SD BUSINESS
ActiveThe computed 12-month bankruptcy probability of SD BUSINESS is 2.8% (moderate). The 2024 annual accounts show equity of €4k and a net result of €4k. Its solvency ranks better than 30% of 26049 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▲+52
Solvency34▲+9
Growth85
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.76 against 0.76 in 2023; short-term debt: 90.5% and cash: 3.7% of total assets), and 90.5% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
9.5%
Return on assets
9.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-08-2025, 1 day 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 filingsDeviation from the deadline
2025
not confirmed
2024
1 d late
2023
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€395k▲ 105%
2023 · €192k
2023: €192k
2023 → 2024
EBIT margin
1.1%▲ 3.4pp
2023 · -2.3%
2023: -2.3%
2023 → 2024
Net result
€4k
2023 · €-5k
2023: €-5k
2023 → 2024
Working capital
€-10k▼ 4.9%
2023 · €-10k
2023: €-10k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Turnover€192k-€395k▲ 105%
Equity€179-€4k▲ 2,364%
Operating result€-4k-€4k
Net result€-5k-€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €4k after a loss of €4k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €46k
Fixed assets
€15k▲ 47.2%
Current assets
€32k▲ 0.9%
Equity and liabilities €46k
Equity
€4k▲ 2,364%
Debt
€42k▲ 1.9%
The debt ratio falls from 99.6% to 90.5%. Equity and debt are higher.
Key figures and ratios
Solvency
9.5%▲
2023 · 0.4%
Current ratio
0.76▼
2023 · 0.76
Quick ratio
0.04▲
2023 · 0.02
Debt / equity
9.54
ROE
95.9%
ROA
9.1%▲
2023 · -11.6%
Debt
€42k▲
2023 · €41k
Debt ≤ 1 year
€42k▲
2023 · €41k
Staff costs
€122
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€41k€46k▲
Fixed assets21/28€10k€15k▲
Tangible fixed assets22/27€10k€15k▲
Furniture and vehicles24€10k€10k=
Other tangible fixed assets26-€5k
Current assets29/58€31k€32k▲
Stocks and contracts in progress3€31k€30k▼
Stocks30/36€31k€30k▼
Amounts receivable within one year40/41€287-
Other amounts receivable41€287-
Cash at bank and in hand54/58€456€2k▲
Equity and liabilities
Total equity and liabilities10/49€41k€46k▲
Equity10/15€179€4k▲
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Profit (loss) carried forward14€-5k€-590▲
Amounts payable17/49€41k€42k▲
Amounts payable within one year42/48€41k€42k▲
Trade debts44€41k€15k▼
Suppliers440/4€41k€15k▼
Taxes, remuneration and social security45-€469
Taxes450/3-€469
Other amounts payable47/48-€27k
Income statement
Code20232024
Turnover70€192k€395k▲
Goods, raw materials, services and sundry goods60/61€195k€387k▲
Remuneration, social security and pensions62-€122
Other operating charges640/8€2k€3k▲
Gross operating margin9900€-3k€7k▲
Operating profit (loss)9901€-4k€4k▲
Financial charges65/66B€413-
Recurring financial charges65€413-
Profit (loss) for the period before taxes9903€-5k€4k▲
Profit (loss) for the period9904€-5k€4k▲
Profit (loss) for the period to be appropriated9905€-5k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-590▲
Profit (loss) brought forward from the previous period14P-€-5k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mons · 1 establishment unit since 2023
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.
Place de Ghlin (G.) 97011 MonsGround area
161 m²
Building footprint
153 m²
Volume, LiDAR
1,262 m³
Parcel 53030C0327/00N000, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chez Bob
since 20232.346.677.052
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53030C0327/00N000 | Wallonia | 161 m² | 1 · 153 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.346.677.052
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Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 2,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2023
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sylva5980@yahoo.com
Phone:+32487606542