ACTIVE

SOFINANCE

Export PDF

Financial year 2025 · closed on 31/12/2025

Net result

243,2 k €

+925.0% YoY

Gross margin

353,3 k €

+189.9% YoY

Equity

737,7 k €

+49.2% YoY

Workforce

0,3 ETP

-78.6% YoY

What does SOFINANCE do?

SOFINANCE is a Private limited company incorporated in 1999. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Tielt. It employs on average 0,3 ETP workers (FTE).

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0465.420.252

Incorporation

10/02/1999

Legal form

Private limited company

Registered office

Stationstraat 61
8700 Tielt · FlandreSee on map

Contributed capital

6 200,00 €

Latest accounts

31/12/2025

Average workforce

0,3 ETP

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (3)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

View the BCE/KBO Public Search record →

Health score

Available with a Rovalta subscriptionTry for 7 days

Recommended credit limit

✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	353,3 k €	+190%	121,9 k €	-20.6%	153,6 k €	+21.4%	126,5 k €	+3.5%	122,2 k €	-11.8%	138,5 k €	+5.2%	131,7 k €	+10.4%	119,3 k €	+32.2%	90,3 k €	+6.5%	84,8 k €	-20.1%	106,1 k €	-12.1%	120,7 k €	+33.1%	90,7 k €	+48.2%	61,2 k €	-11.4%	69,1 k €	-37.6%	110,7 k €	+71.2%	64,7 k €	-6.5%	69,2 k €	+18.0%	58,7 k €	-21.6%	74,9 k €
EBITDA	349,7 k €	+538%	54,8 k €	-36.3%	86,1 k €	+31.9%	65,3 k €	+8.6%	60,1 k €	-27.7%	83,1 k €	+22.1%	68,1 k €	-9.9%	75,6 k €	+74.1%	43,4 k €	+13.1%	38,4 k €	-32.8%	57,1 k €	-41.5%	97,6 k €	+105%	47,7 k €	+158%	18,4 k €	-24.1%	24,3 k €	-39.1%	39,9 k €	+8.4%	36,8 k €	-5.2%	38,8 k €	+11.7%	34,8 k €	-32.3%	51,4 k €
Operating result	320,1 k €	+798%	35,6 k €	-49.8%	71,1 k €	+41.9%	50,1 k €	+6.8%	46,9 k €	-30.8%	67,8 k €	+28.7%	52,7 k €	-11.7%	59,7 k €	+52.7%	39,1 k €	+20.3%	32,5 k €	-33.6%	48,9 k €	-45.1%	89,0 k €	+125%	39,6 k €	+1388%	2,7 k €	-69.2%	8,6 k €	-64.2%	24,1 k €	+22.0%	19,8 k €	+7.6%	18,4 k €	+4.6%	17,6 k €	-47.1%	33,3 k €
Net result	243,2 k €	+925%	23,7 k €	-51.9%	49,3 k €	+53.7%	32,1 k €	+8.3%	29,6 k €	-57.7%	70,0 k €	+24.5%	56,2 k €	+57.9%	35,6 k €	+19.9%	29,7 k €	-3.8%	30,9 k €	-39.0%	50,6 k €	-12.3%	57,7 k €	+121%	26,1 k €	+1937%	1,3 k €	-81.5%	6,9 k €	-54.2%	15,1 k €	-0.1%	15,1 k €	-15.1%	17,8 k €	+54.0%	11,6 k €	-52.6%	24,4 k €
Balance sheet
Equity	737,7 k €	+49.2%	494,5 k €	+4.5%	473,3 k €	+11.6%	424,0 k €	+8.2%	391,9 k €	+8.2%	362,3 k €	+24.0%	292,2 k €	+23.8%	236,0 k €	+17.8%	200,4 k €	+17.4%	170,7 k €	+22.1%	139,8 k €	+56.8%	89,1 k €	+73.4%	51,4 k €	+0.3%	51,3 k €	-60.8%	130,9 k €	+5.6%	124,0 k €	+10.8%	111,9 k €	+15.6%	96,8 k €	+18.8%	81,5 k €	+11.8%	72,9 k €
Total assets	1,2 M €	+111%	560,9 k €	-0.6%	564,0 k €	+1.1%	558,1 k €	-5.3%	589,4 k €	-2.3%	603,0 k €	+0.6%	599,2 k €	+0.5%	596,2 k €	+21.9%	489,2 k €	-4.2%	510,5 k €	+1.7%	502,1 k €	+137%	211,8 k €	+19.8%	176,8 k €	+85.2%	95,4 k €	-45.2%	174,2 k €	-2.1%	177,8 k €	+14.3%	155,7 k €	+0.3%	155,2 k €	+30.0%	119,4 k €	-2.0%	121,8 k €
Cash	57,3 k €	+173%	21,0 k €	-14.2%	24,5 k €	+88.9%	13,0 k €	-55.7%	29,3 k €	+192%	10,0 k €	+60.2%	6,2 k €	-71.5%	22,0 k €	-53.9%	47,6 k €	-27.1%	65,3 k €	+344%	14,7 k €	-87.7%	119,9 k €	+7.2%	111,8 k €	+119%	51,1 k €	+34.7%	37,9 k €	-36.5%	59,7 k €	+83.1%	32,6 k €	+50.0%	21,7 k €	-64.8%	61,7 k €	+31.9%	46,8 k €
Debts	441,9 k €	+565%	66,4 k €	-26.8%	90,7 k €	-32.4%	134,1 k €	-32.1%	197,5 k €	-18.0%	240,8 k €	-21.6%	307,0 k €	-14.8%	360,2 k €	+24.7%	288,8 k €	-15.0%	339,8 k €	-6.2%	362,3 k €	+195%	122,7 k €	+18.3%	103,7 k €	+361%	22,5 k €	+4.3%	21,6 k €	-36.8%	34,2 k €	-21.9%	43,8 k €	-25.2%	58,5 k €	+54.2%	37,9 k €	-22.6%	48,9 k €
Other
Workforce	0,3 ETP	-78.6%	1,4 ETP	0.0%	1,4 ETP	0.0%	1,4 ETP	-6.7%	1,5 ETP	+15.4%	1,3 ETP	0.0%	1,3 ETP	+8.3%	1,2 ETP	+20.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	0.0%	1,0 ETP	-16.7%	1,2 ETP	-25.0%	1,6 ETP	+45.5%	1,1 ETP	+22.2%	0,9 ETP	+12.5%	0,8 ETP	-11.1%	0,9 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 4 active · 9 ended

