SoVeMa
ActiveSoVeMa 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 €685k and a net result of €55k. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 7962 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 26-02-2026, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
3 d early
2023
2 d early
2022
on the day
2021
on the day
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close13-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€685k▲ 6.7%
2024 · €642k
2019: €210k
2020: €370k
2021: €446k
2022: €522k
2023: €586k
2024: €642k
2019 → 2025
Net result
€55k▼ 19.0%
2024 · €68k
2019: €27k
2020: €176k
2021: €76k
2022: €97k
2023: €64k
2024: €68k
2019 → 2025
Total assets
€917k▲ 0.7%
2024 · €911k
2019: €828k
2020: €771k
2021: €794k
2022: €899k
2023: €861k
2024: €911k
2019 → 2025
Solvency
74.7%▲ 4.2pp
2024 · 70.5%
2019: 25.4%
2020: 48.0%
2021: 56.2%
2022: 58.0%
2023: 68.1%
2024: 70.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€446k-€522k▲ 17.0%€586k▲ 12.3%€642k▲ 9.6%€685k▲ 6.7%
Operating result€128k-€140k▲ 9.6%€109k▼ 22.3%€115k▲ 5.8%€105k▼ 8.4%
Net result€76k-€97k▲ 27.4%€64k▼ 33.7%€68k▲ 6.0%€55k▼ 19.0%
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 8% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €917k
Fixed assets
€747k▼ 4.3%
Current assets
€170k▲ 30.3%
Equity and liabilities €917k
Equity
€685k▲ 6.7%
Debt
€232k▼ 13.8%
The debt ratio falls from 29.5% to 25.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
74.7%▲
2024 · 70.5%
ROE
8.0%▼
2024 · 10.6%
ROA
6.0%▼
2024 · 7.5%
Debt
€232k▼
2024 · €269k
Debt ≤ 1 year
€232k▼
2024 · €268k
Income taxes
€28k▼
2024 · €33k
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€911k€917k▲
Fixed assets21/28€780k€747k▼
Tangible fixed assets22/27€780k€747k▼
Land and buildings22€778k€745k▼
Plant, machinery and equipment23€2k€2k▼
Current assets29/58€131k€170k▲
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€1k€1k▼
Other amounts receivable41€245€98▼
Cash at bank and in hand54/58€94k€144k▲
Deferred charges and accrued income490/1€35k€25k▼
Equity and liabilities
Total equity and liabilities10/49€911k€917k▲
Equity10/15€642k€685k▲
Contributions10/11€125k€125k=
Reserves13€472k€514k▲
Tax-exempt reserves132€47€47=
Distributable reserves133€472k€514k▲
Profit (loss) carried forward14€45k€46k▲
Amounts payable17/49€269k€232k▼
Amounts payable within one year42/48€268k€232k▼
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Other amounts payable47/48€254k€219k▼
Accrued charges and deferred income492/3€995-
Income statement
Code20242025
Non-recurring operating income76A€15k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€53k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€169k€161k▼
Operating profit (loss)9901€115k€105k▼
Financial income75/76B€245€96▼
Recurring financial income75€245€96▼
Financial charges65/66B€15k€22k▲
Recurring financial charges65€15k€22k▲
Profit (loss) for the period before taxes9903€101k€83k▼
Income taxes67/77€33k€28k▼
Profit (loss) for the period9904€68k€55k▼
Transfer to tax-exempt reserves689€47-
Profit (loss) for the period to be appropriated9905€68k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€100k▼
Profit (loss) brought forward from the previous period14P€44k€45k▲
Transfer from equity791/2€12k€12k=
Transfer to equity691/2€67k€54k▼
To other reserves6921€67k€54k▼
Profit to be distributed694/7€12k€12k=
Return on contributions (dividend)694€12k€12k=
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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-09
State Gazette act
Board meeting · Director appointment
Permanent representative
31-08
Financial
Equity above €500kEq €522k ▲17%
4 profitable years in a row build equity to €522k.
07-07
State Gazette act
General meeting · Name change
Corporate purpose · Capital · Sebastiaan-Willem VERBERT
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
Financial
Highest result since 2019net €176k ▲558%
Operating result €284k, net result €176k, both a record.
19-05
State Gazette act
General meeting · Director appointment
Director resignation · Director reappointment
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-05
State Gazette act
General meeting · Director resignation
Director reappointment · Permanent representative
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2011
29-04
State Gazette act
General meeting · Capital increase
Capital · Director resignation
05-04
State Gazette act
General meeting · Capital increase
Capital · Director resignation
27-01
State Gazette act
General meeting · Director appointment
Permanent representative
Financial milestoneState Gazette actNBB 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, Nieuwpoort · 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.
Pemenhoek 118620 NieuwpoortGround area
676 m²
Building footprint
174 m²
Volume, LiDAR
864 m³
Parcel 38402E0161/00E003, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SoVeMa
since 20112.198.563.297
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402E0161/00E003 | Flanders | 676 m² | 1 · 174 m² | 8.3 m · 2 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.
Structure & network
Ownership & control
1 partySoVeMaBE 0832.013.342
controls
Where this company holds controlthis company sits on their board1
3 locations
Recognitions · licences · registrations
Legal Entity Identifier
6994006MQFRONSVRNP71
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,299 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2010
Fiscal year end31-08
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.