SOBEKO
ActiveSOBEKO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €10k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 5.08 against 2.78 in 2024), and 20% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
80%
Return on assets
19.8%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
19 d late
2023
28 d early
2022
32 d late
2021
1 d early
2020
30 d early
2019
1 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
€41k▲ 29.3%
2024 · €32k
2018: €13k
2019: €22k
2020: €36k
2021: €37k
2022: €9k
2023: €16k
2024: €32k
2018 → 2025
Total assets
€51k▲ 2.7%
2024 · €50k
2018: €27k
2019: €38k
2020: €46k
2021: €48k
2022: €18k
2023: €24k
2024: €50k
2018 → 2025
Net result
€10k▼ 33.4%
2024 · €15k
2018: €4k
2019: €10k
2020: €16k
2021: €503
2022: €-28k
2023: €8k
2024: €15k
2018 → 2025
Working capital
€39k▲ 25.6%
2024 · €31k
2018: €13k
2019: €21k
2020: €35k
2021: €35k
2022: €8k
2023: €16k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€9k▼ 76.8%€16k▲ 91.8%€32k▲ 92.0%€41k▲ 29.3%
Operating result€4k-€-26k€10k€24k▲ 141%€17k▼ 31.3%
Net result€503-€-28k€8k€15k▲ 92.2%€10k▼ 33.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€2k▲ 119%
Current assets
€49k▲ 0.2%
Equity and liabilities €51k
Equity
€41k▲ 29.3%
Debt
€10k▼ 43.5%
The debt ratio falls from 36.4% to 20.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€17k▼
2024 · €24k
Cash flow
€10k▼
2024 · €15k
Solvency
80.0%▲
2024 · 63.6%
Current ratio
5.08▲
2024 · 2.78
Quick ratio
5.08▲
2024 · 2.78
Debt / equity
0.25▼
2024 · 0.57
ROE
24.7%▼
2024 · 47.9%
ROA
19.8%▼
2024 · 30.5%
Interest coverage
8.14▼
2024 · 14.97
Debt
€10k▼
2024 · €18k
Debt ≤ 1 year
€10k▼
2024 · €17k
Income taxes
€5k▼
2024 · €8k
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€50k€51k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24-€1k
Other tangible fixed assets26€1k€857▼
Current assets29/58€49k€49k▲
Amounts receivable within one year40/41€8k€6k▼
Trade receivables40€7k€2k▼
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€40k€42k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€50k€51k▲
Equity10/15€32k€41k▲
Contributions10/11€6k€8k▲
Reserves13€30k€33k▲
Distributable reserves133€30k€33k▲
Profit (loss) carried forward14€-5k€0▲
Amounts payable17/49€18k€10k▼
Amounts payable within one year42/48€17k€10k▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€8k€3k▼
Other amounts payable47/48€858€1k▲
Accrued charges and deferred income492/3€632€632=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€202€349▲
Other operating charges640/8€474€722▲
Gross operating margin9900€25k€18k▼
Operating profit (loss)9901€24k€17k▼
Financial income75/76B€121€198▲
Recurring financial income75€121€198▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€23k€15k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€15k€10k▼
Profit (loss) for the period to be appropriated9905€15k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€5k▲
Profit (loss) brought forward from the previous period14P€-20k€-5k▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
The notes to these accounts (9 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-09
Financial
Weakest financial yearnet €-28k ▼5736%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Highest result since 2018net €16k ▲67.7%
Operating result €24k, net result €16k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 5.11
Current ratio from 2.32 to 5.11; short-term debt falls from €16k to €9k.
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-04
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
2 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, Waterloo · 1 establishment unit since 2011
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.
Avenue de la Closière 411410 WaterlooGround area
595 m²
Building footprint
143 m²
Volume, LiDAR
920 m³
Parcel 25110B0591/00F003, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SOBEKO
since 20112.204.097.643
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110B0591/00F003 | Wallonia | 595 m² | 1 · 143 m² | 8.5 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.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 36,710 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.