SDCA
ActiveSummary
SDCA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €474k and a net result of €41k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77=
Solvency99=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.21 against 4.43 in 2024; short-term debt: 13.1% and cash: 0.2% of total assets), and 26.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 →
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
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
73.8%
Return on assets
6.4%
Age of the figures
9 mo
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: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
24 d early
2023
22 d early
2022
12 d early
2021
28 d early
2020
on the day
2019
82 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€474k▼ 11.0%
2024 · €533k
2018: €299klowest in 8 years
2019: €331k▲ +10.5% vs 2018
2020: €365k▲ +10.4% vs 2019
2021: €414k▲ +13.3% vs 2020
2022: €454k▲ +9.8% vs 2021
2023: €485k▲ +6.7% vs 2022
2024: €533k▲ +9.9% vs 2023highest in 8 years
2025: €474k▼ -11.0% vs 2024
2018 → 2025
Total assets
€643k▼ 10.9%
2024 · €721k
2018: €595klowest in 8 years
2019: €615k▲ +3.4% vs 2018
2020: €639k▲ +3.9% vs 2019
2021: €676k▲ +5.8% vs 2020
2022: €686k▲ +1.5% vs 2021
2023: €676k▼ -1.5% vs 2022
2024: €721k▲ +6.6% vs 2023highest in 8 years
2025: €643k▼ -10.9% vs 2024
2018 → 2025
Net result
€41k▼ 13.6%
2024 · €48k
2018: €35k
2019: €31k▼ -11.6% vs 2018
2020: €35k▲ +10.3% vs 2019
2021: €49k▲ +41.1% vs 2020highest in 8 years
2022: €41k▼ -16.9% vs 2021
2023: €30k▼ -25.1% vs 2022lowest in 8 years
2024: €48k▲ +58.0% vs 2023
2025: €41k▼ -13.6% vs 2024
2018 → 2025
Working capital
€186k▼ 27.7%
2024 · €258k
2018: €57klowest in 8 years
2019: €76k▲ +32.5% vs 2018
2020: €123k▲ +61.9% vs 2019
2021: €156k▲ +27.3% vs 2020
2022: €180k▲ +14.8% vs 2021
2023: €198k▲ +10.5% vs 2022
2024: €258k▲ +29.7% vs 2023highest in 8 years
2025: €186k▼ -27.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€414k-€454k▲ 9.8%€485k▲ 6.7%€533k▲ 9.9%€474k▼ 11.0%
2021: €414klowest in 5 years
2022: €454k▲ +9.8% vs 2021
2023: €485k▲ +6.7% vs 2022
2024: €533k▲ +9.9% vs 2023highest in 5 years
2025: €474k▼ -11.0% vs 2024
Operating result€77k-€60k▼ 21.6%€45k▼ 25.5%€62k▲ 37.8%€51k▼ 17.6%
2021: €77khighest in 5 years
2022: €60k▼ -21.6% vs 2021
2023: €45k▼ -25.5% vs 2022lowest in 5 years
2024: €62k▲ +37.8% vs 2023
2025: €51k▼ -17.6% vs 2024
Net result€49k-€41k▼ 16.9%€30k▼ 25.1%€48k▲ 58.0%€41k▼ 13.6%
2021: €49khighest in 5 years
2022: €41k▼ -16.9% vs 2021
2023: €30k▼ -25.1% vs 2022lowest in 5 years
2024: €48k▲ +58.0% vs 2023
2025: €41k▼ -13.6% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €643k
Fixed assets
€372k ▼ 4.2%
Current assets
€270k ▼ 18.7%
Equity and liabilities €643k
Equity
€474k ▼ 11.0%
Provisions
€18k ▼ 6.0%
Debt
€150k ▼ 11.2%
Debt's share of the balance-sheet total falls from 23.4% to 23.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€67k▼
2024 · €78k
Cash flow
€58k▼
2024 · €64k
Current ratio
3.21▼
2024 · 4.43
Debt to equity
0.32▼
2024 · 0.32
ROE
8.7%▼
2024 · 9.0%
ROA
6.4%▼
2024 · 6.6%
Interest coverage
8.46▲
2024 · 7.49
Debt ≤ 1 year
€84k▲
2024 · €75k
Debt > 1 year
€66k▼
2024 · €94k
Income taxes
€19k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€721k€643k▼
Fixed assets21/28€389k€372k▼
Tangible fixed assets22/27€388k€372k▼
Land and buildings22€385k€370k▼
