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S.D.H.

Active
Private limited companyfounded 201115 yrs activeSint-Huibrechtsstraat 7, 3700 Tongeren-Borgloon, BelgiumKBO/BCE: BE 0837.706.153
Summary

S.D.H. has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €289,916 and a net result of €15,431. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 2527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
S.D.H.ActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Other education
NACE 85599
1 site
Size
€388,389total assets 2025
Equity
€289,916
Profit
€15,431
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 70 d early0 of 3 deeds read
Why 94- Liquidity: current ratio 0.46, cash €11,519+ Sector Education (NACE 85)+ Size: total assets €388,389+ Figures for FY 2025 (filed 22-05-2026)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 53% of its sector peers (NACE 85, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+12
equity 74.6% of total assets
Liquidity 52+1
short-term debt 13.0% · cash 3.0%
Profitability 74-16
return on assets 4.0%
Bankruptcy probability, 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 0.1% (3,751 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▲ +9.6% vs 03-2025 05-2025: 0.1%▲ +6.6% vs 04-2025 06-2025: 0.1%▲ +1.0% vs 05-2025highest value 07-2025: 0.1%▼ -46.9% vs 06-2025lowest value 08-2025: 0.1%● 0.0% vs 07-2025lowest value 09-2025: 0.1%● 0.0% vs 08-2025lowest value 10-2025: 0.1%● 0.0% vs 09-2025lowest value 11-2025: 0.1%● 0.0% vs 10-2025lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%● 0.0% vs 02-2026lowest value 04-2026: 0.1%▲ +9.6% vs 03-2026 05-2026: 0.1%▲ +5.3% vs 04-2026 06-2026: 0.1%▲ +31.7% vs 05-2026 07-2026: 0.1%● 0.0% vs 06-2026 08-2026: 0.1%● 0.0% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%▼ -7.6% vs 09-2026
  • Sector Education (NACE 85) lowers the probability
  • Size: total assets €388,389 lowers the probability for this profile
  • Figures for FY 2025 (filed 22-05-2026) lowers the probability
  • Liquidity: current ratio 0.46, cash €11,519 raises the probability
Credit up to €25,000 at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.55 in 2024; short-term debt: 13% and cash: 3% of total assets), and 25.4% 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 85, micro). Better than this share of them on solvency 75%, liquidity 37%, profitability 48%, growth against the median 53%. 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
lowers risk · Sector Education (NACE 85)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: total assets €388,389
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 22-05-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.46, cash €11,519
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
70 d early
2024
42 d early
2023
44 d early
2022
42 d early
2021
26 d early
2020
88 d early
2019
36 d early
← 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 50 days before the deadline; the sector median for financial year 2024 is 16 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. Usually files around 19 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Result fell in 2025from €73,098 to €15,431 ▼ 78.9% View
  • Positive: Among the best 11% on equitysector median €32,555 · 2,532 companies €289,916 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 5 profitable years in a rowprofit 2025: €15,431 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€388,389
Profit
€15,431
Solvency
74.6%
Total assets▼ 11.2%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 22-05-2026Annual accounts filed
  2. 19-06-2025Annual accounts filed
  3. 17-06-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other educationNACE 85599
Founded
08-07-2011
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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