Summary
SOMERS 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 €1.8m and a net result of €200,064. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 93% of 1505 sector peers (fiscal year 2025). The company has been active since 2001 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 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d early
2023
on the day
2022
61 d late
2021
61 d late
2020
92 d late
2019
122 d late
← 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 48 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#10 company by equity in Zandhoven, Finance and insurance sector#10 oldest company in Zandhoven, Finance and insurance sector
Equity
€1.8m▼ 10.3%
2024 · €2.0m
Net result
€200,064▼ 10.5%
2024 · €223,513
Total assets
€1.9m▼ 6.4%
2024 · €2.0m
Solvency
92.1%▼ 4.0pp
2024 · 96.1%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€790,529▲ 74.1%€368,120▼ 53.4%€177,569▼ 51.8%€323,155▲ 82.0%€306,406▼ 5.2%
Net result€540,611above the sector's middle half▲ 73.3%€271,853above the sector's middle half▼ 49.7%€162,200within the sector's middle half▼ 40.3%€223,513within the sector's middle half▲ 37.8%€200,064within the sector's middle half▼ 10.5%
Equity€1.9mabove the sector's middle half▼ 13.8%€2.2mabove the sector's middle half▲ 14.1%€2.0mabove the sector's middle half▼ 6.9%€2.0mabove the sector's middle half▼ 4.3%€1.8mabove the sector's middle half▼ 10.3%
Total assets€3.0mabove the sector's middle half▲ 17.7%€2.4mabove the sector's middle half▼ 19.6%€2.5mabove the sector's middle half▲ 3.7%€2.0mwithin the sector's middle half▼ 17.9%€1.9mabove the sector's middle half▼ 6.4%
Debt€1.1m▲ 257%€196,284▼ 81.3%€435,584▲ 122%€79,849▼ 81.7%€150,868▲ 88.9%
Working capital€747,098above the sector's middle half▼ 28.5%€985,889above the sector's middle half▲ 32.0%€887,493above the sector's middle half▼ 10.0%€926,423above the sector's middle half▲ 4.4%€723,181above the sector's middle half▼ 21.9%
Solvency64.7%within the sector's middle half▼ 23.7pp91.8%above the sector's middle half▲ 27.1pp82.5%above the sector's middle half▼ 9.4pp96.1%above the sector's middle half▲ 13.6pp92.1%above the sector's middle half▼ 4.0pp
Current ratio1.71within the sector's middle half▼ 4.346.02above the sector's middle half▲ 4.313.04within the sector's middle half▼ 2.9912.60above the sector's middle half▲ 9.567.60above the sector's middle half▼ 5.00
Return on assets (ROA)18.1%within the sector's middle half▲ 5.8pp11.4%within the sector's middle half▼ 6.8pp6.5%within the sector's middle half▼ 4.8pp11.0%within the sector's middle half▲ 4.4pp10.5%within the sector's middle half▼ 0.5pp
Staff (FTE)5.6within the sector's middle half6.3within the sector's middle half▲ 12.5%6.3within the sector's middle half=6.2within the sector's middle half▼ 1.6%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.9m
Fixed assets
€1.1m ▲ 4.2%
Current assets
€832,792 ▼ 17.2%
Equity and liabilities €1.9m
Equity
€1.8m ▼ 10.3%
Debt
€150,868 ▲ 88.9%
Debt's share of the balance-sheet total rises from 3.9% to 7.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
11.4%▼
2024 · 11.4%
Debt ≤ 1 year
€109,612▲
2024 · €79,849
Income taxes
€111,159▼
2024 · €113,240
Staff costs
€527,050▲
2024 · €481,049
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €14,500 | €14,500 | = |
| Remuneration, social security and pensions62 | €374,871 | €460,113 | €568,925 | €481,049 | €527,050 | ▲ 9.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €144,405 | €142,969 | €170,178 | €188,110 | €190,548 | ▲ 1.3% |
| Other operating charges640/8 | €7,276 | €7,154 | €8,703 | €7,529 | €8,329 | ▲ 10.6% |
| Gross operating margin9900 | €1.3m | €978,356 | €925,375 | €999,844 | €1.0m | ▲ 3.2% |
| Operating profit (loss)9901 | €790,529 | €368,120 | €177,569 | €323,155 | €306,406 | ▼ 5.2% |
| Financial income75/76B | €2,195 | €34,334 | €65,675 | €13,787 | €5,128 | ▼ 62.8% |
| Recurring financial income75 | €2,195 | €34,334 | €65,675 | €13,787 | €5,128 | ▼ 62.8% |
| Financial charges65/66B | €1,553 | €3,121 | €1,146 | €190 | €311 | ▲ 63.6% |
| Recurring financial charges65 | €1,553 | €3,121 | €1,146 | €190 | €311 | ▲ 63.6% |
| Profit (loss) for the period before taxes9903 | €791,171 | €399,332 | €242,098 | €336,752 | €311,223 | ▼ 7.6% |
| Income taxes67/77 | €250,560 | €127,479 | €79,898 | €113,240 | €111,159 | ▼ 1.8% |
| Profit (loss) for the period9904 | €540,611 | €271,853 | €162,200 | €223,513 | €200,064 | ▼ 10.5% |
| Profit (loss) for the period to be appropriated9905 | €540,611 | €271,853 | €162,200 | €223,513 | €200,064 | ▼ 10.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.0m | €2.4m | €2.5m | €2.0m | €1.9m | ▼ 6.4% |
| Fixed assets21/28 | €1.2m | €1.2m | €1.2m | €1.0m | €1.1m | ▲ 4.2% |
| Tangible fixed assets22/27 | €1.2m | €1.2m | €1.2m | €1.0m | €1.1m | ▲ 4.2% |
| Land and buildings22 | €879,077 | €829,247 | €772,881 | €725,799 | €762,497 | ▲ 5.1% |
| Plant, machinery and equipment23 | €176,549 | €141,480 | €124,555 | €93,203 | €59,157 | ▼ 36.5% |
