Equity
€62,559 ▲ 115%
SUD CAPITALE paid out €859 in dividends. That is 2% of the 2025 profit.
SUD CAPITALE
Lifetime
16 annual accounts with figures on one time axisGross marginpeak €54,220 (2025)
€54,220▲ 204%
Resultlowest -€10,083 (2010)
€37,384▲ 288%
Equitypeak €62,559 (2025)
€62,559▲ 115%
Debts
€9,703▲ 65.8%
Board3 names since 2023
2 directorsDE PAEPE and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €17,817 to €54,220Result from €9,637 to €37,384Dividend €859Equity from €29,158 to €62,559Debts from €5,852 to €9,703Cash from €19,394 to €44,820
Key points
from the 2025 annual accountsFilings
16 annual accounts since 2010
Five of the last ten came late. The 2020 accounts came latest: 31 days after the end of the period.
Position in the sector
86.6%
Higher solvency than 92% of companies in retail trade. Sector median 33.2% · 22,817 companies.
Checked score
99
Excellent
Financially stronger than 94% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,278 companies (NACE 47, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.4%▲ +0.1 percentage points vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025
08-2025: 0.8%▲ +0.3 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -0.7 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Size: total assets €72,262
lowers risk
Liquidity: current ratio 7.16, cash €44,820
Equity €62,559 (86.6% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 92% of them on solvency, 96% on liquidity, 96% on profitability and 93% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as SUD CAPITALE has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of SUD CAPITALE itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for SUD CAPITALE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.16 (5.52 in 2024), above the usual 1.5. Short-term debt is 13.4% and cash 62% of total assets. 13.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
20 days late
2023
30 days late
2022
26 days early
2021
40 days early
2020
31 days late
2019
25 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 3 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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. The company usually files around 20 August (4 of the last 5 accounts filed within 46 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
JA
JACQUET André
Director
- Caroline DE PAEPE 90 sharesdeed of 21-10-2022
- André JACQUET 10 sharesdeed of 21-10-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0824256708
Changes of role: DE PAEPE (director) and JACQUET (director)
“Le textile en général,et en particulier,sans que cette énumération ne soit limitative,le prêt-à-porter,toutes…” (deed in French) · Legal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: DE PAEPE · General meeting of 20-12-2023 · Gazette deed
Resignations & appointments
Caroline DE PAEPE holds 90 shares · André JACQUET holds 10 shares · General meeting of 30-06-2022 · Gazette deed
First establishment
Le Patard 6, Brugelette
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| SUD CAPITALE Brugelette | €72,262 | €54,220 | 86.6% | - |
| ANS SETHI La Louvière | €75,075 | €72,100 | -116.4% | - |
| MARIE LINGERIE Antwerp | €82,949 | €53,477 | 25.0% | - |
| SARACAPELO Wavre | €78,964 | €55,922 | 19.1% | - |
| THE GENERAL TRADING Hotton | €74,853 | €57,650 | 33.1% | - |
| C-LAROCK Tienen | €84,110 | €50,177 | 35.7% | - |
| OLT Ghent | €64,945 | €62,868 | -41.5% | 1 |
These companies have the same main activity as SUD CAPITALE: retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716). They are comparable in size and age: total assets between €64,900 and €84,100, founded between 2008 and 2011.
Official details
Source: KBO- Status
- Active since 16-03-2010Normal situation
- Activity
- Retail sale of clothing and accessories for women, men, children and babies (general range)NACE 47716and 1 other
- Establishment unit
- 2.186.856.0907942 Brugelette, since 01-04-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 15-10-2025
Annual accounts 2025
- Turnover
- ≈ €260,000estimated
- Total assets
- €72,262▲ 106%
- Filing
- Filed on 31-08-2026
Insights on SUD CAPITALE
SUD CAPITALE files the micro format. That format states no turnover. The gross margin rose from -€6,539 in 2010 to €54,220 in 2025.
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 SUD CAPITALE
- What is the company number of SUD CAPITALE?
- The company number of SUD CAPITALE is 0824.256.708. The VAT number is the same number with BE in front: BE 0824.256.708.
- Where is SUD CAPITALE based?
- The registered office is at Le Patard 6, 7942 Brugelette.Company details
- What does SUD CAPITALE do?
- According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
- What is the legal form of SUD CAPITALE?
- SUD CAPITALE is a private limited company (BV).
- When was SUD CAPITALE founded?
- SUD CAPITALE was founded on 16-03-2010.
- Is SUD CAPITALE still active?
- Yes, SUD CAPITALE is an active enterprise in the KBO register.
- What is the turnover of SUD CAPITALE?
- The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €54,220 and 44 comparable companies (NACE 477). It probably lies between €140,000 and €360,000.Financials
- Is SUD CAPITALE profitable?
- In financial year 2025, SUD CAPITALE made a profit of €37,384.
- Where can I find the annual accounts of SUD CAPITALE?
- SUD CAPITALE filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SUD CAPITALE due?
- SUD CAPITALE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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