SD & C
ActiveSummary
For SD & C, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €80k and a net result of €4k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 49% of 16078 sector peers (fiscal year 2022). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability73▼-1
Solvency85▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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 2022Solvency, return and age of the figures
Solvency
59.5%
Return on assets
3.3%
Age of the figures
45 mo
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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline25-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 05-11-2023, 97 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
97 d late
2021
79 d late
2020
139 d late
2019
102 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2022, micro schema
Equity
€80k▲ 5.8%
2021 · €75k
Total assets
€134k▲ 15.6%
2021 · €116k
Net result
€4k▼ 10.1%
2021 · €5k
Working capital
€70k▲ 12.0%
2021 · €62k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2019202020212022
Operating result€41k-€37k▼ 10.2%€10k▼ 72.7%€9k▼ 13.4%
Net result€22k-€21k▼ 4.9%€5k▼ 77.2%€4k▼ 10.1%
Equity€49k-€70k▲ 43.6%€75k▲ 6.9%€80k▲ 5.8%
Total assets€80k-€121k▲ 52.1%€116k▼ 4.6%€134k▲ 15.6%
Debt€31k-€51k▲ 65.7%€40k▼ 20.6%€54k▲ 33.8%
Working capital€41k-€66k▲ 60.7%€62k▼ 4.7%€70k▲ 12.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2022 is 13% below 2021 and is the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €134k
Fixed assets
€10k ▼ 24.5%
Current assets
€124k ▲ 20.6%
Equity and liabilities €134k
Equity
€80k ▲ 5.8%
Debt
€54k ▲ 33.8%
Debt's share of the balance-sheet total rises from 34.9% to 40.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▼
2021 · €15k
Cash flow
€9k▼
2021 · €10k
Current ratio
2.30▼
2021 · 2.55
Debt to equity
0.68▲
2021 · 0.54
ROE
5.5%▼
2021 · 6.5%
ROA
3.3%▼
2021 · 4.2%
Interest coverage
23.26▲
2021 · 21.96
Debt ≤ 1 year
€54k▲
2021 · €40k
Income taxes
€5k▲
2021 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €3k | €5k | €5k | ▼ 2.3% |
| Other operating charges640/8 | - | - | €53 | €3k | ▲ 5,900% |
| Gross operating margin9900 | €45k | €45k | €15k | €17k | ▲ 11.2% |
| Operating profit (loss)9901 | €41k | €37k | €10k | €9k | ▼ 13.4% |
| Financial income75/76B | - | - | €6 | €866 | ▲ 13,652% |
| Recurring financial income75 | €2 | €671 | €6 | €866 | ▲ 13,652% |
| Financial charges65/66B | - | - | €675 | €574 | ▼ 14.9% |
| Recurring financial charges65 | €2k | €2k | €675 | €574 | ▼ 14.9% |
| Profit (loss) for the period before taxes9903 | €40k | €36k | €10k | €9k | ▼ 4.2% |
| Income taxes67/77 | €17k | €15k | €5k | €5k | ▲ 2.0% |
| Profit (loss) for the period9904 | €22k | €21k | €5k | €4k | ▼ 10.1% |
| Profit (loss) for the period to be appropriated9905 | €22k | €21k | €5k | €4k | ▼ 10.1% |
| Line | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €80k | €121k | €116k | €134k | ▲ 15.6% |
| Fixed assets21/28 | €8k | €5k | €13k | €10k | ▼ 24.5% |
| Tangible fixed assets22/27 | €8k | €5k | €13k | €10k | ▼ 24.5% |
| Furniture and vehicles24 | - | - | €13k | €10k | ▼ 24.5% |
| Current assets29/58 | €71k | €116k | €103k | €124k | ▲ 20.6% |
| Amounts receivable within one year40/41 | €35k | €97k | €70k | €110k | ▲ 57.8% |
| Trade receivables40 | - | - | €54k | €91k | ▲ 68.8% |
| Other amounts receivable41 | - | - | €16k | €19k | ▲ 19.5% |
| Cash at bank and in hand54/58 | €36k | €19k | €33k | €12k | ▼ 62.7% |
| Deferred charges and accrued income490/1 | - | - | - | €2k | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €80k | €121k | €116k | €134k | ▲ 15.6% |
| Equity10/15 | €49k | €70k | €75k | €80k | ▲ 5.8% |
| Contributions10/11 | €6k | - | €6k | €6k | = |
| Reserves13 | €43k | €64k | €69k | €73k | ▲ 6.4% |
| Non-distributable reserves130/1 | - | - | €2k | - | - |
| Reserves not available under the articles1311 | - | - | €2k | - | - |
| Distributable reserves133 | - | - | €67k | €73k | ▲ 9.3% |
| Amounts payable17/49 | €31k | €51k | €40k | €54k | ▲ 33.8% |
| Amounts payable within one year42/48 | €31k | €51k | €40k | €54k | ▲ 33.8% |
| Trade debts44 | €123 | €25k | €182 | €31k | ▲ 16,726% |
| Suppliers440/4 | - | - | €182 | €31k | ▲ 16,726% |
| Taxes, remuneration and social security45 | - | - | €23k | €17k | ▼ 26.4% |
| Taxes450/3 | - | - | €23k | €17k | ▼ 26.4% |
| Other amounts payable47/48 | - | - | €17k | €7k | ▼ 62.3% |
| Line | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22k | €21k | €5k | €4k | ▼ 10.1% |
| + Depreciation and write-downs630 | €3k | €3k | €5k | €5k | ▼ 2.3% |
| Operating cash flow (approximation) | €25k | €25k | €10k | €9k | ▼ 6.3% |
| Investment in fixed assets (approximation) | - | €0 | €-13k | €-1k | ▲ 88.7% |
| Change in cash | - | €-17k | €14k | €-21k | ▼ 252% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2023
05-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 97 days late
2022
31-12
Financial
Weakest financial yearnet €4k ▼10.1%
Net result drops to €4k, the lowest in the series.
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 139 days late
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 118 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
2015
30-09
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 61 days late
2014
22-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 22 days late
2013
30-08
NBB filing
Annual accounts filed
fiscal year 2012 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Bierbeek · 1 establishment unit since 2008
Ground area
531 m²
Building footprint
96 m²
Volume, LiDAR
493 m³
Parcel 24053B0121/00M002, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Arkeon
since 20082.168.191.015
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24053B0121/00M002 | Flanders | 531 m² | 1 · 96 m² | 7.3 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.
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Of 30,002 companies in sector 62200 we hold annual accounts for 18,390. 15,579 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Contact
E-mail
stefan.swinnen@sd-consult.beBierbeek
Phone
0474/86.46.40Bierbeek
Scores and ratios are computed by Checked and are not a credit decision.