THE SOFICS COMPANY 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 €20.87M and a net result of €1.04M. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 82% of 5498 sector peers (fiscal year 2025). The company has been active since 2019 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 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
56 d early
2024
73 d early
2023
42 d early
2022
77 d early
2021
41 d early
2020
37 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
€20.87M▲ 5.3%
2024 · €19.83M
2019: €5.55M
2020: €5.55M
2021: €13.81M
2022: €14.75M
2023: €17.26M
2024: €19.83M
2019 → 2025
Net result
€1.04M▼ 59.3%
2024 · €2.57M
2019: €-7k
2020: €-2k
2021: €-37k
2022: €943k
2023: €2.51M
2024: €2.57M
2019 → 2025
Total assets
€24.00M=
2024 · €24.00M
2019: €5.56M
2020: €5.55M
2021: €21.06M
2022: €21.12M
2023: €22.46M
2024: €24.00M
2019 → 2025
Solvency
87.0%▲ 4.4pp
2024 · 82.6%
2019: 99.9%
2020: 100.0%
2021: 65.5%
2022: 69.8%
2023: 76.8%
2024: 82.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13.81M-€14.75M▲ 6.8%€17.26M▲ 17.0%€19.83M▲ 14.9%€20.87M▲ 5.3%
Operating result€-6k-€75k€48k▼ 35.2%€42k▼ 13.8%€49k▲ 17.0%
Net result€-37k-€943k€2.51M▲ 166%€2.57M▲ 2.2%€1.04M▼ 59.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24.00M
Fixed assets
€21.00M=
Current assets
€3.00M▼ 0.1%
Equity and liabilities €24.00M
Equity
€20.87M▲ 5.3%
Debt
€3.13M▼ 25.1%
The debt ratio falls from 17.4% to 13.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
87.0%▲
2024 · 82.6%
ROE
5.0%▼
2024 · 12.9%
ROA
4.4%▼
2024 · 10.7%
Debt
€3.13M▼
2024 · €4.17M
Debt ≤ 1 year
€1.07M▼
2024 · €1.07M
Debt > 1 year
€2.06M▼
2024 · €3.09M
Income taxes
€23k
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€24.00M€24.00M=
Fixed assets21/28€21.00M€21.00M=
Financial fixed assets28€21.00M€21.00M=
Current assets29/58€3.00M€3.00M▼
Amounts receivable within one year40/41€71k€42k▼
Trade receivables40€46k€42k▼
Other amounts receivable41€25k-
Current investments50/53€2.88M€2.90M▲
Cash at bank and in hand54/58€39k€48k▲
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€24.00M€24.00M=
Equity10/15€19.83M€20.87M▲
Contributions10/11€13.85M€13.85M=
Capital10€13.84M€13.84M=
Issued capital100€13.84M€13.84M=
Outside capital11€11k€11k=
Share premium1100/10€11k€11k=
Reserves13€301k€353k▲
Non-distributable reserves130/1€301k€353k▲
Legal reserve130€301k€353k▲
Profit (loss) carried forward14€5.67M€6.67M▲
Amounts payable17/49€4.17M€3.13M▼
Amounts payable after more than one year17€3.09M€2.06M▼
Financial debts170/4€3.09M€2.06M▼
Amounts payable within one year42/48€1.07M€1.07M▼
Current portion of amounts payable after more than one year42€1.03M€1.03M=
Trade debts44€42k€37k▼
Suppliers440/4€42k€37k▼
Taxes, remuneration and social security45€2k€506▼
Taxes450/3€2k€506▼
Accrued charges and deferred income492/3€16k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55-
Other operating charges640/8€1k€229▼
Non-recurring operating charges66A€247-
Gross operating margin9900€43k€49k▲
Operating profit (loss)9901€42k€49k▲
Financial income75/76B€2.58M€1.05M▼
Recurring financial income75€2.58M€1.05M▼
Financial charges65/66B€60k€36k▼
Recurring financial charges65€60k€36k▼
Profit (loss) for the period before taxes9903€2.57M€1.07M▼
Income taxes67/77-€23k
Profit (loss) for the period9904€2.57M€1.04M▼
Profit (loss) for the period to be appropriated9905€2.57M€1.04M▼
Appropriation of the result
Profit (loss) to be appropriated9906€5.80M€6.72M▲
Profit (loss) brought forward from the previous period14P€3.23M€5.67M▲
Transfer to equity691/2€128k€52k▼
To the legal reserve6920€128k€52k▼
The notes to these accounts (7 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2019net €2.57M ▲2.2%
Net result €2.57M, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.80
Current ratio from 1.36 to 2.80.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 13current ratio 1.36
Current ratio from 0.10 to 1.36; short-term debt falls from €1.22M to €1.07M.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €943k
Net result €943k after 3 loss-making years.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €10MEq €13.81M ▲149%
Equity rises from €5.55M to €13.81M.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Sint-Martens-Latem · 1 establishment unit since 2019
Ground area
1,925 m²
Building footprint
499 m²
Volume, LiDAR
2,558 m³
2 parcels, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NEPTUNUS HOLDING
since 20192.288.226.238
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0425/00V000 | Flanders | 1,219 m² | 1 · 333 m² | 5.8 m · 1 fl. |
| 44064B0441/00B009 | Flanders | 706 m² | 1 · 166 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 4,203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-01-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
77400Rental and leasing activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.