Plant, machinery and equipment23€3k€2k▼
Financial fixed assets28€395€395=
Current assets29/58€333k€270k▼
Amounts receivable within one year40/41€332k€269k▼
Trade receivables40€31k€35k▲
Other amounts receivable41€301k€233k▼
Cash at bank and in hand54/58-€1k
Deferred charges and accrued income490/1€459€303▼
Equity and liabilities
Total equity and liabilities10/49€721k€643k▼
Equity10/15€533k€474k▼
Contributions10/11€7k€7k=
Reserves13€525k€467k▼
Tax-exempt reserves132€61k€58k▼
Distributable reserves133€464k€409k▼
Provisions and deferred taxes16€20k€18k▼
Deferred taxes168€20k€18k▼
Amounts payable17/49€169k€150k▼
Amounts payable after more than one year17€94k€66k▼
Financial debts170/4€94k€66k▼
Amounts payable within one year42/48€75k€84k▲
Current portion of amounts payable after more than one year42€26k€29k▲
Financial debts43€15k€18k▲
Credit institutions430/8€14k€13k▼
Other loans439€500€5k▲
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€26k€28k▲
Taxes450/3€23k€28k▲
Remuneration and social security454/9€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€83k€71k▼
Operating profit (loss)9901€62k€51k▼
Financial income75/76B€17k€16k▼
Recurring financial income75€17k€16k▼
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€68k€60k▼
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€21k€19k▼
Profit (loss) for the period9904€48k€41k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€51k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€45k▼
Transfer from equity791/2-€100k
Transfer to equity691/2€51k€45k▼
To other reserves6921€51k€45k▼
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €16k | €16k | €16k | €16k | ▲ 0.3% |
| Other operating charges640/8 | €3k | €1k | €5k | €4k | €4k | ▼ 6.5% |
| Gross operating margin9900 | €96k | €78k | €66k | €83k | €71k | ▼ 13.5% |
| Operating profit (loss)9901 | €77k | €60k | €45k | €62k | €51k | ▼ 17.6% |
| Financial income75/76B | €8k | €10k | €7k | €17k | €16k | ▼ 0.5% |
| Recurring financial income75 | €8k | €10k | €7k | €17k | €16k | ▼ 0.5% |
| Financial charges65/66B | €10k | €8k | €8k | €10k | €8k | ▼ 23.7% |
| Recurring financial charges65 | €10k | €8k | €8k | €10k | €8k | ▼ 23.7% |
| Profit (loss) for the period before taxes9903 | €75k | €63k | €44k | €68k | €60k | ▼ 12.5% |
| Transfer from deferred taxes780 | €1k | €1k | €1k | €1k | €1k | = |
| Income taxes67/77 | €28k | €23k | €15k | €21k | €19k | ▼ 9.6% |
| Profit (loss) for the period9904 | €49k | €41k | €30k | €48k | €41k | ▼ 13.6% |
| Transfer from tax-exempt reserves789 | €4k | €4k | €4k | €4k | €4k | = |
| Profit (loss) for the period to be appropriated9905 | €52k | €44k | €34k | €51k | €45k | ▼ 12.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €676k | €686k | €676k | €721k | €643k | ▼ 10.9% |
| Fixed assets21/28 | €430k | €417k | €402k | €389k | €372k | ▼ 4.2% |
| Tangible fixed assets22/27 | €430k | €417k | €402k | €388k | €372k | ▼ 4.2% |
| Land and buildings22 | €428k | €413k | €398k | €385k | €370k | ▼ 4.0% |
| Plant, machinery and equipment23 | €2k | €4k | €4k | €3k | €2k | ▼ 26.3% |
| Financial fixed assets28 | €395 | €395 | €395 | €395 | €395 | = |
| Current assets29/58 | €246k | €269k | €274k | €333k | €270k | ▼ 18.7% |
| Amounts receivable within one year40/41 | €184k | €235k | €273k | €332k | €269k | ▼ 19.1% |
| Trade receivables40 | €65k | €63k | €24k | €31k | €35k | ▲ 13.6% |
