So Immo
ActiveThe computed 12-month bankruptcy probability of So Immo is 2.0% (moderate). The 2025 annual accounts show equity of €13.97M and a net result of €-15k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 79% of 13071 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency66=
Growth78=
Stability100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €420k at 30 days only on tighter terms
Liquidity short (current ratio 0.1 against 0.29 in 2024), and 35.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
64.1%
Return on assets
-0.1%
Age of the figures
8 mo
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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
13 d early
2023
33 d early
2022
27 d early
2021
20 d early
2020
6 d late
2019
10 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-15k▲ 73.3%
2024 · €-55k
2018: €-108k
2019: €-23k
2020: €-6k
2021: €49k
2022: €155k
2023: €762k
2024: €-55k
2018 → 2025
Working capital
€-801k▼ 40.0%
2024 · €-572k
2018: €-164k
2019: €-181k
2020: €-180k
2021: €-149k
2022: €-61k
2023: €166k
2024: €-572k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13.57M-€13.73M▲ 1.1%€14.04M▲ 2.3%€13.99M▼ 0.4%€13.97M▼ 0.1%
Operating result€49k-€156k▲ 216%€110k▼ 29.4%€182k▲ 65.1%€244k▲ 34.1%
Net result€49k-€155k▲ 215%€762k▲ 391%€-55k€-15k▲ 73.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 34% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21.80M
Fixed assets
€21.71M▲ 1.6%
Current assets
€92k▼ 59.8%
Equity and liabilities €21.80M
Equity
€13.97M▼ 0.1%
Debt
€7.83M▲ 3.0%
The debt ratio rises from 35.2% to 35.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€245k
Cash flow
€-14k
Solvency
64.1%▼
2024 · 64.8%
Current ratio
0.10▼
2024 · 0.29
Quick ratio
0.10▼
2024 · 0.29
Debt / equity
0.56▲
2024 · 0.54
ROE
-0.1%▲
2024 · -0.4%
ROA
-0.1%▲
2024 · -0.3%
Interest coverage
0.88
Debt
€7.83M▲
2024 · €7.60M
Debt ≤ 1 year
€893k▲
2024 · €801k
Debt > 1 year
€6.83M▲
2024 · €6.71M
Income taxes
€554
Staff costs
€193k▲
2024 · €189k
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€21.59M€21.80M▲
Fixed assets21/28€21.36M€21.71M▲
Tangible fixed assets22/27-€4k
Furniture and vehicles24-€4k
Financial fixed assets28€21.36M€21.71M▲
Current assets29/58€229k€92k▼
Amounts receivable within one year40/41€178k€63k▼
Trade receivables40€43k€54k▲
Other amounts receivable41€136k€9k▼
Cash at bank and in hand54/58€48k€14k▼
Deferred charges and accrued income490/1€3k€15k▲
Equity and liabilities
Total equity and liabilities10/49€21.59M€21.80M▲
Equity10/15€13.99M€13.97M▼
Contributions10/11€13.72M€13.72M=
Reserves13€10k€10k=
Tax-exempt reserves132€10k€10k=
Profit (loss) carried forward14€255k€240k▼
Amounts payable17/49€7.60M€7.83M▲
Amounts payable after more than one year17€6.71M€6.83M▲
Financial debts170/4€6.71M€6.83M▲
Amounts payable within one year42/48€801k€893k▲
Current portion of amounts payable after more than one year42€442k€573k▲
Trade debts44€21k€7k▼
Suppliers440/4€21k€7k▼
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€957€1k▲
Remuneration and social security454/9€8k€8k▲
Other amounts payable47/48€330k€304k▼
Accrued charges and deferred income492/3€97k€111k▲
Income statement
Code20242025
Remuneration, social security and pensions62€189k€193k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€270
Other operating charges640/8€1k€1k▲
Gross operating margin9900€372k€439k▲
Operating profit (loss)9901€182k€244k▲
Financial income75/76B€2k€18k▲
Recurring financial income75€2k€18k▲
Financial charges65/66B€240k€277k▲
Recurring financial charges65€240k€277k▲
Profit (loss) for the period before taxes9903€-55k€-14k▲
Income taxes67/77-€554
Profit (loss) for the period9904€-55k€-15k▲
Profit (loss) for the period to be appropriated9905€-55k€-15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€255k€240k▼
Profit (loss) brought forward from the previous period14P€310k€255k▼
The notes to these accounts (13 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
21-05
State Gazette act
General meeting · Merger
Net-asset statement · Real estate
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €762k ▲391%
Net result €762k, the highest in the series.
31-12
Financial
Liquidity times 10current ratio 7.29
Current ratio from 0.71 to 7.29; short-term debt falls from €210k to €26k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €49k
Net result €49k after 3 loss-making years.
31-12
Financial
Equity above €10MEq €13.57M
Equity rises from €-176k to €13.57M.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 10 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneState Gazette actNBB 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, Chaudfontaine · 2 establishment units since 2014
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 Louveigné 1884052 ChaudfontaineGround area
3,559 m²
Building footprint
18 m²
Volume, LiDAR
45 m³
2 parcels, Wallonia · tallest building 4.4 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Rue de Louveigné 188, 4052 Chaudfontaine
since 20142.234.255.042
SOFOOD SERVICE TRAITEUR
since 20162.250.910.536
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108B0220/00L000 | Wallonia | 2,587 m² | - | - |
| 62012D0315/00N002 | Wallonia | 972 m² | 1 · 18 m² | 4.4 m · 1 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 7,476 companies in sector 56210 we hold annual accounts for 2,426. 64 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2014
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
81100Combined facilities support activities
33120Repair and maintenance of machinery
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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 entriesPhone:04 657 93 70
Fax:04 257 93 79
Phone:04/3740769