SOPHIE CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of SOPHIE CONCEPT is 6.2% (elevated). For SOPHIE CONCEPT, at least two annual filings are missing. The 2023 annual accounts show negative equity (-€7,701) and a net result of -€7,134. Equity has been shrinking by about 20% per year since 2018. Its solvency ranks better than 17% of 18,151 sector peers (NACE 68, financial year 2023). The company has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 30-05-2011 Normal situation
- Activity
- Buying and selling of own real estate NACE 68110and 2 others
- Establishment unit
- 2.227.823.843 4020 Liège, since 30-05-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 04-02-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 6.2%
2023 figures too old to score
Annual accounts 2023
- Gross margin
- €34,564
- ▲ 7.6%
- Turnover
- ≈ €85,000
- estimated
- Loss
- €7,134
- Equity
- -€7,701
- ▼ 1,259%
- Total assets
- €412,741
- ▼ 2.3%
- Negative equity on 31-12-2023
- 2024 accounts not filed, 459 days past the deadline
Signalsraises riskFigures for financial year 2023 (filed on 30-09-2024)2 financial years not filed after the legal deadline; last filed accounts filed 58 days late; 2 of the last 3 accounts lateLiquidity: current ratio 0.14, cash €4,440Two or more financial years not filed2023 accounts filed 58 days latelowers riskSector: Real estate activities (NACE 68)Show the evidence
Bankruptcy probability
No current score
Figures too old
The latest figures are for FY 2023. They are too old for a current score.
Bankruptcy probability: Elevated
Filing: At least two annual filings are missing
Financial strength, FY 2023 · tick: 2022
Weak
Solvency
23-2
equity -1.9% of total assets
Liquidity
49-1
short-term debt 13.5% · cash 1.1%
Profitability
27-31
return on assets -1.7%
Bankruptcy probability within 12 months
6.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.0%
01-2025: 1.0%● unchanged vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 0.9%▼ -0.1 percentage points vs 03-2025lowest value
05-2025: 1.0%▲ +0.1 percentage points vs 04-2025
06-2025: 1.0%● unchanged vs 05-2025
07-2025: 1.1%▲ +0.1 percentage points vs 06-2025
08-2025: 1.5%▲ +0.4 percentage points vs 07-2025
09-2025: 1.7%▲ +0.2 percentage points vs 08-2025
10-2025: 2.0%▲ +0.3 percentage points vs 09-2025
11-2025: 2.2%▲ +0.2 percentage points vs 10-2025
12-2025: 2.7%▲ +0.5 percentage points vs 11-2025
01-2026: 4.2%▲ +1.5 percentage points vs 12-2025
02-2026: 4.2%● unchanged vs 01-2026
03-2026: 4.5%▲ +0.3 percentage points vs 02-2026
04-2026: 4.0%▼ -0.5 percentage points vs 03-2026
05-2026: 4.0%● unchanged vs 04-2026
06-2026: 4.0%● unchanged vs 05-2026
07-2026: 4.0%● unchanged vs 06-2026
08-2026: 5.5%▲ +1.5 percentage points vs 07-2026
09-2026: 5.6%▲ +0.1 percentage points vs 08-2026
10-2026: 6.2%▲ +0.6 percentage points vs 09-2026highest value
11-2026: 6.2%● unchanged vs 10-2026highest value
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
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 filingsPosition against the passed deadline
31-12-2024 year end31-07-2025 deadline02-11-2026 today
raises risk · 2023 accounts filed 58 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
not filed
2023
58 days late
2022
61 days late
2021
4 days early
2020
3 days early
2019
9 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 21 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
Financials
Financials · financial year 2023, micro format
2024 annual accounts not yet filed, deadline passed on 31 July 2025 The financial year closed on 31 December 2024. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). 2 financial years without a filing since the last one filed. Source: NBB filings, as of 2 November 2026.
