SOS RETAIL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €872k and a net result of €380k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 5511 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €872k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 7 filingsDeviation from the deadline
2025
3 d late
2024
13 d early
2023
21 d late
2022
59 d late
2021
31 d late
2020
31 d late
2019
56 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€872k▲ 77.2%
2024 · €492k
2019: €27k
2020: €41k
2021: €52k
2022: €53k
2023: €90k
2024: €492k
2019 → 2025
Net result
€380k▼ 5.5%
2024 · €402k
2019: €8k
2020: €14k
2021: €11k
2022: €1k
2023: €36k
2024: €402k
2019 → 2025
Total assets
€8.01M▲ 2.4%
2024 · €7.82M
2019: €96k
2020: €183k
2021: €3.29M
2022: €3.79M
2023: €4.08M
2024: €7.82M
2019 → 2025
Solvency
10.9%▲ 4.6pp
2024 · 6.3%
2019: 28.1%
2020: 22.5%
2021: 1.6%
2022: 1.4%
2023: 2.2%
2024: 6.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€53k▲ 2.2%€90k▲ 68.0%€492k▲ 449%€872k▲ 77.2%
Operating result€27k-€-34k€-201k▼ 491%€-213k▼ 6.0%€135k
Net result€11k-€1k▼ 89.5%€36k▲ 3,026%€402k▲ 1,009%€380k▼ 5.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €135k after a loss of €213k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.01M
Fixed assets
€6.36M▼ 0.2%
Current assets
€1.65M▲ 14.1%
Equity and liabilities €8.01M
Equity
€872k▲ 77.2%
Debt
€7.14M▼ 2.6%
The debt ratio falls from 93.7% to 89.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
10.9%▲
2024 · 6.3%
ROE
43.6%▼
2024 · 81.8%
ROA
4.7%▼
2024 · 5.1%
Debt
€7.14M▼
2024 · €7.33M
Debt ≤ 1 year
€598k▲
2024 · €580k
Debt > 1 year
€6.47M▼
2024 · €6.67M
Income taxes
€330▼
2024 · €2k
Staff costs
€28k▼
2024 · €619k
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€7.82M€8.01M▲
Fixed assets21/28€6.37M€6.36M▼
Tangible fixed assets22/27€214k€201k▼
Land and buildings22€184k€176k▼
Plant, machinery and equipment23€832€415▼
Furniture and vehicles24€29k€25k▼
Financial fixed assets28€6.16M€6.16M=
Current assets29/58€1.45M€1.65M▲
Amounts receivable after more than one year29€638k€841k▲
Other amounts receivable291€638k€841k▲
Amounts receivable within one year40/41€491k€737k▲
Trade receivables40€158k€457k▲
Other amounts receivable41€333k€280k▼
Cash at bank and in hand54/58€277k€51k▼
Deferred charges and accrued income490/1€41k€22k▼
Equity and liabilities
Total equity and liabilities10/49€7.82M€8.01M▲
Equity10/15€492k€872k▲
Contributions10/11€19k€19k=
Reserves13€473k€853k▲
Non-distributable reserves130/1€500€500=
Reserves not available under the articles1311€500€500=
Distributable reserves133€473k€853k▲
Amounts payable17/49€7.33M€7.14M▼
Amounts payable after more than one year17€6.67M€6.47M▼
Financial debts170/4€6.67M€6.47M▼
Amounts payable within one year42/48€580k€598k▲
Current portion of amounts payable after more than one year42€395k€401k▲
Financial debts43€50k€63k▲
Credit institutions430/8€50k€63k▲
Trade debts44€19k€30k▲
Suppliers440/4€19k€30k▲
Taxes, remuneration and social security45€71k€13k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€66k€11k▼
Other amounts payable47/48€45k€91k▲
Accrued charges and deferred income492/3€83k€70k▼
Income statement
Code20242025
Remuneration, social security and pensions62€619k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€26k▼
Other operating charges640/8€55k€15k▼
Gross operating margin9900€491k€204k▼
Operating profit (loss)9901€-213k€135k▲
Financial income75/76B€751k€377k▼
Recurring financial income75€751k€377k▼
Financial charges65/66B€134k€132k▼
Recurring financial charges65€134k€132k▼
Profit (loss) for the period before taxes9903€404k€380k▼
Income taxes67/77€2k€330▼
Profit (loss) for the period9904€402k€380k▼
Profit (loss) for the period to be appropriated9905€402k€380k▼
Appropriation of the result
Profit (loss) to be appropriated9906€402k€380k▼
Transfer to equity691/2€402k€380k▼
To other reserves6921€402k€380k▼
Social balance
Average headcount (FTE)908711.2-
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
31-12
Financial
Equity above €500kEq €872k ▲77.2%
7 profitable years in a row build equity to €872k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2019net €402k ▲1009%
Net result €402k, the highest in the series.
31-12
Financial
Equity above €200kEq €492k ▲449%
6 profitable years in a row build equity to €492k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 3.08
Current ratio from 0.76 to 3.08; short-term debt falls from €491k to €304k.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €1k ▼89.5%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 56 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, Nazareth-De Pinte · 1 establishment unit since 2018
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.
Deinzestraat 149810 Nazareth-De PinteGround area
4,112 m²
Building footprint
1,145 m²
Volume, LiDAR
5,169 m³
Parcel 44048B0211/00R002, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SOS RETAIL
since 20182.280.632.722
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048B0211/00R002 | Flanders | 4,112 m² | 1 · 1,145 m² | 7.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 310 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 310 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,759. 12,998 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-07-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.