SOOM
ActiveSOOM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €6k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 12989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
88
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-9
Solvency100▲+5
Growth72▼-1
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.53 against 2.11 in 2024), and 34.3% 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.7%
Return on assets
3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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
5 d late
2024
6 d late
2023
2 d early
2022
12 d early
2021
3 d late
2020
39 d early
2019
21 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.53M▲ 3.1%
2024 · €1.49M
2018: €958k
2019: €992k
2020: €949k
2021: €955k
2022: €1.11M
2024: €1.49M
2018 → 2025
EBIT margin
0.5%▼ 0.5pp
2024 · 1.0%
2018: 0.4%
2019: 1.7%
2020: 0.3%
2021: 2.0%
2022: 0.9%
2024: 1.0%
2018 → 2025
Net result
€6k▼ 50.6%
2024 · €11k
2018: €3k
2019: €13k
2020: €2k
2021: €19k
2022: €10k
2023: €12k
2024: €11k
2018 → 2025
Working capital
€101k▲ 10.7%
2024 · €92k
2018: €77k
2019: €72k
2020: €69k
2021: €84k
2022: €94k
2023: €96k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€955k-€1.11M▲ 16.2%€1.49M€1.53M▲ 3.1%
Equity€84k-€94k▲ 11.6%€106k▲ 12.8%€117k▲ 10.7%€123k▲ 4.8%
Operating result€19k-€10k▼ 47.4%€15k▲ 51.5%€14k▼ 6.7%€7k▼ 48.3%
Net result€19k-€10k▼ 48.8%€12k▲ 22.6%€11k▼ 5.2%€6k▼ 50.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 48% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€45k▼ 24.0%
Current assets
€141k▼ 18.7%
Equity and liabilities €187k
Equity
€123k▲ 4.8%
Debt
€64k▼ 45.0%
The debt ratio falls from 49.9% to 34.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▲
2024 · €22k
Cash flow
€22k▲
2024 · €19k
Solvency
65.7%▲
2024 · 50.1%
Current ratio
3.53▲
2024 · 2.11
Quick ratio
2.28▲
2024 · 1.61
Debt / equity
0.52▼
2024 · 1.00
ROE
4.6%▼
2024 · 9.7%
ROA
3.0%▼
2024 · 4.9%
Interest coverage
9.81▼
2024 · 14.71
Debt
€64k▼
2024 · €117k
Debt ≤ 1 year
€40k▼
2024 · €82k
Debt > 1 year
€24k▼
2024 · €34k
Income taxes
€2k▼
2024 · €3k
Staff costs
€59k▲
2024 · €28k
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€234k€187k▼
Fixed assets21/28€60k€45k▼
Intangible fixed assets21€13k€10k▼
Tangible fixed assets22/27€45k€32k▼
Furniture and vehicles24€45k€32k▼
Financial fixed assets28€1k€3k▲
Current assets29/58€174k€141k▼
Stocks and contracts in progress3€42k€50k▲
Stocks30/36€42k€50k▲
Amounts receivable within one year40/41€43k€52k▲
Other amounts receivable41€43k€52k▲
Cash at bank and in hand54/58€88k€38k▼
Deferred charges and accrued income490/1€2k€582▼
Equity and liabilities
Total equity and liabilities10/49€234k€187k▼
Equity10/15€117k€123k▲
Contributions10/11€19k€19k=
Reserves13€11k€11k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€88k€93k▲
Amounts payable17/49€117k€64k▼
Amounts payable after more than one year17€34k€24k▼
Financial debts170/4€34k€24k▼
Amounts payable within one year42/48€82k€40k▼
Current portion of amounts payable after more than one year42€8k€10k▲
Trade debts44€58k€19k▼
Suppliers440/4€58k€19k▼
Taxes, remuneration and social security45€16k€11k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€10k€6k▼
Income statement
Code20242025
Turnover70€1.49M€1.53M▲
Goods, raw materials, services and sundry goods60/61€1.43M€1.51M▲
Remuneration, social security and pensions62€28k€59k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€16k▲
Other operating charges640/8€9k€15k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€60k€102k▲
Operating profit (loss)9901€14k€7k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€14k€8k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€11k€6k▼
Profit (loss) for the period to be appropriated9905€11k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€93k▲
Profit (loss) brought forward from the previous period14P€76k€88k▲
The notes to these accounts (11 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €106k ▲12.8%
6 profitable years in a row build equity to €106k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Highest result since 2018net €19k ▲692%
Operating result €19k, net result €19k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €2k ▼81%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 21 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 6.74
Current ratio from 2.28 to 6.74; short-term debt falls from €60k to €12k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Mons · 5 establishment units since 2010
Ground area
1,500 m²
Building footprint
910 m²
Volume, LiDAR
12,198 m³
5 parcels, Wallonia · tallest building 24.1 m, ±7 floors. Linked by address, not a title deed.
5 establishment units
CITY TABACS
since 20102.192.771.112
Capri Market
since 20182.278.980.455
Capri Shop
since 20232.344.659.254
CAPRI LIBRAIRIE
since 20242.363.090.442
City Shop
since 20262.384.300.481
5 parcels
Wallonia
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0363/00H004 | Wallonia | 660 m² | 1 · 267 m² | 7.3 m · 1 fl. |
| 53053H0685/00D000 | Wallonia | 452 m² | 1 · 433 m² | 24.1 m · 7 fl. |
| 53053H0642/00C000 | Wallonia | 177 m² | 1 · 116 m² | 11.1 m · 3 fl. |
| 55023D0123/00D000 | Wallonia | 114 m² | 1 · 42 m² | 13.5 m · 4 fl. |
| 53053H0639/00_000 | Wallonia | 97 m² | 1 · 53 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,410 companies in sector 47110 we hold annual accounts for 5,787. 4,518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2009
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
47630Retail trade
47690Retail sale of other cultural and recreation goods
77220Rental and leasing activities
77229Renting and leasing of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.