SOVILEP 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 €456k and a net result of €40k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 80% of 2389 sector peers (fiscal year 2025). The company has been active since 2016 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
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 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
19 d early
2024
134 d early
2023
135 d early
2022
123 d early
2021
132 d early
2020
46 d early
2019
53 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€456k▲ 0.1%
2024 · €455k
2019: €173k
2020: €251k
2021: €368k
2022: €425k
2023: €467k
2024: €455k
2019 → 2025
Net result
€40k▲ 46.3%
2024 · €28k
2019: €10k
2020: €78k
2021: €117k
2022: €61k
2023: €42k
2024: €28k
2019 → 2025
Total assets
€496k▼ 0.1%
2024 · €497k
2019: €635k
2020: €666k
2021: €667k
2022: €651k
2023: €643k
2024: €497k
2019 → 2025
Solvency
91.8%▲ 0.2pp
2024 · 91.6%
2019: 27.3%
2020: 37.7%
2021: 55.2%
2022: 65.4%
2023: 72.7%
2024: 91.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€368k-€425k▲ 15.5%€467k▲ 9.9%€455k▼ 2.6%€456k▲ 0.1%
Operating result€46k-€32k▼ 29.8%€24k▼ 24.2%€25k▲ 2.3%€-4k
Net result€117k-€61k▼ 48.0%€42k▼ 30.7%€28k▼ 34.6%€40k▲ 46.3%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €496k
Fixed assets
€489k▲ 0.3%
Current assets
€8k▼ 20.9%
Equity and liabilities €496k
Equity
€456k▲ 0.1%
Debt
€41k▼ 2.8%
The debt ratio falls from 8.4% to 8.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
91.8%▲
2024 · 91.6%
ROE
8.9%▲
2024 · 6.1%
ROA
8.2%▲
2024 · 5.6%
Debt
€41k▼
2024 · €42k
Debt ≤ 1 year
€41k▼
2024 · €42k
Income taxes
€0▼
2024 · €6k
Staff costs
€0▼
2024 · €22k
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€497k€496k▼
Fixed assets21/28€487k€489k▲
Tangible fixed assets22/27€810€2k▲
Furniture and vehicles24€810€2k▲
Financial fixed assets28€486k€486k=
Current assets29/58€10k€8k▼
Amounts receivable within one year40/41€3k€19▼
Trade receivables40€2k€0▼
Other amounts receivable41€1k€19▼
Cash at bank and in hand54/58€6k€7k▲
Deferred charges and accrued income490/1€491€252▼
Equity and liabilities
Total equity and liabilities10/49€497k€496k▼
Equity10/15€455k€456k▲
Contributions10/11€50k€50k=
Reserves13€405k€406k▲
Distributable reserves133€405k€406k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€42k€41k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€42k€41k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€1k€0▼
Credit institutions430/8€1k€0▼
Trade debts44€475€623▲
Suppliers440/4€475€623▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Remuneration and social security454/9€0-
Other amounts payable47/48€40k€40k=
Income statement
Code20242025
Remuneration, social security and pensions62€22k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€564€1k▲
Other operating charges640/8€233€106▼
Gross operating margin9900€48k€-3k▼
Operating profit (loss)9901€25k€-4k▼
Financial income75/76B€10k€45k▲
Recurring financial income75€10k€45k▲
Financial charges65/66B€562€143▼
Recurring financial charges65€562€143▼
Profit (loss) for the period before taxes9903€34k€40k▲
Income taxes67/77€6k€0▼
Profit (loss) for the period9904€28k€40k▲
Profit (loss) for the period to be appropriated9905€28k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€40k▲
Transfer from equity791/2€12k€0▼
Transfer to equity691/2€0€462▲
To other reserves6921€0€462▲
Profit to be distributed694/7€40k€40k=
Return on contributions (dividend)694€40k€40k=
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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Highest result since 2019net €117k ▲50.8%
Operating result €46k, net result €117k, both a record.
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Equity above €200kEq €251k ▲44.9%
2 profitable years in a row build equity to €251k.
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
04-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Pecq · 1 establishment unit since 2016
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 de Courtrai(PEC) 107740 PecqGround area
1,286 m²
Building footprint
115 m²
Volume, LiDAR
1,149 m³
Parcel 57062B0383/00A002, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SOVILEP
since 20162.259.277.973
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57062B0383/00A002 | Wallonia | 1,286 m² | 1 · 115 m² | 12.0 m · 3 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.
Similar companies · same sector, comparable size
FARMUPRO
BE 0847.990.727
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DIGIM
BE 0884.613.175
Oostende · Eq €456k
NH PARTNERS
BE 0743.492.330
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HNL
BE 0507.742.936
Roeselare · Eq €456k
ENORDICS
BE 0812.243.257
Gent · Eq €455k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2016
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
41001General construction of residential buildings
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.