7mabove the sector's middle half▲ 6.4%€2.8mabove the sector's middle half▲ 4.2%€2.9mabove the sector's middle half▲ 4.0%
Total assets€4.6mabove the sector's middle half▲ 28.3%€5.2mabove the sector's middle half▲ 12.8%€5.9mabove the sector's middle half▲ 13.6%€5.7mabove the sector's middle half▼ 3.6%€5.4mabove the sector's middle half▼ 5.4%
Debt€2.3m▲ 68.3%€2.7m▲ 17.7%€3.2m▲ 20.4%€2.9m▼ 10.1%€2.5m▼ 14.5%
Working capital€2.3mabove the sector's middle half▲ 96.5%€1.9mabove the sector's middle half▼ 15.1%€2.8mabove the sector's middle half▲ 45.2%€2.6mabove the sector's middle half▼ 6.4%€1.9mabove the sector's middle half▼ 26.5%
Solvency50.8%within the sector's middle half▼ 11.7pp48.6%within the sector's middle half▼ 2.2pp45.5%within the sector's middle half▼ 3.1pp49.2%within the sector's middle half▲ 3.7pp54.1%within the sector's middle half▲ 4.9pp
Current ratio19.79above the sector's middle half▲ 10.288.97above the sector's middle half▼ 10.8112.85above the sector's middle half▲ 3.8713.72above the sector's middle half▲ 0.885.35above the sector's middle half▼ 8.37
Return on assets (ROA)2.1%within the sector's middle half▲ 0.3pp3.6%within the sector's middle half▲ 1.5pp2.7%within the sector's middle half▼ 0.8pp2.0%within the sector's middle half▼ 0.8pp4.5%within the sector's middle half▲ 2.5pp
Staff (FTE)1▲ 100%1=1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.4m
Fixed assets
€3.0m ▲ 5.4%
Current assets
€2.4m ▼ 16.2%
Equity and liabilities €5.4m
Equity
€2.9m ▲ 4.0%
Debt
€2.5m ▼ 14.5%
Debt's share of the balance-sheet total falls from 50.8% to 45.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
8.3%▲
2024 · 4.0%
Debt ≤ 1 year
€445,010▲
2024 · €207,006
Debt > 1 year
€2.0m▼
2024 · €2.7m
Income taxes
€81,566▲
2024 · €55,607
Staff costs
€65,302▼
2024 · €66,836
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €54,832 | €56,494 | €66,836 | €65,302 | ▼ 2.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,817 | €5,341 | €1,391 | €2,375 | €3,525 | ▲ 48.4% |
| Other operating charges640/8 | - | €1,910 | €2,010 | €5,497 | €3,198 | ▼ 41.8% |
| Gross operating margin9900 | €253,869 | €388,745 | €378,216 | €336,784 | €406,266 | ▲ 20.6% |
| Operating profit (loss)9901 | €188,108 | €326,661 | €318,321 | €262,076 | €334,240 | ▲ 27.5% |
| Financial income75/76B | - | €30,510 | €61,692 | €84,528 | €139,444 | ▲ 65.0% |
| Recurring financial income75 | €16,243 | €30,510 | €61,692 | €84,528 | €79,444 | ▼ 6.0% |
| Non-recurring financial income76B | - | - | - | - | €60,000 | - |
| Financial charges65/66B | - | €86,975 | €141,363 | €178,839 | €151,750 | ▼ 15.1% |
| Recurring financial charges65 | €51,815 | €86,975 | €141,363 | €178,839 | €151,750 | ▼ 15.1% |
| Profit (loss) for the period before taxes9903 | €135,576 | €270,196 | €238,649 | €167,765 | €321,935 | ▲ 91.9% |
| Income taxes67/77 | €40,341 | €84,380 | €77,098 | €55,607 | €81,566 | ▲ 46.7% |
| Profit (loss) for the period9904 | €95,235 | €185,816 | €161,551 | €112,158 | €240,368 | ▲ 114% |
| Profit (loss) for the period to be appropriated9905 | €95,235 | €185,816 | €161,551 | €112,158 | €240,368 | ▲ 114% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.6m | €5.2m | €5.9m | €5.7m | €5.4m | ▼ 5.4% |
| Fixed assets21/28 | €2.2m | €3.0m | €2.8m | €2.8m | €3.0m | ▲ 5.4% |
| Intangible fixed assets21 | - | - | - | - | €2,070 | - |
| Tangible fixed assets22/27 | €80,099 | €77,879 | €78,153 | €78,087 | €78,393 | ▲ 0.4% |
| Land and buildings22 | - | €75,000 | €75,000 | €75,000 | €75,000 | = |
| Furniture and vehicles24 | - | €2,879 | €3,153 | €3,087 | €3,393 | ▲ 9.9% |
| Financial fixed assets28 | €2.1m | €2.9m | €2.8m | €2.8m | €2.9m | ▲ 5.4% |
| Current assets29/58 | €2.4m | €2.2m | €3.1m | €2.8m | €2.4m | ▼ 16.2% |
| Amounts receivable after more than one year29 | - | €1.5m | €1.4m | €1.3m | €1.3m | ▼ 3.4% |
| Other amounts receivable291 | - | €1.5m | €1.4m | €1.3m | €1.3m | ▼ 3.4% |
| Amounts receivable within one year40/41 | €460,643 | €640,744 | €103,730 | €238,094 | €349,374 | ▲ 46.7% |
