SDECK MANAGEMENT
ActiveSummary
SDECK MANAGEMENT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,452 and a net result of €19,256. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 24% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+19
Solvency46▲+5
Growth68▲+36
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.2 in 2024; short-term debt: 34.7% and cash: 30.5% of total assets), but 78.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
21.5%
Return on assets
33.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 31896 sector peers (2025).
NBB · sector comparisonPosition among 31896 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 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.
NBB · 4 filingsDeviation from the deadline
2025
19 d late
2024
44 d early
2023
12 d late
2022
18 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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
27-09-2026 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 check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€12,452▲ 37.7%
2024 · €9,043
Total assets
€57,924▲ 0.4%
2024 · €57,694
Net result
€19,256▲ 243%
2024 · €5,606
Working capital
€11,853▲ 175%
2024 · €4,304
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€15,929--€7,622€11,387€28,920▲ 154%
Net result€10,452within the sector's middle half--€9,016below the sector's middle half€5,606within the sector's middle half€19,256within the sector's middle half▲ 243%
Equity€12,452below the sector's middle half-€3,437below the sector's middle half▼ 72.4%€9,043below the sector's middle half▲ 163%€12,452below the sector's middle half▲ 37.7%
Total assets€64,286below the sector's middle half-€63,303below the sector's middle half▼ 1.5%€57,694below the sector's middle half▼ 8.9%€57,924below the sector's middle half▲ 0.4%
Debt€51,834-€59,866▲ 15.5%€48,651▼ 18.7%€45,472▼ 6.5%
Working capital€6,437--€7,351€4,304€11,853▲ 175%
Solvency19.4%below the sector's middle half-5.4%below the sector's middle half▼ 13.9pp15.7%below the sector's middle half▲ 10.2pp21.5%below the sector's middle half▲ 5.8pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 154% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57,924
Fixed assets
€25,945 ▼ 19.8%
Current assets
€31,979 ▲ 26.2%
Equity and liabilities €57,924
Equity
€12,452 ▲ 37.7%
Debt
€45,472 ▼ 6.5%
Debt's share of the balance-sheet total falls from 84.3% to 78.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36,735▲
2024 · €19,672
Cash flow
€27,072▲
2024 · €13,892
Current ratio
1.59▲
2024 · 1.20
Debt to equity
3.65▼
2024 · 5.38
ROE
154.6%▲
2024 · 62.0%
ROA
33.2%▲
2024 · 9.7%
Interest coverage
10.80▲
2024 · 6.78
Debt ≤ 1 year
€20,126▼
2024 · €21,032
Debt > 1 year
€25,346▼
2024 · €27,619
Income taxes
€6,304▲
2024 · €2,880
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
3.1%
went bankrupt
1.6%
stopped otherwise
94%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 7,976 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,708 | €7,079 | €8,286 | €7,816 | ▼ 5.7% |
| Other operating charges640/8 | €348 | €663 | €1,226 | €1,640 | ▲ 33.8% |
| Gross operating margin9900 | €17,984 | €120 | €20,898 | €38,376 | ▲ 83.6% |
| Operating profit (loss)9901 | €15,929 | -€7,622 | €11,387 | €28,920 | ▲ 154% |
| Financial income75/76B | - | €0 | - | €43 | - |
| Recurring financial income75 | - | €0 | - | €43 | - |
| Financial charges65/66B | €578 | €1,010 | €2,900 | €3,403 | ▲ 17.3% |
| Recurring financial charges65 | €578 | €1,010 | €2,900 | €3,403 | ▲ 17.3% |
| Profit (loss) for the period before taxes9903 | €15,351 | -€8,632 | €8,486 | €25,560 | ▲ 201% |
| Income taxes67/77 | €4,898 | €384 | €2,880 | €6,304 | ▲ 119% |
| Profit (loss) for the period9904 | €10,452 | -€9,016 | €5,606 | €19,256 | ▲ 243% |
| Profit (loss) for the period to be appropriated9905 | €10,452 | -€9,016 | €5,606 | €19,256 | ▲ 243% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €64,286 | €63,303 | €57,694 | €57,924 | ▲ 0.4% |
