SDYF

Active

Private limited companyfounded 20197 yrs activeRue du Vicinal(W-V) 48 bis, 7620 Brunehaut, BelgiumKBO/BCE: BE 0721.593.787

The computed 12-month bankruptcy probability of SDYF is 4.0% (elevated). The 2024 annual accounts show equity of €51k and a net result of €10k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 62% of 18941 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

64 / 100

Healthy▲ +3 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency59▲+20

Growth52=

Stability100

Bankruptcy probability, 12 months

4.0% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €4k at 30 days acceptable

Liquidity short (current ratio 0.7 against 0.56 in 2023), and 56.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

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

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

43.3%

Return on assets

8.7%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-09-2025, 43 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 6 filings

Deviation from the deadline

2025

not confirmed

2024

43 d late

2023

26 d late

2022

31 d early

2021

72 d early

2020

25 d late

2019

31 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€51k▲ 25.2%

2023 · €41k

2019: €39k 2020: €43k 2021: €41k 2022: €31k 2023: €41k

2019 → 2024

Total assets

€117k▼ 9.6%

2023 · €130k

2019: €113k 2020: €110k 2021: €98k 2022: €84k 2023: €130k

2019 → 2024

Net result

€10k▲ 4.9%

2023 · €10k

2019: €32k 2020: €5k 2021: €-3k 2022: €-10k 2023: €10k

2019 → 2024

Working capital

€-20k▲ 49.0%

2023 · €-39k

2019: €-31k 2020: €-29k 2021: €-23k 2022: €-21k 2023: €-39k

2019 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€43k-€41k▼ 5.8%€31k▼ 24.4%€41k▲ 31.6%€51k▲ 25.2%

Operating result€2k-€-968€-8k▼ 770%€14k€19k▲ 33.0%

Net result€5k-€-3k€-10k▼ 294%€10k€10k▲ 4.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 33% above 2023 and is the highest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €117k

60.3%

39.7%

Fixed assets €71k▼ 11.2%

Current assets €47k▼ 7.0%

Equity and liabilities €117k

43.3%

56.7%

Equity €51k▲ 25.2%

Debt €67k▼ 25.4%

The debt ratio falls from 68.7% to 56.7%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€36k▲

2023 · €29k

Cash flow

€28k▲

2023 · €25k

Solvency

43.3%▲

2023 · 31.3%

Current ratio

0.70▲

2023 · 0.56

Quick ratio

0.56▲

2023 · 0.51

Debt / equity

1.31▼

2023 · 2.20

ROE

20.1%▼

2023 · 24.0%

ROA

8.7%▲

2023 · 7.5%

Interest coverage

8.32▼

2023 · 19.86

Debt

€67k▼

2023 · €89k

Debt ≤ 1 year

€67k▼

2023 · €89k

Income taxes

€4k▲

2023 · €3k

Staff costs

€17k▲

2023 · €14k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€130k€117k▼

Fixed assets21/28€80k€71k▼

Tangible fixed assets22/27€80k€71k▼

Land and buildings22€24k€31k▲

Plant, machinery and equipment23€18k€15k▼

Furniture and vehicles24€38k€25k▼

Current assets29/58€50k€47k▼

Stocks and contracts in progress3€4k€9k▲

Stocks30/36€4k€9k▲

Amounts receivable within one year40/41€6k€3k▼

Trade receivables40€5k€455▼

Other amounts receivable41€1k€2k▲

Cash at bank and in hand54/58€26k€15k▼

Deferred charges and accrued income490/1€15k€20k▲

Equity and liabilities

Total equity and liabilities10/49€130k€117k▼

Equity10/15€41k€51k▲

Contributions10/11€6k€6k=

Reserves13€2k€2k=

Distributable reserves133€2k€2k=

Profit (loss) carried forward14€33k€43k▲

Amounts payable17/49€89k€67k▼

Amounts payable within one year42/48€89k€67k▼

Trade debts44€15k€2k▼

Suppliers440/4€15k€2k▼

Taxes, remuneration and social security45€10k€7k▼

Taxes450/3€5k€3k▼

Remuneration and social security454/9€5k€5k▲

Other amounts payable47/48€64k€57k▼

Income statement Code20232024

Remuneration, social security and pensions62€14k€17k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€17k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k

Other operating charges640/8€1k€2k▲

Gross operating margin9900€45k€57k▲

Operating profit (loss)9901€14k€19k▲

Financial income75/76B€170€19▼

Recurring financial income75€170€19▼

Financial charges65/66B€1k€4k▲

Recurring financial charges65€1k€4k▲

Profit (loss) for the period before taxes9903€13k€14k▲

Income taxes67/77€3k€4k▲

Profit (loss) for the period9904€10k€10k▲

Profit (loss) for the period to be appropriated9905€10k€10k▲

Appropriation of the result

Profit (loss) to be appropriated9906€33k€43k▲

Profit (loss) brought forward from the previous period14P€23k€33k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

2025

12-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 43 days late

2024

26-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 26 days late

2023

31-12

Financial Back to profitnet €10k

Net result €10k after 2 loss-making years.

30-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-10k

Net result drops to €-10k, the lowest in the series; recovery starts the following year.

20-05

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

25-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 25 days late

2020

31-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Brunehaut · 1 establishment unit since 2019

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.

Rue du Vicinal(W-V) 48 bis7620 Brunehaut

Ground area

678 m²

Building footprint

164 m²

Volume, LiDAR

1,422 m³

Parcel 57089A0072/00K003, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

SDYF

Rue du Vicinal(W-V) 48 bis, 7620 BrunehautLimited-service restaurants, excluding mobile food services

since 20192.288.989.469

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57089A0072/00K003	Wallonia	678 m²	1 · 164 m²	10.9 m · 3 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

Heusden-Zolder · Eq €51k

Of 21,633 companies in sector 56112 we hold annual accounts for 9,660. 8,271 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-02-2019

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.