SOPO
ActiveSOPO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €-2k. Equity is growing by ~36.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-68
Solvency60▼-37
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 3.55 in 2024; short-term debt: 61.3% and cash: 0.6% of total assets), but 65.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
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
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 2025Solvency, return and age of the figures
Solvency
34.8%
Return on assets
-1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
30 d early
2023
32 d early
2022
2 d early
2021
32 d early
2020
44 d early
2019
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▼ 2.8%
2024 · €64k
2018: €4k
2019: €958
2020: €20k
2021: €27k
2022: €38k
2023: €48k
2024: €64k
2018 → 2025
Total assets
€180k▲ 102%
2024 · €89k
2018: €7k
2019: €3k
2020: €25k
2021: €56k
2022: €59k
2023: €75k
2024: €89k
2018 → 2025
Net result
€-2k
2024 · €16k
2018: €3k
2019: €-3k
2020: €19k
2021: €7k
2022: €11k
2023: €10k
2024: €16k
2018 → 2025
Working capital
€61k▼ 2.8%
2024 · €62k
2018: €4k
2019: €958
2020: €19k
2021: €26k
2022: €38k
2023: €48k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€38k▲ 40.6%€48k▲ 25.4%€64k▲ 34.5%€63k▼ 2.8%
Operating result€13k-€16k▲ 24.5%€8k▼ 52.8%€26k▲ 242%€1k▼ 95.1%
Net result€7k-€11k▲ 56.8%€10k▼ 12.0%€16k▲ 70.0%€-2k
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 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€9k▲ 372%
Current assets
€171k▲ 96.7%
Equity and liabilities €180k
Equity
€63k▼ 2.8%
Debt
€117k▲ 379%
The debt ratio rises from 27.5% to 65.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €27k
Cash flow
€-1k▼
2024 · €17k
Solvency
34.8%▼
2024 · 72.5%
Current ratio
1.55▼
2024 · 3.55
Quick ratio
1.00▼
2024 · 3.35
Debt / equity
1.87▲
2024 · 0.38
ROE
-2.9%▼
2024 · 25.6%
ROA
-1.0%▼
2024 · 18.6%
Interest coverage
0.75▼
2024 · 23.87
Debt
€117k▲
2024 · €24k
Debt ≤ 1 year
€110k▲
2024 · €24k
Debt > 1 year
€7k
Income taxes
€389▼
2024 · €13k
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€89k€180k▲
Fixed assets21/28€2k€9k▲
Intangible fixed assets21-€7k
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€87k€171k▲
Stocks and contracts in progress3€5k€61k▲
Stocks30/36€5k€15k▲
Contracts in progress37-€46k
Amounts receivable within one year40/41€81k€108k▲
Trade receivables40€10k€34k▲
Other amounts receivable41€71k€74k▲
Cash at bank and in hand54/58€935€1k▲
Deferred charges and accrued income490/1-€281
Equity and liabilities
Total equity and liabilities10/49€89k€180k▲
Equity10/15€64k€63k▼
Contributions10/11€6k€6k=
Reserves13€58k€56k▼
Distributable reserves133€58k€56k▼
Amounts payable17/49€24k€117k▲
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€24k€110k▲
Current portion of amounts payable after more than one year42-€9k
Financial debts43-€25k
Credit institutions430/8-€25k
Trade debts44€16k€72k▲
Suppliers440/4€16k€72k▲
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€8k€3k▼
Other amounts payable47/48€1k€1k=
Accrued charges and deferred income492/3-€250
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€188€734▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k-
Other operating charges640/8€1k€2k▲
Gross operating margin9900€33k€4k▼
Operating profit (loss)9901€26k€1k▼
Financial income75/76B€4k-
Recurring financial income75€4k-
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€29k€-1k▼
Income taxes67/77€13k€389▼
Profit (loss) for the period9904€16k€-2k▼
Profit (loss) for the period to be appropriated9905€16k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-2k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€16k-
To other reserves6921€16k-
The notes to these accounts (10 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 4.78
Current ratio from 1.42 to 4.78.
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-3k ▼186%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
18-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tessenderlo-Ham · 1 establishment unit since 2011
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.
Shermanstraat 93945 Tessenderlo-HamGround area
266 m²
Building footprint
72 m²
Parcel 71046A1576/00Y000, Flanders. Linked by address, not a title deed.
1 establishment unit
Shermanstraat 9, 3945 Tessenderlo-Ham
since 20112.204.200.086
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71046A1576/00Y000 | Flanders | 266 m² | 1 · 72 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 1,370 EUR awarded · 1,370 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 171 EUR | 171 EUR |
| 2022 | 1 | 1,199 EUR | 1,199 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,528 companies in sector 43222 we hold annual accounts for 5,659. 4,708 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2011
Fiscal year end30-09
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.