SDBC
ActiveSummary
SDBC has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €49k. Its solvency ranks better than 31% of 16618 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+51
Solvency63▼-32
Growth78
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.32 against 3.29 in 2024; short-term debt: 22.3% and cash: 1.4% of total assets), but 61.7% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
38.3%
Return on assets
34.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 2 filingsDeviation from the deadline
2025
18 d late
2024
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 907%
2024 · €5k
Total assets
€141k▲ 1,728%
2024 · €8k
Net result
€49k▲ 13,679%
2024 · €352
Working capital
€73k▲ 1,260%
2024 · €5k
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
Line20242025
Operating result€515-€60k▲ 11,588%
Net result€352-€49k▲ 13,679%
Equity€5k-€54k▲ 907%
Total assets€8k-€141k▲ 1,728%
Debt€2k-€87k▲ 3,608%
Working capital€5k-€73k▲ 1,260%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 11,588% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€36k
Current assets
€104k
Equity and liabilities €141k
Equity
€54k ▲ 907%
Debt
€87k ▲ 3,608%
Debt's share of the balance-sheet total rises from 30.4% to 61.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60k
Cash flow
€49k
Current ratio
3.32▲
2024 · 3.29
Debt to equity
1.61▲
2024 · 0.44
ROE
90.1%▲
2024 · 6.6%
ROA
34.5%▲
2024 · 4.6%
Interest coverage
354.68
Debt ≤ 1 year
€31k▲
2024 · €2k
Debt > 1 year
€32k
Income taxes
€12k▲
2024 · €152
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €74 | - |
| Other operating charges640/8 | - | €250 | - |
| Gross operating margin9900 | €515 | €61k | ▲ 11,651% |
| Operating profit (loss)9901 | €515 | €60k | ▲ 11,588% |
| Financial income75/76B | - | €12 | - |
| Recurring financial income75 | - | €12 | - |
| Financial charges65/66B | €11 | €170 | ▲ 1,411% |
| Recurring financial charges65 | €11 | €170 | ▲ 1,411% |
| Profit (loss) for the period before taxes9903 | €504 | €60k | ▲ 11,818% |
| Income taxes67/77 | €152 | €12k | ▲ 7,497% |
| Profit (loss) for the period9904 | €352 | €49k | ▲ 13,679% |
| Profit (loss) for the period to be appropriated9905 | €352 | €49k | ▲ 13,679% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €8k | €141k | ▲ 1,728% |
| Fixed assets21/28 | - | €36k | - |
| Tangible fixed assets22/27 | - | €36k | - |
| Plant, machinery and equipment23 | - | €36k | - |
| Current assets29/58 | €8k | €104k | ▲ 1,254% |
| Amounts receivable within one year40/41 | €500 | €91k | ▲ 18,159% |
| Trade receivables40 | €500 | €70 | ▼ 86.0% |
| Other amounts receivable41 | - | €91k | - |
| Cash at bank and in hand54/58 | €7k | €2k | ▼ 72.9% |
| Deferred charges and accrued income490/1 | - | €11k | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €8k | €141k | ▲ 1,728% |
| Equity10/15 | €5k | €54k | ▲ 907% |
| Contributions10/11 | €5k | €5k | = |
| Reserves13 | €352 | €49k | ▲ 13,779% |
| Distributable reserves133 | €352 | €49k | ▲ 13,779% |
| Amounts payable17/49 | €2k | €87k | ▲ 3,608% |
| Amounts payable after more than one year17 | - | €32k | - |
| Financial debts170/4 | - | €32k | - |
| Amounts payable within one year42/48 | €2k | €31k | ▲ 1,240% |
| Current portion of amounts payable after more than one year42 | - | €5k | - |
| Trade debts44 | €2k | €157 | ▼ 92.1% |
| Suppliers440/4 | €2k | €157 | ▼ 92.1% |
| Taxes, remuneration and social security45 | €152 | €12k | ▲ 7,497% |
| Taxes450/3 | €152 | €12k | ▲ 7,497% |
| Other amounts payable47/48 | €199 | €15k | ▲ 7,447% |
| Accrued charges and deferred income492/3 | - | €24k | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €352 | €49k | ▲ 13,679% |
| + Depreciation and write-downs630 | - | €74 | - |
| Operating cash flow (approximation) | €352 | €49k | ▲ 13,700% |
| Change in cash | - | €-5k | - |
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
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 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, Kortrijk · 1 establishment unit since 2024
Ground area
1,805 m²
Building footprint
444 m²
Volume, LiDAR
2,948 m³
Parcel 34354C0119/00C003, Flanders · tallest building 12.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SDBC
since 20242.363.220.205
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0119/00C003 | Flanders | 1,805 m² | 1 · 444 m² | 12.2 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.
Similar companies · same sector, comparable size
KYMARK
BE 0896.482.215
Jette · Eq €53,940
DR. TAHON CARDIOLOOG
BE 0773.666.060
Berlaar · Eq €53,832
Dokter C. DE WULF, dermatologie
BE 0885.034.730
Tervuren · Eq €54,009
BDapper
BE 0631.770.205
Antwerpen · Eq €54,136
ESSANCE
BE 0774.699.012
Sint-Truiden · Eq €53,605
Of 16,630 companies in sector 86220 we hold annual accounts for 7,981. 5,200 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
Founded02-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
86220Specialist medical practice
82990Other business support services
90111Literary creation
Scores and ratios are computed by Checked and are not a credit decision.