Turnover
≈ €140,000 estimated
The micro format states no turnover.
SDCC
Overview
Lifetime
1 annual account with figurespeak €44,362 (2025)
€44,362
peak €35,516 (2025)
€35,516
peak €39,516 (2025)
€39,516
€13,634
Board1 name since 2025
1 directorStijn Decat
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Incorporation 24-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€4,000 4,000 shares
Checked score
97
Excellent
Financially stronger than 76% 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 25,933 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 0.4%
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.5%▲ +0.1 percentage points vs 08-2026highest value
10-2026: < 0.1%▼ -0.5 percentage points vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 3.90, cash €25,087
Equity €39,516 (74.3% of total assets)
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, 77% on liquidity and 82% on profitability.
The bankruptcy probability was computed on 10-11-2026 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, 11,279 companies had the same profile as SDCC has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of SDCC itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 11,279 companies, not a prediction for SDCC. 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 €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.9, above the usual 1.5. Short-term debt is 25.7% and cash 47.2% of total assets. 25.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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
Five signals.
lowers riskraises 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 29-06-2026, 32 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
32 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019062501
Incorporation
Founding capital of €4,000, 4,000 shares · Founder: Stijn Decat · Appointment: Stijn Decat (director) · published on 24-01-2025 · Gazette deed
First establishment
Beckhofstraat 70, Torhout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SDCC Torhout | €53,150 | €44,362 | 74.3% | - |
| Meck Consult Dentergem | €55,485 | €37,773 | 57.4% | - |
| FlockWise Mol | €55,452 | €44,385 | 69.7% | - |
| P SOLUTIONS Wavre | €52,316 | €41,154 | 74.7% | - |
| Naja Renov Namur | €50,453 | €43,208 | 70.3% | - |
| Never On Friday Mechelen | €49,364 | €47,260 | 77.8% | - |
| ANDRIES ROSE Mont-de-l'Enclus | €54,145 | €44,310 | 70.3% | - |
These companies have the same main activity as SDCC: computer programming (NACE 62100). They are comparable in size and age: total assets between €49,400 and €55,500, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 22-01-2025Normal situation
- Activity
- Computer programmingNACE 62100and 5 others
- Establishment unit
- 2.369.483.6338820 Torhout, since 22-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- €44,362
- €35,516
- €39,516
- €53,150
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on SDCC
SDCC has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39,516 and a net result of €35,516.
Its solvency ranks better than 67% of 21,217 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-06-2026, 32 days before the deadline€44,362
€44,362
€35,516
€39,516
74.3%
3.90
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €140,000. Estimated: probably between €110,000 and €190,000.
Balance sheet
balance sheet total €53,150 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
74.3%
Higher than 67% of 21,217 companies in 2025.
3.90
Higher than 67% of 20,581 companies in 2025.
66.8%
Higher than 94% of 20,756 companies in 2025.
SDCC
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
53,150 | |
29/58 |
53,150 | |
40/41 |
28,063 | |
41 |
28,063 | |
54/58 |
25,087 | |
| Balance sheet: equity and liabilities | ||
10/49 |
53,150 | |
10/15 |
39,516 | |
10/11 |
4,000 | |
13 |
35,516 | |
133 |
35,516 | |
17/49 |
13,634 | |
42/48 |
13,634 | |
44 |
1,210 | |
440/4 |
1,210 | |
45 |
12,425 | |
450/3 |
12,425 | |
| Income statement | ||
9900 |
44,362 | |
9901 |
44,362 | |
75/76B |
444 | |
75 |
444 | |
65/66B |
166 | |
65 |
166 | |
9903 |
44,640 | |
67/77 |
9,124 | |
9904 |
35,516 | |
9905 |
35,516 | |
| Appropriation of the result | ||
9906 |
35,516 | |
691/2 |
35,516 | |
6921 |
35,516 | |
| Document | ||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-06-2026 | 2026-00229474 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 0 | ||
| 39,516 | ||
| 74.3% | ||
| 3.90 | ||
| 0.35 | ||
| 89.9% | ||
| 66.8% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Financial fixed assets | €0 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on SDCC
Debt's share of the balance-sheet total is 25.7%.
Board & ownership
Board
1 director, since incorporationDirector
since 22-01-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 29-06-2026
Mandates through the years
1 name, the dashed line is todayControl
Capital
- Contribution
- €4,000
- Shares
- 4,000
- Contribution per share
- €1
- Equity per share
- €9.88 in 2025
- Source
- deed of 24-01-2025
Shareholders
At incorporation
deed of 24-01-2025 ↗
- Stijn Decat 4,000 shares (100%) · €4,000
Network & group
No group
SDCC has no parent and no holdings in its annual accounts. Stijn Decat is the only director. SDCC shares no director with another company.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:1019062501
Annual accounts 2025 filed NBBmicro format · 32 days before the deadline
2025
IncorporationFounding capital of €4,000, 4,000 shares · Founder: Stijn Decat · Appointment: Stijn Decat (director) · published on 24-01-20255 points ▸
- Founding capital, €4,000, 4,000 shares
- Founder, Stijn Decat
- Board rule, 1
- Director appointment, Stijn Decat
- Power of attorney, Dirk Hendrickx
- The deed holds 5 more points.
