SISOPHAG has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.99M and a net result of €-111k. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 4157 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
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 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
16 d early
2022
21 d early
2021
1 d late
2020
2 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€959k▼ 7.6%
2024 · €1.04M
2019: €772k
2020: €653k
2021: €659k
2022: €721k
2023: €1.02M
2024: €1.04M
2019 → 2025
EBIT margin
-10.8%▼ 13.1pp
2024 · 2.2%
2019: 7.6%
2020: 0.2%
2021: 4.4%
2022: 4.5%
2023: 9.1%
2024: 2.2%
2019 → 2025
Net result
€-111k
2024 · €425k
2019: €24k
2020: €-15k
2021: €-3k
2022: €176k
2023: €675k
2024: €425k
2019 → 2025
Working capital
€-276k▼ 57.5%
2024 · €-175k
2019: €-447k
2020: €-846k
2021: €-839k
2022: €-653k
2023: €-371k
2024: €-175k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€659k-€721k▲ 9.4%€1.02M▲ 41.7%€1.04M▲ 1.5%€959k▼ 7.6%
Equity€829k-€1.01M▲ 21.3%€1.68M▲ 67.1%€2.10M▲ 25.3%€1.99M▼ 5.3%
Operating result€29k-€33k▲ 12.7%€93k▲ 184%€23k▼ 75.1%€-104k
Net result€-3k-€176k€675k▲ 283%€425k▼ 37.0%€-111k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €104k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.57M
Fixed assets
€2.31M▼ 0.7%
Current assets
€261k▼ 20.0%
Equity and liabilities €2.57M
Equity
€1.99M▼ 5.3%
Debt
€578k▲ 5.3%
The debt ratio rises from 20.7% to 22.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
77.5%▼
2024 · 79.3%
ROE
-5.6%▼
2024 · 20.2%
ROA
-4.3%▼
2024 · 16.0%
Debt
€578k▲
2024 · €549k
Debt ≤ 1 year
€537k▲
2024 · €501k
Debt > 1 year
€41k▼
2024 · €48k
Income taxes
€587▼
2024 · €19k
Staff costs
€180k▲
2024 · €170k
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€2.65M€2.57M▼
Fixed assets21/28€2.33M€2.31M▼
Intangible fixed assets21€4k€10k▲
Tangible fixed assets22/27€927k€904k▼
Land and buildings22€778k€807k▲
Furniture and vehicles24€143k€92k▼
Other tangible fixed assets26€5k€5k=
Financial fixed assets28€1.40M€1.40M=
Affiliated companies280/1€1.39M€1.39M=
Participating interests280€1.39M€1.39M=
Other financial fixed assets284/8€2k€2k=
Shares284€2k€2k=
Amounts receivable and cash guarantees285/8€205€205=
Current assets29/58€326k€261k▼
Amounts receivable within one year40/41€296k€249k▼
Trade receivables40€43k€103k▲
Other amounts receivable41€253k€146k▼
Cash at bank and in hand54/58€18k€9k▼
Deferred charges and accrued income490/1€12k€4k▼
Equity and liabilities
Total equity and liabilities10/49€2.65M€2.57M▼
Equity10/15€2.10M€1.99M▼
Contributions10/11€402k€402k=
Capital10€402k€402k=
Issued capital100€402k€402k=
Reserves13€233k€233k=
Non-distributable reserves130/1€40k€40k=
Legal reserve130€40k€40k=
Distributable reserves133€193k€193k=
Profit (loss) carried forward14€1.47M€1.36M▼
Amounts payable17/49€549k€578k▲
Amounts payable after more than one year17€48k€41k▼
Financial debts170/4€48k€41k▼
Credit institutions173€48k€41k▼
Amounts payable within one year42/48€501k€537k▲
Current portion of amounts payable after more than one year42€8k€16k▲
Financial debts43€3k€36k▲
Credit institutions430/8€3k€36k▲
Trade debts44€15k€82k▲
Suppliers440/4€15k€82k▲
Taxes, remuneration and social security45€35k€66k▲
Taxes450/3€11k€33k▲
Remuneration and social security454/9€24k€33k▲
Other amounts payable47/48€439k€336k▼
Income statement
Code20242025
Operating income70/76A€1.13M€1.13M▼
Turnover70€1.04M€959k▼
Other operating income74€95k€166k▲
Non-recurring operating income76A-€4k
Operating charges60/66A€1.11M€1.23M▲
Goods for resale, raw materials and consumables60€260k€168k▼
Purchases600/8€260k€168k▼
Services and other goods61€542k€748k▲
Remuneration, social security and pensions62€170k€180k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107k€101k▼
Other operating charges640/8€29k€24k▼
Non-recurring operating charges66A-€12k
Operating profit (loss)9901€23k€-104k▼
Financial income75/76B€425k€437▼
Recurring financial income75€425k€437▼
Income from financial fixed assets750€425k€350▼
Other financial income752/9€3€87▲
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Debt charges650€5k€6k▲
Other financial charges652/9€10€434▲
Profit (loss) for the period before taxes9903€443k€-110k▼
Income taxes67/77€19k€587▼
Taxes670/3€19k€26k▲
Tax adjustments and reversals of tax provisions77-€25k
Profit (loss) for the period9904€425k€-111k▼
Profit (loss) for the period to be appropriated9905€425k€-111k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.47M€1.36M▼
Profit (loss) brought forward from the previous period14P€1.04M€1.47M▲
Social balance
Average headcount (FTE)90870.92.0▲
The notes to these accounts (53 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Weakest financial yearnet €-111k ▼126%
Net result drops to €-111k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Equity above €2MEq €2.10M ▲25.3%
3 profitable years in a row build equity to €2.10M.
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Highest result since 2019net €675k ▲283%
Operating result €93k, net result €675k, both a record.
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Back to profitnet €176k
Net result €176k after 2 loss-making years.
30-06
Financial
Equity above €1MEq €1.01M ▲21.3%
Equity rises from €829k to €1.01M.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Oostende · 1 establishment unit since 2005
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.
Vindictivelaan 118400 OostendeGround area
1,407 m²
Building footprint
351 m²
Volume, LiDAR
5,186 m³
2 parcels, Flanders, Wallonia · tallest building 29.9 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
SISOPHAG SA
since 20052.147.963.743
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92123C0304/00D000 | Wallonia | 1,181 m² | 1 · 126 m² | - |
| 35013A1287/00B000 | Flanders | 226 m² | 1 · 225 m² | 29.9 m · 9 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.
Recognitions · licences · registrations
Legal Entity Identifier
5299008DVME6YR5BWO26
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Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 2,355 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-06-2005
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.