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SOPHIE CONCEPT

Active
Private limited companyfounded 201115 yrs activeRue Paul-Joseph-Carpay 1, 4020 Liège, BelgiumKBO/BCE: BE 0836.629.948

SOPHIE CONCEPT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show negative equity (€-8k) and a net result of €-7k. Equity is shrinking by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 17% of 18372 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2023
7 / 100
Critical▼ -9 vs 2022
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability100▲+100
Solvency33=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14 against 0.1 in 2022), and equity is negative.
Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
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 2023
Solvency, return and age of the figures
Solvency
-1.9%
Return on assets
-1.7%
Age of the figures
32 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 15 years 0 20 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2023
Equity per financial year
181920212223
2018 to 2023 · latest year -€8k
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filings
Position against the passed deadline
31-12-2024 close31-07-2025 deadline10-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 27-09-2024, 58 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 filings
Deviation from the deadline
2025
not confirmed
2024
not filed
2023
58 d late
2022
61 d late
2021
4 d early
2020
3 d early
2019
9 d early
← before the deadline after the deadline →
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2023, micro schema

Equity
€-8k▼ 1,259%
2022 · €-567
2018: €8k 2019: €-5k 2020: €-4k 2021: €-7k 2022: €-567
2018 → 2023
Total assets
€413k▼ 2.3%
2022 · €423k
2018: €19k 2019: €10k 2020: €7k 2021: €6k 2022: €423k
2018 → 2023
Net result
€-7k
2022 · €6k
2018: €503 2019: €-13k 2020: €187 2021: €-2k 2022: €6k
2018 → 2023
Working capital
€-48k▼ 8.7%
2022 · €-44k
2018: €8k 2019: €-5k 2020: €-4k 2021: €-7k 2022: €-44k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20192020202120222023Trend
Equity€-5k-€-4k▲ 4.1%€-7k▼ 55.3%€-567▲ 91.6%€-8k▼ 1,259%
Operating result€-12k-€819€-2k€12k€21k▲ 69.5%
Net result€-13k-€187€-2k€6k€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-20k€-10k€0€10k€20kOperating result 2019: €-12k€-12kNet result 2019: €-13k€-13kOperating result 2020: €819€819Net result 2020: €187€187Operating result 2021: €-2k€-2kNet result 2021: €-2k€-2kOperating result 2022: €12k€12kNet result 2022: €6k€6kOperating result 2023: €21k€21kNet result 2023: €-7k€-7k20192020202120222023
After the dip in 2021 the operating result has climbed two years in a row; 2023 is 70% above 2022 and is the highest year so far.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €413k
Fixed assets €405k▼ 3.1%
Current assets €8k▲ 66.6%
Key figures and ratios
2023 value · change against 2022
EBITDA
€34k
2022 · €27k
Cash flow
€6k
2022 · €21k
Solvency
-1.9%
2022 · -0.1%
Current ratio
0.14
2022 · 0.10
Quick ratio
0.14
2022 · 0.10
Debt / equity
-54.60
2022 · -746.59
ROE
92.6%
2022 · -1091.4%
ROA
-1.7%
2022 · 1.5%
Interest coverage
1.21
2022 · 4.47
Debt
€420k
2022 · €423k
Debt ≤ 1 year
€56k
2022 · €49k
Debt > 1 year
€365k
2022 · €375k
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 · 2023 against 2022
Balance sheet Code20222023
Assets
Total assets20/58€423k€413k
Fixed assets21/28€418k€405k
Tangible fixed assets22/27€418k€405k
Land and buildings22€418k€405k
Current assets29/58€5k€8k
Amounts receivable within one year40/41€333€333=
Other amounts receivable41€333€333=
Cash at bank and in hand54/58€4k€4k
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€423k€413k
Equity10/15€-567€-8k
Contributions10/11€6k€6k=
Reserves13€202€202=
Non-distributable reserves130/1€202€202=
Reserves not available under the articles1311€202€202=
Profit (loss) carried forward14€-7k€-14k
Amounts payable17/49€423k€420k
Amounts payable after more than one year17€375k€365k
Financial debts170/4€375k€365k
Amounts payable within one year42/48€49k€56k
Current portion of amounts payable after more than one year42€9k€14k
Trade debts44€4k€5k
Suppliers440/4€4k€5k
Other amounts payable47/48€36k€36k=
Income statement Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€13k
Other operating charges640/8€5k€964
Gross operating margin9900€32k€35k
Operating profit (loss)9901€12k€21k
Financial income75/76B€137€54
Recurring financial income75€137€54
Financial charges65/66B€6k€28k
Recurring financial charges65€6k€28k
Profit (loss) for the period before taxes9903€6k€-7k
Profit (loss) for the period9904€6k€-7k
Profit (loss) for the period to be appropriated9905€6k€-7k
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-14k
Profit (loss) brought forward from the previous period14P€-13k€-7k

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

2024
27-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
30-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial Back to profitnet €6k
Net result €6k after one loss-making year.
27-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Back to profitnet €187
Net result €187 after one loss-making year.
22-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Weakest financial yearnet €-13k ▼2662%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
23-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
2016
05-08
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 5 days late
2015
10-08
NBB filing Annual accounts filed
fiscal year 2014 · full schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Liège · 1 establishment unit since 2011
exact location from the address register On OpenStreetMap
Ground area
331 m²
Building footprint
155 m²
Volume, LiDAR
1,649 m³
2 parcels, Wallonia · tallest building 15.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SOPHIE CONCEPT
Avenue de Nancy 33, 4020 LiègeReal estate activities
since 20112.227.823.843
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62809C0191/00N003 Wallonia 196 m² 1 · 82 m² 15.1 m · 3 fl.
62809C0191/00R007 Wallonia 135 m² 1 · 73 m² 10.8 m · 3 fl.
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

Of 7,284 companies in sector 68110 we hold annual accounts for 5,351. 1,735 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded30-05-2011
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers

Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.