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S&D Company

Active
Private limited companyfounded 2020active for 6 yearsGrote Parijsstraat 3, 1980 Zemst, BelgiumKBO/BCE: BE 0748.496.045

From the official registers: KBO 6 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

S&D Company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €954,341 and a net result of €951,341. Equity has been growing by about 68% per year since 2020. Its solvency ranks better than 19% of 21,130 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

KBO
Status
Active since 12-06-2020 Normal situation
Activity
Computer consultancy and computer facilities management NACE 62200and 2 others
Establishment unit
2.317.751.553 1980 Zemst, since 12-06-2020
Financial year end
31 December
Peppol
Reachable

Board and ownership

Board
  • De Hertogh StevenDirector · since 11-06-2020

Financial position

94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€273,470
▲ 4.1%
Turnover
≈ €720,000
estimated
Profit
€951,341
▲ 418%
Equity
€954,341
▲ 318×
Total assets
€5.6m
▼ 1.4%
Filed on 03-07-2026, 28 days before the deadlineat the National Bank
Score breakdownraises riskLiquidity: current ratio 0.01, cash €53,910lowers riskSize: total assets €5.6mSector: Computer programming, consultancy and related activities (NACE 62)Figures for financial year 2025 (filed on 03-07-2026)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 54% of small companies in computer programming and consultancy (NACE 62)
Financial strength · tick: 2024
Average
Solvency 42+17
equity 17.1% of total assets
Liquidity 6+4
short-term debt 82.9% · cash 1.0%
Profitability 90+17
return on assets 17.1%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (1,167 companies, NACE 62, small)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.2%▲ +0.1 percentage points vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.1%▼ -0.1 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.2%▲ +0.1 percentage points vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026highest value 08-2026: 0.1%▼ -0.1 percentage points vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026lowest value
Credit of up to €85,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.01 (0.02 in 2024), below 1. Short-term debt is 82.9% and cash 1% of total assets. 82.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, small). It does better than 25% of them on solvency, 5% on liquidity, 85% on profitability and 99% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €5.6m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.01, cash €53,910
NBB · annual accounts
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Figures for financial year 2025 (filed on 03-07-2026)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 21130 sector peers (2025).
NBB · sector comparison
Position among 21130 sector peers
Solvency
better than 19%
← weakest strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
28 days early
2024
28 days early
2023
26 days early
2022
26 days early
2021
on the day
2020
19 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 21 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Result rose in 2025from €183,567 to €951,341 ▲ 418% View
  • Positive: Higher net result than 95% of companies in computer programming and consultancysector median €28,635 · 21,136 companies €951,341 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Positive: 6 profitable years in a rowprofit 2025: €951,341 6 years View

Comparable companies

These companies have the same main activity as S&D Company: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €3.7m and €7.8m, founded between 2018 and 2020.

CompanyTotal assetsGross margin
S&D Company Zemst€5.6m€0.3m
J&J Company Zemst€5.6m€0.3m
EDU-TECH Aarschot€6.3m€0.3m
GeoSquare Procurement Edegem€7.8m€0.3m
VADAGROUP Zele€3.7m€0.3m
SWM9 Turnhout€4.2m€0.2m
ZUCI SYSTEMS Brussel€4.0m€0.2m
Full comparison

Documents

Annual accounts at the NBB

All 6 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about S&D Company

What is the company number of S&D Company?
The company number of S&D Company is 0748.496.045. The VAT number is the same number with BE in front: BE 0748.496.045.
Where is S&D Company based?
The registered office is at Grote Parijsstraat 3, 1980 Zemst.Company details
What does S&D Company do?
According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
What is the legal form of S&D Company?
The legal form of S&D Company is Private limited company (BV).
When was S&D Company founded?
S&D Company was founded on 12-06-2020.
Is S&D Company still active?
Yes, S&D Company is an active enterprise in the KBO register.
What is the turnover of S&D Company?
The turnover in financial year 2025 is ≈ €720,000. This figure is estimated from the gross margin of €273,470 and 133 comparable companies (NACE 62200). It probably lies between €490,000 and €1.1m.Financials
Is S&D Company profitable?
In financial year 2025, S&D Company made a profit of €951,341.
Where can I find the annual accounts of S&D Company?
S&D Company filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of S&D Company due?
S&D Company must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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