SDL Finance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €50k and a net result of €768k. Its solvency ranks better than 6% of 1422 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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 advice for your own amount and term
Signals
Three 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 6% of 1422 sector peers (2024).
NBB · sector comparisonPosition among 1422 sector peers
Solvency
better than 6%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
51 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€50k
Net result
€768k
Total assets
€4.18M
Solvency
1.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €4.18M
Fixed assets
€2.99M
Current assets
€1.19M
Equity and liabilities €4.18M
Equity
€50k
Debt
€4.13M
Debt finances 98.8% of the balance-sheet total.
Key figures and ratios
Solvency
1.2%
ROA
18.4%
Debt
€4.13M
Debt ≤ 1 year
€1.57M
Debt > 1 year
€2.55M
Income taxes
€34k
Staff costs
€1.35M
A ratio outside any meaningful range has been withheld (balance sheet total €4.18M, equity €50k).
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€4.18M
Fixed assets21/28€2.99M
Intangible fixed assets21€2.96M
Tangible fixed assets22/27€29k
Furniture and vehicles24€29k
Financial fixed assets28€4k
Current assets29/58€1.19M
Amounts receivable within one year40/41€3k
Trade receivables40€3k
Cash at bank and in hand54/58€442k
Deferred charges and accrued income490/1€741k
Equity and liabilities
Total equity and liabilities10/49€4.18M
Equity10/15€50k
Contributions10/11€50k
Profit (loss) carried forward14€0
Amounts payable17/49€4.13M
Amounts payable after more than one year17€2.55M
Financial debts170/4€2.55M
Amounts payable within one year42/48€1.57M
Current portion of amounts payable after more than one year42€314k
Trade debts44€304k
Suppliers440/4€304k
Taxes, remuneration and social security45€139k
Taxes450/3€33k
Remuneration and social security454/9€106k
Other amounts payable47/48€818k
Accrued charges and deferred income492/3€2k
Income statement
Code2024
Remuneration, social security and pensions62€1.35M
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€526k
Other operating charges640/8€13k
Non-recurring operating charges66A€24k
Gross operating margin9900€2.85M
Operating profit (loss)9901€945k
Financial income75/76B€2k
Recurring financial income75€2k
Financial charges65/66B€145k
Recurring financial charges65€145k
Profit (loss) for the period before taxes9903€801k
Income taxes67/77€34k
Profit (loss) for the period9904€768k
Profit (loss) for the period to be appropriated9905€768k
Appropriation of the result
Profit (loss) to be appropriated9906€768k
Profit to be distributed694/7€768k
Directors or managers695€745k
Employees696€23k
Social balance
Average headcount (FTE)908713.9
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
NBB filing
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, Nazareth-De Pinte · 2 establishment units since 2023
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.
Drapstraat 1599810 Nazareth-De PinteGround area
2,883 m²
Building footprint
783 m²
Volume, LiDAR
5,171 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Drapstraat 159, 9810 Nazareth-De Pinte
since 20232.343.970.455
Gentse Steenweg 279, 9620 Zottegem
since 20232.343.970.653
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048F0709/00C000 | Flanders | 1,710 m² | 1 · 447 m² | 11.2 m · 3 fl. |
| 41035A0393/00W002 | Flanders | 1,173 m² | 1 · 336 m² | 8.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,337 EUR awarded · 1,809 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 535 EUR | 535 EUR |
| 2024 | 1 | 802 EUR | 802 EUR |
| 2023 | 1 | 0 EUR | 472 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Nelis & Winters
BE 0754.851.327
Peer · Eq €50k
IZY FINANCE
BE 0757.568.713
Brussel · Eq €50k
Maaslands Zakenkantoor
BE 0792.837.616
Maasmechelen · Eq €50k
SPKL
BE 0840.477.383
Namur · Eq €50k
Vesta Advies
BE 1009.834.138
Hoogstraten · Eq €50k
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,302 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2023
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:joke.stevens@ing.com
Phone:0478531537