SDSN
ActiveSDSN has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €187k and a net result of €27k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 29% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-2
Solvency60▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.94 in 2024; short-term debt: 25.7% and cash: 25.2% of total assets), and 65.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34.9%
Return on assets
5.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-04-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
15 d early
2023
40 d early
2022
4 d early
2021
18 d early
2020
on the day
2019
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€187k▲ 1.5%
2024 · €184k
2018: €24k
2019: €59k
2020: €84k
2021: €124k
2022: €155k
2023: €180k
2024: €184k
2018 → 2025
Total assets
€537k▼ 12.7%
2024 · €615k
2018: €414k
2019: €487k
2020: €548k
2021: €563k
2022: €615k
2023: €626k
2024: €615k
2018 → 2025
Net result
€27k▼ 28.8%
2024 · €39k
2018: €18k
2019: €35k
2020: €25k
2021: €40k
2022: €41k
2023: €43k
2024: €39k
2018 → 2025
Working capital
€8k
2024 · €-10k
2018: €-86k
2019: €-127k
2020: €-34k
2021: €12k
2022: €-8k
2023: €33k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€155k▲ 24.9%€180k▲ 16.3%€184k▲ 2.6%€187k▲ 1.5%
Operating result€69k-€62k▼ 11.2%€71k▲ 14.8%€57k▼ 18.9%€53k▼ 7.8%
Net result€40k-€41k▲ 1.9%€43k▲ 5.3%€39k▼ 9.8%€27k▼ 28.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 8% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €537k
Fixed assets
€391k▼ 16.6%
Current assets
€146k▼ 0.2%
Equity and liabilities €537k
Equity
€187k▲ 1.5%
Debt
€350k▼ 18.8%
The debt ratio falls from 70.0% to 65.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€140k▼
2024 · €141k
Cash flow
€114k▼
2024 · €122k
Solvency
34.9%▲
2024 · 30.0%
Current ratio
1.06▲
2024 · 0.94
Quick ratio
1.06▲
2024 · 0.94
Debt / equity
1.87▼
2024 · 2.33
ROE
14.7%▼
2024 · 20.9%
ROA
5.1%▼
2024 · 6.3%
Interest coverage
11.65▲
2024 · 10.35
Debt
€350k▼
2024 · €430k
Debt ≤ 1 year
€138k▼
2024 · €156k
Debt > 1 year
€205k▼
2024 · €272k
Income taxes
€15k▼
2024 · €19k
Staff costs
€7k
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€615k€537k▼
Fixed assets21/28€469k€391k▼
Tangible fixed assets22/27€469k€391k▼
Land and buildings22€371k€323k▼
Plant, machinery and equipment23€48k€31k▼
Furniture and vehicles24€49k€37k▼
Current assets29/58€146k€146k▼
Amounts receivable within one year40/41€1k€103▼
Trade receivables40€1k€103▼
Cash at bank and in hand54/58€134k€135k▲
Deferred charges and accrued income490/1€11k€10k▼
Equity and liabilities
Total equity and liabilities10/49€615k€537k▼
Equity10/15€184k€187k▲
Contributions10/11€6k€6k=
Reserves13€188k€191k▲
Distributable reserves133€188k€191k▲
Profit (loss) carried forward14€-10k€-10k=
Amounts payable17/49€430k€350k▼
Amounts payable after more than one year17€272k€205k▼
Financial debts170/4€272k€205k▼
Amounts payable within one year42/48€156k€138k▼
Current portion of amounts payable after more than one year42€67k€67k▼
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€15k€9k▼
Suppliers440/4€15k€9k▼
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€11k€3k▼
Remuneration and social security454/9-€543
Other amounts payable47/48€63k€55k▼
Accrued charges and deferred income492/3€3k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€87k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€147k€152k▲
Operating profit (loss)9901€57k€53k▼
Financial income75/76B€14k€2k▼
Recurring financial income75€864€2k▲
Non-recurring financial income76B€13k€0▼
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€58k€43k▼
Income taxes67/77€19k€15k▼
Profit (loss) for the period9904€39k€27k▼
Profit (loss) for the period to be appropriated9905€39k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€18k▼
Profit (loss) brought forward from the previous period14P€-10k€-10k=
Transfer from equity791/2€34k€25k▼
Transfer to equity691/2€39k€27k▼
To other reserves6921€39k€27k▼
Profit to be distributed694/7€34k€25k▼
Return on contributions (dividend)694€34k€25k▼
The notes to these accounts (10 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
2026
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €43k ▲5.3%
Operating result €71k, net result €43k, both a record.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €150kEq €155k ▲24.9%
5 profitable years in a row build equity to €155k.
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €100kEq €124k ▲47.6%
4 profitable years in a row build equity to €124k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Namur · 1 establishment unit since 2005
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.
Chaussée de Waterloo(SS) 2955002 NamurGround area
176 m²
Building footprint
55 m²
Volume, LiDAR
553 m³
Parcel 92108B0377/00K016, Wallonia · tallest building 12.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Waterloo(SS) 295, 5002 Namur
since 20052.224.944.527
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108B0377/00K016 | Wallonia | 176 m² | 1 · 55 m² | 12.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
Serge Sleurs
BE 0686.878.378
Herk-de-Stad · Eq €187k
DEKASSIX
BE 0780.990.847
Fleurus · Eq €187k
DB CLINIC
BE 1012.846.185
Antwerpen · Eq €187k
Tandarts Keanu Keymeulen
BE 1002.242.897
Sint-Gillis-Waas · Eq €188k
Cabinet dentaire WALCZYNSKI Christine
BE 0886.911.679
Durbuy · Eq €187k
Of 6,938 companies in sector 86230 we hold annual accounts for 4,288. 3,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2005
Fiscal year end30-09
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.
Contact details
2 entriesPhone:081/58.39.79
Fax:081/58.39.79