Active mandates

Basil Finance

Director · since 01 mars 2025 · 1010.547.780

Represented by Ilse GURDEBEKE

Active

GURDEBEKE-VAN HAL

Director · since 01 mars 2025 · 0860.899.249

Represented by Carine VAN HAL

Active

HAPOFIN

Director · 0881.084.256

Represented by Sofie POLLET

Active

LECOFIN

Director · 0500.572.260

Represented by Nicolas LECOMTE

Active

Ended mandates

HAPOFIN

Manager · since 01 janvier 2013 · 0881.084.256

Represented by Sofie POLLET

Ended

HAPOFIN

Director · since 01 janvier 2013 · 0881.084.256

Represented by Sofie POLLET

Ended

HAPOFIN

Manager · since 01 janvier 2013 · 0881.084.256

Represented by Sofie POLLET

Ended

HAPOFIN

Director · since 01 janvier 2013 · 0881.084.256

Represented by Sofie POLLET

Ended

At this address

Other companies at this address

Company	CBE no.
INSUFIN● Active	1016.608.401
INSUFIN verzekeringen● Active	0433.043.236
SoVeLeHa.BE● Active	0661.650.163

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model	Abridged model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	20/08/2026	25/06/2025	26/06/2024	29/06/2023	23/06/2022	07/07/2021
General meeting	30/05/2026	31/05/2025	25/05/2024	27/05/2023	07/05/2022	03/05/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

Looking for more information about this company?

