Sophie Sperlich
ActiveSummary
Sophie Sperlich has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €252k and a net result of €91k. Equity is growing by ~63.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 5.81 against 6.72 in 2024; short-term debt: 17% and cash: 20.9% of total assets), and 17% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
83%
Return on assets
29.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-04-2026, 94 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
94 d early
2024
26 d late
2023
27 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€252k▲ 56.3%
2024 · €161k
2023: €48k
2024: €161k
2023 → 2025
Total assets
€304k▲ 60.2%
2024 · €190k
2023: €75k
2024: €190k
2023 → 2025
Net result
€91k▼ 20.4%
2024 · €114k
2023: €46k
2024: €114k
2023 → 2025
Working capital
€248k▲ 53.8%
2024 · €161k
2023: €48k
2024: €161k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€48k-€161k▲ 236%€252k▲ 56.3%
Operating result€64k-€142k▲ 121%€110k▼ 22.2%
Net result€46k-€114k▲ 148%€91k▼ 20.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€4k
Current assets
€300k
Equity and liabilities €304k
Equity
€252k ▲ 56.3%
Debt
€52k ▲ 82.9%
Debt's share of the balance-sheet total rises from 14.9% to 17.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€111k
Cash flow
€91k
Current ratio
5.81▼
2024 · 6.72
Debt to equity
0.20▲
2024 · 0.17
ROE
36.0%▼
2024 · 70.7%
ROA
29.9%▼
2024 · 60.2%
Interest coverage
2243.81
Debt ≤ 1 year
€52k▲
2024 · €28k
Income taxes
€25k▼
2024 · €32k
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 · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€190k€304k▲
Fixed assets21/28-€4k
Tangible fixed assets22/27-€4k
Furniture and vehicles24-€4k
Current assets29/58€190k€300k▲
Amounts receivable after more than one year29€127k€224k▲
Other amounts receivable291€127k€224k▲
Amounts receivable within one year40/41€16k€11k▼
Trade receivables40€15k€8k▼
Other amounts receivable41€773€3k▲
Cash at bank and in hand54/58€46k€64k▲
Deferred charges and accrued income490/1-€504
Equity and liabilities
Total equity and liabilities10/49€190k€304k▲
Equity10/15€161k€252k▲
Contributions10/11€2k€2k=
Reserves13€46k€46k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14€113k€204k▲
Amounts payable17/49€28k€52k▲
Amounts payable within one year42/48€28k€52k▲
Trade debts44€146€1k▲
Suppliers440/4€146€1k▲
Advances received on contracts in progress46-€8k
Taxes, remuneration and social security45€6k-
Taxes450/3€6k-
Other amounts payable47/48€22k€43k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€486
Gross operating margin9900€142k€111k▼
Operating profit (loss)9901€142k€110k▼
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€49€49▲
Recurring financial charges65€49€49▲
Profit (loss) for the period before taxes9903€146k€116k▼
Income taxes67/77€32k€25k▼
Profit (loss) for the period9904€114k€91k▼
Profit (loss) for the period to be appropriated9905€114k€91k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€204k▲
Profit (loss) brought forward from the previous period14P-€113k
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
The notes to these accounts (5 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €252k ▲56.3%
3 profitable years in a row build equity to €252k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2023net €114k ▲148%
Operating result €142k, net result €114k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.72
Current ratio from 2.79 to 6.72.
31-12
Financial
Equity above €150kEq €161k ▲236%
2 profitable years in a row build equity to €161k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Etterbeek · 1 establishment unit since 2023
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.
Legerlaan 631040 EtterbeekGround area
573 m²
Building footprint
231 m²
Volume, LiDAR
3,847 m³
Parcel 21362B0281/00M007, Brussels · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Sophie Sperlich BV
since 20232.346.991.412
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0281/00M007 | Brussels | 573 m² | 1 · 231 m² | 19.9 m · 6 fl. |
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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LANZCAPE
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Of 2,762 companies in sector 69109 we hold annual accounts for 1,208. 869 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 formPrivate limited company
Founded07-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.