Result
€1.4m ▲ 79.5%
The result rose in 2025 from €767,735 to €1.4m.
SDL Finance
Lifetime
2 annual accounts with figures on one time axispeak €2.9m (2024)
€2.5m▼ 12.6%
peak €1.4m (2025)
€1.4m▲ 79.5%
peak €50,000 (2024)
€50,000unchanged
€4.1m▼ 0.2%
peak 13.9 FTE (2024)
7.1 FTE▼ 48.9%
Board6 names since 2023
6 directorsEM & EL CONSULT and 5 others
Owners4 names in the annual accounts
37.5%Optifinn and 3 others
Documentsfilings and deeds
12-06-202649 days before the deadline
2025abbreviated format
Gross margin from €2.9m to €2.5mResult from €767,735 to €1.4mStaff from 13.9 FTE to 7.1 FTECash from €441,862 to €140,827
Key points
from the 2025 annual accountsTurnover
≈ €4.3m estimated
The abbreviated format states no turnover.
Debts
€4.1m 99% of the balance sheet
Financial debts 54%Suppliers 2%Taxes and wages 3%Other 41%
Of this, €1.9m falls due within a year.
Staff
8 employees on 31-12-2025
In 2025, 3 people joined and 3 left.
Starting capital
€50,000 2,000 shares
Position in the sector
1.2%
Lower solvency than 91% of companies in auxiliary financial services. Sector median 38.6% · 1,858 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 1858 sector peers (2025).
NBB · sector comparisonPosition among 1858 sector peers
Solvency
better than 8%
← 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 12-06-2026, 49 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
49 days early
2024
51 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 50 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- EM & EL CONSULT 37.5%equity €85,346 (2025) · 30-06-2025 annual accounts of EM & EL CONSULT
- Optifinn 37.5%equity €147,173 (2026) · 31-03-2026 annual accounts of Optifinn
- NELIXE 1%score 93equity €192,591 (2025) · 30-06-2025 annual accounts of NELIXE
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0800639285
Incorporation
Founding capital of €50,000, 2,000 shares · Founders: JeDeRa; Optifinn; Em & El Consult; and 6 others · Appointments: Optifinn (statutory director), Em & El Consult (statutory director), NELIXE (director), JeDeRa (director), SDS Harmonic Value (director) and Marfin (director) · published on 13-04-2023 · Gazette deed
2 establishments registered
Nazareth-De Pinte and Zottegem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SDL Finance Nazareth-De Pinte | €4.2m | €2.5m | 1.2% | 7.1 |
| Servatis Londerzeel | €4.2m | €1.4m | 16.3% | 7.2 |
| Vesta Advies Hoogstraten | €4.4m | €1.7m | 1.1% | 9.5 |
| Link-Gennen & Schmatz Saint-Vith | €3.3m | €1.4m | 28.5% | 7.6 |
| Financieel Maatwerk Hasselt | €4.1m | €1.9m | 17.5% | 7 |
| DHV & PARTNERS Vilvoorde | €2.9m | €1.5m | 1.5% | 9.2 |
| Induver Brussel Dilbeek | €2.7m | €1.7m | 64.0% | 8.4 |
These companies have the same main activity as SDL Finance: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €2.7m and €4.4m, founded between 2019 and 2024.
Official details
Source: KBO- Status
- Active since 11-04-2023Normal situation
- Activity
- Insurance agents and brokersNACE 66220and 1 other
- Joint committee
- 341Intermediation in banking and investment services · annual accounts 2025
- Establishment units
- 2.343.970.4559810 Nazareth-De Pinte, since 11-04-2023
- 2.343.970.6539620 Zottegem, since 11-04-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 01-12-2025
Annual accounts 2025
- €4.2m▼ 0.2%
- Employeeson 31-12-2025
- 8=
- Filing
- Filed on 12-06-2026, 49 days before the end of the filing period
Insights on SDL Finance
SDL Finance 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 €50,000 and a net result of €1.4m.
Its solvency ranks better than 8% of 1,858 sector peers (NACE 66, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SDL Finance
- What is the company number of SDL Finance?
- The company number of SDL Finance is 0800.639.285. The VAT number is the same number with BE in front: BE 0800.639.285.
- Where is SDL Finance based?
- The registered office is at Drapstraat 159, 9810 Nazareth-De Pinte.Company details
- What does SDL Finance do?
- According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
- What is the legal form of SDL Finance?
- SDL Finance is a private limited company (BV).
- When was SDL Finance founded?
- SDL Finance was founded on 11-04-2023.
- Is SDL Finance still active?
- Yes, SDL Finance is an active enterprise in the KBO register.
- How many employees does SDL Finance have?
- SDL Finance had an average of 7.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does SDL Finance fall under?
- In its 2025 annual accounts, SDL Finance states joint committee 341 (Intermediation in banking and investment services).
- What is the turnover of SDL Finance?
- The turnover in financial year 2025 is ≈ €4.3m. This figure is estimated from the gross margin of €2.5m and 1,586 comparable companies of the same size. It probably lies between €2.9m and €7.1m. It is a rough estimate.
- Is SDL Finance profitable?
- In financial year 2025, SDL Finance made a profit of €1.4m.
- Where can I find the annual accounts of SDL Finance?
- SDL Finance filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SDL Finance due?
- SDL Finance must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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