Annual accounts 2023 filed on 27-09-2024 PDF all 13 filings
Turnover
≈ €85,000
Estimated: probably between €53,000 and €170,000
Total assets
€412,741▼ 2.3%
2022 · €422,628
Net result
-€7,134
2022 · €6,186
Working capital
-€47,777▼ 8.7%
2022 · -€43,964
Multi-year overview
2018 to 2023, 6 financial yearsOperating result
€20,606
▲ 69.5%
2023
20182023
Net result
-€7,134
2023
middle half of the sector
20182023
Equity
-€7,701
▼ 1,259%
2023
lowest quarter of the sector
20182023
Total assets
€412,741
▼ 2.3%
2023
middle half of the sector
20182023
Debt
€420,442
▼ 0.7%
2023
20182023
Working capital
-€47,777
▼ 8.7%
2023
middle half of the sector
20182023
Solvency
-1.9%
▼ 1.7pp
2023
lowest quarter of the sector
20182023
Current ratio
0.14
▲ 0.04
2023
lowest quarter of the sector
20182023
Return on assets (ROA)
-1.7%
▼ 3.2pp
2023
middle half of the sector
20182023
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line201820192020202120222023
Operating result€2,402--€11,719€819-€1,875€12,155€20,606▲ 69.5%
Net result€503--€12,877€187within the sector's middle half-€2,404within the sector's middle half€6,186within the sector's middle half-€7,134within the sector's middle half
Equity€8,341--€4,536-€4,349below the sector's middle half▲ 4.1%-€6,753below the sector's middle half▼ 55.3%-€567below the sector's middle half▲ 91.6%-€7,701below the sector's middle half▼ 1,259%
Total assets€19,000-€9,632▼ 49.3%€6,843below the sector's middle half▼ 29.0%€5,853below the sector's middle half▼ 14.5%€422,628within the sector's middle half▲ 72×€412,741within the sector's middle half▼ 2.3%
Debt€10,659-€14,168▲ 32.9%€11,192▼ 21.0%€12,606▲ 12.6%€423,195▲ 34×€420,442▼ 0.7%
Working capital€7,839--€4,758-€4,349within the sector's middle half▲ 8.6%-€6,753within the sector's middle half▼ 55.3%-€43,964within the sector's middle half▼ 551%-€47,777within the sector's middle half▼ 8.7%
Solvency43.9%--47.1%▼ 91.0pp-63.6%below the sector's middle half▼ 16.5pp-115.4%below the sector's middle half▼ 51.8pp-0.1%below the sector's middle half▲ 115.2pp-1.9%below the sector's middle half▼ 1.7pp
Current ratio1.74-0.66▼ 1.070.61within the sector's middle half▼ 0.050.46within the sector's middle half▼ 0.150.10below the sector's middle half▼ 0.370.14below the sector's middle half▲ 0.04
Return on assets (ROA)2.6%--133.7%▼ 136.3pp2.7%within the sector's middle half▲ 136.4pp-41.1%below the sector's middle half▼ 43.8pp1.5%within the sector's middle half▲ 42.5pp-1.7%within the sector's middle half▼ 3.2pp
above
within
below
The sector band is the middle half of the companies in Real estate activities (NACE 68). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2023 is 70% higher than in 2022 and the highest since 2019. It is the second rise in a row, after the fall in 2021.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €412,741
Fixed assets
€404,967 ▼ 3.1%
Current assets
€7,774 ▲ 66.6%
Equity and liabilities
Equity-€7,701
Debt€420,442
Equity is negative. Debt (€420,442) exceeds the balance-sheet total (€412,741).
