Summary
SDK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €687,019 and a net result of €174,500. Equity is growing by ~45.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 5585 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 5585 sector peers (2025).
NBB · sector comparisonPosition among 5585 sector peers
Solvency
better than 25%
← weakest
strongest →
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 19-07-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
16 d late
2023
19 d late
2022
30 d late
2021
26 d late
2020
31 d late
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 20 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€687,019▲ 34.0%
2024 · €512,520
Net result
€174,500▲ 23.5%
2024 · €141,310
Total assets
€2.9m▲ 28.1%
2024 · €2.3m
Solvency
23.4%▲ 1.0pp
2024 · 22.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20212022202320242025
Operating result€95,378▼ 1.7%€105,976▲ 11.1%€192,447▲ 81.6%€211,395▲ 9.8%€279,518▲ 32.2%
Net result€60,396within the sector's middle half▲ 13.7%€64,482within the sector's middle half▲ 6.8%€131,828above the sector's middle half▲ 104%€141,310within the sector's middle half▲ 7.2%€174,500within the sector's middle half▲ 23.5%
Equity€174,899within the sector's middle half▲ 52.7%€239,381within the sector's middle half▲ 36.9%€371,209within the sector's middle half▲ 55.1%€512,520within the sector's middle half▲ 38.1%€687,019within the sector's middle half▲ 34.0%
Total assets€1.7mabove the sector's middle half▲ 21.8%€2.1mabove the sector's middle half▲ 27.6%€2.2mabove the sector's middle half▲ 4.7%€2.3mwithin the sector's middle half▲ 2.3%€2.9mwithin the sector's middle half▲ 28.1%
Debt€1.5m▲ 19.0%€1.9m▲ 26.6%€1.9m▼ 1.6%€1.8m▼ 4.8%€2.2m▲ 26.4%
Working capital-€45,349below the sector's middle half▼ 6.9%€164,728above the sector's middle half-€90,080below the sector's middle half-€74,750within the sector's middle half▲ 17.0%-€86,398within the sector's middle half▼ 15.6%
Solvency10.4%below the sector's middle half▲ 2.1pp11.2%below the sector's middle half▲ 0.8pp16.6%below the sector's middle half▲ 5.4pp22.4%below the sector's middle half▲ 5.8pp23.4%below the sector's middle half▲ 1.0pp
Current ratio0.69within the sector's middle half▲ 0.102.14within the sector's middle half▲ 1.460.63below the sector's middle half▼ 1.510.65within the sector's middle half▲ 0.020.81within the sector's middle half▲ 0.16
Return on assets (ROA)3.6%within the sector's middle half▼ 0.3pp3.0%within the sector's middle half▼ 0.6pp5.9%within the sector's middle half▲ 2.9pp6.2%within the sector's middle half▲ 0.3pp5.9%within the sector's middle half▼ 0.2pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 has risen four years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.9m
Fixed assets
€2.6m ▲ 19.4%
Current assets
€365,510 ▲ 163%
Equity and liabilities €2.9m
Equity
€687,019 ▲ 34.0%
Debt
€2.2m ▲ 26.4%
Debt's share of the balance-sheet total falls from 77.6% to 76.6%. Equity and debt are higher.
Key figures and ratios
ROE
25.4%▼
2024 · 27.6%
Debt ≤ 1 year
€451,908▲
2024 · €213,967
Debt > 1 year
€1.8m▲
2024 · €1.6m
Income taxes
€66,827▲
2024 · €50,544
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | -€152 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,334 | €27,005 | €38,490 | €43,212 | €92,864 | ▲ 115% |
| Other operating charges640/8 | €3,144 | €2,759 | €1,791 | €13,717 | €7,225 | ▼ 47.3% |
| Gross operating margin9900 | €115,704 | €135,739 | €232,728 | €268,323 | €379,607 | ▲ 41.5% |
| Operating profit (loss)9901 | €95,378 | €105,976 | €192,447 | €211,395 | €279,518 | ▲ 32.2% |
| Financial income75/76B | - | €3 | - | €86 | - | - |
| Recurring financial income75 | - | €3 | - | €86 | - | - |
| Financial charges65/66B | €17,720 | €21,499 | €20,105 | €19,627 | €38,191 | ▲ 94.6% |
| Recurring financial charges65 | €17,720 | €21,499 | €20,105 | €19,627 | €38,191 | ▲ 94.6% |
| Profit (loss) for the period before taxes9903 | €77,658 | €84,479 | €172,342 | €191,854 | €241,327 | ▲ 25.8% |
| Income taxes67/77 | €17,262 | €19,998 | €40,514 | €50,544 | €66,827 | ▲ 32.2% |
