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SDIG

Active
Private limited companyfounded 20233 yrs activeRue des Clochettes 13, 7061 Soignies, BelgiumKBO/BCE: BE 1000.468.787
Summary

SDIG has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44,647 and a net result of €36,935. Equity is growing by ~243.3% per year across the filed fiscal years. Its solvency ranks better than 31% of 14258 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability67▲+23
Solvency34▼-25
Growth78=
Track record94
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 7.17 against 1.51 in 2024; short-term debt: 13.3% and cash: 0.9% of total assets), but 91.3% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
8.7%
Return on assets
7.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 01-07-2026, 30 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
30 d early
2024
31 d early
2023
2 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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. Usually files around 1 July (3 of the last 3 filed years within 33 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

SDIG was incorporated on 28 September 2023 as a Private limited company.1 Total assets rose from EUR 7,317 in 2023 to EUR 510,729 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€44,647▲ 479%
2024 · €7,712
Total assets
€510,729▲ 2,124%
2024 · €22,961
Net result
€36,935▲ 6,177%
2024 · €588
Working capital
€420,109▲ 5,347%
2024 · €7,712
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate 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
Line202320242025
Operating result-€797-€635€59,019▲ 9,196%
Net result-€876within the sector's middle half-€588within the sector's middle half€36,935above the sector's middle half▲ 6,177%
Equity€7,124below the sector's middle half-€7,712below the sector's middle half▲ 8.3%€44,647within the sector's middle half▲ 479%
Total assets€7,317below the sector's middle half-€22,961below the sector's middle half▲ 214%€510,729within the sector's middle half▲ 2,124%
Debt€193-€15,249▲ 7,801%€466,082▲ 2,957%
Working capital€7,124within the sector's middle half-€7,712within the sector's middle half▲ 8.3%€420,109above the sector's middle half▲ 5,347%
Solvency97.4%above the sector's middle half-33.6%within the sector's middle half▼ 63.8pp8.7%within the sector's middle half▼ 24.8pp
Current ratio37.91above the sector's middle half-1.51within the sector's middle half▼ 36.417.17above the sector's middle half▲ 5.66
Return on assets (ROA)-12.0%below the sector's middle half-2.6%within the sector's middle half▲ 14.5pp7.2%within the sector's middle half▲ 4.7pp
above within below the middle half (P25 to P75) of NACE 68, Real estate 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
-€20,000€0€20,000€40,000€60,000Operating result 2023: -€797-€797Net result 2023: -€876-€876Operating result 2024: €635€635Net result 2024: €588€588Operating result 2025: €59,019€59,019Net result 2025: €36,935€36,935202320242025-€20,000€0€20,000€40,000€60,000Operating result 2023: -€797-€797Net result 2023: -€876-€876Operating result 2024: €635€635Net result 2024: €588€588Operating result 2025: €59,019€59,000Net result 2025: €36,935€36,900202320242025
The operating result has risen two years in a row; 2025 is 9,196% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €510,729
Fixed assets €22,514
Current assets €488,215
Equity and liabilities €510,729
Equity €44,647 ▲ 479%
Debt €466,082 ▲ 2,957%
Debt's share of the balance-sheet total rises from 66.4% to 91.3%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€60,338
Cash flow
€38,254
Quick ratio
0.38▼
2024 · 1.51
Debt to equity
10.44▲
2024 · 1.98
ROE
82.7%▲
2024 · 7.6%
Interest coverage
4.75
Debt ≤ 1 year
€68,106▲
2024 · €15,249
Debt > 1 year
€397,976
Income taxes
€9,380
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 513 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 96% are still going.

  • Small
  • 2 to 5 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
2.3% went bankrupt
1.4% stopped otherwise
96% still going