First establishment Beckhofstraat 70, Torhout
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1019.062.501
- VAT number
- BE 1019.062.501
- Peppol ID
- 0208:1019062501
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 22-01-2025
- Financial year
- ends on 31 December
- Peppol
- Reachable since 21-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SDCC in Dutch
- Entity type
- Legal entity
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Beckhofstraat 70, 8820 Torhout”deed of 24-01-2025 (in Dutch)
Activities
NACEBEL 202562100
Computer programming main activity
85599
Other education
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het ontwerpen,programmeren,hosting en opvolgen van websites; Het ontwikkelen,verkopen,verdelen,online plaatsen van software,apps en software…”deed of 24-01-2025 (in Dutch)
23 activities
- Het ontwerpen,programmeren,hosting en opvolgen van websites;
- Het ontwikkelen,verkopen,verdelen,online plaatsen van software,apps en software as a service;
- Het ontwikkelen van bepaalde software-mogelijkheden en E-lettercampagnes;
- Het hosting,domeinnaamregistratie en SEO-mogelijkheden;
- Consultancy en dienstverlening inzake informatie en communicatietechnologie (ICT),informatica en automatisering,computers en computersystemen,softwareprogramma’s en gebruiksklare systemen,systeembeheer en gegevensverwerking inzake communicatie,telefonie en multimedia,webdesign en webtoepassingen;
- Het uitbouw van één of meedere verkoopsorganisaties en verkoopssystemen,verkoop via internet en via diverse verkoopkanalen;
- Het ontwikkelen,kopen,verkopen,beheren,in waarde stellen,in licentie nemen of geven van licenties,brevetten,octrooien,know-how en andere intellectuele rechten;
- De begeleiding van de administratieve organisatie en de implementatie van bedrijfsprocessen,informatica en automatisering,IT en webtoepassingen;
- Consulting en dienstverlening inzake algemeen management,bedrijfsvoering en – beheer,inzake commercieel,strategisch,financieel en administratief management,inzake technisch management,productmanagement,design en vormgeving,inzake marketing en publiciteit;
- Het uitvoeren van technische studies,audits en expertises inzake voormelde activiteiten;
- Het verstrekken van diverse trainingen en opleidingen;
- Het verkopen van tijd en ruimte voor publiciteit in de diverse media.
- Het verlenen van advies over soorten computers (hardware) en hun configuratie en toepassing van bijbehorende programmatuur (software): het analyseren van behoeften en problemen van de gebruiker en het aanbieden van de beste oplossing;
- Het analyseren,ontwerpen,programmeren en eventueel uitgeven van gebruiksklare systemen,incl. systemen van automatische data identificatie: de ontwikkeling,productie,levering/samenstelling van documentatie over standaard-of speciale programmatuur;
- Het al dan niet permanent verwerken van gegevens met behulp van een eigen programma of een programma van de klant: het invoeren van gegevens,de volledige verwerking van gegevens;
- Het permanent beheren van en werken met de gegevensverwerkende apparatuur van derden;
- De samenstelling van databanken door het samenbrengen en al dan niet interpreteren van bestaande gegevens uit verschillende bronnen (uurroosters,industriële catalogi,wetenschappelijke gegevens,financiële informatie,adressenbestanden,enz.);
- De opslag van gegevens door middel van een computerrecord in een bepaald formaat;
- Het ter beschikking stellen van een databank door het leveren van gegevens in een bepaalde volgorde online of dor gegevens op verzoeken gesorteerd,toegankelijk te maken voor iedereen of voor bepaald groepsgebruikers door middel van listings,enz.;
- E-commerce en ontwerpen van websites;
- Vertalingen;
- Het onderhouden en de reparatie van computers en randapparatuur;
- Coaching,begeleiding en lesgeving in sportoefeningen,powertraining,in speciale voeding en verzorgingsproducten
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Beckhofstraat 70 registered office 8820 Torhout | 22-01-2025 | 2.369.483.633 |
Buildings and parcels at the address
- Ground area
- 760 m²
- Buildings
- 174 m²
- Volume, LiDAR
- 903 m³
- Tallest building
- 8.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 31523F0032/00N000 | 760 m² | 1 · 174 m² | 8.0 m · 2 |