S&D Advisory is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €11k and a net result of €9k. Its solvency ranks better than 28% of 5507 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€11k
Net result
€9k
Total assets
€41k
Solvency
27.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Equity and liabilities €41k
Equity
€11k
Debt
€29k
Debt finances 72.3% of the balance-sheet total.
Key figures and ratios
Solvency
27.7%
ROE
77.8%
ROA
21.6%
Debt
€29k
Debt ≤ 1 year
€29k
Income taxes
€2k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€41k
Current assets29/58€41k
Amounts receivable within one year40/41€26k
Trade receivables40€26k
Other amounts receivable41€135
Cash at bank and in hand54/58€7k
Deferred charges and accrued income490/1€8k
Equity and liabilities
Total equity and liabilities10/49€41k
Equity10/15€11k
Contributions10/11€3k
Reserves13€9k
Distributable reserves133€9k
Amounts payable17/49€29k
Amounts payable within one year42/48€29k
Trade debts44€9k
Suppliers440/4€9k
Advances received on contracts in progress46€18k
Taxes, remuneration and social security45€2k
Taxes450/3€2k
Income statement
Code2025
Other operating charges640/8€400
Gross operating margin9900€11k
Operating profit (loss)9901€11k
Financial charges65/66B€20
Recurring financial charges65€20
Profit (loss) for the period before taxes9903€11k
Income taxes67/77€2k
Profit (loss) for the period9904€9k
Profit (loss) for the period to be appropriated9905€9k
Appropriation of the result
Profit (loss) to be appropriated9906€9k
Transfer to equity691/2€9k
To other reserves6921€9k
Social balance
Average headcount (FTE)90870.0
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
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, Kasterlee · 1 establishment unit since 2025
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.
Isschot 112460 KasterleeGround area
1,023 m²
Building footprint
270 m²
Volume, LiDAR
1,298 m³
Parcel 13017C0114/00F000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S&D Advisory
since 20252.372.879.722
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017C0114/00F000 | Flanders | 1,023 m² | 1 · 270 m² | 8.3 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 5,472 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2025
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
63920Other information service activities
68110Buying and selling of own real estate
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.