Turnover
≈ €380,000 estimated
The micro format states no turnover.
SD Concept
Lifetime
1 annual account with figurespeak €114,585 (2025)
€114,585
peak €17,714 (2025)
€17,714
peak €19,574 (2025)
€19,574
€54,244
Board1 name since 2024
1 directorStessens Dave
Documentsfilings and deeds
16-07-202615 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€54,244 73% of the balance sheet
Financial debts 0%Suppliers 10%Taxes and wages 29%Other 61%
Starting capital
€1,860 1,860 shares
Checked score
36
Weak
Financially stronger than 43% of micro companies in building services and landscaping (NACE 81)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.6% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,709 companies (NACE 81, micro).
About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 2.0%lowest value
01-2026: 2.0%● unchanged vs 12-2025lowest value
02-2026: 2.0%● unchanged vs 01-2026
03-2026: 4.4%▲ +2.4 percentage points vs 02-2026
04-2026: 4.7%▲ +0.3 percentage points vs 03-2026
05-2026: 5.2%▲ +0.5 percentage points vs 04-2026
06-2026: 5.2%● unchanged vs 05-2026
07-2026: 5.7%▲ +0.5 percentage points vs 06-2026
08-2026: 6.4%▲ +0.7 percentage points vs 07-2026
09-2026: 6.3%▼ -0.1 percentage points vs 08-2026
10-2026: 6.6%▲ +0.3 percentage points vs 09-2026highest value
11-2026: 6.6%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2024
Ex-officio strike-off in the KBO
Liquidity: current ratio 1.32
Size: total assets €73,818
Calculation
The band follows from the bankruptcy probability. 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 81, micro). It does better than 33% of them on solvency, 13% on liquidity and 83% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,390 companies had the same profile as SD Concept has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SD Concept itself is higher: 6.6% within 12 months. It rests on far more data about SD Concept than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,390 companies, not a prediction for SD Concept. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.32, below the usual 1.5. Short-term debt is 73.5% of total assets. 73.5% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
15 days early
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Recent changes
Address struck
effective 01-10-2025 · KBO administration
Incorporation
Founding capital of €1,860, 1,860 shares · Founder: Stessens Dave · Appointment: Stessens Dave (director) · published on 21-11-2024 · Gazette deed
First establishment
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SD Concept | €73,818 | €114,585 | 26.5% | - |
| Dasko Cleaning Antwerp | €79,209 | €90,946 | 76.6% | - |
| LINA CLEANING Antwerp | €79,680 | €97,373 | 62.0% | - |
| N.R. PROCLEAN SERVICES Liège | €79,757 | €111,377 | 12.1% | - |
| YVA Cleaning Ardooie | €59,064 | €103,819 | 75.9% | - |
| Inno Cleaning Edegem | €93,197 | €128,793 | 33.9% | - |
| Sovela Tessenderlo-Ham | €76,621 | €107,469 | 80.9% | - |
These companies have the same main activity as SD Concept: general cleaning of buildings (NACE 81210). They are comparable in size and age: total assets between €59,100 and €93,200, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 19-11-2024Normal situation
- Legal form
- Private limited company
- Activity
- General cleaning of buildingsNACE 81210
- Establishment unit
- 2.366.623.420since 19-11-2024
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €73,818
- Filing
- Filed on 16-07-2026, 15 days before the end of the filing period
Insights on SD Concept
The computed 12-month bankruptcy probability of SD Concept is 6.6% (elevated). The 2025 annual accounts show equity of €19,574 and a net result of €17,714.
Its solvency ranks better than 34% of 5,728 sector peers (NACE 81, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SD Concept
- What is the company number of SD Concept?
- The company number of SD Concept is 1016.342.739. The VAT number is the same number with BE in front: BE 1016.342.739.
- What does SD Concept do?
- According to the KBO register, the main activity is general cleaning of buildings (NACE 81210).
- What is the legal form of SD Concept?
- SD Concept is a private limited company (BV).
- When was SD Concept founded?
- SD Concept was founded on 19-11-2024.
- Is SD Concept still active?
- Yes, SD Concept is an active enterprise in the KBO register.Company details
- What is the turnover of SD Concept?
- The turnover in financial year 2025 is ≈ €380,000. This figure is estimated from the gross margin of €114,585 and 36 comparable companies (NACE 812). It probably lies between €220,000 and €670,000.Financials
- Is SD Concept profitable?
- In financial year 2025, SD Concept made a profit of €17,714.
- Where can I find the annual accounts of SD Concept?
- SD Concept filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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