| Profit (loss) for the period9904 | €60,396 | €64,482 | €131,828 | €141,310 | €174,500 | ▲ 23.5% |
| Profit (loss) for the period to be appropriated9905 | €60,396 | €64,482 | €131,828 | €141,310 | €174,500 | ▲ 23.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.7m | €2.1m | €2.2m | €2.3m | €2.9m | ▲ 28.1% |
| Fixed assets21/28 | €1.6m | €1.8m | €2.1m | €2.2m | €2.6m | ▲ 19.4% |
| Tangible fixed assets22/27 | €1.6m | €1.8m | €2.1m | €2.1m | €2.6m | ▲ 19.5% |
| Land and buildings22 | €1.6m | €1.8m | €2.1m | €2.0m | €2.5m | ▲ 21.6% |
| Furniture and vehicles24 | - | - | €10,483 | €107,964 | €85,864 | ▼ 20.5% |
| Financial fixed assets28 | €8,300 | €8,300 | €8,300 | €8,300 | €8,300 | = |
| Current assets29/58 | €99,054 | €308,639 | €155,640 | €139,217 | €365,510 | ▲ 163% |
| Amounts receivable within one year40/41 | €21,638 | €51,862 | €39,838 | €44,673 | €277,559 | ▲ 521% |
| Trade receivables40 | €20,882 | €51,862 | €30,800 | €35,070 | €272,559 | ▲ 677% |
| Other amounts receivable41 | €756 | - | €9,038 | €9,603 | €5,000 | ▼ 47.9% |
| Cash at bank and in hand54/58 | €71,956 | €253,095 | €107,842 | €90,847 | €82,881 | ▼ 8.8% |
| Deferred charges and accrued income490/1 | €5,460 | €3,682 | €7,961 | €3,697 | €5,070 | ▲ 37.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.7m | €2.1m | €2.2m | €2.3m | €2.9m | ▲ 28.1% |
| Equity10/15 | €174,899 | €239,381 | €371,209 | €512,520 | €687,019 | ▲ 34.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €156,299 | €220,781 | €352,609 | €493,920 | €668,419 | ▲ 35.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €154,439 | €218,921 | €352,609 | €493,920 | €668,419 | ▲ 35.3% |
| Amounts payable17/49 | €1.5m | €1.9m | €1.9m | €1.8m | €2.2m | ▲ 26.4% |
| Amounts payable after more than one year17 | €1.4m | €1.8m | €1.6m | €1.6m | €1.8m | ▲ 14.8% |
| Financial debts170/4 | €1.4m | €1.8m | €1.6m | €1.6m | €1.8m | ▲ 14.8% |
| Amounts payable within one year42/48 | €144,403 | €143,911 | €245,720 | €213,967 | €451,908 | ▲ 111% |
| Current portion of amounts payable after more than one year42 | €79,910 | €94,405 | €136,619 | €157,057 | €182,864 | ▲ 16.4% |
| Trade debts44 | €27,867 | €2,736 | €48,951 | €10,896 | €29,067 | ▲ 167% |
| Suppliers440/4 | €27,867 | €2,736 | €48,951 | €10,896 | €29,067 | ▲ 167% |
| Taxes, remuneration and social security45 | €32,602 | €43,989 | €57,697 | €44,826 | €103,075 | ▲ 130% |
| Taxes450/3 | €32,602 | €43,989 | €57,697 | €44,826 | €103,075 | ▲ 130% |
| Other amounts payable47/48 | €4,024 | €2,781 | €2,453 | €1,188 | €136,902 | ▲ 11,425% |
| Accrued charges and deferred income492/3 | €2,158 | €735 | - | €1,541 | €2,087 | ▲ 35.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €60,396 | €64,482 | €131,828 | €141,310 | €174,500 | ▲ 23.5% |
| + Depreciation and write-downs630 | €17,334 | €27,005 | €38,490 | €43,212 | €92,864 | ▲ 115% |
| Operating cash flow (approximation) | €77,730 | €91,487 | €170,318 | €184,522 | €267,364 | ▲ 44.9% |
| Investment in fixed assets (approximation) | - | -€280,582 | -€292,198 | -€112,124 | -€511,292 | ▼ 356% |
| Change in cash | - | €181,140 | -€145,254 | -€16,995 | -€7,966 | ▲ 53.1% |
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
14-09
State Gazette act
RestructuringAppointment: Sven Deketelaere (director) · Demerger · Capital21 facts ▸
State Gazette act
Restructuring
Appointment: Sven Deketelaere (director) · Demerger · Capital21 facts ▸
- Board meeting, 09-09-2026
- Demerger, 09-09-2026
- Demerger, 09-09-2026
- Director in office, Sven Deketelaere (sole director)
- Capital, €10.055,68
- Director appointment, Sven Deketelaere (director)
- Director appointment, Sven Deketelaere (director)
- Share issue, EUR, 100
- Other statement, oplegsom, 0
- Other statement, bestuurder van de nieuwe vennootschappen, wijze van uitreiking aandelen
- Accounting effect, 01-07-2026
- Other statement, geen bijzondere rechten of andere effecten
- +9 further facts in this act
19-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €174,500 ▲23.5%
Operating result €279,518, net result €174,500, both a record.
