SD KINE
ActiveSummary
SD KINE has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €94k. Its solvency ranks better than 42% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency79
Growth-
Track record67
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity ample (current ratio 4.08; short-term debt: 14.5% and cash: 27.7% of total assets), and 45.9% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
54.1%
Return on assets
37%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
46 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Turnover
€249k
EBIT margin
51.2%
Net result
€94k
Working capital
€114k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €255k
Fixed assets
€104k
Current assets
€150k
Equity and liabilities €255k
Equity
€138k
Debt
€117k
Debt finances 45.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€162k
Cash flow
€129k
Current ratio
4.08
Debt to equity
0.85
ROE
68.5%
ROA
37.0%
Interest coverage
123.29
Debt ≤ 1 year
€37k
Debt > 1 year
€80k
Income taxes
€33k
Filed annual accounts As filed with the NBB · 2025 · 44 lines
Balance sheet
Code2025
Assets
Total assets20/58€255k
Formation expenses20€0
Fixed assets21/28€104k
Intangible fixed assets21€78k
Tangible fixed assets22/27€25k
Furniture and vehicles24€25k
Financial fixed assets28€2k
Current assets29/58€150k
Amounts receivable within one year40/41€80k
Trade receivables40€15k
Other amounts receivable41€65k
Cash at bank and in hand54/58€71k
Equity and liabilities
Total equity and liabilities10/49€255k
Equity10/15€138k
Contributions10/11€44k
Reserves13€55k
Tax-exempt reserves132€55k
Profit (loss) carried forward14€39k
Amounts payable17/49€117k
Amounts payable after more than one year17€80k
Financial debts170/4€80k
Amounts payable within one year42/48€37k
Financial debts43€13k
Credit institutions430/8€13k
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€23k
Taxes450/3€23k
Income statement
Code2025
Turnover70€249k
Goods, raw materials, services and sundry goods60/61€86k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k
Other operating charges640/8€672
Gross operating margin9900€163k
Operating profit (loss)9901€127k
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€127k
Income taxes67/77€33k
Profit (loss) for the period9904€94k
Transfer to tax-exempt reserves689€55k
Profit (loss) for the period to be appropriated9905€39k
Appropriation of the result
Profit (loss) to be appropriated9906€39k
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 46 days late
NBB filing
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, Philippeville
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.
Rue Bois-Saint-Jean(ROL) 325600 PhilippevilleGround area
1,673 m²
Building footprint
356 m²
Parcel 93060C0129/00E000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93060C0129/00E000 ProtectedSite or landscape |
Wallonia | 1,673 m² | 1 · 356 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
KINE HEYMAN
BE 0711.795.304
Damme · Eq €137,937
HAMERS-SIMONS
BE 0725.868.618
Bilzen-Hoeselt · Eq €137,965
Oscar DUPONT
BE 0721.966.347
Ath · Eq €138,004
Kine Veerle Buysse
BE 0748.766.061
Wachtebeke · Eq €138,189
Spierpunt
BE 0802.041.827
Diepenbeek · Eq €137,559
Of 12,686 companies in sector 86951 we hold annual accounts for 2,142. 1,748 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
Founded13-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.