Key figures and ratios
EBITDA
€33,599▲
2022 · €27,319
Cash flow
€5,860▼
2022 · €21,350
Interest coverage
1.21▼
2022 · 4.47
Debt ≤ 1 year
€55,551▲
2022 · €48,631
Debt > 1 year
€364,891▼
2022 · €374,564
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Securities and guarantees
| Item | 2021 | 2022 | 2023 |
|---|---|---|---|
| Mortgages, amount registered | - | €342,000 | €342,000 |
| Carrying value of the mortgaged assets | - | €417,961 | €404,967 |
Source: notes to the 2021 to 2023 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | €421,094 | - |
| Depreciation and write-downs of the year | €0 | €15,164 | €12,994 |
Source: notes to the 2021 to 2023 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €279 | €279 | €222 | €0 | €15,164 | €12,994 | ▼ 14.3% |
| Other operating charges640/8 | - | - | - | €2,698 | €4,815 | €964 | ▼ 80.0% |
| Gross operating margin9900 | €3,137 | -€6,991 | €1,041 | €823 | €32,134 | €34,564 | ▲ 7.6% |
| Operating profit (loss)9901 | €2,402 | -€11,719 | €819 | -€1,875 | €12,155 | €20,606 | ▲ 69.5% |
| Financial income75/76B | - | - | - | - | €137 | €54 | ▼ 60.3% |
| Recurring financial income75 | €9 | - | - | - | €137 | €54 | ▼ 60.3% |
| Financial charges65/66B | - | - | - | €528 | €6,105 | €27,794 | ▲ 355% |
| Recurring financial charges65 | €895 | €957 | €632 | €528 | €6,105 | €27,794 | ▲ 355% |
| Profit (loss) for the period before taxes9903 | €1,516 | -€12,676 | €187 | -€2,404 | €6,186 | -€7,134 | - |
| Income taxes67/77 | €1,014 | €201 | - | - | - | - | - |
| Profit (loss) for the period9904 | €503 | -€12,877 | €187 | -€2,404 | €6,186 | -€7,134 | - |
| Profit (loss) for the period to be appropriated9905 | €503 | -€12,877 | €187 | -€2,404 | €6,186 | -€7,134 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €19,000 | €9,632 | €6,843 | €5,853 | €422,628 | €412,741 | ▼ 2.3% |
| Fixed assets21/28 | €501 | €222 | €0 | - | €417,961 | €404,967 | ▼ 3.1% |
| Tangible fixed assets22/27 | €501 | €222 | €0 | - | €417,961 | €404,967 | ▼ 3.1% |
| Land and buildings22 | - | - | - | - | €417,961 | €404,967 | ▼ 3.1% |
| Current assets29/58 | €18,499 | €9,410 | €6,843 | €5,853 | €4,667 | €7,774 | ▲ 66.6% |
| Amounts receivable within one year40/41 | €14,024 | €5,391 | €2,689 | €333 | €333 | €333 | = |
| Other amounts receivable41 | - | - | - | €333 | €333 | €333 | = |
| Cash at bank and in hand54/58 | €4,475 | €4,018 | €4,154 | €4,080 | €4,334 | €4,440 | ▲ 2.5% |
| Deferred charges and accrued income490/1 | - | - | - | €1,440 | - | €3,000 | - |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €19,000 | €9,632 | €6,843 | €5,853 | €422,628 | €412,741 | ▼ 2.3% |
| Equity10/15 | €8,341 | -€4,536 | -€4,349 | -€6,753 | -€567 | -€7,701 | ▼ 1,259% |
| Contributions10/11 | €6,250 | €6,250 | - | €6,250 | €6,250 | €6,250 | = |
| Reserves13 | €202 | €202 | €202 | €202 | €202 | €202 | = |
| Non-distributable reserves130/1 | - | - | - | €202 | €202 | €202 | = |
| Reserves not available under the articles1311 | - | - | - | €202 | €202 | €202 | = |
| Profit (loss) carried forward14 | €1,889 | -€10,988 | -€10,801 | -€13,205 | -€7,019 | -€14,153 | ▼ 102% |
| Amounts payable17/49 | €10,659 | €14,168 | €11,192 | €12,606 | €423,195 | €420,442 | ▼ 0.7% |
| Amounts payable after more than one year17 | - | - | - | - | €374,564 | €364,891 | ▼ 2.6% |
| Financial debts170/4 | - | - | - | - | €374,564 | €364,891 | ▼ 2.6% |
| Amounts payable within one year42/48 | €10,659 | €14,168 | €11,192 | €12,606 | €48,631 | €55,551 | ▲ 14.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €1,191 | €8,998 | €14,485 | ▲ 61.0% |
| Trade debts44 | €27 | €4,545 | €763 | €4,044 | €3,536 | €4,968 | ▲ 40.5% |
| Suppliers440/4 | - | - | - | €4,044 | €3,536 | €4,968 | ▲ 40.5% |
| Taxes, remuneration and social security45 | - | - | - | €137 | - | - | - |
| Taxes450/3 | - | - | - | €137 | - | - | - |
| Other amounts payable47/48 | - | - | - | €7,234 | €36,097 | €36,097 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €503 | -€12,877 | €187 | -€2,404 | €6,186 | -€7,134 | - |
| + Depreciation and write-downs630 | €279 | €279 | €222 | €0 | €15,164 | €12,994 | ▼ 14.3% |
| Operating cash flow (approximation) | €782 | -€12,598 | €409 | -€2,404 | €21,350 | €5,860 | ▼ 72.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | €0 | - |
| Change in cash | - | -€456 | €135 | -€74 | €254 | €106 | ▼ 58.2% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 13 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2023 | micro format | 27-09-2024 | 2024-00482572 | |
| 31-12-2022 | micro format | 30-09-2023 | 2023-00462615 | |
| 31-12-2021 | micro format | 27-07-2022 | 2022-20241146 | |
| 31-12-2020 | micro format | 28-07-2021 | 2021-41400322 | |
| 31-12-2019 | micro format | 22-07-2020 | 2020-32400529 | |
| 31-12-2018 | micro format | 23-07-2019 | 2019-36300409 | |
| 31-12-2017 | micro format | 26-07-2018 | 2018-38100561 | |
| 31-12-2016 | micro format | 27-07-2017 | 2017-36500167 | |
| 31-12-2015 | full format | 05-08-2016 | 2016-40400438 | |
| 31-12-2014 | full format | 10-08-2015 | 2015-40700389 |
Board & ownership
Directors
Directors
1 director, last change in 2026
NGUYEN Thanh Huy
Current
Director (not named in the articles) · appointed in the act of 25-02-2026 · earlier manager, until 25-02-2026 · term without a fixed end · listed in the 2023 annual accounts, filed on 27-09-2024
Owners and capital
Capital transactions
Capital over time
- 25-02-2026 Converted to unavailable equity · €6,452
- 25-02-2026 Converted to uncalled contributions · €12,350
Mandate history
1 person, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| NGUYEN Thanh Huy |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Seul, 1”
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Tous les frais de procédure et d’expertise étant pour moitié à charge du cédant et pour moitié à charge du ou des acquéreurs…”
- Share issue ruleThe articles set how and by whom new shares are issued.
- “En cas d’actionnaire unique-administrateur, ce dernier détermine librement, au fur et à mesure des besoins de la société et aux époques…”“Au moins quinze jours à dater de l’ouverture de la souscription, actions nouvelles à souscrire en numéraire doivent être offertes par…”
Audit, dissolution and liquidation
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Si aucun autre liquidateur n'aurait été désigné, l'assemblée générale peut désigner un ou plusieurs liquidateurs et déterminer leurs…”
Articles of association, deed of 25-02-2026 (in French)
Network & group
SOPHIE CONCEPT shares no director with another company.
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of SOPHIE CONCEPT. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
2026
25-02
Gazette deed
Company renamed from SOPHIE CONCEPT SPRL to SOPHIE CONCEPTChange of role: NGUYEN Thanh Huy, from manager to director · Legal-form conversion · Capital conversion10 points ▸
Gazette deed
Company renamed from SOPHIE CONCEPT SPRL to SOPHIE CONCEPT
Change of role: NGUYEN Thanh Huy, from manager to director · Legal-form conversion · Capital conversion10 points ▸
- Legal-form conversion, “société à responsabilité limitée (en abrégé SRL)” (deed in French)
- Capital conversion, “compte de capitaux propres statutairement indisponible” (deed in French)
- Capital conversion, “compte de capitaux propres “apports non appelés”” (deed in French)
- Reserve release, “suppression, fonds disponibles pour distribution” (deed in French)
- Name change, SOPHIE CONCEPT
- Amendment of the articles, mentioned 2 times in the deed
- Capital
- Director resignation, NGUYEN Thanh Huy (manager)
- Director appointment, NGUYEN Thanh Huy (director (not named in the articles))
- Registered office clause, “toute communication vers cette adresse par les actionnaires, les titulaires de titres émis par la société et les titulaires de certificats émis avec la collabor…” (deed in French)
2024
27-09
micro format · 58 days late
2023
30-09
micro format · 61 days late
2022
31-12
Financial
Back to profitnet €6,186
The net result is €6,186, after one loss-making year.
