S.D.D.
ActiveSummary
S.D.D. has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292,470 and a net result of €138,404. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 33% of 10522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-18
Solvency47▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity tight (current ratio 1.0 against 0.94 in 2024; short-term debt: 75% and cash: 10.1% of total assets), and 77.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
22.4%
Return on assets
10.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
10 d early
2023
42 d early
2022
on the day
2021
42 d early
2020
41 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 21 January (5 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€292,470▲ 3.0%
2024 · €284,066
Total assets
€1.3m▼ 25.1%
2024 · €1.7m
Net result
€138,404▼ 68.2%
2024 · €434,584
Working capital
€1,470
2024 · -€79,762
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€541,647▲ 12.9%€493,471▼ 8.9%€513,816▲ 4.1%€584,659▲ 13.8%€101,066▼ 82.7%
Net result€403,535above the sector's middle half▲ 8.3%€365,883above the sector's middle half▼ 9.3%€378,756above the sector's middle half▲ 3.5%€434,584above the sector's middle half▲ 14.7%€138,404above the sector's middle half▼ 68.2%
Equity€277,427within the sector's middle half▲ 5.1%€283,311within the sector's middle half▲ 2.1%€284,066within the sector's middle half▲ 0.3%€284,066within the sector's middle half=€292,470within the sector's middle half▲ 3.0%
Total assets€2.2mabove the sector's middle half▲ 11.2%€2.1mabove the sector's middle half▼ 7.4%€2.0mabove the sector's middle half▼ 2.4%€1.7mwithin the sector's middle half▼ 13.1%€1.3mwithin the sector's middle half▼ 25.1%
Debt€1.9m▲ 12.2%€1.8m▼ 8.8%€1.7m▼ 2.8%€1.5m▼ 15.2%€1.0m▼ 30.6%
Working capital-€593,081below the sector's middle half▲ 7.4%-€435,592below the sector's middle half▲ 26.6%-€281,461below the sector's middle half▲ 35.4%-€79,762below the sector's middle half▲ 71.7%€1,470within the sector's middle half
Solvency12.5%below the sector's middle half▼ 0.7pp13.8%below the sector's middle half▲ 1.3pp14.2%below the sector's middle half▲ 0.4pp16.3%below the sector's middle half▲ 2.1pp22.4%within the sector's middle half▲ 6.1pp
Current ratio0.69below the sector's middle half▲ 0.070.75below the sector's middle half▲ 0.060.84below the sector's middle half▲ 0.090.94below the sector's middle half▲ 0.111.00within the sector's middle half▲ 0.06
Return on assets (ROA)18.2%above the sector's middle half▼ 0.5pp17.8%above the sector's middle half▼ 0.4pp18.9%above the sector's middle half▲ 1.1pp24.9%above the sector's middle half▲ 6.1pp10.6%within the sector's middle half▼ 14.3pp
Staff (FTE)13.6above the sector's middle half▼ 4.2%12.8above the sector's middle half▼ 5.9%9.5above the sector's middle half▼ 25.8%10.2above the sector's middle half▲ 7.4%10.7above the sector's middle half▲ 4.9%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 83% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€324,100 ▼ 21.9%
Current assets
€979,835 ▼ 26.2%
Equity and liabilities €1.3m
Equity
€292,470 ▲ 3.0%
Debt
€1.0m ▼ 30.6%
Debt's share of the balance-sheet total falls from 83.7% to 77.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€222,598▼
2024 · €774,111
Cash flow
€259,937▼
2024 · €624,036
Quick ratio
0.40▼
2024 · 0.60
Debt to equity
3.46▼
2024 · 5.13
ROE
47.3%▼
2024 · 153.0%
Interest coverage
16.62▼
2024 · 35.12
Debt ≤ 1 year
€978,365▼
2024 · €1.4m
Income taxes
€40,623▼
2024 · €147,880
Staff costs
€406,381▲
2024 · €380,263
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,613 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
2.0%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,613 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €443 | €0 | - | - |
| Remuneration, social security and pensions62 | - | €403,030 | €353,866 | €380,263 | €406,381 | ▲ 6.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €193,656 | €184,076 | €191,696 | €189,451 | €121,533 | ▼ 35.9% |
| Other operating charges640/8 | - | €25,940 | €5,834 | €10,270 | €4,107 | ▼ 60.0% |
| Gross operating margin9900 | €1.1m | €1.1m | €1.1m | €1.2m | €633,087 | ▼ 45.6% |
| Operating profit (loss)9901 | €541,647 | €493,471 | €513,816 | €584,659 | €101,066 | ▼ 82.7% |
| Financial income75/76B | - | €4,828 | €11,659 | €19,849 | €91,358 | ▲ 360% |
| Recurring financial income75 | €256 | €4,828 | €11,659 | €19,849 | €20,135 | ▲ 1.4% |
| Non-recurring financial income76B | - | - | - | - | €71,222 | - |
| Financial charges65/66B | - | €16,165 | €18,510 | €22,044 | €13,396 | ▼ 39.2% |
| Recurring financial charges65 | €11,580 | €16,165 | €17,801 | €22,044 | €13,396 | ▼ 39.2% |
| Non-recurring financial charges66B | - | - | €709 | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €530,323 | €482,133 | €506,965 | €582,464 | €179,027 | ▼ 69.3% |
| Income taxes67/77 | €126,788 | €116,250 | €128,210 | €147,880 | €40,623 | ▼ 72.5% |
| Profit (loss) for the period9904 | €403,535 | €365,883 | €378,756 | €434,584 | €138,404 | ▼ 68.2% |
