SOFTECH CONSULTING
ActiveSummary
SOFTECH CONSULTING has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €382k and a net result of €32k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 89% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-19
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 8.96 against 8.19 in 2024; short-term debt: 9% and cash: 7.4% of total assets), and 9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
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
91%
Return on assets
7.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
42 d early
2023
42 d early
2022
54 d early
2021
53 d early
2020
43 d early
2019
44 d early
← 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, micro schema
Equity
€382k▲ 7.7%
2024 · €354k
2018: €279k
2019: €301k
2020: €279k
2021: €290k
2022: €312k
2023: €333k
2024: €354k
2018 → 2025
Total assets
€420k▲ 6.5%
2024 · €394k
2018: €304k
2019: €325k
2020: €350k
2021: €307k
2022: €350k
2023: €368k
2024: €394k
2018 → 2025
Net result
€32k▲ 51.2%
2024 · €21k
2018: €15k
2019: €23k
2020: €26k
2021: €11k
2022: €33k
2023: €37k
2024: €21k
2018 → 2025
Working capital
€302k▲ 6.5%
2024 · €283k
2018: €158k
2019: €191k
2020: €178k
2021: €194k
2022: €221k
2023: €252k
2024: €283k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€290k-€312k▲ 7.9%€333k▲ 6.7%€354k▲ 6.3%€382k▲ 7.7%
Operating result€16k-€47k▲ 188%€48k▲ 1.3%€41k▼ 14.4%€41k▼ 0.4%
Net result€11k-€33k▲ 197%€37k▲ 11.3%€21k▼ 42.4%€32k▲ 51.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €420k
Fixed assets
€80k ▲ 12.3%
Current assets
€340k ▲ 5.3%
Equity and liabilities €420k
Equity
€382k ▲ 7.7%
Debt
€38k ▼ 3.9%
Debt's share of the balance-sheet total falls from 10.0% to 9.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €52k
Cash flow
€43k▲
2024 · €32k
Current ratio
8.96▲
2024 · 8.19
Debt to equity
0.10▼
2024 · 0.11
ROE
8.3%▲
2024 · 5.9%
ROA
7.6%▲
2024 · 5.3%
Interest coverage
-3914.49▼
2024 · 8.50
Debt ≤ 1 year
€38k▼
2024 · €39k
Income taxes
€12k▼
2024 · €17k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€394k€420k▲
Fixed assets21/28€71k€80k▲
Tangible fixed assets22/27€71k€66k▼
Land and buildings22€67k€63k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€3k€3k▼
Financial fixed assets28€764€14k▲
Current assets29/58€323k€340k▲
Amounts receivable within one year40/41€28k€37k▲
Trade receivables40€28k€37k▲
Current investments50/53€270k€271k▲
Cash at bank and in hand54/58€24k€31k▲
Deferred charges and accrued income490/1€929€775▼
Equity and liabilities
Total equity and liabilities10/49€394k€420k▲
Equity10/15€354k€382k▲
Contributions10/11€19k€19k=
Reserves13€130k€150k▲
Distributable reserves133€130k€150k▲
Profit (loss) carried forward14€206k€213k▲
Amounts payable17/49€39k€38k▼
Amounts payable within one year42/48€39k€38k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€13k€22k▲
Taxes450/3€12k€21k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€25k€14k▼
Accrued charges and deferred income492/3€30-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€74-
Gross operating margin9900€54k€54k▲
Operating profit (loss)9901€41k€41k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€6k€-13▼
Recurring financial charges65€6k€-13▼
Profit (loss) for the period before taxes9903€38k€43k▲
Income taxes67/77€17k€12k▼
Profit (loss) for the period9904€21k€32k▲
Profit (loss) for the period to be appropriated9905€21k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€227k€238k▲
Profit (loss) brought forward from the previous period14P€206k€206k▲
Transfer to equity691/2€21k€20k▼
To other reserves6921€21k€20k▼
Profit to be distributed694/7-€5k
Directors or managers695-€5k
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €37k ▲11.3%
Operating result €48k, net result €37k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €11k ▼58.2%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 12.33
Current ratio from 3.50 to 12.33; short-term debt falls from €71k to €17k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Rebecq · 1 establishment unit since 1991
Ground area
2,014 m²
Building footprint
271 m²
Volume, LiDAR
1,504 m³
2 parcels, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SOFTECH CONSULTING
since 19912.051.438.845
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25090G0120/00C004 | Wallonia | 1,088 m² | 1 · 111 m² | 10.5 m · 3 fl. |
| 25090G0120/00P003 | Wallonia | 926 m² | 1 · 160 m² | 5.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450052FBB49B058B64
Similar companies · same sector, comparable size
JADE INFORMATICS
BE 0466.029.372
Koekelare · Eq €382,636
EAST CONSULTING
BE 0466.098.064
Grimbergen · Eq €380,010
InSystems
BE 0458.324.802
Kontich · Eq €379,928
JCG-IT
BE 0879.503.255
Beringen · Eq €377,290
MEDIA PRISME LIST
BE 0462.716.526
Waterloo · Eq €386,828
Of 2,725 companies in sector 63100 we hold annual accounts for 1,271. 873 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
Founded31-01-1991
Fiscal year end31-12
Activities, NACEBEL 2025
63100Computing infrastructure, data processing, hosting and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:couckephilippe@gmail.com