SOPHIBUS
ActiveSummary
SOPHIBUS has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4.86M and a net result of €831k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 58% of 1124 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85=
Solvency68▼-32
Growth59▼-14
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 6.11 in 2023; short-term debt: 50.5% and cash: 0% of total assets), but 57.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 49
Relative position
BE, all sectors
reference
Sector 49
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 2024Solvency, return and age of the figures
Solvency
42.7%
Return on assets
7.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
50 d early
2022
47 d early
2021
47 d early
2020
23 d early
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€5.44M▲ 4.3%
2023 · €5.21M
2020: €3.97M
2021: €4.18M
2022: €4.71M
2023: €5.21M
2020 → 2024
EBIT margin
14.2%▲ 0.9pp
2023 · 13.3%
2020: 14.6%
2021: 12.9%
2022: 13.7%
2023: 13.3%
2020 → 2024
Net result
€831k▲ 7.8%
2023 · €771k
2020: €433k
2021: €394k
2022: €499k
2023: €771k
2020 → 2024
Working capital
€4.35M▼ 48.2%
2023 · €8.39M
2020: €7.95M
2021: €8.27M
2022: €8.42M
2023: €8.39M
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€3.97M-€4.18M▲ 5.4%€4.71M▲ 12.7%€5.21M▲ 10.6%€5.44M▲ 4.3%
Equity€8.57M-€8.77M▲ 2.3%€9.03M▲ 3.0%€9.03M=€4.86M▼ 46.2%
Operating result€578k-€538k▼ 6.9%€648k▲ 20.3%€691k▲ 6.7%€771k▲ 11.5%
Net result€433k-€394k▼ 9.0%€499k▲ 26.7%€771k▲ 54.5%€831k▲ 7.8%
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 12% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €11.38M
Fixed assets
€1.28M ▲ 4.3%
Current assets
€10.09M ▲ 0.6%
Equity and liabilities €11.38M
Equity
€4.86M ▼ 46.2%
Debt
€6.52M ▲ 192%
Debt's share of the balance-sheet total rises from 19.9% to 57.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€1.19M▲
2023 · €1.11M
Cash flow
€1.25M▲
2023 · €1.19M
Current ratio
1.76▼
2023 · 6.11
Quick ratio
1.74▼
2023 · 6.05
Debt to equity
1.34▲
2023 · 0.25
ROE
17.1%▲
2023 · 8.5%
ROA
7.3%▲
2023 · 6.8%
Interest coverage
119.22▼
2023 · 213.53
Debt ≤ 1 year
€5.75M▲
2023 · €1.64M
Debt > 1 year
€775k▲
2023 · €595k
Income taxes
€278k▲
2023 · €242k
Staff costs
€2.71M▲
2023 · €2.58M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 80 lines
Balance sheet
Code20232024
Assets
Total assets20/58€11.26M€11.38M▲
Fixed assets21/28€1.23M€1.28M▲
Tangible fixed assets22/27€1.23M€1.28M▲
Land and buildings22€133k€116k▼
Plant, machinery and equipment23€22k€21k▼
Furniture and vehicles24€389k€266k▼
Leasing and similar rights25€686k€880k▲
Current assets29/58€10.03M€10.09M▲
Stocks and contracts in progress3€91k€92k▲
Stocks30/36€91k€92k▲
Raw materials and consumables30/31€91k€92k▲
Amounts receivable within one year40/41€9.89M€9.97M▲
Trade receivables40€942k€886k▼
Other amounts receivable41€8.95M€9.08M▲
Cash at bank and in hand54/58€9k€610▼
Deferred charges and accrued income490/1€38k€36k▼
Equity and liabilities
Total equity and liabilities10/49€11.26M€11.38M▲
Equity10/15€9.03M€4.86M▼
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Reserves13€8.90M€4.73M▼
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Tax-exempt reserves132€1.02M€1.02M=
Distributable reserves133€7.87M€3.70M▼
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€2.24M€6.52M▲
Amounts payable after more than one year17€595k€775k▲
Financial debts170/4€595k€775k▲
Leasing and similar obligations172€595k€775k▲
Amounts payable within one year42/48€1.64M€5.75M▲
Current portion of amounts payable after more than one year42€186k€236k▲
Financial debts43-€424
