SOTREFI
ActiveSOTREFI has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €-493. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 11206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.3 against 2.68 in 2024), and 29.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
70.9%
Return on assets
-0.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
27 d early
2023
43 d early
2022
41 d early
2021
39 d early
2020
15 d early
2019
36 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▼ 1.1%
2024 · €45k
2018: €12k
2019: €15k
2020: €23k
2021: €26k
2022: €37k
2023: €50k
2024: €45k
2018 → 2025
Total assets
€62k▼ 13.4%
2024 · €72k
2018: €45k
2019: €35k
2020: €50k
2021: €46k
2022: €61k
2023: €74k
2024: €72k
2018 → 2025
Net result
€-493▲ 70.2%
2024 · €-2k
2018: €194
2019: €3k
2020: €8k
2021: €7k
2022: €10k
2023: €13k
2024: €-2k
2018 → 2025
Working capital
€42k▲ 0.5%
2024 · €42k
2018: €2k
2019: €3k
2020: €19k
2021: €28k
2022: €37k
2023: €45k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€37k▲ 39.2%€50k▲ 34.7%€45k▼ 10.1%€44k▼ 1.1%
Operating result€9k-€15k▲ 61.6%€18k▲ 26.1%€-286€-159▲ 44.4%
Net result€7k-€10k▲ 48.7%€13k▲ 23.4%€-2k€-493▲ 70.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €159 in 2025 against €286 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€2k▼ 58.2%
Current assets
€60k▼ 9.6%
Equity and liabilities €62k
Equity
€44k▼ 1.1%
Debt
€18k▼ 33.6%
The debt ratio falls from 38.0% to 29.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€3k▼
2024 · €4k
Cash flow
€3k▲
2024 · €2k
Solvency
70.9%▲
2024 · 62.0%
Current ratio
3.30▲
2024 · 2.68
Quick ratio
3.30▲
2024 · 2.68
Debt / equity
0.41▼
2024 · 0.61
ROE
-1.1%▲
2024 · -3.7%
ROA
-0.8%▲
2024 · -2.3%
Interest coverage
15.74▲
2024 · 11.39
Debt
€18k▼
2024 · €27k
Debt ≤ 1 year
€18k▼
2024 · €25k
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€72k€62k▼
Fixed assets21/28€6k€2k▼
Tangible fixed assets22/27€6k€2k▼
Plant, machinery and equipment23€970€60▼
Furniture and vehicles24€5k€2k▼
Current assets29/58€66k€60k▼
Amounts receivable within one year40/41€52k€21k▼
Trade receivables40€52k€21k▼
Other amounts receivable41€317€373▲
Cash at bank and in hand54/58€11k€36k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€72k€62k▼
Equity10/15€45k€44k▼
Contributions10/11€6k€6k=
Reserves13€40k€38k▼
Distributable reserves133€40k€38k▼
Profit (loss) carried forward14€-2k€-198▲
Amounts payable17/49€27k€18k▼
Amounts payable within one year42/48€25k€18k▼
Trade debts44€12k€2k▼
Suppliers440/4€12k€2k▼
Taxes, remuneration and social security45€1k€1k=
Taxes450/3€1k€1k=
Other amounts payable47/48€12k€15k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€735€702▼
Gross operating margin9900€5k€4k▼
Operating profit (loss)9901€-286€-159▲
Financial income75/76B€24€4▼
Recurring financial income75€24€4▼
Financial charges65/66B€394€338▼
Recurring financial charges65€331€200▼
Non-recurring financial charges66B€63€137▲
Profit (loss) for the period before taxes9903€-656€-493▲
Income taxes67/77€996-
Profit (loss) for the period9904€-2k€-493▲
Profit (loss) for the period to be appropriated9905€-2k€-493▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-2k▼
Profit (loss) brought forward from the previous period14P€26€-2k▼
Transfer from equity791/2€3k€2k▼
Profit to be distributed694/7€3k-
Return on contributions (dividend)694€3k-
The notes to these accounts (7 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-2k ▼113%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €13k ▲23.4%
Operating result €18k, net result €13k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Fernelmont · 1 establishment unit since 2004
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.
Rue d'Eghezée, Forv. 355380 FernelmontGround area
1,097 m²
Building footprint
141 m²
Parcel 92047B0308/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SOTREFI SPRL
since 20042.139.141.691
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92047B0308/00P000 | Wallonia | 1,097 m² | 1 · 141 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.
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LES FERMES DE CHEZ NOUS
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TERRE D’HERBAGE
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Bel'grains
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SWEET LILLIE
BE 0713.628.703
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Of 77 companies in sector 46214 we hold annual accounts for 35. 17 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2004
Fiscal year end31-12
Activities, NACEBEL
45421
46214Wholesale trade
43211General electrical installation work
43320Joinery installation
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43341Painting of buildings
43410Roofing work
45220
45310
45432
45441
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:081/83.31.28
Fax:081/83.31.28