| Other amounts receivable41 | €118k | €172k | €250k | €301k | €233k | ▼ 22.4% |
| Cash at bank and in hand54/58 | €62k | €34k | €717 | - | €1k | - |
| Deferred charges and accrued income490/1 | €355 | €460 | €10 | €459 | €303 | ▼ 34.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €676k | €686k | €676k | €721k | €643k | ▼ 10.9% |
| Equity10/15 | €414k | €454k | €485k | €533k | €474k | ▼ 11.0% |
| Contributions10/11 | €7k | €7k | €7k | €7k | €7k | = |
| Reserves13 | €406k | €447k | €477k | €525k | €467k | ▼ 11.1% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Tax-exempt reserves132 | €72k | €68k | €65k | €61k | €58k | ▼ 5.8% |
| Distributable reserves133 | €333k | €377k | €413k | €464k | €409k | ▼ 11.8% |
| Provisions and deferred taxes16 | €23k | €22k | €21k | €20k | €18k | ▼ 6.0% |
| Deferred taxes168 | €23k | €22k | €21k | €20k | €18k | ▼ 6.0% |
| Amounts payable17/49 | €239k | €210k | €171k | €169k | €150k | ▼ 11.2% |
| Amounts payable after more than one year17 | €150k | €120k | €95k | €94k | €66k | ▼ 29.7% |
| Financial debts170/4 | €150k | €120k | €95k | €94k | €66k | ▼ 29.7% |
| Amounts payable within one year42/48 | €89k | €90k | €76k | €75k | €84k | ▲ 12.0% |
| Current portion of amounts payable after more than one year42 | €28k | €31k | €26k | €26k | €29k | ▲ 9.1% |
| Financial debts43 | €11k | €6k | €7k | €15k | €18k | ▲ 24.2% |
| Credit institutions430/8 | €1k | €1k | €4k | €14k | €13k | ▼ 6.3% |
| Other loans439 | €10k | €5k | €3k | €500 | €5k | ▲ 899% |
| Trade debts44 | €15k | €9k | €12k | €8k | €9k | ▲ 6.1% |
| Suppliers440/4 | €15k | €9k | €12k | €8k | €9k | ▲ 6.1% |
| Taxes, remuneration and social security45 | €35k | €43k | €30k | €26k | €28k | ▲ 9.9% |
| Taxes450/3 | €35k | €42k | €30k | €23k | €28k | ▲ 20.5% |
| Remuneration and social security454/9 | - | €2k | €500 | €2k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €49k | €41k | €30k | €48k | €41k | ▼ 13.6% |
| + Depreciation and write-downs630 | €16k | €16k | €16k | €16k | €16k | ▲ 0.3% |
| Operating cash flow (approximation) | €65k | €56k | €46k | €64k | €58k | ▼ 10.1% |
| Investment in fixed assets (approximation) | - | €-3k | €-996 | €-2k | €0 | ▲ 100% |
| Change in cash | - | €-28k | €-33k | - | - | - |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €533k ▲9.9%
7 profitable years in a row build equity to €533k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €30k ▼25.1%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €49k ▲41.1%
Operating result €77k, net result €49k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 82 days late
2019
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Zoersel · 1 establishment unit since 1999
Ground area
2,296 m²
Building footprint
226 m²
Volume, LiDAR
1,163 m³
Parcel 11017A0564/00R004, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hoge Dreef 60, 2980 Zoersel
since 19992.090.360.688
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017A0564/00R004 | Flanders | 2,296 m² | 1 · 226 m² | 8.2 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.
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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 5,549 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
Founded30-12-1998
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Scores and ratios are computed by Checked and are not a credit decision.