FIETSEN SAMAN
ActiveFIETSEN SAMAN has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.26M and a net result of €91k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-1
Solvency100▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 4.04 against 3.24 in 2024; short-term debt: 22.9% and cash: 3.6% of total assets), and 25.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
74.6%
Return on assets
5.4%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
45 d early
2023
20 d early
2022
21 d early
2021
20 d early
2020
26 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.26M▲ 2.1%
2024 · €1.23M
2018: €306k
2019: €368k
2020: €639k
2021: €899k
2022: €1.07M
2023: €1.21M
2024: €1.23M
2018 → 2025
Total assets
€1.69M▼ 6.4%
2024 · €1.80M
2018: €931k
2019: €971k
2020: €1.26M
2021: €1.63M
2022: €1.85M
2023: €1.82M
2024: €1.80M
2018 → 2025
Net result
€91k▼ 26.7%
2024 · €125k
2018: €104k
2019: €66k
2020: €277k
2021: €265k
2022: €187k
2023: €171k
2024: €125k
2018 → 2025
Working capital
€1.18M▲ 2.1%
2024 · €1.15M
2018: €289k
2019: €326k
2020: €593k
2021: €799k
2022: €982k
2023: €1.13M
2024: €1.15M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€899k-€1.07M▲ 19.2%€1.21M▲ 13.3%€1.23M▲ 1.7%€1.26M▲ 2.1%
Operating result€376k-€262k▼ 30.4%€241k▼ 8.0%€193k▼ 20.0%€140k▼ 27.4%
Net result€265k-€187k▼ 29.4%€171k▼ 8.6%€125k▼ 27.1%€91k▼ 26.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.69M
Fixed assets
€123k▼ 9.2%
Current assets
€1.56M▼ 6.2%
Equity and liabilities €1.69M
Equity
€1.26M▲ 2.1%
Debt
€428k▼ 24.9%
The debt ratio falls from 31.6% to 25.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€177k▼
2024 · €231k
Cash flow
€129k▼
2024 · €163k
Solvency
74.6%▲
2024 · 68.4%
Current ratio
4.04▲
2024 · 3.24
Quick ratio
0.62▲
2024 · 0.36
Debt / equity
0.34▼
2024 · 0.46
ROE
7.2%▼
2024 · 10.1%
ROA
5.4%▼
2024 · 6.9%
Interest coverage
11.80▲
2024 · 9.46
Debt
€428k▼
2024 · €570k
Debt ≤ 1 year
€387k▼
2024 · €514k
Debt > 1 year
€39k▼
2024 · €54k
Income taxes
€49k▼
2024 · €60k
Staff costs
€538k▲
2024 · €492k
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€1.80M€1.69M▼
Fixed assets21/28€136k€123k▼
Intangible fixed assets21€2k€3k▲
Tangible fixed assets22/27€127k€113k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€7k€26k▲
Other tangible fixed assets26€111k€81k▼
Financial fixed assets28€7k€7k▲
Current assets29/58€1.67M€1.56M▼
Stocks and contracts in progress3€1.48M€1.33M▼
Stocks30/36€1.48M€1.33M▼
Amounts receivable within one year40/41€150k€172k▲
Trade receivables40€28k€43k▲
Other amounts receivable41€123k€129k▲
Cash at bank and in hand54/58€32k€61k▲
Deferred charges and accrued income490/1€538€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.80M€1.69M▼
Equity10/15€1.23M€1.26M▲
Contributions10/11€155k€155k=
Reserves13€1.08M€1.10M▲
Distributable reserves133€1.08M€1.10M▲
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€570k€428k▼
Amounts payable after more than one year17€54k€39k▼
Financial debts170/4€54k€39k▼
Amounts payable within one year42/48€514k€387k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Financial debts43€150k€135k▼
Credit institutions430/8€150k€135k▼
Trade debts44€94k€91k▼
Suppliers440/4€94k€91k▼
Advances received on contracts in progress46€7k€10k▲
Taxes, remuneration and social security45€110k€126k▲
Taxes450/3€24k€31k▲
Remuneration and social security454/9€86k€96k▲
Other amounts payable47/48€140k€10k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€492k€538k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€37k▼
Other operating charges640/8€3k€6k▲
Gross operating margin9900€726k€722k▼
Operating profit (loss)9901€193k€140k▼
Financial income75/76B€16k€15k▼
Recurring financial income75€16k€15k▼
Financial charges65/66B€24k€15k▼
Recurring financial charges65€24k€15k▼
Profit (loss) for the period before taxes9903€185k€140k▼
Income taxes67/77€60k€49k▼
Profit (loss) for the period9904€125k€91k▼
Profit (loss) for the period to be appropriated9905€125k€91k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€93k▼
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2€101k€63k▼
Transfer to equity691/2€121k€89k▼
To other reserves6921€121k€89k▼
Profit to be distributed694/7€104k€65k▼
Return on contributions (dividend)694€101k€63k▼
Employees696€3k€3k▼
Social balance
Average headcount (FTE)90877.48.0▲
The notes to these accounts (16 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.07M ▲19.2%
5 profitable years in a row build equity to €1.07M.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €277k ▲322%
Net result €277k, the highest in the series.
31-12
Financial
Equity above €500kEq €639k ▲73.8%
3 profitable years in a row build equity to €639k.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €66k ▼36.9%
Net result drops to €66k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Wuustwezel · 3 establishment units since 2000
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.
Bredabaan (Centrum) 6732990 WuustwezelGround area
5,420 m²
Building footprint
1,242 m²
Volume, LiDAR
6,410 m³
4 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
FIETSEN SAMAN
since 20002.115.822.693
Fietsen Saman
since 20132.231.868.545
Fietsen Saman
since 20152.240.195.895
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642C0111/00E000 | Flanders | 1,739 m² | - | - |
| 11682G0261/00F004 | Flanders | 1,455 m² | 1 · 182 m² | 8.3 m · 2 fl. |
| 11053D0844/00R000 | Flanders | 1,279 m² | 1 · 512 m² | 9.8 m · 1 fl. |
| 11043D0884/00R002 | Flanders | 947 m² | 1 · 547 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels 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
2022 to 2023 · 2 entries · 25,372 EUR awarded · 25,372 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 20,451 EUR | 20,451 EUR |
| 2022 | 1 | 4,921 EUR | 4,921 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 1,126 companies in sector 47830 we hold annual accounts for 468. 254 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2000
Fiscal year end31-12
Activities, NACEBEL
45402
47632Retail sale of bicycles
47785Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
50400Inland freight water transport
52492
47639Retail sale of other sporting goods
47640Retail trade
52482
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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
1 entryE-mail:ilse@saman.be