For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

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 513 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€22,961€510,729▲
Fixed assets21/28-€22,514
Tangible fixed assets22/27-€22,514
Furniture and vehicles24-€22,514
Current assets29/58€22,961€488,215▲
Stocks and contracts in progress3-€462,577
Stocks30/36-€462,577
Amounts receivable within one year40/41€15,000€20,000▲
Trade receivables40€15,000€20,000▲
Cash at bank and in hand54/58€7,961€4,688▼
Deferred charges and accrued income490/1-€950
Equity and liabilities
Total equity and liabilities10/49€22,961€510,729▲
Equity10/15€7,712€44,647▲
Contributions10/11€8,000€8,000=
Reserves13-€36,647
Distributable reserves133-€36,647
Profit (loss) carried forward14-€288-
Amounts payable17/49€15,249€466,082▲
Amounts payable after more than one year17-€397,976
Financial debts170/4-€194,147
Other amounts payable178/9-€203,829
Amounts payable within one year42/48€15,249€68,106▲
Current portion of amounts payable after more than one year42-€12,576
Trade debts44-€541
Suppliers440/4-€541
Advances received on contracts in progress46-€30,000
Taxes, remuneration and social security45-€9,380
Taxes450/3-€9,380
Other amounts payable47/48€15,249€15,608▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1,319
Other operating charges640/8€1,297€328▼
Gross operating margin9900€1,932€60,666▲
Operating profit (loss)9901€635€59,019▲
Financial charges65/66B€47€12,704▲
Recurring financial charges65€47€12,704▲
Profit (loss) for the period before taxes9903€588€46,315▲
Income taxes67/77-€9,380
Profit (loss) for the period9904€588€36,935▲
Profit (loss) for the period to be appropriated9905€588€36,935▲
Appropriation of the result
Profit (loss) to be appropriated9906-€288€36,647▲
Profit (loss) brought forward from the previous period14P-€876-€288▲
Transfer to equity691/2-€36,647
To other reserves6921-€36,647

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Goods, raw materials, services and sundry goods60/61€797---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630--€1,319-
Other operating charges640/8-€1,297€328▼ 74.7%
Gross operating margin9900-€797€1,932€60,666▲ 3,040%
Operating profit (loss)9901-€797€635€59,019▲ 9,196%
Financial charges65/66B€79€47€12,704▲ 27,220%
Recurring financial charges65€79€47€12,704▲ 27,220%
Profit (loss) for the period before taxes9903-€876€588€46,315▲ 7,772%
Income taxes67/77--€9,380-
Profit (loss) for the period9904-€876€588€36,935▲ 6,177%
Profit (loss) for the period to be appropriated9905-€876€588€36,935▲ 6,177%
Line202320242025Change
Assets
Total assets20/58€7,317€22,961€510,729▲ 2,124%
Fixed assets21/28--€22,514-
Tangible fixed assets22/27--€22,514-
Furniture and vehicles24--€22,514-
Current assets29/58€7,317€22,961€488,215▲ 2,026%
Stocks and contracts in progress3--€462,577-
Stocks30/36--€462,577-
Amounts receivable within one year40/41€6,000€15,000€20,000▲ 33.3%
Trade receivables40€6,000€15,000€20,000▲ 33.3%
Cash at bank and in hand54/58€1,317€7,961€4,688▼ 41.1%
Deferred charges and accrued income490/1--€950-
Equity and liabilities
Total equity and liabilities10/49€7,317€22,961€510,729▲ 2,124%
Equity10/15€7,124€7,712€44,647▲ 479%
Contributions10/11€8,000€8,000€8,000=
Reserves13--€36,647-
Distributable reserves133--€36,647-
Profit (loss) carried forward14-€876-€288--
Amounts payable17/49€193€15,249€466,082▲ 2,957%
Amounts payable after more than one year17--€397,976-
Financial debts170/4--€194,147-
Other amounts payable178/9--€203,829-
Amounts payable within one year42/48€193€15,249€68,106▲ 347%
Current portion of amounts payable after more than one year42--€12,576-
Trade debts44--€541-
Suppliers440/4--€541-
Advances received on contracts in progress46--€30,000-
Taxes, remuneration and social security45--€9,380-
Taxes450/3--€9,380-
Other amounts payable47/48€193€15,249€15,608▲ 2.4%
Line202320242025Change
Profit (loss) for the period9904-€876€588€36,935▲ 6,177%
+ Depreciation and write-downs630--€1,319-
Operating cash flow (approximation)-€876€588€38,254▲ 6,402%
Change in cash-€6,644-€3,273▼ 149%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
01-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Highest result since 2023net €36,935 ▲6,177%
Operating result €59,019, net result €36,935, both a record.
31-12
Financial Liquidity times 5current ratio 7.17
Current ratio from 1.51 to 7.17.
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Back to profitnet €588
Net result €588 after one loss-making year.
02-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 2 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, Soignies · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
2,406 m²
Building footprint
154 m²
Volume, LiDAR
732 m³
Parcel 55044C0145/00P000, Wallonia · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
SDIG
Rue des Clochettes 13, 7061 SoigniesReal estate activities
since 20232.350.679.885
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
55044C0145/00P000 Wallonia 2,405 m² 1 · 154 m² 5.8 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.

Similar companies · same sector, comparable size

Of 9,698 companies in sector 68121 we hold annual accounts for 7,393. 4,927 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
Founded28-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
E-invoicing
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Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.