SDI BUILD
ActiveThe computed 12-month bankruptcy probability of SDI BUILD is 1.9% (moderate). The 2025 annual accounts show equity of €216k and a net result of €5k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 48% of 27559 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency71▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.77 in 2024; short-term debt: 51% and cash: 1% of total assets), but 54.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 18-11-2025, 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 · 7 filingsDeviation from the deadline
2025
18 d late
2024
1 d late
2023
57 d late
2022
4 d late
2021
29 d late
2020
45 d late
2019
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€216k▼ 10.4%
2024 · €241k
2019: €85k
2020: €85k
2021: €76k
2022: €130k
2023: €87k
2024: €241k
2019 → 2025
Total assets
€473k▼ 13.0%
2024 · €544k
2019: €188k
2020: €222k
2021: €217k
2022: €282k
2023: €290k
2024: €544k
2019 → 2025
Net result
€5k▼ 97.7%
2024 · €215k
2019: €103k
2020: €26k
2021: €11k
2022: €69k
2023: €-43k
2024: €215k
2019 → 2025
Working capital
€193k▼ 9.3%
2024 · €213k
2019: €76k
2020: €85k
2021: €71k
2022: €123k
2023: €78k
2024: €213k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€130k▲ 70.4%€87k▼ 33.1%€241k▲ 178%€216k▼ 10.4%
Operating result€38k-€80k▲ 112%€-31k€230k€19k▼ 91.8%
Net result€11k-€69k▲ 532%€-43k€215k€5k▼ 97.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €473k
Fixed assets
€39k▼ 28.1%
Current assets
€435k▼ 11.4%
Equity and liabilities €473k
Equity
€216k▼ 10.4%
Debt
€257k▼ 15.1%
The debt ratio falls from 55.6% to 54.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €247k
Cash flow
€27k▼
2024 · €232k
Solvency
45.7%▲
2024 · 44.4%
Current ratio
1.80▲
2024 · 1.77
Quick ratio
1.80▲
2024 · 1.77
Debt / equity
1.19▼
2024 · 1.25
ROE
2.3%▼
2024 · 88.9%
ROA
1.0%▼
2024 · 39.4%
Interest coverage
10.23▼
2024 · 26.22
Debt
€257k▼
2024 · €303k
Debt ≤ 1 year
€241k▼
2024 · €277k
Debt > 1 year
€16k▼
2024 · €26k
Income taxes
€10k▲
2024 · €6k
Staff costs
€35k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€544k€473k▼
Fixed assets21/28€54k€39k▼
Tangible fixed assets22/27€54k€39k▼
Furniture and vehicles24€54k€39k▼
Current assets29/58€490k€435k▼
Amounts receivable within one year40/41€484k€426k▼
Trade receivables40€406k€377k▼
Other amounts receivable41€78k€49k▼
Cash at bank and in hand54/58€5k€5k▲
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€544k€473k▼
Equity10/15€241k€216k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€233k€208k▼
Amounts payable17/49€303k€257k▼
Amounts payable after more than one year17€26k€16k▼
Financial debts170/4€26k€16k▼
Amounts payable within one year42/48€277k€241k▼
Current portion of amounts payable after more than one year42€14k€12k▼
Trade debts44€203k€174k▼
Suppliers440/4€203k€174k▼
Taxes, remuneration and social security45-€26k
Taxes450/3-€18k
Remuneration and social security454/9-€8k
Other amounts payable47/48€60k€30k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€35k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€22k▲
Other operating charges640/8€418€764▲
Gross operating margin9900€248k€76k▼
Operating profit (loss)9901€230k€19k▼
Financial income75/76B€200€39▼
Recurring financial income75€200€39▼
Financial charges65/66B€9k€4k▼
Recurring financial charges65€9k€4k▼
Profit (loss) for the period before taxes9903€220k€15k▼
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€215k€5k▼
Profit (loss) for the period to be appropriated9905€215k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€293k€238k▼
Profit (loss) brought forward from the previous period14P€79k€233k▲
Profit to be distributed694/7€60k€30k▼
Return on contributions (dividend)694€60k€30k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2024
01-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
31-03
Financial
Back to profitnet €215k
Net result €215k after one loss-making year.
31-03
Financial
Equity above €200kEq €241k ▲178%
Equity rises from €87k to €241k.
2023
27-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
31-03
Financial
Weakest financial yearnet €-43k ▼163%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
31-03
Financial
Equity above €100kEq €130k ▲70.4%
4 profitable years in a row build equity to €130k.
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2020
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 45 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Anderlecht · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Processiestraat 491070 AnderlechtGround area
1,135 m²
Building footprint
191 m²
Volume, LiDAR
1,887 m³
2 parcels, Brussels, Flanders · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SDI BUILD
since 20172.271.263.116
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23026B0039/00C015 | Flanders | 865 m² | 1 · 87 m² | 9.2 m · 2 fl. |
| 21001A0660/00W002 | Brussels | 270 m² | 1 · 104 m² | 17.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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ELASTISCHE VOEGWERKEN JORIS
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NIK COMPANY
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Of 15,541 companies in sector 43990 we hold annual accounts for 7,422. 5,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2017
Fiscal year end31-03
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43211General electrical installation work
43320Joinery installation
43350Other building finishing work
43422Screed work
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.