SDP
ActiveSummary
SDP has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €30k. Equity is growing by ~54.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 4.39 against 3.91 in 2024; short-term debt: 21.1% and cash: 61.5% of total assets), and 21.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
78.6%
Return on assets
23.1%
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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
22 d late
2022
153 d late
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€102k▲ 41.7%
2024 · €72k
2022: €15k
2023: €37k
2024: €72k
2022 → 2025
Total assets
€130k▲ 37.8%
2024 · €94k
2022: €37k
2023: €77k
2024: €94k
2022 → 2025
Net result
€30k▼ 14.9%
2024 · €35k
2022: €13k
2023: €23k
2024: €35k
2022 → 2025
Working capital
€93k▲ 43.1%
2024 · €65k
2022: €11k
2023: €30k
2024: €65k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€37k▲ 151%€72k▲ 96.4%€102k▲ 41.7%
Operating result€18k-€31k▲ 71.2%€46k▲ 47.8%€38k▼ 16.4%
Net result€13k-€23k▲ 70.9%€35k▲ 54.6%€30k▼ 14.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€10k ▲ 36.4%
Current assets
€120k ▲ 37.9%
Equity and liabilities €130k
Equity
€102k ▲ 41.7%
Debt
€28k ▲ 25.1%
Debt's share of the balance-sheet total falls from 23.6% to 21.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €48k
Cash flow
€32k▼
2024 · €37k
Current ratio
4.39▲
2024 · 3.91
Debt to equity
0.27▼
2024 · 0.31
ROE
29.5%▼
2024 · 49.1%
ROA
23.1%▼
2024 · 37.5%
Interest coverage
44.48▼
2024 · 47.40
Debt ≤ 1 year
€27k▲
2024 · €22k
Income taxes
€9k▼
2024 · €10k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€94k€130k▲
Fixed assets21/28€7k€10k▲
Tangible fixed assets22/27€7k€10k▲
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26-€2k
Current assets29/58€87k€120k▲
Amounts receivable within one year40/41€7k€17k▲
Trade receivables40€6k€15k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€43k€80k▲
Deferred charges and accrued income490/1€37k€24k▼
Equity and liabilities
Total equity and liabilities10/49€94k€130k▲
Equity10/15€72k€102k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€71k€101k▲
Amounts payable17/49€22k€28k▲
Amounts payable within one year42/48€22k€27k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€21k€24k▲
Taxes450/3€20k€22k▲
Remuneration and social security454/9€802€1k▲
Accrued charges and deferred income492/3€2€494▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€7k€-7k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€56k€35k▼
Operating profit (loss)9901€46k€38k▼
Financial income75/76B€130€2k▲
Recurring financial income75€130€2k▲
Financial charges65/66B€1k€914▼
Recurring financial charges65€1k€914▼
Profit (loss) for the period before taxes9903€45k€39k▼
Income taxes67/77€10k€9k▼
Profit (loss) for the period9904€35k€30k▼
Profit (loss) for the period to be appropriated9905€35k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€101k▲
Profit (loss) brought forward from the previous period14P€35k€71k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €102k ▲41.7%
4 profitable years in a row build equity to €102k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €35k ▲54.6%
Operating result €46k, net result €35k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.91
Current ratio from 1.74 to 3.91; short-term debt falls from €40k to €22k.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 153 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Gavere · 1 establishment unit since 2022
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.
Wafelhoekstraat 1/A0029890 GavereGround area
1,480 m²
Building footprint
218 m²
Volume, LiDAR
911 m³
Parcel 44016A0691/00_000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fiscamentor
since 20222.327.621.106
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016A0691/00_000 | Flanders | 1,480 m² | 1 · 218 m² | 6.5 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 4,716 EUR awarded · 4,716 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,418 EUR | 1,418 EUR |
| 2023 | 1 | 3,298 EUR | 3,298 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,479 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
Founded06-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.