Try for 7 days

Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Abridged model	31/12/2025	30/05/2026	20/08/2026	Dutch	PDF
Abridged model	31/12/2024	31/05/2025	25/06/2025	Dutch	PDF
Abridged model	31/12/2023	25/05/2024	26/06/2024	Dutch	PDF
Abridged model	31/12/2022	27/05/2023	29/06/2023	Dutch	PDF
Abridged model	31/12/2021	07/05/2022	23/06/2022	Dutch	PDF
Abridged model	31/12/2020	03/05/2021	07/07/2021	Dutch	PDF
Abridged model	31/12/2019	02/05/2020	02/07/2020	Dutch	PDF
Abridged model	31/12/2018	04/05/2019	25/06/2019	Dutch	PDF
Abridged model	31/12/2017	05/05/2018	30/07/2018	Dutch	PDF
Abridged model	31/12/2016	27/05/2017	29/06/2017	Dutch	PDF
Abridged model	31/12/2015	07/05/2016	28/06/2016	Dutch	PDF
Abridged model	31/12/2014	02/05/2015	13/07/2015	Dutch	PDF
Abridged model	31/12/2013	03/05/2014	01/07/2014	Dutch	PDF
Abridged model	31/12/2012	04/05/2013	10/07/2013	Dutch	PDF
Abridged model	31/12/2011	05/05/2012	25/06/2012	Dutch	PDF
Abridged model	31/12/2010	07/05/2011	21/06/2011	Dutch	PDF
Abridged model	31/12/2009	03/05/2010	09/06/2010	Dutch	PDF
Abridged model	31/12/2008	02/05/2009	17/06/2009	Dutch	PDF
Abridged model	31/12/2007	03/05/2008	27/06/2008	Dutch	PDF
Abridged model	31/12/2006	05/05/2007	02/07/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 4 active · 9 ended

Active mandates

Basil Finance

Director · since 01 mars 2025 · 1010.547.780

Represented by Ilse GURDEBEKE

Active

GURDEBEKE-VAN HAL

Director · since 01 mars 2025 · 0860.899.249

Represented by Carine VAN HAL

Active

HAPOFIN

Director · 0881.084.256

Represented by Sofie POLLET

Active

LECOFIN

Director · 0500.572.260

Represented by Nicolas LECOMTE

Active

Ended mandates

HAPOFIN

Manager · since 01 janvier 2013 · 0881.084.256

Represented by Sofie POLLET

Ended

HAPOFIN

Director · since 01 janvier 2013 · 0881.084.256

Represented by Sofie POLLET

Ended

HAPOFIN

Manager · since 01 janvier 2013 · 0881.084.256

Represented by Sofie POLLET

Ended

HAPOFIN

Director · since 01 janvier 2013 · 0881.084.256

Represented by Sofie POLLET

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Registered office25/06/2025
MAATSCHAPPELIJKE ZETEL
PDF
Mandates14/03/2025
ONTSLAGEN - BENOEMINGEN
PDF
Mandates14/12/2023
STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - WIJZIGING RECHTSVORM - MAATSCHAPPELIJKE ZETEL - DIVERSEN - ONTSLAGEN - BENOEMINGEN
PDF
Mandates05/07/2016
ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - DIVERSEN
PDF
Mandates26/03/2013
ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Registered office04/11/2009
MAATSCHAPPELIJKE ZETEL
PDF
Capital / shares23/02/2004
ALGEMENE VERGADERING - KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Mandates26/11/2002
ONTSLAGEN - BENOEMINGEN
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 2025243,2 k €↑
2024
Annual accounts 202423,7 k €↓
2023
Annual accounts 202349,3 k €↑
2022
Annual accounts 202232,1 k €↑
2021
Annual accounts 202129,6 k €↓
2020
Annual accounts 202070,0 k €↑
2019
Annual accounts 201956,2 k €↑
2018
Annual accounts 201835,6 k €↑
2017
Annual accounts 201729,7 k €↓
2016
Annual accounts 201630,9 k €↓
2015
Annual accounts 201550,6 k €↓
2014
Annual accounts 201457,7 k €↑
2013
Annual accounts 201326,1 k €↑
2012
Annual accounts 20121,3 k €↓
2011
Annual accounts 20116,9 k €↓
2010
Annual accounts 201015,1 k €↓
2009
Annual accounts 200915,1 k €↓
2008
Annual accounts 200817,8 k €↑
2007
Annual accounts 200711,6 k €↓
2006
Annual accounts 200624,4 k €
10/02/1999
IncorporationPrivate limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

SOFINANCE

Overview

What does SOFINANCE do?

Trend over 20 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline