Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 15 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SOCIETE FINANCIERE ET ECONOMIQUE from Le Roeulx, company number BE0878754474, closed financial year 2025 with a result of € 222,232 after tax. For that financial year SOCIETE FINANCIERE ET ECONOMIQUE recorded a gross margin of € 19,709 and equity of € 1.2 million. Compared with financial year 2024, the result moved from € 181,230 to € 222,232. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 1.2 million
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 222,232
▲ 23% vs 2024
Profit after tax over the fiscal year.
€ 87,651
▼ 18% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 172,000 paid out
77 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 1,509
▲ 234% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 467,669
▼ 19% vs 2024
€ 110,805 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 9,510
▲ 206% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,741
▼ 71% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 49,935 | € 50,757 | € 51,616 | € 19,709 | ▼ 62% |
| Profit after taxes | € 125,988 | € 85,198 | € 181,230 | € 222,232 | ▲ 23% |
| Equity | € 950,917 | € 1,001,114 | € 1,122,344 | € 1,172,577 | ▲ 4% |
| Total debts | € 836,581 | € 704,323 | € 1,046,207 | € 926,088 | ▼ 11% |
| Cash | € 225,843 | € 130,504 | € 106,433 | € 87,651 | ▼ 18% |
| Land & buildings | € 2,079 | € 1,980 | € 1,881 | € 1,782 | ▼ 5% |
| Retained profit | € 932,317 | € 982,514 | € 1,103,744 | € 1,153,977 | ▲ 5% |
| Dividend | € 35,715 | € 35,000 | € 60,000 | € 172,000 | ▲ 187% |
| Bank debt | € 754,225 | € 645,156 | € 575,922 | € 467,669 | ▼ 19% |
| Balance sheet total | € 1,787,498 | € 1,705,437 | € 2,168,551 | € 2,098,664 | ▼ 3% |
Key figures of SOCIETE FINANCIERE ET ECONOMIQUE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to SOCIETE FINANCIERE ET ECONOMIQUE?
What happened at SOCIETE FINANCIERE ET ECONOMIQUE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 222,232 (▲ 23% vs 2024). filed late Source: NBB ↗
- PIERRE FRANCOIS stepped down as director. NBB
- PIERRE FRANCOIS became a director. NBB
- New establishment in Ecaussinnes. KBO
- Start of the company according to the CBE. KBO
In short
From € 125,988 profit in 2022 to € 222,232 profit in 2025.
Paid € 65,450 in corporate taxes since 2022.
Best year ever: 2025, with € 222,232 profit.
Paid out € 302,715 in dividends to the owners in total.
Management
Behind SOCIETE FINANCIERE ET ECONOMIQUE is SOPHIE CAMBIER. It owns 94% of ASSURANCES BOUGARD, 35% of FINANCES ET COURTAGES, 24% of BALTHAZAR&FADEMA and 10% of BOUGARD FINANCES GERPINNES itself.
Directors
According to the 2025 annual accounts
since 2024 · until 2026
Establishments
Establishment units
Physical locations of this company
Rue Victor Plancq(M) 3
7070 Le Roeulx
Rue du Moulin 2
7191 Ecaussinnes
Active since 24 January 2006
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0878.754.474
- VAT number
- BE 0878.754.474
- Registered office
- Rue Victor Plancq(M) 3, 7070 Le Roeulx
- Names & denominations
- SOCIETE FINANCIERE ET ECONOMIQUE · SOFIE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 January 2006
- Peppol
- Active · Active since 16 Sept 2025
- Activities · NACE
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