SoVoila
ActiveSoVoila has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €23k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-2
Solvency80▼-9
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.64 against 3.11 in 2024; short-term debt: 20.7% and cash: 11.3% of total assets), and 44.9% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
55.1%
Return on assets
8.2%
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 11-08-2026, 11 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 · 3 filingsDeviation from the deadline
2025
11 d late
2024
28 d late
2023
27 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, abbreviated schema
Equity
€153k▲ 17.4%
2024 · €130k
2023: €110k
2024: €130k
2023 → 2025
Total assets
€277k▲ 35.6%
2024 · €204k
2023: €143k
2024: €204k
2023 → 2025
Net result
€23k▲ 13.0%
2024 · €20k
2023: €107k
2024: €20k
2023 → 2025
Working capital
€151k▲ 37.8%
2024 · €110k
2023: €110k
2024: €110k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€110k-€130k▲ 18.2%€153k▲ 17.4%
Operating result€136k-€29k▼ 78.6%€33k▲ 12.4%
Net result€107k-€20k▼ 81.3%€23k▲ 13.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €277k
Fixed assets
€68k▲ 60.9%
Current assets
€209k▲ 29.0%
Equity and liabilities €277k
Equity
€153k▲ 17.4%
Debt
€124k▲ 67.7%
The debt ratio rises from 36.3% to 44.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▼
2024 · €40k
Cash flow
€28k▼
2024 · €31k
Solvency
55.1%▼
2024 · 63.7%
Current ratio
3.64▲
2024 · 3.11
Quick ratio
3.64▲
2024 · 3.11
Debt / equity
0.81▲
2024 · 0.57
ROE
14.8%▼
2024 · 15.4%
ROA
8.2%▼
2024 · 9.8%
Interest coverage
16.86▼
2024 · 27.27
Debt
€124k▲
2024 · €74k
Debt ≤ 1 year
€57k▲
2024 · €52k
Debt > 1 year
€67k▲
2024 · €22k
Income taxes
€8k▲
2024 · €8k
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€204k€277k▲
Fixed assets21/28€42k€68k▲
Tangible fixed assets22/27€42k€68k▲
Furniture and vehicles24€42k€68k▲
Current assets29/58€162k€209k▲
Amounts receivable within one year40/41€159k€168k▲
Trade receivables40€37k€1k▼
Other amounts receivable41€122k€167k▲
Cash at bank and in hand54/58€1k€31k▲
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€204k€277k▲
Equity10/15€130k€153k▲
Contributions10/11€3k€3k=
Outside capital11€3k€3k=
Other1109/19€3k€3k=
Profit (loss) carried forward14€127k€150k▲
Amounts payable17/49€74k€124k▲
Amounts payable after more than one year17€22k€67k▲
Financial debts170/4€22k€67k▲
Amounts payable within one year42/48€52k€57k▲
Current portion of amounts payable after more than one year42€9k€27k▲
Financial debts43€1-
Credit institutions430/8€1-
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€41k€17k▼
Taxes450/3€41k€17k▼
Other amounts payable47/48-€9k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€5k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€43k€40k▼
Operating profit (loss)9901€29k€33k▲
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€28k€31k▲
Income taxes67/77€8k€8k▲
Profit (loss) for the period9904€20k€23k▲
Profit (loss) for the period to be appropriated9905€20k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€150k▲
Profit (loss) brought forward from the previous period14P€107k€127k▲
The notes to these accounts (8 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Equity above €150kEq €153k ▲17.4%
3 profitable years in a row build equity to €153k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €20k ▼81.3%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waterloo · 1 establishment unit since 2022
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.
Clos de la Clairière 51410 WaterlooGround area
870 m²
Building footprint
164 m²
Volume, LiDAR
1,298 m³
Parcel 25764N0833/00K008, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SoVoila
since 20222.336.936.767
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764N0833/00K008 | Wallonia | 870 m² | 1 · 164 m² | 10.9 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.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.
Contact details
2 entriesWebsite:www.sovoila.be
E-mail:gregory@sovoila.be