SFdT GROUP
ActiveThe computed 12-month bankruptcy probability of SFdT GROUP is 1.5% (moderate). The 2025 annual accounts show negative equity (€-46k) and a net result of €-18k. Equity is shrinking by ~96.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 3476 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
28
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 4.93 against 6.19 in 2024; short-term debt: 15.5% and cash: 2.1% of total assets), but equity is negative.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
-131.3%
Return on assets
-50.3%
Age of the figures
18 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-46k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
4 d early
2022
101 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€-46k▼ 62.1%
2024 · €-28k
2022: €15k
2023: €-2k
2024: €-28k
2022 → 2025
Total assets
€35k▼ 35.3%
2024 · €54k
2022: €15k
2023: €84k
2024: €54k
2022 → 2025
Net result
€-18k▲ 34.1%
2024 · €-27k
2022: €-5k
2023: €-17k
2024: €-27k
2022 → 2025
Working capital
€21k▼ 41.0%
2024 · €36k
2023: €62k
2024: €36k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€-2k€-28k▼ 1,600%€-46k▼ 62.1%
Operating result€-5k-€-16k▼ 255%€-26k▼ 63.6%€-13k▲ 49.1%
Net result€-5k-€-17k▼ 277%€-27k▼ 56.2%€-18k▲ 34.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €26k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35k
Fixed assets
€8k▼ 24.8%
Current assets
€27k▼ 38.0%
Key figures and ratios
EBITDA
€-10k▲
2024 · €-24k
Cash flow
€-15k▲
2024 · €-24k
Solvency
-131.3%▼
2024 · -52.4%
Current ratio
4.93▼
2024 · 6.19
Quick ratio
1.68▼
2024 · 3.66
Debt / equity
-1.76▲
2024 · -2.91
ROA
-50.3%▼
2024 · -49.3%
Interest coverage
-2.43▲
2024 · -69.73
Debt
€81k▼
2024 · €83k
Debt ≤ 1 year
€5k▼
2024 · €7k
Debt > 1 year
€75k=
2024 · €75k
Income taxes
€0▼
2024 · €23
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€54k€35k▼
Fixed assets21/28€11k€8k▼
Intangible fixed assets21€8k€6k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€1k€901▼
Furniture and vehicles24€1k€491▼
Financial fixed assets28€300€600▲
Current assets29/58€43k€27k▼
Stocks and contracts in progress3€18k€18k=
Stocks30/36€18k€18k=
Amounts receivable within one year40/41€3k€8k▲
Trade receivables40€275€4k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€23k€742▼
Deferred charges and accrued income490/1€182€0▼
Equity and liabilities
Total equity and liabilities10/49€54k€35k▼
Equity10/15€-28k€-46k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-48k€-66k▼
Amounts payable17/49€83k€81k▼
Amounts payable after more than one year17€75k€75k=
Financial debts170/4€75k€75k=
Amounts payable within one year42/48€7k€5k▼
Financial debts43€110€20▼
Credit institutions430/8€110€20▼
Trade debts44€5k€182▼
Suppliers440/4€5k€182▼
Taxes, remuneration and social security45€273€3k▲
Taxes450/3€273€3k▲
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3€688€715▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€737€595▼
Gross operating margin9900€-23k€-10k▲
Operating profit (loss)9901€-26k€-13k▲
Financial income75/76B€0€85▲
Recurring financial income75€0€85▲
Financial charges65/66B€339€4k▲
Recurring financial charges65€339€4k▲
Profit (loss) for the period before taxes9903€-27k€-18k▲
Income taxes67/77€23€0▼
Profit (loss) for the period9904€-27k€-18k▲
Profit (loss) for the period to be appropriated9905€-27k€-18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-48k€-66k▼
Profit (loss) brought forward from the previous period14P€-22k€-48k▼
Transfer from equity791/2€0-
The notes to these accounts (12 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €-27k
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waregem · 1 establishment unit since 2021
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.
Mirakelstraat 1208790 WaregemGround area
7,846 m²
Building footprint
179 m²
Volume, LiDAR
1,294 m³
Parcel 34453E0049/00B000, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SFdT GROUP
since 20212.324.858.683
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34453E0049/00B000 | Flanders | 7,846 m² | 1 · 179 m² | 11.7 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 9,000 EUR awarded · 9,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 9,000 EUR | 9,000 EUR |
Schemes
Subsidies voor internationaal ondernemen
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Of 3,843 companies in sector 74111 we hold annual accounts for 1,008. 432 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2021
Fiscal year end31-03
Activities, NACEBEL
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.