Credit institutions430/8-€424
Trade debts44€155k€81k▼
Suppliers440/4€155k€81k▼
Advances received on contracts in progress46€7k€3k▼
Taxes, remuneration and social security45€519k€425k▼
Taxes450/3€133k€104k▼
Remuneration and social security454/9€386k€321k▼
Other amounts payable47/48€775k€5.00M▲
Income statement
Code20232024
Operating income70/76A€5.36M€5.62M▲
Turnover70€5.21M€5.44M▲
Other operating income74€144k€152k▲
Non-recurring operating income76A€2k€30k▲
Operating charges60/66A€4.67M€4.85M▲
Goods for resale, raw materials and consumables60€1.14M€1.15M▲
Purchases600/8€1.14M€1.14M▲
Change in stocks: decrease (increase)609€5k€2k▼
Services and other goods61€515k€558k▲
Remuneration, social security and pensions62€2.58M€2.71M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€421k€418k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-614€-2k▼
Other operating charges640/8€10k€11k▲
Non-recurring operating charges66A-€7k
Operating profit (loss)9901€691k€771k▲
Financial income75/76B€330k€351k▲
Recurring financial income75€330k€351k▲
Income from current assets751€289k€321k▲
Other financial income752/9€41k€30k▼
Financial charges65/66B€8k€12k▲
Recurring financial charges65€8k€12k▲
Debt charges650€5k€10k▲
Other financial charges652/9€3k€2k▼
Profit (loss) for the period before taxes9903€1.01M€1.11M▲
Income taxes67/77€242k€278k▲
Taxes670/3€256k€281k▲
Tax adjustments and reversals of tax provisions77€14k€2k▼
Profit (loss) for the period9904€771k€831k▲
Transfer from tax-exempt reserves789-€2k
Transfer to tax-exempt reserves689€2k€2k▼
Profit (loss) for the period to be appropriated9905€769k€831k▲
Appropriation of the result
Profit (loss) to be appropriated9906€777k€833k▲
Profit (loss) brought forward from the previous period14P€8k€2k▼
Transfer from equity791/2-€4.17M
From reserves792-€4.17M
Profit to be distributed694/7€775k€5.00M▲
Return on contributions (dividend)694€775k€5.00M▲
Social balance
Average headcount (FTE)908752.649.6▼
The notes to these accounts (72 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2020net €831k ▲7.8%
Operating result €771k, net result €831k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €394k ▼9%
Net result drops to €394k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
20 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, Philippeville · 2 establishment units since 1996
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.
Rue de Charleroi 15600 PhilippevilleGround area
1.3 ha
Building footprint
1,104 m²
Volume, LiDAR
6,637 m³
2 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Rue de Charleroi 1, 5600 Philippeville
since 19962.078.263.897
Rue du Travail 3A, 1400 Nivelles
since 20102.204.583.831
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0576/00X010 | Wallonia | 1.1 ha | 1 · 983 m² | 8.3 m · 2 fl. |
| 93056D0008/00A002 | Wallonia | 1,386 m² | 1 · 121 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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BE 0439.097.917
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Geenens
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Flobecq · Eq €5.01M
Cintra
BE 0400.934.553
Ramillies · Eq €5.30M
De Duinen
BE 0404.155.745
Herentals · Eq €4.42M
Autobus- en Autocarbedrijf Reizen De Valk
BE 0426.355.976
Heusden-Zolder · Eq €4.36M
Of 962 companies in sector 49310 we hold annual accounts for 487. 90 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-06-1996
Fiscal year end31-12
Activities, NACEBEL 2025
49310Scheduled passenger transport by road
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.