| Fixed assets21/28 | €38,073 | €40,644 | €32,359 | €25,945 | ▼ 19.8% |
| Tangible fixed assets22/27 | €38,073 | €40,644 | €32,359 | €25,945 | ▼ 19.8% |
| Furniture and vehicles24 | €6,999 | €12,784 | €7,712 | €4,511 | ▼ 41.5% |
| Other tangible fixed assets26 | €31,074 | €27,860 | €24,647 | €21,434 | ▼ 13.0% |
| Current assets29/58 | €26,214 | €22,659 | €25,336 | €31,979 | ▲ 26.2% |
| Amounts receivable within one year40/41 | €10,083 | €11,155 | €11,298 | €7,984 | ▼ 29.3% |
| Trade receivables40 | €10,083 | €11,155 | €11,298 | - | - |
| Other amounts receivable41 | - | - | - | €7,984 | - |
| Cash at bank and in hand54/58 | €16,130 | €2,522 | €5,513 | €17,671 | ▲ 221% |
| Deferred charges and accrued income490/1 | - | €8,981 | €8,524 | €6,324 | ▼ 25.8% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €64,286 | €63,303 | €57,694 | €57,924 | ▲ 0.4% |
| Equity10/15 | €12,452 | €3,437 | €9,043 | €12,452 | ▲ 37.7% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | €10,452 | €10,452 | €10,452 | €10,452 | = |
| Distributable reserves133 | €10,452 | €10,452 | €10,452 | €10,452 | = |
| Profit (loss) carried forward14 | - | -€9,016 | -€3,409 | - | - |
| Amounts payable17/49 | €51,834 | €59,866 | €48,651 | €45,472 | ▼ 6.5% |
| Amounts payable after more than one year17 | €32,057 | €29,856 | €27,619 | €25,346 | ▼ 8.2% |
| Financial debts170/4 | €32,057 | €29,856 | €27,619 | €25,346 | ▼ 8.2% |
| Amounts payable within one year42/48 | €19,777 | €30,010 | €21,032 | €20,126 | ▼ 4.3% |
| Current portion of amounts payable after more than one year42 | €2,165 | €2,201 | €2,237 | €2,274 | ▲ 1.6% |
| Financial debts43 | - | - | - | €1,011 | - |
| Other loans439 | - | - | - | €1,011 | - |
| Trade debts44 | €1,240 | €1,339 | €2,037 | €1,259 | ▼ 38.2% |
| Suppliers440/4 | €1,240 | €1,339 | €2,037 | €1,259 | ▼ 38.2% |
| Taxes, remuneration and social security45 | €10,482 | €15,953 | €11,661 | €15,582 | ▲ 33.6% |
| Taxes450/3 | €10,482 | €15,953 | €11,661 | €15,582 | ▲ 33.6% |
| Other amounts payable47/48 | €5,890 | €10,516 | €5,096 | - | - |
| Accrued charges and deferred income492/3 | - | - | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,452 | -€9,016 | €5,606 | €19,256 | ▲ 243% |
| + Depreciation and write-downs630 | €1,708 | €7,079 | €8,286 | €7,816 | ▼ 5.7% |
| Operating cash flow (approximation) | €12,160 | -€1,936 | €13,892 | €27,072 | ▲ 94.9% |
| Investment in fixed assets (approximation) | - | -€9,651 | €0 | -€1,402 | - |
| Change in cash | - | -€13,608 | €2,990 | €12,158 | ▲ 307% |
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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Highest result since 2022net €19,256 ▲243%
Operating result €28,920, net result €19,256, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €5,606
Net result €5,606 after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Weakest financial yearnet -€9,016
Net result drops to -€9,016, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Huy · 1 establishment unit since 2021
Ground area
786 m²
Building footprint
209 m²
Parcel 61031B0865/00L002, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SDECK MANAGEMENT
since 20212.326.453.245
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61031B0865/00L002 | Wallonia | 785 m² | 1 · 209 m² | - |
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
MILENTIS
BE 0809.194.586
Jurbise · Eq €12,448
CIB550
BE 0776.771.644
Roosdaal · Eq €12,458
MF Engineering
BE 0659.848.240
Brasschaat · Eq €12,445
HIREMIND
BE 1003.601.788
Antwerpen · Eq €12,445
AmCo
BE 1030.129.508
Beveren-Kruibeke-Zwijndrecht · Eq €12,444
Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 25,390 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
Founded22-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
E-mail
sd@u-man-archi.be
Phone
+3285254900
E-invoicing
Reachable via Peppol
Peppol ID
0208:0778957015
Registered
17-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.