Summary
SOBAFER 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 €326k and a net result of €61k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 490 sector peers (fiscal year 2025). The company has been active since 2018 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 check for your own amount and term
Signals
1 signal. 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 08-07-2026, 23 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
23 d early
2024
22 d early
2023
15 d early
2022
27 d early
2021
31 d late
2020
17 d late
2019
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€326k▲ 22.9%
2024 · €265k
2019: €126k
2020: €171k
2021: €188k
2022: €225k
2023: €225k
2024: €265k
2019 → 2025
Net result
€61k▲ 50.0%
2024 · €41k
2019: €45k
2020: €45k
2021: €16k
2022: €37k
2023: €-22
2024: €41k
2019 → 2025
Total assets
€994k▲ 1.5%
2024 · €980k
2019: €140k
2020: €176k
2021: €188k
2022: €243k
2023: €227k
2024: €980k
2019 → 2025
Solvency
32.8%▲ 5.7pp
2024 · 27.1%
2019: 90.2%
2020: 97.1%
2021: 99.7%
2022: 92.5%
2023: 99.2%
2024: 27.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€188k-€225k▲ 19.8%€225k=€265k▲ 18.0%€326k▲ 22.9%
Operating result€20k-€56k▲ 174%€-653€58k€109k▲ 90.2%
Net result€16k-€37k▲ 127%€-22€41k€61k▲ 50.0%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 90% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €994k
Fixed assets
€846k ▼ 2.9%
Current assets
€148k ▲ 36.5%
Equity and liabilities €994k
Equity
€326k ▲ 22.9%
Debt
€668k ▼ 6.5%
Debt's share of the balance-sheet total falls from 72.9% to 67.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
18.6%▲
2024 · 15.3%
ROA
6.1%▲
2024 · 4.1%
Debt ≤ 1 year
€95k▲
2024 · €79k
Debt > 1 year
€573k▼
2024 · €635k
Income taxes
€25k▲
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€980k€994k▲
Fixed assets21/28€871k€846k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€871k€846k▼
Land and buildings22€867k€843k▼
Plant, machinery and equipment23€4k€3k▼
Current assets29/58€108k€148k▲
Amounts receivable within one year40/41€43k€40k▼
Trade receivables40€18k€40k▲
Other amounts receivable41€25k-
Cash at bank and in hand54/58€65k€109k▲
Deferred charges and accrued income490/1€3-
Equity and liabilities
Total equity and liabilities10/49€980k€994k▲
Equity10/15€265k€326k▲
Contributions10/11€33k€33k=
Outside capital11€33k€33k=
Other1109/19€33k€33k=
Reserves13€11k€11k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Other1319€230€230=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€221k€282k▲
Amounts payable17/49€715k€668k▼
Amounts payable after more than one year17€635k€573k▼
Financial debts170/4€635k€573k▼
Amounts payable within one year42/48€79k€95k▲
Current portion of amounts payable after more than one year42€60k€62k▲
Trade debts44€407€614▲
Suppliers440/4€407€614▲
Taxes, remuneration and social security45€19k€32k▲
Taxes450/3€19k€32k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€25k▲
Other operating charges640/8€21k€25k▲
Gross operating margin9900€98k€160k▲
Operating profit (loss)9901€58k€109k▲
Financial charges65/66B€4k€23k▲
Recurring financial charges65€4k€23k▲
Profit (loss) for the period before taxes9903€54k€86k▲
Income taxes67/77€14k€25k▲
Profit (loss) for the period9904€41k€61k▲
Profit (loss) for the period to be appropriated9905€41k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€221k€282k▲
Profit (loss) brought forward from the previous period14P€181k€221k▲
The notes to these accounts (10 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
17-08
State Gazette act
Reappointments: Bremhove nv, Enzo Ide and Jacky BonamiAppointment: Bremhove nv (mandataire pour la gestion journalière) · Permanent representative: Joris Ide · Mandate compensation17 facts ▸
State Gazette act
Reappointments: Bremhove nv, Enzo Ide and Jacky Bonami
Appointment: Bremhove nv (mandataire pour la gestion journalière) · Permanent representative: Joris Ide · Mandate compensation17 facts ▸
- General meeting, 09/06/2026
- Board meeting, 09/06/2026
- Director reappointment, Bremhove nv (director)
- Director reappointment, Enzo Ide (director)
- Director reappointment, Jacky Bonami (director)
- Mandate compensation, Bremhove nv
- Mandate compensation, Enzo Ide
- Mandate compensation, Jacky Bonami
- Power of attorney, Wouter Adriansens
- Power of attorney, Ivan Van den Bulcke
- Power of attorney, Frank Dick
- Director appointment, Bremhove nv (mandataire pour la gestion journalière)
- +5 further facts in this act
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2019net €61k ▲50%
Operating result €109k, net result €61k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-22 ▼100%
Net result drops to €-22, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 9current ratio 99.67
Current ratio from 11.08 to 99.67; short-term debt falls from €18k to €2k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €200kEq €225k ▲19.8%
4 profitable years in a row build equity to €225k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Liquidity times 9current ratio 222.32
Current ratio from 26.14 to 222.32; short-term debt falls from €5k to €654.
Show earlier events
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 26.14
Current ratio from 7.00 to 26.14; short-term debt falls from €14k to €5k.
31-12
Financial
Equity above €150kEq €171k ▲35.7%
2 profitable years in a row build equity to €171k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26105353). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
BREMHOVE
CurrentDirector · since 09-06-2026 · Public limited company · perm. rep.: Joris Ide
Enzo Ide
CurrentDirector · since 09-06-2026
Jacky Bonami
CurrentDirector · since 09-06-2026
09-06-2026
BREMHOVE: Mandate renewed as Director
09-06-2026
BREMHOVE: Appointed as Mandataire pour la gestion journalière
09-06-2026
Enzo Ide: Mandate renewed as Director
09-06-2026
Jacky Bonami: Mandate renewed as Director
Location & real-estate footprint
Registered office, Flémalle · 1 establishment unit since 2018
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 des Semailles 314400 FlémalleGround area
8,135 m²
Building footprint
2,596 m²
Volume, LiDAR
22,556 m³
Parcel 62055C0231/00F000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SOBAFER
since 20182.341.825.072
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62055C0231/00F000 | Wallonia | 8,135 m² | 1 · 2,596 m² | 11.4 m · 3 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.
Structure & network
Connections & network
5 connected companiesLinked via shared directors
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Show 1 more companies with a shared director
Shared corporate director
→
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Of 591 companies in sector 66300 we hold annual accounts for 365. 242 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68321Property management for co-owned buildings (syndics)
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.