SOYEUR & PONCIN
ActiveSOYEUR & PONCIN 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 €575k and a net result of €584k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 37% of 1457 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €575k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
34 d early
2023
35 d early
2022
48 d early
2021
40 d early
2020
12 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, abbreviated schema
Equity
€575k▲ 10.5%
2024 · €520k
2018: €58k
2019: €56k
2020: €57k
2021: €40k
2022: €42k
2023: €518k
2024: €520k
2018 → 2025
Net result
€584k▲ 9.8%
2024 · €532k
2018: €200k
2019: €263k
2020: €381k
2021: €473k
2022: €602k
2023: €1.08M
2024: €532k
2018 → 2025
Total assets
€2.10M▼ 12.6%
2024 · €2.40M
2018: €1.38M
2019: €1.40M
2020: €1.41M
2021: €1.46M
2022: €2.32M
2023: €2.73M
2024: €2.40M
2018 → 2025
Solvency
27.4%▲ 5.7pp
2024 · 21.7%
2018: 4.2%
2019: 4.0%
2020: 4.0%
2021: 2.7%
2022: 1.8%
2023: 19.0%
2024: 21.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€42k▲ 5.1%€518k▲ 1,145%€520k▲ 0.5%€575k▲ 10.5%
Operating result€660k-€841k▲ 27.4%€1.47M▲ 74.3%€731k▼ 50.1%€802k▲ 9.7%
Net result€473k-€602k▲ 27.4%€1.08M▲ 78.8%€532k▼ 50.5%€584k▲ 9.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.10M
Fixed assets
€878k▼ 19.3%
Current assets
€1.22M▼ 7.1%
Equity and liabilities €2.10M
Equity
€575k▲ 10.5%
Debt
€1.52M▼ 19.0%
The debt ratio falls from 78.3% to 72.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
27.4%▲
2024 · 21.7%
ROE
101.7%▼
2024 · 102.3%
ROA
27.8%▲
2024 · 22.2%
Debt
€1.52M▼
2024 · €1.88M
Debt ≤ 1 year
€855k▼
2024 · €992k
Debt > 1 year
€668k▼
2024 · €860k
Income taxes
€205k▲
2024 · €185k
Staff costs
€568k▲
2024 · €464k
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€2.40M€2.10M▼
Fixed assets21/28€1.09M€878k▼
Intangible fixed assets21€880k€701k▼
Tangible fixed assets22/27€207k€175k▼
Land and buildings22€149k€133k▼
Plant, machinery and equipment23€29k€24k▼
Furniture and vehicles24€29k€19k▼
Financial fixed assets28€450€1k▲
Current assets29/58€1.31M€1.22M▼
Amounts receivable within one year40/41€178k€114k▼
Trade receivables40€1€2k▲
Other amounts receivable41€178k€112k▼
Current investments50/53€541k€438k▼
Cash at bank and in hand54/58€578k€650k▲
Deferred charges and accrued income490/1€16k€18k▲
Equity and liabilities
Total equity and liabilities10/49€2.40M€2.10M▼
Equity10/15€520k€575k▲
Contributions10/11€31k€31k=
Reserves13€485k€540k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€482k€537k▲
Profit (loss) carried forward14€4k€4k▼
Amounts payable17/49€1.88M€1.52M▼
Amounts payable after more than one year17€860k€668k▼
Financial debts170/4€860k€668k▼
Amounts payable within one year42/48€992k€855k▼
Current portion of amounts payable after more than one year42€201k€200k▼
Trade debts44€92k€68k▼
Suppliers440/4€92k€68k▼
Taxes, remuneration and social security45€168k€52k▼
Taxes450/3€116k€26▼
Remuneration and social security454/9€51k€52k▲
Other amounts payable47/48€532k€534k▲
Accrued charges and deferred income492/3€29k€901▼
Income statement
Code20242025
Remuneration, social security and pensions62€464k€568k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€207k€211k▲
Other operating charges640/8€6k€8k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€1.41M€1.59M▲
Operating profit (loss)9901€731k€802k▲
Financial income75/76B€10k€5k▼
Recurring financial income75€10k€5k▼
Financial charges65/66B€23k€18k▼
Recurring financial charges65€23k€18k▼
Profit (loss) for the period before taxes9903€718k€789k▲
Income taxes67/77€185k€205k▲
Profit (loss) for the period9904€532k€584k▲
Profit (loss) for the period to be appropriated9905€532k€584k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.02M€589k▼
Profit (loss) brought forward from the previous period14P€484k€4k▼
Transfer to equity691/2€482k€55k▼
To other reserves6921€482k€55k▼
Profit to be distributed694/7€530k€530k=
Employees696€530k€530k=
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (24 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
07-08
State Gazette act
Resignations & appointmentsGeneral meeting · Permanent representative2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Permanent representative2 facts ▸
- General meeting, 30/06/2026
- Permanent representative, Martin Soyeur
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €1.08M ▲78.8%
Operating result €1.47M, net result €1.08M, both a record.
31-12
Financial
Equity above €500kEq €518k ▲1145%
6 profitable years in a row build equity to €518k.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hotton · 6 establishment units since 1992
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 la Libération 186990 HottonGround area
7,725 m²
Building footprint
530 m²
Volume, LiDAR
785 m³
6 parcels, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
6 establishment units
Marche, Avenue du Monument 3, 6900 Marche-en-Famenne
since 19922.056.396.337
Rue des Jardins 52, 6600 Bastogne
since 19972.056.396.238
Corniche-de-Deister 8-E, 6980 La Roche-en-Ardenne
since 19982.056.396.436
Rue de la Libération 18, 6990 Hotton
since 20032.142.970.223
SOYEUR & PONCIN
since 20162.268.363.509
Rue Albert Clément,NEU 9, 6840 Neufchâteau
since 20222.323.870.273
6 parcels
Wallonia
6
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82302B0706/00A000 | Wallonia | 4,101 m² | 1 · 29 m² | - |
| 83034A0595/00R005 | Wallonia | 1,035 m² | 1 · 70 m² | - |
| 83006C0533/00A002 | Wallonia | 829 m² | 1 · 155 m² | - |
| 83031A0718/00W000 | Wallonia | 775 m² | 1 · 119 m² | - |
| 84043A0598/00E000 | Wallonia | 587 m² | 1 · 113 m² | 9.0 m · 2 fl. |
| 83028D0251/00K000 | Wallonia | 397 m² | 1 · 45 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,670 companies in sector 66220 we hold annual accounts for 3,216. 2,515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-1991
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:benoit.soyeur@dvv.be
E-mail:benoit.soyeur@lap.be
Phone:0475-754090