| Transfer from tax-exempt reserves789 | - | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €415,419 | €365,883 | €378,756 | €434,584 | €138,404 | ▼ 68.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.2m | €2.1m | €2.0m | €1.7m | €1.3m | ▼ 25.1% |
| Fixed assets21/28 | €877,489 | €757,391 | €577,430 | €415,016 | €324,100 | ▼ 21.9% |
| Intangible fixed assets21 | €45,000 | €35,000 | €25,000 | €15,000 | €5,000 | ▼ 66.7% |
| Tangible fixed assets22/27 | €824,129 | €714,031 | €544,070 | €391,656 | €310,740 | ▼ 20.7% |
| Plant, machinery and equipment23 | - | €251,971 | €148,767 | €47,171 | €46,239 | ▼ 2.0% |
| Furniture and vehicles24 | - | €215,015 | €193,222 | €177,668 | €143,709 | ▼ 19.1% |
| Other tangible fixed assets26 | - | €247,045 | €202,081 | €166,817 | €120,793 | ▼ 27.6% |
| Financial fixed assets28 | €8,360 | €8,360 | €8,360 | €8,360 | €8,360 | = |
| Current assets29/58 | €1.3m | €1.3m | €1.4m | €1.3m | €979,835 | ▼ 26.2% |
| Stocks and contracts in progress3 | €499,459 | €483,523 | €436,640 | €478,519 | €591,366 | ▲ 23.6% |
| Stocks30/36 | - | €483,523 | €436,640 | €478,519 | €591,366 | ▲ 23.6% |
| Amounts receivable within one year40/41 | €77,954 | €82,022 | €90,249 | €106,610 | €251,288 | ▲ 136% |
| Trade receivables40 | - | €77,011 | €73,085 | €72,246 | €81,463 | ▲ 12.8% |
| Other amounts receivable41 | - | €5,011 | €17,164 | €34,364 | €169,825 | ▲ 394% |
| Current investments50/53 | - | €525,156 | €499,967 | €663,123 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €758,848 | €200,136 | €393,007 | €72,814 | €131,366 | ▲ 80.4% |
| Deferred charges and accrued income490/1 | - | €5,575 | €7,074 | €5,976 | €5,815 | ▼ 2.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.2m | €2.1m | €2.0m | €1.7m | €1.3m | ▼ 25.1% |
| Equity10/15 | €277,427 | €283,311 | €284,066 | €284,066 | €292,470 | ▲ 3.0% |
| Contributions10/11 | - | €296,678 | €296,678 | €296,678 | €296,678 | = |
| Reserves13 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Non-distributable reserves130/1 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves not available under the articles1311 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Profit (loss) carried forward14 | -€31,651 | -€25,768 | -€25,012 | -€25,012 | -€16,608 | ▲ 33.6% |
| Amounts payable17/49 | €1.9m | €1.8m | €1.7m | €1.5m | €1.0m | ▼ 30.6% |
| Amounts payable within one year42/48 | €1.9m | €1.7m | €1.7m | €1.4m | €978,365 | ▼ 30.5% |
| Current portion of amounts payable after more than one year42 | - | - | - | €12,647 | €8,413 | ▼ 33.5% |
| Trade debts44 | €1.2m | €1.1m | €1.0m | €729,879 | €731,724 | ▲ 0.3% |
| Suppliers440/4 | - | €1.1m | €1.0m | €729,879 | €731,724 | ▲ 0.3% |
| Advances received on contracts in progress46 | - | €14,688 | €22,307 | €34,641 | €32,213 | ▼ 7.0% |
| Taxes, remuneration and social security45 | - | €45,523 | €54,399 | €82,139 | €76,015 | ▼ 7.5% |
| Taxes450/3 | - | €3,396 | €251 | €12,726 | €2,200 | ▼ 82.7% |
| Remuneration and social security454/9 | - | €42,127 | €54,148 | €69,413 | €73,815 | ▲ 6.3% |
| Other amounts payable47/48 | - | €565,549 | €589,350 | €547,498 | €130,000 | ▼ 76.3% |
| Accrued charges and deferred income492/3 | - | €38,488 | €11,903 | €51,189 | €33,100 | ▼ 35.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €403,535 | €365,883 | €378,756 | €434,584 | €138,404 | ▼ 68.2% |
| + Depreciation and write-downs630 | €193,656 | €184,076 | €191,696 | €189,451 | €121,533 | ▼ 35.9% |
| Operating cash flow (approximation) | €597,192 | €549,959 | €570,452 | €624,036 | €259,937 | ▼ 58.3% |
| Investment in fixed assets (approximation) | - | -€63,978 | -€11,735 | -€27,038 | -€30,617 | ▼ 13.2% |
| Change in cash | - | -€558,712 | €192,871 | -€320,193 | €58,551 | ▲ 118% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €138,404 ▼68.2%
Net result drops to €138,404, the lowest in the series.
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €434,584 ▲14.7%
Operating result €584,659, net result €434,584, both a record.
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
02-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Ingelmunster · 1 establishment unit since 1977
Ground area
3,524 m²
Building footprint
1,404 m²
Volume, LiDAR
10,273 m³
2 parcels, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
S.D.D.
since 19772.014.166.891
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007B0950/00C004 | Flanders | 2,049 m² | 1 · 156 m² | 11.1 m · 2 fl. |
| 24662H0325/00F000 | Flanders | 1,475 m² | 1 · 1,248 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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 · 1 entry · 990 EUR awarded · 990 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 990 EUR | 990 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteAarschot2.014.166.891
Dual-learning approval
4 endedWinkelbediende (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Aanvuller (so)
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Of 10,509 companies in sector 47110 we hold annual accounts for 5,853. 3,831 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded19-10-1977
Fiscal year end30-06
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID
0208:0417723966
Registered
29-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.