CB SOINS
ActiveCB SOINS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €51k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 16408 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent▼ -20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+27
Solvency68▼-13
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.76 against 1.22 in 2024), and 48.7% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
51.3%
Return on assets
12.1%
Age of the figures
8 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 30-08-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
14 d late
2023
18 d late
2022
30 d late
2021
29 d late
2020
3 d late
2019
58 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€218k▲ 4.3%
2024 · €209k
2018: €123k
2019: €131k
2020: €164k
2021: €185k
2022: €205k
2023: €186k
2024: €209k
2018 → 2025
Total assets
€426k▲ 19.1%
2024 · €358k
2018: €350k
2019: €471k
2020: €455k
2021: €445k
2022: €411k
2023: €392k
2024: €358k
2018 → 2025
Net result
€51k▲ 68.8%
2024 · €30k
2018: €26k
2019: €7k
2020: €33k
2021: €35k
2022: €20k
2023: €24k
2024: €30k
2018 → 2025
Working capital
€-22k
2024 · €9k
2018: €21k
2019: €-8k
2020: €-4k
2021: €-5k
2022: €36k
2023: €762
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€205k▲ 11.0%€186k▼ 9.2%€209k▲ 12.5%€218k▲ 4.3%
Operating result€55k-€30k▼ 46.0%€37k▲ 23.3%€45k▲ 23.3%€75k▲ 65.8%
Net result€35k-€20k▼ 42.4%€24k▲ 18.8%€30k▲ 26.6%€51k▲ 68.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 66% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €426k
Fixed assets
€355k▲ 15.3%
Current assets
€71k▲ 42.8%
Equity and liabilities €426k
Equity
€218k▲ 4.3%
Debt
€208k▲ 40.0%
The debt ratio rises from 41.5% to 48.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€98k▲
2024 · €65k
Cash flow
€74k▲
2024 · €50k
Solvency
51.3%▼
2024 · 58.5%
Current ratio
0.76▼
2024 · 1.22
Quick ratio
0.76▼
2024 · 1.22
Debt / equity
0.95▲
2024 · 0.71
ROE
23.6%▲
2024 · 14.6%
ROA
12.1%▲
2024 · 8.5%
Interest coverage
18.46▲
2024 · 12.87
Debt
€208k▲
2024 · €148k
Debt ≤ 1 year
€94k▲
2024 · €41k
Debt > 1 year
€114k▲
2024 · €107k
Income taxes
€20k▲
2024 · €12k
Staff costs
€26k
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€358k€426k▲
Fixed assets21/28€308k€355k▲
Tangible fixed assets22/27€308k€355k▲
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26€300k€348k▲
Current assets29/58€50k€71k▲
Amounts receivable within one year40/41€42k€53k▲
Trade receivables40€1k€1k▲
Other amounts receivable41€41k€52k▲
Cash at bank and in hand54/58€7k€17k▲
Deferred charges and accrued income490/1€786€825▲
Equity and liabilities
Total equity and liabilities10/49€358k€426k▲
Equity10/15€209k€218k▲
Contributions10/11€13k€13k=
Reserves13€197k€206k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€17k€17k=
Distributable reserves133€178k€187k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€148k€208k▲
Amounts payable after more than one year17€107k€114k▲
Financial debts170/4€107k€114k▲
Amounts payable within one year42/48€41k€94k▲
Current portion of amounts payable after more than one year42€32k€37k▲
Trade debts44€1k€200▼
Suppliers440/4€1k€200▼
Taxes, remuneration and social security45€363€17k▲
Taxes450/3€363€8k▲
Remuneration and social security454/9-€9k
Other amounts payable47/48€7k€40k▲
Accrued charges and deferred income492/3€150€150=
Income statement
Code20242025
Remuneration, social security and pensions62-€26k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€22k▲
Other operating charges640/8€4k€8k▲
Gross operating margin9900€69k€132k▲
Operating profit (loss)9901€45k€75k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€43k€72k▲
Income taxes67/77€12k€20k▲
Profit (loss) for the period9904€30k€51k▲
Profit (loss) for the period to be appropriated9905€30k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€51k▲
Transfer from equity791/2€7k€42k▲
Transfer to equity691/2€30k€51k▲
To other reserves6921€30k€51k▲
Profit to be distributed694/7€7k€42k▲
Return on contributions (dividend)694€7k€42k▲
The notes to these accounts (15 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2018net €51k ▲68.8%
Operating result €75k, net result €51k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Equity above €200kEq €209k ▲12.5%
7 profitable years in a row build equity to €209k.
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €205k ▲11%
5 profitable years in a row build equity to €205k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
31-12
Financial
Equity above €150kEq €164k ▲25.4%
3 profitable years in a row build equity to €164k.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €7k ▼72%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Tournai · 1 establishment unit since 2009
Ground area
2,412 m²
Building footprint
208 m²
Volume, LiDAR
1,072 m³
Parcel 57085A0010/00R000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Clos Edmond Leclercq(WAR) 119, 7548 Tournai
since 20092.234.587.317
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57085A0010/00R000 | Wallonia | 2,412 m² | 1 · 208 m² | 7.2 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.
Similar companies · same sector, comparable size
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ZorgPlus
BE 0808.628.622
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VINDEVOGEL ROSANNE
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Of 5,969 companies in sector 86940 we hold annual accounts for 1,796. 1,326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-05-2009
Fiscal year end31-12
Activities, NACEBEL
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.