SOTY
ActiveThe computed 12-month bankruptcy probability of SOTY is 2.6% (moderate). The 2025 annual accounts show equity of €74k and a net result of €17k. Equity is growing by ~41.8% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency9▲+2
Growth78=
Stability94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.06 in 2024), and 86.3% 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
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
13.7%
Return on assets
3.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
30 d late
2022
4 d early
2021
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€74k▲ 30.5%
2024 · €57k
2021: €6k
2022: €24k
2023: €40k
2024: €57k
2021 → 2025
Total assets
€539k▼ 5.6%
2024 · €571k
2021: €665k
2022: €647k
2023: €608k
2024: €571k
2021 → 2025
Net result
€17k▲ 5.6%
2024 · €16k
2021: €2k
2022: €18k
2023: €16k
2024: €16k
2021 → 2025
Working capital
€-199k▲ 1.0%
2024 · €-201k
2021: €-197k
2022: €-204k
2023: €-203k
2024: €-201k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€24k▲ 305%€40k▲ 65.2%€57k▲ 40.6%€74k▲ 30.5%
Operating result€7k-€32k▲ 397%€28k▼ 12.7%€28k▼ 1.0%€28k▲ 1.6%
Net result€2k-€18k▲ 807%€16k▼ 13.4%€16k▲ 2.7%€17k▲ 5.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €539k
Fixed assets
€522k▼ 6.4%
Current assets
€17k▲ 27.5%
Equity and liabilities €539k
Equity
€74k▲ 30.5%
Debt
€465k▼ 9.6%
The debt ratio falls from 90.1% to 86.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€64k▲
2024 · €64k
Cash flow
€53k▲
2024 · €52k
Solvency
13.7%▲
2024 · 9.9%
Current ratio
0.08▲
2024 · 0.06
Quick ratio
0.08▲
2024 · 0.06
Debt / equity
6.28▼
2024 · 9.06
ROE
23.4%▼
2024 · 28.9%
ROA
3.2%▲
2024 · 2.9%
Interest coverage
11.78▲
2024 · 10.18
Debt
€465k▼
2024 · €514k
Debt ≤ 1 year
€216k▲
2024 · €215k
Debt > 1 year
€248k▼
2024 · €299k
Income taxes
€6k▲
2024 · €5k
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€571k€539k▼
Fixed assets21/28€557k€522k▼
Tangible fixed assets22/27€557k€522k▼
Land and buildings22€557k€522k▼
Current assets29/58€14k€17k▲
Amounts receivable within one year40/41€2k€3k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€7k€10k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€571k€539k▼
Equity10/15€57k€74k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€53k€70k▲
Amounts payable17/49€514k€465k▼
Amounts payable after more than one year17€299k€248k▼
Financial debts170/4€299k€248k▼
Amounts payable within one year42/48€215k€216k▲
Current portion of amounts payable after more than one year42€54k€55k▲
Taxes, remuneration and social security45-€525
Taxes450/3-€525
Other amounts payable47/48€161k€161k▲
Accrued charges and deferred income492/3€486€417▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€36k=
Other operating charges640/8€2k€3k▲
Gross operating margin9900€66k€67k▲
Operating profit (loss)9901€28k€28k▲
Financial income75/76B€99€113▲
Recurring financial income75€99€113▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€22k€23k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€16k€17k▲
Profit (loss) for the period to be appropriated9905€16k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€70k▲
Profit (loss) brought forward from the previous period14P€36k€53k▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €18k ▲807%
Operating result €32k, net result €18k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, La Hulpe · 1 establishment unit since 2021
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.
Avenue de la Corniche 61310 La HulpeGround area
888 m²
Building footprint
237 m²
Volume, LiDAR
2,253 m³
2 parcels, Brussels, Wallonia · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SOTY
since 20212.319.376.205
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050F0015/00N014 | Wallonia | 694 m² | 1 · 142 m² | 11.6 m · 3 fl. |
| 21019A0183/00Z009 | Brussels | 194 m² | 1 · 94 m² | 15.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.