16-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 16 days late
2024
31-12
Financial
Equity above €500,000Eq €512,520 ▲38.1%
7 profitable years in a row build equity to €512,520.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 2.14
Current ratio from 0.69 to 2.14; short-term debt falls from €144,403 to €143,911.
31-12
Financial
Equity above €200,000Eq €239,381 ▲36.9%
5 profitable years in a row build equity to €239,381.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Equity above €150,000Eq €174,899 ▲52.7%
4 profitable years in a row build equity to €174,899.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Show earlier events
2020
31-12
Financial
Equity above €100,000Eq €114,503 ▲86.6%
3 profitable years in a row build equity to €114,503.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Weakest financial yearnet €8,479 ▼26.7%
Net result drops to €8,479, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
25-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Sven Deketelaere
CurrentDirector · since 14-09-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Oostkamp · 1 establishment unit since 2015
Ground area
3,061 m²
Building footprint
196 m²
Volume, LiDAR
553 m³
Parcel 31403F0463/00C000, Flanders · tallest building 7.8 m. Linked by address, not a title deed.
1 establishment unit
SDK
since 20152.248.248.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31403F0463/00C000 | Flanders | 3,061 m² | 1 · 196 m² | 7.8 m |
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.
Mandate history
1 person since 2026, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| Sven Deketelaere |
|
Articles of association
Purpose
1. Het verlenen van managementadviezen inzake marketing, productie, financiën, administratief en commercieel beheer; 2. Het uitwerken van organisatieprojecten in ondernemingen; 3.…
Full purpose (23 activities)
- 1. Het verlenen van managementadviezen inzake marketing, productie, financiën, administratief en commercieel beheer;
- 2. Het uitwerken van organisatieprojecten in ondernemingen;
- 3. Het rekruteren, selecteren, opleiden en begeleiden van bedrijfspersoneel;
- 4. Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen, het stimuleren, de planning, de coördinatie van de ontwikkeling en investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt;
- 5. Het verlenen van adviezen van financiële, technische, commerciële of administratieve aard;
- 6. Het waarnemen van alle bestuursopdrachten, het uitoefenen van opdrachten en functies;
- 7. Het ontwikkelen, kopen, verkopen, in licentie nemen of geven van octrooien, knowhow en aanverwante immateriële duurzame activa;
- 8. Het verlenen van administratieve prestaties;
- 9. Het onderzoek, de ontwikkeling, de vervaardiging of commercialisering van nieuwe producten, nieuwe vormen van technologie en hun toepassingen;
- 10. Het uitvoeren van alle studies en onderzoek, marktonderzoek;
- 11. Het uitvoeren van promotie, prospectie, techno-consult;
- 12. Het voeren van publiciteit, reclame, marketing en algemene communicatie onder alle vormen;
- 13. Het uitvoeren van alle werken die voor de verwezenlijking van publiciteit, reclame, marketing en algemene communicatie noodzakelijk zijn, zonder enige beperking;
- 14. Het verlenen van managementassistentie;
- 15. Het verwerven, het verkopen, het verhuren of het geven van concessies van handelsfondsen;
- 16. Het inrichten en in stand houden van handelszaken;
- 17. Het huren, verhuren en operationele leasing, laten bouwen en verbouwen en aankopen van alle materialen en roerende goederen daaromtrent, zelfs indien deze in geen rechtstreeks verband staan met het voorwerp;
- 1. Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen;
- 2. Alle verrichtingen met betrekking tot onroerende goederen en zakelijke rechten op onroerende goederen, zoals de huurfinanciering van onroerende goederen aan derden, het aankopen, verkopen, ruilen, verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen;
- 3. De aan- en verkoop, huur en verhuur van roerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van roerende en onroerende goederen te bevorderen, alsmede zich borg te stellen voor het goede verloop van verbintenissen, door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen;
- 4. Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen, alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten rechtspersonen en ondernemingen;
- I. Voor eigen rekening, voor rekening van derden, of in deelneming met derden, bijdragen tot de vestiging en de ontwikkeling van rechtspersonen en ondernemingen, zoals:
- II. Beheer van eigen roerend en onroerend vermogen
Name clause
Legal form clause
Besloten vennootschap
Registered office clause
Waterstraat, 35 8020 Oostkamp
Dissolution rule
De ontbinding van de vennootschap kan echter in rechte gevorderd worden om wettige redenen., De vennootschap kan ook vrijwillig ontbonden worden door een beslui…
Other statement
One provision in the deed
Accounting effect
01-07-2026
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
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Shareholding
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Acquisitions and mergers
3 transactionsCapital and shareholders
Shareholders according to the acts
Stated in the act
act of 14-09-2026 ↗
- Sven Deketelaere all shares
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 14-09-2026 Capital stated in the act · 10,055.68 EUR · 100 shares
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Identification & contact
Identification
Legal formPrivate limited company
Founded23-11-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0643547884
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.