STÉPHAN SONNEVILLE
ActiveSTÉPHAN SONNEVILLE 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 €10.43M and a net result of €-546k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 2383 sector peers (fiscal year 2025). The company has been active since 1997 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 31-12-2025 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
12 d late
2023
6 d early
2022
4 d early
2021
21 d late
2020
19 d late
2019
28 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€10.43M▼ 7.2%
2024 · €11.23M
2018: €8.91M
2019: €9.61M
2020: €10.40M
2021: €12.18M
2022: €12.89M
2023: €11.32M
2024: €11.23M
2018 → 2025
Net result
€-546k
2024 · €339k
2018: €1.39M
2019: €1.05M
2020: €1.16M
2021: €2.19M
2022: €1.13M
2023: €-1.15M
2024: €339k
2018 → 2025
Total assets
€20.21M▼ 12.1%
2024 · €22.99M
2018: €13.49M
2019: €14.71M
2020: €18.62M
2021: €22.06M
2022: €22.08M
2023: €23.40M
2024: €22.99M
2018 → 2025
Solvency
51.6%▲ 2.7pp
2024 · 48.9%
2018: 66.1%
2019: 65.3%
2020: 55.8%
2021: 55.2%
2022: 58.4%
2023: 48.4%
2024: 48.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12.18M-€12.89M▲ 5.8%€11.32M▼ 12.2%€11.23M▼ 0.7%€10.43M▼ 7.2%
Operating result€546k-€591k▲ 8.3%€621k▲ 5.2%€754k▲ 21.4%€594k▼ 21.2%
Net result€2.19M-€1.13M▼ 48.5%€-1.15M€339k€-546k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20.21M
Fixed assets
€15.49M▼ 18.9%
Current assets
€4.71M▲ 21.5%
Equity and liabilities €20.21M
Equity
€10.43M▼ 7.2%
Debt
€9.78M▼ 16.8%
The debt ratio falls from 51.1% to 48.4%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
51.6%▲
2024 · 48.9%
ROE
-5.2%▼
2024 · 3.0%
ROA
-2.7%▼
2024 · 1.5%
Debt
€9.78M▼
2024 · €11.76M
Debt ≤ 1 year
€6.99M▼
2024 · €9.84M
Debt > 1 year
€2.68M▲
2024 · €1.92M
Income taxes
€3k▲
2024 · €-3k
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€22.99M€20.21M▼
Fixed assets21/28€19.11M€15.49M▼
Tangible fixed assets22/27€476k€32k▼
Land and buildings22€434k-
Plant, machinery and equipment23€40k-
Furniture and vehicles24€2k€32k▲
Financial fixed assets28€18.64M€15.46M▼
Current assets29/58€3.88M€4.71M▲
Amounts receivable after more than one year29€67k€57k▼
Other amounts receivable291€67k€57k▼
Amounts receivable within one year40/41€3.63M€4.60M▲
Trade receivables40€14k€179k▲
Other amounts receivable41€3.62M€4.42M▲
Current investments50/53€2k€1k▼
Cash at bank and in hand54/58€175k€51k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€22.99M€20.21M▼
Equity10/15€11.23M€10.43M▼
Contributions10/11€662k€662k=
Capital10€662k€662k=
Issued capital100€662k€662k=
Reserves13€66k€66k=
Non-distributable reserves130/1€66k€66k=
Legal reserve130€66k€66k=
Profit (loss) carried forward14€10.51M€9.70M▼
Amounts payable17/49€11.76M€9.78M▼
Amounts payable after more than one year17€1.92M€2.68M▲
Financial debts170/4€1.92M€2.68M▲
Amounts payable within one year42/48€9.84M€6.99M▼
Current portion of amounts payable after more than one year42€3.05M€82k▼
Financial debts43€4.02M€4.92M▲
Credit institutions430/8€4.02M€4.92M▲
Trade debts44€8k€56k▲
Suppliers440/4€8k€56k▲
Advances received on contracts in progress46-€78k
Taxes, remuneration and social security45€17k€3k▼
Taxes450/3€17k€3k▼
Other amounts payable47/48€2.74M€1.85M▼
Accrued charges and deferred income492/3-€109k
Income statement
Code20242025
Non-recurring operating income76A€156k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€2k▼
Other operating charges640/8€10k€51k▲
Non-recurring operating charges66A-€14k
Gross operating margin9900€799k€660k▼
Operating profit (loss)9901€754k€594k▼
Financial income75/76B€13k€152k▲
Recurring financial income75€13k€152k▲
Financial charges65/66B€431k€1.29M▲
Recurring financial charges65€431k€1.24M▲
Non-recurring financial charges66B-€54k
Profit (loss) for the period before taxes9903€336k€-543k▼
Income taxes67/77€-3k€3k▲
Profit (loss) for the period9904€339k€-546k▼
Profit (loss) for the period to be appropriated9905€339k€-546k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10.93M€9.96M▼
Profit (loss) brought forward from the previous period14P€10.59M€10.51M▼
Profit to be distributed694/7€420k€262k▼
Directors or managers695€420k€262k▼
The notes to these accounts (14 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 12 days late
17-03
State Gazette act
Board meeting · Capital increase
Bank account · Capital
2024
31-12
Financial
Back to profitnet €339k
Net result €339k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-1.15M ▼202%
Net result drops to €-1.15M, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 21 days late
2021
31-12
Financial
Highest result since 2018net €2.19M ▲89.2%
Net result €2.19M, the highest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
31-12
Financial
Equity above €10MEq €10.40M ▲8.3%
3 profitable years in a row build equity to €10.40M.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
25-07
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
11 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, Lasne · 1 establishment unit since 2001
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 du Mont-Lassy 62 B1380 LasneGround area
382 m²
Building footprint
191 m²
Volume, LiDAR
1,086 m³
Parcel 25076F0287/00D000, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MONTAGNES VERTES
since 20012.083.133.002
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0287/00D000 | Wallonia | 382 m² | 1 · 191 m² | 7.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300GUUA4Q8TDGUA82
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 5,909 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-07-1997
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
65231
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.