SDA Architecture · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SDA Architecture is 0.7% (low). The 2024 annual accounts show equity of €47k and a net result of €29k. Its solvency ranks better than 64% of 174 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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.

How we compute the deadline

The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	19-08-2025	19 d late	2025-00386668
31-12-2023	31-07-2024	22-08-2024	22 d late	2024-00360382

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2023, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.7% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€29k+942.2%

Working capital€47k+164.4%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 19-08-2025 with the NBB · fiscal year 2024 · volledig

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 71, Architecture & engineering · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	46.1%	35.1%	better than 64% of 174 sector peers
Net result	€29k	€26k	better than 52% of 174 sector peers
Equity	€47k	€92k	better than 35% of 174 sector peers
Gross operating margin	€81k	€78k	better than 50% of 150 sector peers
Staff costs	€40k	€257k	higher than 14% of 92 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€29k

+942.2% 23-24

Total assets

€102k

+342.1% 23-24

Equity

€47k

+164.4% 23-24

Working capital

€47k

+164.4% 23-24

Employees (FTE)

1

- 23-24

Staff costs

€40k

- 23-24

Income taxes

€10k

+917.9% 23-24

Debt

€55k

+937.6% 23-24

Debt ≤ 1y

€55k

+937.6% 23-24

Current ratio

1.85

-57.4% 23-24

Quick ratio

1.85

-57.4% 23-24

Solvency

46.1%

-40.2% 23-24

Debt / equity

1.17

+292.5% 23-24

ROE

62.2%

+294.2% 23-24

ROA

28.6%

+135.7% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	-
EBITDA	-
Net profit	€29k
Cash flow	-
Staff costs	€40k
Income taxes	€10k
Dividends	-
Total assets	€102k
Equity	€47k
Debt	€55k
of which ≤ 1y	€55k
of which > 1y	-
Working capital	€47k
Employees (FTE)	0.9

Ratios (computed)

	2024
Current ratio	1.85
Quick ratio	1.85
Working capital ratio	46.1%
Solvency	46.1%
Debt / equity	1.17
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	28.6%
ROE	62.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Equity & liabilities

Equity €47k · 46.1% Debt €55k · 54.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€102k
Current assets	29/58	€102k
Amounts receivable within one year	40/41	€46k
Cash & bank	54/58	€53k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€102k
Equity	10/15	€47k
Contributions / capital	10/11	€15k
Accumulated profits (losses)	14	€32k
Amounts payable	17/49	€55k
Amounts payable within one year	42/48	€55k
Trade debts payable within one year	44	€33k
Income statement
Gross operating margin	9900	€81k
Operating result	9901	€41k
Financial income	75	€0
Financial charges	65	€1k
Result before taxes	9903	€39k
Income taxes	67/77	€10k
Net result for the period	9904	€29k
Result to be appropriated	9905	€29k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

86 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Rue de l'Hôtel Communal 714420 Saint-Nicolas

Establishment units

1 location

SDA Architecture

Rue de l'Hôtel Communal 71, 4420 Saint-NicolasActiviteiten van bouwarchitecten

since 20232.349.849.645

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area506 m²

Buildings1

Building footprint86 m²

Volume (LiDAR)882 m³

Tallest building11.0 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62093A0283/00D002	Wallonia	506 m²	1 · 86 m²	11.0 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

87 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 100

Solvency 88

Growth 78

Stability 82

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