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S&D GESTION

Active
Private limited companyfounded 20241 yr activeAvenue Général-Hodges 16, 5500 Dinant, BelgiumKBO/BCE: BE 1018.072.903
Summary

S&D GESTION has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,345 and a net result of €14,457. Its solvency ranks better than 42% of 12860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency73▲+4
Growth78
Track record82
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 1.67; short-term debt: 52.1% and cash: 40.8% of total assets), but 52.1% of the assets are financed with debt.
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Signals

Six 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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
47.9%
Return on assets
45.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 2 filings
Deviation from the deadline
2025
20 d late
2024
8 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 6 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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 months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
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

History

S&D GESTION was incorporated on 30 December 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€15,345▲ 1,628%
2024 · €888
Total assets
€32,041▲ 1,502%
2024 · €2,000
Net result
€14,457
2024 · -€1,112
Working capital
€11,192▲ 1,160%
2024 · €888
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€1,112-€20,135
Net result-€1,112below the sector's middle half-€14,457within the sector's middle half
Equity€888below the sector's middle half-€15,345below the sector's middle half▲ 1,628%
Total assets€2,000below the sector's middle half-€32,041below the sector's middle half▲ 1,502%
Debt€1,112-€16,695▲ 1,402%
Working capital€888below the sector's middle half-€11,192within the sector's middle half▲ 1,160%
Solvency47.9%within the sector's middle half
Current ratio1.67within the sector's middle half
Return on assets (ROA)45.1%above the sector's middle half
above within below the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000Operating result 2024: -€1,112-€1,112Net result 2024: -€1,112-€1,112Operating result 2025: €20,135€20,135Net result 2025: €14,457€14,45720242025-€10,000€0€10,000€20,000Operating result 2024: -€1,112-€1,110Net result 2024: -€1,112-€1,110Operating result 2025: €20,135€20,100Net result 2025: €14,457€14,50020242025
The operating result returns to profit in 2025: €20,135 after a loss of €1,112 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32,041
Fixed assets €4,153
Current assets €27,888
Equity and liabilities €32,041
Equity €15,345 ▲ 1,628%
Debt €16,695 ▲ 1,402%
Debt's share of the balance-sheet total falls from 55.6% to 52.1%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€20,548
Cash flow
€14,870
Debt to equity
1.09
ROE
94.2%
Interest coverage
235.56
Debt ≤ 1 year
€16,695▲
2024 · €1,112
Income taxes
€5,591
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.8%
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 11,280 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet Code20242025
Assets
Total assets20/58€2,000€32,041▲
Fixed assets21/28-€4,153
Tangible fixed assets22/27-€4,153
Plant, machinery and equipment23-€1,223
Furniture and vehicles24-€2,930
Current assets29/58€2,000€27,888▲
Amounts receivable within one year40/41-€13,767
Trade receivables40-€13,767
Cash at bank and in hand54/58€2,000€13,079▲
Deferred charges and accrued income490/1-€1,042
Equity and liabilities
Total equity and liabilities10/49€2,000€32,041▲
Equity10/15€888€15,345▲
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14-€1,112€13,345▲
Amounts payable17/49€1,112€16,695▲
Amounts payable within one year42/48€1,112€16,695▲
Trade debts44€1,112€8,173▲
Suppliers440/4€1,112€8,173▲
Taxes, remuneration and social security45-€8,522
Taxes450/3-€8,522
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€413
Other operating charges640/8-€918
Gross operating margin9900-€1,112€21,467▲
Operating profit (loss)9901-€1,112€20,135▲
Financial charges65/66B-€87
Recurring financial charges65-€87
Profit (loss) for the period before taxes9903-€1,112€20,048▲
Income taxes67/77-€5,591
Profit (loss) for the period9904-€1,112€14,457▲
Profit (loss) for the period to be appropriated9905-€1,112€14,457▲
Appropriation of the result
Profit (loss) to be appropriated9906-€1,112€13,345▲
Profit (loss) brought forward from the previous period14P--€1,112

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€413-
Other operating charges640/8-€918-
Gross operating margin9900-€1,112€21,467▲ 2,031%
Operating profit (loss)9901-€1,112€20,135▲ 1,911%
Financial charges65/66B-€87-
Recurring financial charges65-€87-
Profit (loss) for the period before taxes9903-€1,112€20,048▲ 1,903%
Income taxes67/77-€5,591-
Profit (loss) for the period9904-€1,112€14,457▲ 1,400%
Profit (loss) for the period to be appropriated9905-€1,112€14,457▲ 1,400%
Line20242025Change
Assets
Total assets20/58€2,000€32,041▲ 1,502%
Fixed assets21/28-€4,153-
Tangible fixed assets22/27-€4,153-
Plant, machinery and equipment23-€1,223-
Furniture and vehicles24-€2,930-
Current assets29/58€2,000€27,888▲ 1,294%
Amounts receivable within one year40/41-€13,767-
Trade receivables40-€13,767-
Cash at bank and in hand54/58€2,000€13,079▲ 554%
Deferred charges and accrued income490/1-€1,042-
Equity and liabilities
Total equity and liabilities10/49€2,000€32,041▲ 1,502%
Equity10/15€888€15,345▲ 1,628%
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14-€1,112€13,345▲ 1,300%
Amounts payable17/49€1,112€16,695▲ 1,402%
Amounts payable within one year42/48€1,112€16,695▲ 1,402%
Trade debts44€1,112€8,173▲ 635%
Suppliers440/4€1,112€8,173▲ 635%
Taxes, remuneration and social security45-€8,522-
Taxes450/3-€8,522-
Line20242025Change
Profit (loss) for the period9904-€1,112€14,457▲ 1,400%
+ Depreciation and write-downs630-€413-
Operating cash flow (approximation)-€1,112€14,870▲ 1,437%
Change in cash-€11,079-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
20-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial Back to profitnet €14,457
Net result €14,457 after one loss-making year.
23-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Dinant · 2 establishment units since 2024
seat establishment 1 of 2 establishment units on the map
Ground area
777 m²
Building footprint
115 m²
Volume, LiDAR
738 m³
Parcel 91243C0209/00M000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
2 establishment units
S&D Gestion
Avenue Général-Hodges 16, 5500 DinantCertified accountants and tax accountants
since 20242.369.236.183
S&D Gestion
Rue Général-de-Monge, Peti. 152, 5660 CouvinCertified accountants and tax accountants
since 20242.369.236.282
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
91243C0209/00M000 Wallonia 777 m² 1 · 115 m² 8.2 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 12,173 companies in this sector we hold annual accounts for 7,643. 3,900 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded30-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
E-mail jessica.sokay@sdgestion.be
E-mail sokay1@hotmail.com
Phone +32486473840
E-mail melanie.delporte@sdgestion.beCouvin
Phone +32472884889Couvin
E-invoicing
Reachable via Peppol
Peppol ID 0208:1018072903
Also 9925:BE1018072903
Registered 17-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.