| Trade receivables40 | - | €637,919 | €100,592 | €216,638 | €349,275 | ▲ 61.2% |
| Other amounts receivable41 | - | €2,825 | €3,138 | €21,455 | €100 | ▼ 99.5% |
| Cash at bank and in hand54/58 | €1.4m | €62,852 | €1.6m | €1.3m | €738,022 | ▼ 42.7% |
| Deferred charges and accrued income490/1 | - | €3,504 | €4,552 | €592 | €23,393 | ▲ 3,854% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.6m | €5.2m | €5.9m | €5.7m | €5.4m | ▼ 5.4% |
| Equity10/15 | €2.3m | €2.5m | €2.7m | €2.8m | €2.9m | ▲ 4.0% |
| Contributions10/11 | €2.1m | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Capital10 | - | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Issued capital100 | - | €2.1m | €2.1m | €2.1m | €2.1m | = |
| Reserves13 | €232,255 | €418,070 | €579,622 | €691,780 | €806,008 | ▲ 16.5% |
| Non-distributable reserves130/1 | - | €418,070 | €426,148 | €432,286 | €315,876 | ▼ 26.9% |
| Legal reserve130 | - | €12,650 | €20,727 | €26,865 | €40,037 | ▲ 49.0% |
| Other1319 | - | €405,421 | €405,421 | €405,421 | €275,839 | ▼ 32.0% |
| Distributable reserves133 | - | - | €153,474 | €259,494 | €490,132 | ▲ 88.9% |
| Profit (loss) carried forward14 | €3,442 | €3,442 | €3,442 | €3,442 | - | - |
| Amounts payable17/49 | €2.3m | €2.7m | €3.2m | €2.9m | €2.5m | ▼ 14.5% |
| Amounts payable after more than one year17 | €2.1m | €2.4m | €3.0m | €2.7m | €2.0m | ▼ 24.3% |
| Other amounts payable178/9 | - | €2.4m | €3.0m | €2.7m | €2.0m | ▼ 24.3% |
| Amounts payable within one year42/48 | €121,607 | €243,169 | €237,640 | €207,006 | €445,010 | ▲ 115% |
| Trade debts44 | €38,156 | €22,786 | €16,990 | €43,070 | €24,336 | ▼ 43.5% |
| Suppliers440/4 | - | €22,786 | €16,990 | €43,070 | €24,336 | ▼ 43.5% |
| Taxes, remuneration and social security45 | - | €155,800 | €127,417 | €42,490 | €66,190 | ▲ 55.8% |
| Taxes450/3 | - | €147,908 | €114,819 | €25,296 | €54,506 | ▲ 115% |
| Remuneration and social security454/9 | - | €7,892 | €12,598 | €17,194 | €11,684 | ▼ 32.0% |
| Other amounts payable47/48 | - | €64,584 | €93,233 | €121,446 | €354,484 | ▲ 192% |
| Accrued charges and deferred income492/3 | - | - | - | €6,325 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €95,235 | €185,816 | €161,551 | €112,158 | €240,368 | ▲ 114% |
| + Depreciation and write-downs630 | €13,817 | €5,341 | €1,391 | €2,375 | €3,525 | ▲ 48.4% |
| Operating cash flow (approximation) | €109,053 | €191,157 | €162,942 | €114,533 | €243,894 | ▲ 113% |
| Investment in fixed assets (approximation) | - | -€816,710 | €163,335 | -€2,309 | -€155,901 | ▼ 6,651% |
| Change in cash | - | -€1.3m | €1.5m | -€302,488 | -€549,055 | ▼ 81.5% |
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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
30-06
Financial
Highest result since 2019net €240,368 ▲114%
Operating result €334,240, net result €240,368, both a record.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2023
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
08-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 19.79
Current ratio from 9.51 to 19.79; short-term debt falls from €136,597 to €121,607.
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · full 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, Fleurus · 1 establishment unit since 2016
Ground area
2.8 ha
Building footprint
3,740 m²
Volume, LiDAR
4,780 m³
2 parcels, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SOMAVAL
since 20162.256.826.645
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52021C0317/00A007 | Wallonia | 2.6 ha | 1 · 2,978 m² | - |
| 52021C0318/00X006 | Wallonia | 2,332 m² | 1 · 761 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
4 holdingsOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 4
-
100%
-
100%
-
99.73%
-
99.73%
According to the annual accounts to 30-06-2025 of SOMAVAL and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 9,811 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded01-09-2016
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0661905828
Also
9925:BE0661905828
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.