Equity
€474,214 ▼ 11.0%
SDCA paid out €99,900 in dividends. That is 241% of the 2025 profit.
SDCA
Lifetime
20 annual accounts with figures on one time axis, 27 filings since 1999peak €227,516 (2009)
€71,385▼ 13.5%
peak €143,380 (2009)
€41,438▼ 13.6%
peak €532,677 (2024)
€474,214▼ 11.0%
€150,019▼ 11.2%
Board1 name since 1998
1 directorOswald Verlinden
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from €82,555 to €71,385Dividend €99,900
Key points
from the 2025 annual accountsFilings
27 annual accounts since 1999
Five of the last ten came late. The 2019 accounts came latest: 82 days after the end of the period.
Position in the sector
€474,214
More equity than 95% of companies in computer programming and consultancy. Sector median €69,062 · 21,212 companies.
Checked score
90
Excellent
Financially stronger than 39% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.4 percentage points vs 07-2026highest value
09-2026: 0.1%▼ -0.6 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 3.21, cash €1,167
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €642,713
Founded in 1998
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 62, micro). It does better than 68% of them on solvency, 23% on liquidity, 36% on profitability and 30% on growth.
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 very low class on 30-06-2025, 0.1% 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, 20,137 companies had the same profile as SDCA has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of SDCA itself: 0.1% within 12 months.
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 20,137 companies, not a prediction for SDCA. 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 €40,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.21 (4.43 in 2024), above the usual 1.5. Short-term debt is 13.1% and cash 0.2% of total assets. 26.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 days late
2024
24 days early
2023
22 days early
2022
12 days early
2021
28 days early
2020
on the day
2019
82 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 3 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 10 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0465103914
Reappointment: Oswald Verlinden (director)
“Het verhandelen,verlenen,produceren of aannemen van diensten met betrekking tot het…” (deed in Dutch) · General meeting of 29-12-2023 · Gazette deed
First establishment
Hoge Dreef 60, Zoersel
Incorporation
published on 12-01-1999 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SDCA Zoersel | €642,713 | €71,385 | 73.8% | - |
| DM DEVELOPMENT Antwerp | €756,445 | €78,126 | 69.8% | - |
| PROSTEPS Aartselaar | €775,334 | €77,961 | 94.9% | - |
| PJ - SOFT Bonheiden | €552,161 | €61,830 | 33.6% | - |
| SOFTWARE-PROJECTS Mechelen | €542,127 | €71,275 | 70.7% | - |
| JD SOFT Brecht | €526,147 | €65,621 | 90.8% | - |
| Ithink Schilde | €803,345 | €76,382 | 47.6% | - |
These companies have the same main activity as SDCA: computer programming (NACE 62100). They are comparable in size and age: total assets between €526,000 and €803,000, founded between 1997 and 2001.
Official details
Source: KBO- Status
- Active since 30-12-1998Normal situation
- Activity
- Computer programmingNACE 62100
- Establishment unit
- 2.090.360.6882980 Zoersel, since 08-03-1999
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2024
Insights on SDCA
SDCA files the micro format. That format states no turnover. The gross margin rose from €52,052 in 2006 to €71,385 in 2025.
The balance sheet grew most from 2008 to 2010 through fixed assets.
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 SDCA
- What is the company number of SDCA?
- The company number of SDCA is 0465.103.914. The VAT number is the same number with BE in front: BE 0465.103.914.
- Where is SDCA based?
- The registered office is at Hoge Dreef 60, 2980 Zoersel.Company details
- What does SDCA do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of SDCA?
- SDCA is a private limited company (BV).
- When was SDCA founded?
- SDCA was founded on 30-12-1998.
- Is SDCA still active?
- Yes, SDCA is an active enterprise in the KBO register.
- What is the turnover of SDCA?
- The turnover in financial year 2025 is ≈ €170,000. This figure is estimated from the gross margin of €71,385 and 41 comparable companies (NACE 62100). It probably lies between €140,000 and €210,000.Financials
- Is SDCA profitable?
- In financial year 2025, SDCA made a profit of €41,438.
- Where can I find the annual accounts of SDCA?
- SDCA filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SDCA due?
- SDCA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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