S.D.L.

Active

Public limited companyfounded 1990active for 36 yearsAvenue Léon Jourez 68, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 0441.680.986

Summary

S.D.L. has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €205,150 and a net result of €13,613. Equity is growing by about 42% per year across the filed financial years. Its solvency ranks better than 58% of 12,672 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisFollow Report Compare

S.D.L.ActiveChecked score 86/100

Risk analysis Report Compare

Activity

Retail sale of household textiles and bedding

NACE 47512Retail sale of chocolate and confectionery NACE 47242

4 sites

Size

€466,995total assets 2025

Staff: 1.1 FTE
Equity: €205,150
Profit: €13,613

Financial health

86 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.4%

Structure

Largest shareholder: STUDIO GROUP · 50%

MB & C° ConsultingDirector · permanent representative Benoit MARGERY
STUDIO MANAGEMENTDirector · permanent representative Yves MARGERY
WHAT'S UP ON LINEDirector · permanent representative Luc THEWISSEN

2025 accounts 22 days early3 of 6 deeds summarised

Why 86raises risk1 change of registered office in 24 monthsSector: Retail trade (NACE 47)1 of the last 3 latelowers riskLiquidity: current ratio 1.69, cash €182,946Show the evidence

Checked score

Score 2025

86 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 74% of its sector peers (NACE 47, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 69-6

equity 43.9% of total assets

Liquidity 87+12

short-term debt 29.6% · cash 39.2%

Profitability 72-28

return on assets 2.9%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,242 companies, NACE 47, micro)

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: 0.1%● unchanged vs 05-2025lowest value 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.2%▲ +0.1 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.5%▲ +0.3 percentage points vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.6%▲ +0.1 percentage points vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.7%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 0.4%▼ -0.3 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026

Credit of up to €17,000 on 30-day terms is acceptable

Liquidity ample (current ratio 1.69, compared with 1.4 in 2024, above the usual 1.5; short-term debt: 29.6% and cash: 39.2% of total assets), but 56.1% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 59% on solvency, 89% on liquidity, 56% on profitability and 94% on growth.

The bankruptcy probability was computed on 25-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

1 change of registered office in 24 months

Belgian Official Gazette

Liquidity: current ratio 1.69, cash €182,946

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

1 of the last 3 late

NBB · filings

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

22 days early

2024

28 days late

2023

40 days late

2022

16 days late

2021

29 days late

2020

31 days early

2019

26 days late

← 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 12 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

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 28 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

26-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

09-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
24-02-2026 Resignation: Luc THEWISSEN (director)Appointment: SRL WHAT'S UP ON…
31-12-2025 Equity above €200,000equity €205,150 ▲124%

Key points

Positive: Equity rose in 2025from €91,538 to €205,150 ▲ 124% View
Caution: Board changedlatest change 01-02-2026 · 3 in office 3 joined · 4 left View
Positive: 6 profitable years in a rowprofit 2025: €13,613 6 years View

By topic

Financials

Financial year: 2025
Total assets: €466,995
Profit: €13,613
Solvency: 43.9%

Turnover▲ 12.7%

Net result

20182024

Go to Financials

Board & ownership

Board: 3 members
Largest shareholder: STUDIO GROUP · 50%

MB & C° ConsultingDirector
STUDIO MANAGEMENTDirector
WHAT'S UP ON LINEDirector

Go to Board & ownership

Network & group

Connected companies: 3

Go to Network & group

Timeline

Events: 42
Since: 1992
Next accounts: by 31-07-2027

29-12-2025Registered office
22-12-2025Resignations: WAIMBERG Simon, WAIMBERG Deborah and WAIMBERG…
28-08-2025Annual accounts filed

Go to Timeline

Company details

Sites: 4

Legal form: Public limited company
Activity: Retail sale of household textiles and beddingNACE 47512
Founded: 09-10-1990
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 1

See the provisions in the deeds

Go to Articles of association

Key facts about S.D.L.

What is the company number of S.D.L.?: 0441.680.986. In Belgium the VAT number is the company number with BE in front: BE 0441.680.986.
Where is S.D.L. based?: The registered office is at Avenue Léon Jourez 68, 1420 Braine-l'Alleud.Company details
What does S.D.L. do?: According to the KBO register, the main activity is retail sale of household textiles and bedding (NACE 47512).
What is the legal form of S.D.L.?: Public limited company (NV).
When was S.D.L. founded?: On 09-10-1990.
Is S.D.L. still active?: Yes, S.D.L. is an active enterprise in the KBO register.
How many employees does S.D.L. have?: On average 1.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of S.D.L.?: €407,980 in financial year 2024, according to the filed annual accounts.
Is S.D.L. profitable?: In financial year 2025, S.D.L. made a profit of €13,613.
Where can I find the annual accounts of S.D.L.?: S.D.L. filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of S.D.L. due?: By 31-07-2027, for financial year 2026.Timeline