| Furniture and vehicles24 | €123,828 | €241,791 | €261,677 | €212,695 | €253,606 | ▲ 19.2% |
| Leasing and similar rights25 | €0 | - | - | - | - | - |
| Current assets29/58 | €1.8m | €1.2m | €1.3m | €1.0m | €832,792 | ▼ 17.2% |
| Amounts receivable within one year40/41 | €0 | €33,221 | €112,623 | €115,492 | €41,270 | ▼ 64.3% |
| Trade receivables40 | - | €700 | €0 | €4,500 | €0 | ▼ 100% |
| Other amounts receivable41 | €0 | €32,521 | €112,623 | €110,992 | €41,270 | ▼ 62.8% |
| Current investments50/53 | €528,888 | €548,355 | €608,893 | €608,893 | €608,893 | = |
| Cash at bank and in hand54/58 | €1.2m | €569,939 | €569,911 | €248,367 | €147,227 | ▼ 40.7% |
| Deferred charges and accrued income490/1 | €28,935 | €30,658 | €31,651 | €33,520 | €35,402 | ▲ 5.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.0m | €2.4m | €2.5m | €2.0m | €1.9m | ▼ 6.4% |
| Equity10/15 | €1.9m | €2.2m | €2.0m | €2.0m | €1.8m | ▼ 10.3% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €1.9m | €2.2m | €2.0m | €1.9m | €1.7m | ▼ 10.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €1.9m | €2.2m | €2.0m | €1.9m | €1.7m | ▼ 10.3% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €1.1m | €196,284 | €435,584 | €79,849 | €150,868 | ▲ 88.9% |
| Amounts payable after more than one year17 | €0 | - | - | - | - | - |
| Financial debts170/4 | €0 | - | - | - | - | - |
| Amounts payable within one year42/48 | €1.1m | €196,284 | €435,584 | €79,849 | €109,612 | ▲ 37.3% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | - | - | - |
| Trade debts44 | €55,873 | €38,017 | €52,827 | €33,103 | €54,160 | ▲ 63.6% |
| Suppliers440/4 | €55,873 | €38,017 | €52,827 | €33,103 | €54,160 | ▲ 63.6% |
| Taxes, remuneration and social security45 | €145,102 | €157,477 | €83,571 | €37,371 | €46,075 | ▲ 23.3% |
| Taxes450/3 | €96,917 | €90,072 | €15,700 | €0 | - | - |
| Remuneration and social security454/9 | €48,184 | €67,404 | €67,871 | €37,371 | €46,075 | ▲ 23.3% |
| Other amounts payable47/48 | €851,119 | €790 | €299,185 | €9,376 | €9,376 | = |
| Accrued charges and deferred income492/3 | - | - | - | - | €41,256 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €540,611 | €271,853 | €162,200 | €223,513 | €200,064 | ▼ 10.5% |
| + Depreciation and write-downs630 | €144,405 | €142,969 | €170,178 | €188,110 | €190,548 | ▲ 1.3% |
| Operating cash flow (approximation) | €685,016 | €414,822 | €332,378 | €411,623 | €390,613 | ▼ 5.1% |
| Investment in fixed assets (approximation) | - | -€176,032 | -€116,774 | -€60,694 | -€234,111 | ▼ 286% |
| Change in cash | - | -€671,430 | -€28 | -€321,544 | -€101,140 | ▲ 68.5% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
05-05
State Gazette act
Registered officeRegistered-office move · Power of attorney3 facts ▸
State Gazette act
Registered office
Registered-office move · Power of attorney3 facts ▸
- General meeting, 09-03-2026
- Registered-office move, Pater Damiaanlaan 59, 2240 Zandhoven
- Power of attorney, Masure Accountantskantoor
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 12.60
Current ratio from 3.04 to 12.60; short-term debt falls from €435,584 to €79,849.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €162,200 ▼40.3%
Net result drops to €162,200, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 61 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 6.02
Current ratio from 1.71 to 6.02; short-term debt falls from €1.1m to €196,284.
31-12
Financial
Equity above €2mEq €2.2m ▲14.1%
5 profitable years in a row build equity to €2.2m.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
31-12
Financial
Highest result since 2018net €540,611 ▲73.3%
Operating result €790,529, net result €540,611, both a record.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 92 days late
Show earlier events
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Equity above €2mEq €2.2m ▲22.3%
2 profitable years in a row build equity to €2.2m.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zandhoven · 1 establishment unit since 2001
Ground area
2,152 m²
Building footprint
189 m²
Volume, LiDAR
1,514 m³
Parcel 11054B0226/00H002, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Pater Damiaanlaan 59, 2240 Zandhoven
since 20012.095.306.403
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11054B0226/00H002 | Flanders | 2,152 m² | 1 · 189 m² | 11.7 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 829 EUR awarded · 829 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 102 EUR | 102 EUR |
| 2024 | 1 | 99 EUR | 99 EUR |
| 2023 | 1 | 404 EUR | 404 EUR |
| 2022 | 1 | 224 EUR | 224 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
254900V6RYQUV9F65Z16
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 718 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
Founded11-01-2001
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473805111
Registered
02-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.