SONI 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 €1.44M and a net result of €8k. Equity is growing by ~434.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 5521 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
3 d early
2024
8 d early
2023
1 d early
2022
32 d early
2021
4 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 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.44M▼ 21.4%
2024 · €1.83M
2021: €7k
2022: €6k
2023: €30k
2024: €1.83M
2021 → 2025
Net result
€8k▼ 99.7%
2024 · €3.07M
2021: €-3k
2022: €-832
2023: €24k
2024: €3.07M
2021 → 2025
Total assets
€1.84M▼ 27.2%
2024 · €2.53M
2021: €9k
2022: €8k
2023: €32k
2024: €2.53M
2021 → 2025
Solvency
78.0%▲ 5.7pp
2024 · 72.3%
2021: 80.8%
2022: 78.8%
2023: 94.6%
2024: 72.3%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€6k▼ 11.5%€30k▲ 370%€1.83M▲ 5,944%€1.44M▼ 21.4%
Operating result€-3k-€-787▲ 70.8%€-1k▼ 46.2%€3.07M€-36k
Net result€-3k-€-832▲ 69.6%€24k€3.07M▲ 12,805%€8k▼ 99.7%
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 turns negative in 2025: a loss of €36k after €3.07M in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.84M
Fixed assets
€194k
Current assets
€1.65M
Equity and liabilities €1.84M
Equity
€1.44M▼ 21.4%
Debt
€404k▼ 42.2%
The debt ratio falls from 27.7% to 22.0%. Equity and debt are lower.
Key figures and ratios
Solvency
78.0%▲
2024 · 72.3%
ROE
0.6%▼
2024 · 168.1%
ROA
0.5%▼
2024 · 121.6%
Debt
€404k▼
2024 · €700k
Debt ≤ 1 year
€404k▼
2024 · €700k
Income taxes
€202
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€2.53M€1.84M▼
Fixed assets21/28€0€194k▲
Tangible fixed assets22/27-€61k
Furniture and vehicles24-€61k
Financial fixed assets28€0€133k▲
Current assets29/58€2.53M€1.65M▼
Amounts receivable within one year40/41-€16k
Trade receivables40-€3k
Other amounts receivable41-€13k
Current investments50/53€2.32M€1.54M▼
Cash at bank and in hand54/58€207k€83k▼
Deferred charges and accrued income490/1-€815
Equity and liabilities
Total equity and liabilities10/49€2.53M€1.84M▼
Equity10/15€1.83M€1.44M▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€1.82M€1.43M▼
Amounts payable17/49€700k€404k▼
Amounts payable within one year42/48€700k€404k▼
Trade debts44-€3k
Suppliers440/4-€3k
Taxes, remuneration and social security45€191k€60k▼
Taxes450/3€191k€60k▼
Other amounts payable47/48€508k€341k▼
Income statement
Code20242025
Non-recurring operating income76A€3.07M€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€9k
Other operating charges640/8€62€549▲
Gross operating margin9900€3.07M€-26k▼
Operating profit (loss)9901€3.07M€-36k▼
Financial income75/76B€0€45k▲
Recurring financial income75€0€45k▲
Financial charges65/66B€45€455▲
Recurring financial charges65€45€455▲
Profit (loss) for the period before taxes9903€3.07M€9k▼
Income taxes67/77-€202
Profit (loss) for the period9904€3.07M€8k▼
Profit (loss) for the period to be appropriated9905€3.07M€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3.09M€1.83M▼
Profit (loss) brought forward from the previous period14P€20k€1.82M▲
Profit to be distributed694/7€1.28M€400k▼
Return on contributions (dividend)694€1.28M€400k▼
Social balance
Average headcount (FTE)9087-0.0
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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2021net €3.07M ▲12805%
Operating result €3.07M, net result €3.07M, both a record.
30-06
Financial
Equity above €1MEq €1.83M ▲5944%
2 profitable years in a row build equity to €1.83M.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
30-06
Financial
Liquidity times 5current ratio 17.32
Current ratio from 3.56 to 17.32.
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Maasmechelen · 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.
Langeweidestraat(U) 473631 MaasmechelenGround area
918 m²
Building footprint
163 m²
Volume, LiDAR
3 m³
Parcel 73084A0221/00F002, Flanders · tallest building 1.3 m. Linked by address, not a title deed.
1 establishment unit
SONI
since 20202.304.410.984
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73084A0221/00F002 | Flanders | 918 m² | 1 · 163 m² | 1.3 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 11,869 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2020
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.