SD ACCOUNTING
ActiveSD ACCOUNTING has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €25k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 58% of 12617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency100▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 3.43 against 2.98 in 2024), and 35.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
64.7%
Return on assets
13.2%
Age of the figures
11 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-05-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
30 d late
2023
7 d early
2022
21 d late
2021
2 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€122k▲ 5.8%
2024 · €116k
2018: €15k
2019: €15k
2020: €27k
2021: €45k
2022: €67k
2023: €93k
2024: €116k
2018 → 2025
Total assets
€189k▼ 7.8%
2024 · €205k
2018: €79k
2019: €66k
2020: €77k
2021: €93k
2022: €104k
2023: €204k
2024: €205k
2018 → 2025
Net result
€25k▲ 10.3%
2024 · €23k
2018: €49
2019: €87
2020: €12k
2021: €18k
2022: €21k
2023: €28k
2024: €23k
2018 → 2025
Working capital
€93k▲ 11.4%
2024 · €84k
2018: €-3k
2019: €5k
2020: €18k
2021: €36k
2022: €59k
2023: €60k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€67k▲ 46.4%€93k▲ 39.5%€116k▲ 24.4%€122k▲ 5.8%
Operating result€28k-€32k▲ 11.9%€33k▲ 4.3%€37k▲ 11.5%€39k▲ 5.0%
Net result€18k-€21k▲ 15.8%€28k▲ 31.0%€23k▼ 18.2%€25k▲ 10.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 5% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€58k▼ 27.3%
Current assets
€131k▲ 4.5%
Equity and liabilities €189k
Equity
€122k▲ 5.8%
Debt
€67k▼ 25.4%
The debt ratio falls from 43.7% to 35.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€60k▲
2024 · €58k
Cash flow
€46k▲
2024 · €44k
Solvency
64.7%▲
2024 · 56.3%
Current ratio
3.43▲
2024 · 2.98
Quick ratio
3.43▲
2024 · 2.98
Debt / equity
0.55▼
2024 · 0.77
ROE
20.4%▲
2024 · 19.6%
ROA
13.2%▲
2024 · 11.0%
Interest coverage
21.70▲
2024 · 15.94
Debt
€67k▼
2024 · €90k
Debt ≤ 1 year
€38k▼
2024 · €42k
Debt > 1 year
€29k▼
2024 · €47k
Income taxes
€13k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€205k€189k▼
Fixed assets21/28€79k€58k▼
Tangible fixed assets22/27€69k€48k▼
Land and buildings22€5k€0▼
Furniture and vehicles24€40k€27k▼
Other tangible fixed assets26€24k€20k▼
Financial fixed assets28€11k€10k▼
Current assets29/58€126k€131k▲
Amounts receivable within one year40/41€22k€35k▲
Trade receivables40€16k€34k▲
Other amounts receivable41€6k€549▼
Current investments50/53€67k€61k▼
Cash at bank and in hand54/58€36k€35k▼
Deferred charges and accrued income490/1€410€429▲
Equity and liabilities
Total equity and liabilities10/49€205k€189k▼
Equity10/15€116k€122k▲
Contributions10/11€12k€12k=
Reserves13€103k€110k▲
Distributable reserves133€103k€110k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€90k€67k▼
Amounts payable after more than one year17€47k€29k▼
Financial debts170/4€47k€29k▼
Amounts payable within one year42/48€42k€38k▼
Current portion of amounts payable after more than one year42€24k€23k▼
Financial debts43€47€31▼
Credit institutions430/8€47€31▼
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€10k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€60k€62k▲
Operating profit (loss)9901€37k€39k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€35k€38k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€23k€25k▲
Profit (loss) for the period to be appropriated9905€23k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€25k▲
Profit (loss) brought forward from the previous period14P€0€18▲
Transfer from equity791/2€0€18k▲
Transfer to equity691/2€23k€25k▲
To other reserves6921€23k€25k▲
Profit to be distributed694/7€0€18k▲
Return on contributions (dividend)694€0€18k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
Financial
Equity above €100kEq €116k ▲24.4%
7 profitable years in a row build equity to €116k.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €28k ▲31%
Net result €28k, the highest in the series.
21-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2016
25-04
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.
Directors · office · real estate
Directors
3 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, Gingelom · 1 establishment unit since 2009
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Mechelsestraat 483890 GingelomGround area
1,966 m²
Building footprint
329 m²
Volume, LiDAR
2,387 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SD Accounting BVBA
since 20092.175.897.565
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71007A0162/00E000 | Flanders | 1,125 m² | 1 · 189 m² | 11.7 m · 2 fl. |
| 73086B0185/00B000 | Flanders | 841 m² | 1 · 140 m² | 10.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
KANTOOR DUCHATEAU
BE 0456.164.175
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GIELIS EN VERLEYE
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Brecht · Eq €122k
MINT Consult
BE 0725.715.396
Zottegem · Eq €122k
MANTES
BE 0454.146.773
Gent · Eq €122k
FIDUCIAIRE DECRUYENAERE
BE 0899.189.109
Ham-sur-Heure-Nalinnes · Eq €122k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 6,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2009
Fiscal year end30-09
Activities, NACEBEL
69201Certified accountants and tax accountants
70200Business and other management consultancy
70220Business consulting
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.