27-07
micro format · 4 days before the deadline
2021
28-07
micro format · 3 days before the deadline
2020
31-12
Financial
Back to profitnet €187
The net result is €187, after one loss-making year.
22-07
micro format · 9 days before the deadline
2019
31-12
Financial
Weakest financial yearnet -€12,877
The net result drops to -€12,877, the lowest from 2018 to 2023. It recovers the following year.
23-07
micro format · 8 days before the deadline
2018
26-07
micro format · 5 days before the deadline
2017
27-07
micro format · 4 days before the deadline
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
SOPHIE CONCEPT in French
Enterprise number
0836.629.948
Legal form
Private limited company
Status
Active, normale toestand
Founded
30-05-2011
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 25-02-2026 (in French)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région wallonne, par simple décision de l’organe d’administration, des sièges administratifs, agences, ateliers, dépôts et succursales, tant…”
deed of 25-02-2026 (in French)Registered office and establishments
Registered office
Rue Paul-Joseph-Carpay 1, 4020 Liège, Belgium
Establishment unit
SOPHIE CONCEPT, Avenue de Nancy 33, 4020 Liège since 30-05-2011 · unit number 2.227.823.843
Activities
NACEBEL 202568110
Buying and selling of own real estate main activity
68203
Renting and operating of own or leased non-residential real estate, excluding land
68204
Real estate activities
Codes under NACEBEL 2008
68100
Real estate activities main activity
68203
Real estate rental
68204
Real estate activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 25-02-2026 (in French)
“L’exploitation et la gestion de salons-lavoirs comprenant notamment les activités de blanchisserie, lavage, repassage, réparation de linge…”
3 activities
- L’exploitation et la gestion de salons-lavoirs comprenant notamment les activités de blanchisserie, lavage, repassage, réparation de linge et vêtements, teinturerie et nettoyage à sec, ainsi que l’ entreprise d’entretien et de nettoyage, au sens large
- La tenue d’un bureau d’études et de conseils en architecture et aménagements d’intérieurs, ainsi qu’ en décoration, de même que toutes activités de décoration, au sens large du terme
- Toutes activités d’acquisition, cession, gestion, rénovation et exploitation de biens immobiliers, bâtis ou non
Invoicing and payment
VAT number
BE 0836.629.948
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of June at 11:00
deed of 25-02-2026 (in French)Meeting accessThe articles set who may attend the meeting and what is needed to be admitted.
“Si seul le droit de vote est suspendu, le titulaire peut participer à l'assemblée générale sans pouvoir participer au vote”
deed of 25-02-2026 (in French)Meeting procedureThe articles govern how the meeting runs, from opening to minutes.
“Prorogation, n'annule pas les autres décisions prises, sauf si l'assemblée générale en décide autrement”
deed of 25-02-2026 (in French)Voting ruleThe articles set which majority the meeting decides by, for example a simple or a special majority.
“Majorité des voix, quel que soit le nombre de titres représentés à l'assemblée générale”
deed of 25-02-2026 (in French)Sites & property
Location
Buildings and parcels at the addresses
Ground area
331 m²
Building footprint
155 m²
Building volume
1,649 m³
Tallest building: 15.1 m.
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62809C0191/00N003 | Wallonia | 196 m² | 1 · 82 m² | 15.1 m · 3 |
| 62809C0191/00R007 | Wallonia | 135 m² | 1 · 73 m² | 10.8 m · 3 |