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S.D.

Active
Private limited companyfounded 199531 yrs activeWandelingstraat 2, 3000 Leuven, BelgiumKBO/BCE: BE 0455.559.510
Summary

The computed 12-month bankruptcy probability of S.D. is 2.0% (moderate). The 2024 annual accounts show equity of €115,549 and a net result of €16,421. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 21069 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
S.D.ActiveChecked score 54/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of women's outerwear
NACE 47711Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716NACE 52421
1 site
Size
€332,651total assets 2024
Staff
4.2 FTE
Equity
€115,549
Profit
€16,421
Turnover not published (abridged schema)
Financial health
54 Fair Checked score 2024
Bankruptcy chance 12 m
2.0%
Structure
Accounts 64 d overdue0 of 3 deeds read
Why 54- Figures for FY 2024 (filed 06-10-2025)- 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late- Liquidity: current ratio 2.63, cash €3,457+ Founded in 1995Show the evidence

Checked score

Score 2024
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 53% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Average
Solvency 60=
equity 34.7% of total assets
Liquidity 36-3
short-term debt 34.8% · cash 1.0%
Profitability 75-3
return on assets 4.9%
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%● 0.0% vs 11-2024 01-2025: 0.6%▼ -1.8% vs 12-2024 02-2025: 0.6%● 0.0% vs 01-2025 03-2025: 0.5%▼ -3.4% vs 02-2025 04-2025: 0.5%▲ +0.4% vs 03-2025 05-2025: 0.5%▼ -0.4% vs 04-2025 06-2025: 0.5%▼ -3.8% vs 05-2025lowest value 07-2025: 0.7%▲ +43.9% vs 06-2025 08-2025: 1.1%▲ +53.4% vs 07-2025 09-2025: 1.3%▲ +15.2% vs 08-2025 10-2025: 1.8%▲ +39.3% vs 09-2025 11-2025: 0.8%▼ -55.1% vs 10-2025 12-2025: 0.8%● 0.0% vs 11-2025 01-2026: 0.8%▼ -1.7% vs 12-2025 02-2026: 0.8%▲ +0.5% vs 01-2026 03-2026: 0.8%▼ -1.4% vs 02-2026 04-2026: 0.8%▲ +0.4% vs 03-2026 05-2026: 0.8%▲ +0.9% vs 04-2026 06-2026: 0.8%▼ -3.7% vs 05-2026 07-2026: 0.8%▲ +6.6% vs 06-2026 08-2026: 1.4%▲ +70.5% vs 07-2026 09-2026: 1.6%▲ +10.9% vs 08-2026 10-2026: 2.0%▲ +29.2% vs 09-2026highest value
  • Figures for FY 2024 (filed 06-10-2025) raises the probability
  • Founded in 1995 lowers the probability for this profile
  • 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late raises the probability
  • Liquidity: current ratio 2.63, cash €3,457 raises the probability
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.63 against 2.86 in 2023; short-term debt: 34.8% and cash: 1% of total assets), but 65.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 50%, liquidity 33%, profitability 61%, growth against the median 69%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 06-10-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1995
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Liquidity: current ratio 2.63, cash €3,457
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 10 filings
Deviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
2022
59 d late
2021
23 d late
2020
27 d late
2019
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 38 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Equity above €100,000Eq €115,549 ▲16.6%
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
  • Positive: 7 profitable years in a rowprofit 2024: €16,421 7 years View
  • Among the largest 15% on gross marginsector median €33,564 · 20,999 companies €146,153 View

By topic

Financials

Fiscal year
2024
Total assets
€332,651
Profit
€16,421
Solvency
34.7%
Total assets▲ 17.4%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 30-09-2025Annual accounts filed
  2. 31-12-2024Equity above €100,000
  3. 30-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of women's outerwearNACE 47711
Founded
28-06-1995
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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