SOPHIMO
ActiveSOPHIMO has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €540k and a net result of €98k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+2
Solvency63=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.86 in 2024; short-term debt: 26% and cash: 34.7% of total assets), but 62.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
37.5%
Return on assets
6.8%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
31 d late
2023
9 d late
2022
31 d late
2021
27 d late
2020
1 d early
2019
on the day
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€540k▲ 4.8%
2024 · €515k
2018: €242k
2021: €346k
2022: €381k
2023: €443k
2024: €515k
2018 → 2025
Total assets
€1.44M▲ 7.0%
2024 · €1.34M
2018: €825k
2021: €1.02M
2022: €1.20M
2023: €1.32M
2024: €1.34M
2018 → 2025
Net result
€98k▲ 37.7%
2024 · €71k
2018: €-48k
2021: €246k
2022: €86k
2023: €62k
2024: €71k
2018 → 2025
Working capital
€207k▼ 7.9%
2024 · €225k
2018: €76k
2021: €304k
2022: €182k
2023: €178k
2024: €225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€346k-€381k▲ 10.4%€443k▲ 16.3%€515k▲ 16.1%€540k▲ 4.8%
Operating result€338k-€125k▼ 62.9%€88k▼ 29.5%€123k▲ 39.4%€154k▲ 25.2%
Net result€246k-€86k▼ 65.2%€62k▼ 27.7%€71k▲ 15.0%€98k▲ 37.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.44M
Fixed assets
€856k▼ 0.3%
Current assets
€582k▲ 19.7%
Equity and liabilities €1.44M
Equity
€540k▲ 4.8%
Provisions
€60k▼ 3.6%
Debt
€838k▲ 9.3%
The debt ratio rises from 57.0% to 58.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€201k▲
2024 · €160k
Cash flow
€145k▲
2024 · €108k
Solvency
37.5%▼
2024 · 38.3%
Current ratio
1.55▼
2024 · 1.86
Quick ratio
1.55▼
2024 · 1.86
Debt / equity
1.55▲
2024 · 1.49
ROE
18.2%▲
2024 · 13.9%
ROA
6.8%▲
2024 · 5.3%
Interest coverage
20.51▲
2024 · 13.81
Debt
€838k▲
2024 · €767k
Debt ≤ 1 year
€374k▲
2024 · €261k
Debt > 1 year
€464k▼
2024 · €506k
Income taxes
€50k▲
2024 · €32k
Staff costs
€50k▼
2024 · €59k
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€1.34M€1.44M▲
Fixed assets21/28€859k€856k▼
Tangible fixed assets22/27€857k€855k▼
Land and buildings22€777k€754k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€78k€99k▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€1k€1k=
Current assets29/58€486k€582k▲
Amounts receivable within one year40/41€85k€52k▼
Trade receivables40€26k€45k▲
Other amounts receivable41€60k€7k▼
Cash at bank and in hand54/58€372k€499k▲
Deferred charges and accrued income490/1€28k€30k▲
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.44M▲
Equity10/15€515k€540k▲
Contributions10/11€37k€37k=
Reserves13€225k€290k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€188k€181k▼
Distributable reserves133€33k€105k▲
Profit (loss) carried forward14€252k€212k▼
Provisions and deferred taxes16€63k€60k▼
Deferred taxes168€63k€60k▼
Amounts payable17/49€767k€838k▲
Amounts payable after more than one year17€506k€464k▼
Financial debts170/4€504k€461k▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€261k€374k▲
Current portion of amounts payable after more than one year42€50k€51k▲
Trade debts44€40k€37k▼
Suppliers440/4€40k€37k▼
Taxes, remuneration and social security45€26k€6k▼
Taxes450/3€21k€626▼
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€144k€281k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€1k▼
Remuneration, social security and pensions62€59k€50k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€47k▲
Other operating charges640/8€2k€23k▲
Non-recurring operating charges66A€53-
Gross operating margin9900€221k€274k▲
Operating profit (loss)9901€123k€154k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€25k€10k▼
Recurring financial charges65€12k€10k▼
Non-recurring financial charges66B€14k-
Profit (loss) for the period before taxes9903€101k€146k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€32k€50k▲
Profit (loss) for the period9904€71k€98k▲
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€78k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€252k€357k▲
Profit (loss) brought forward from the previous period14P€174k€252k▲
Transfer from equity791/2-€33k
Transfer to equity691/2-€105k
To other reserves6921-€105k
Profit to be distributed694/7-€73k
Return on contributions (dividend)694-€73k
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Equity above €500kEq €515k ▲16.1%
4 profitable years in a row build equity to €515k.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-12
Financial
Back to profitnet €246k
Net result €246k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
23-01-2020
KINO Philippe: Resigned as Manager
23-01-2020
Tiolants Alvice: Resigned as Manager
Location & real-estate footprint
Registered office, Aarschot · 1 establishment unit 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.
Leuvensesteenweg 1003200 AarschotGround area
544 m²
Building footprint
441 m²
Volume, LiDAR
2,717 m³
Parcel 24662E0062/00N016, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Leuvensesteenweg 100, 3200 Aarschot
since 20142.233.439.054
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662E0062/00N016 | Flanders | 544 m² | 1 · 441 m² | 10.7 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.
Similar companies · same sector, comparable size
Gestion Logement Namur - Agence Immobilière Sociale
BE 0440.644.373
Namur · Eq €540k
LTC FINANCE
BE 0455.273.161
Tienen · Eq €540k
SONNENHOF AG
BE 0440.717.718
Sankt Vith · Eq €539k
SALENKO BEHEER
BE 0406.806.518
Kapellen · Eq €539k
CASULA SPRL
BE 0669.936.537
Somme-Leuze · Eq €540k
Of 11,750 companies in sector 68310 we hold annual accounts for 6,907. 4,489 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-1985
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.