SOMERDI
ActiveSOMERDI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €-14k. Equity is shrinking by ~19.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 12% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency19▼-14
Growth32=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.16 against 1.39 in 2024), and 93.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.1%
Return on assets
-31.4%
Age of the figures
15 mo
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 fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€14k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 27407 sector peers (2025).
NBB · sector comparisonPosition among 27407 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-02-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
51 d early
2023
106 d late
2022
49 d early
2021
45 d early
2020
39 d early
2019
53 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 83.7%
2024 · €17k
2019: €106k
2020: €94k
2021: €94k
2022: €101k
2023: €50k
2024: €17k
2019 → 2025
Total assets
€44k▼ 47.1%
2024 · €83k
2019: €133k
2020: €158k
2021: €151k
2022: €176k
2023: €116k
2024: €83k
2019 → 2025
Net result
€-14k▲ 58.8%
2024 · €-34k
2019: €6k
2020: €-12k
2021: €248
2022: €7k
2023: €-51k
2024: €-34k
2019 → 2025
Working capital
€6k▼ 72.3%
2024 · €21k
2019: €119k
2020: €94k
2021: €105k
2022: €127k
2023: €56k
2024: €21k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€101k▲ 7.1%€50k▼ 50.5%€17k▼ 67.0%€3k▼ 83.7%
Operating result€1k-€9k▲ 533%€-50k€-32k▲ 35.2%€-12k▲ 63.9%
Net result€248-€7k▲ 2,606%€-51k€-34k▲ 34.2%€-14k▲ 58.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €32k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€4k▼ 61.0%
Current assets
€40k▼ 45.3%
Equity and liabilities €44k
Equity
€3k▼ 83.7%
Debt
€41k▼ 38.0%
The debt ratio rises from 80.2% to 93.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-6k▲
2024 · €-27k
Cash flow
€-8k▲
2024 · €-28k
Solvency
6.1%▼
2024 · 19.8%
Current ratio
1.16▼
2024 · 1.39
Quick ratio
1.16▼
2024 · 1.39
Debt / equity
15.34▲
2024 · 4.04
ROE
-512.9%▼
2024 · -203.0%
ROA
-31.4%▲
2024 · -40.3%
Interest coverage
-2.61▲
2024 · -14.17
Debt
€41k▼
2024 · €67k
Debt ≤ 1 year
€35k▼
2024 · €53k
Debt > 1 year
€7k▼
2024 · €14k
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€83k€44k▼
Fixed assets21/28€10k€4k▼
Intangible fixed assets21€929-
Tangible fixed assets22/27€9k€4k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€4k-
Current assets29/58€74k€40k▼
Amounts receivable within one year40/41€72k€40k▼
Trade receivables40€40k€40k=
Other amounts receivable41€33k€808▼
Cash at bank and in hand54/58€2k-
Equity and liabilities
Total equity and liabilities10/49€83k€44k▼
Equity10/15€17k€3k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€15k€15k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Other1319-€2k
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€-17k€-31k▼
Amounts payable17/49€67k€41k▼
Amounts payable after more than one year17€14k€7k▼
Financial debts170/4€14k€7k▼
Amounts payable within one year42/48€53k€35k▼
Current portion of amounts payable after more than one year42€14k€9k▼
Financial debts43€8k€206▼
Credit institutions430/8€8k€206▼
Trade debts44€18k€8k▼
Suppliers440/4€18k€8k▼
Other amounts payable47/48€13k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€527€268▼
Non-recurring operating charges66A€17k-
Gross operating margin9900€-9k€-5k▲
Operating profit (loss)9901€-32k€-12k▲
Financial income75/76B€504-
Recurring financial income75€504-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-34k€-14k▲
Profit (loss) for the period9904€-34k€-14k▲
Profit (loss) for the period to be appropriated9905€-34k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-31k▲
Profit (loss) brought forward from the previous period14P-€-17k
Transfer from equity791/2€17k-
The notes to these accounts (8 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
20-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 106 days late
2023
30-06
Financial
Weakest financial yearnet €-51k ▼861%
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €7k ▲2606%
Operating result €9k, net result €7k, both a record.
30-06
Financial
Equity above €100kEq €101k ▲7.1%
2 profitable years in a row build equity to €101k.
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €248
Net result €248 after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 6.30
Current ratio from 2.48 to 6.30; short-term debt falls from €63k to €20k.
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bornem · 1 establishment unit since 2011
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.
Schoonaardestraat(EIK) 52880 BornemGround area
299 m²
Building footprint
87 m²
Volume, LiDAR
464 m³
Parcel 12015D0338/00C000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SOMERDI
since 20112.207.628.245
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015D0338/00C000 | Flanders | 299 m² | 1 · 87 m² | 8.1 m · 2 fl. |
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.
Similar companies · same sector, comparable size
KB 2010
BE 0781.718.347
Dendermonde · Eq €3k
RELECS
BE 0783.228.082
Pelt · Eq €3k
ELECTRIC ISLAND
BE 0810.738.470
Huldenberg · Eq €3k
Keen-ELEK
BE 0735.616.128
Heusden-Zolder · Eq €3k
Information Guidance & Technology
BE 0839.638.136
Balen · Eq €3k
Of 22,729 companies in sector 43211 we hold annual accounts for 10,274. 2,338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-11-2011
Fiscal year end30-06
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
46471Wholesale trade
46499Wholesale of other household goods
47551Retail sale of household furniture
47552Retail sale of lighting equipment
47591Retail trade
47592Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.