Sof@tech · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Sof@tech is 0.4% (very low). The 2025 annual accounts show equity of €1.18M and a net result of €213k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 58% of 176 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-04-2026, 10 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	20-04-2026	10 d early	2026-00087466
30-09-2024	30-04-2025	30-04-2025	on the day	2025-00088062
30-09-2023	30-04-2024	31-05-2024	31 d late	2024-00108615

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€213k-50.8%

Working capital€1.08M+21.1%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 20-04-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~11.9%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	43.5%	36.7%	better than 58% of 176 sector peers
Net result	€213k	€28k	better than 87% of 176 sector peers
Equity	€1.18M	€99k	better than 90% of 176 sector peers
Gross operating margin	€2.56M	€86k	better than 95% of 176 sector peers
Staff costs	€1.72M	€328k	higher than 89% of 85 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P58

Stable position over 2023-2025 · n=176-561

Net result P87

Stable position over 2023-2025 · n=176-561

Equity P90

Stable position over 2023-2025 · n=176-561

Gross operating margin P95

Stable position over 2023-2025 · n=176-560

Describes the position versus peers, not a forecast.

EBITDA

€474k

-32.6% 23-25

Net profit

€213k

-50.8% 23-25

Cash flow

€343k

-40.5% 23-25

Total assets

€2.70M

+25.0% 23-25

Equity

€1.18M

+7.2% 23-25

Working capital

€1.08M

+21.1% 23-25

Employees (FTE)

23

-12.0% 23-25

Staff costs

€1.72M

+15.3% 23-25

Income taxes

€114k

+26.1% 23-25

Dividends

€134k

- 23-25

Debt

€1.53M

+43.5% 23-25

Debt ≤ 1y

€1.33M

+61.1% 23-25

Debt > 1y

€72k

-52.4% 23-25

Current ratio

1.81

-12.9% 23-25

Quick ratio

1.75

-9.9% 23-25

Solvency

43.5%

-14.3% 23-25

Debt / equity

1.30

+33.9% 23-25

ROE

18.1%

-54.1% 23-25

ROA

7.9%

-60.7% 23-25

Interest coverage

19.28

+14.2% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	-
EBITDA	€474k
Net profit	€213k
Cash flow	€343k
Staff costs	€1.72M
Income taxes	€114k
Dividends	€134k
Total assets	€2.70M
Equity	€1.18M
Debt	€1.53M
of which ≤ 1y	€1.33M
of which > 1y	€72k
Working capital	€1.08M
Employees (FTE)	22.8

Ratios (computed)

	2025
Current ratio	1.81
Quick ratio	1.75
Working capital ratio	39.9%
Solvency	43.5%
Debt / equity	1.30
Long-term debt ratio	0.06
Interest coverage	19.28
Gross margin	-
Net margin	-
ROA	7.9%
ROE	18.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €295k · 10.9% Current assets €2.41M · 89.1%

Equity & liabilities

Equity €1.18M · 43.5% Debt €1.53M · 56.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€2.70M
Fixed assets	21/28	€295k
Intangible fixed assets	21	€26k
Tangible fixed assets	22/27	€269k
Current assets	29/58	€2.41M
Stocks & contracts in progress	3	€82k
Amounts receivable within one year	40/41	€1.52M
Cash & bank	54/58	€756k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.70M
Equity	10/15	€1.18M
Contributions / capital	10/11	€9k
Reserves	13	€1.17M
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€1.53M
Amounts payable after one year	17	€72k
Amounts payable within one year	42/48	€1.33M
Trade debts payable within one year	44	€631k
Income statement
Gross operating margin	9900	€2.56M
Operating result	9901	€344k
Financial income	75	€8k
Financial charges	65	€25k
Result before taxes	9903	€327k
Income taxes	67/77	€114k
Net result for the period	9904	€213k
Result to be appropriated	9905	€213k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Houtskoolstraat 148800 Roeselare

Establishment units

1 location

Sof@tech

Houtskoolstraat 14, 8800 RoeselareGroothandel in computers, randapparatuur en software

since 20232.343.722.611

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1.2 ha

Buildings1

Building footprint494 m²

Volume (LiDAR)1 m³

Tallest building0.1 m

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
36503C1677/00F000	Flanders	1.2 ha	1 · 494 m²	0.1 m

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

Address history · 1

18-06-2025

Registered-office move

All acts · 1 updated 1 year ago

2025

18-06-2025 Registered office moved from Houthulst to Roeselare Registered-office change

Vrijbosstraat 19 bus A, 8650 Houthulst, België → Houtskoolstraat 14, 8800 Roeselare, België

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

81 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 91

Solvency 84

Growth 52

Stability 94

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