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Firma Sammy

Active
Private limited companyfounded 20251 yr activeGrote Baan 125, 9920 Lievegem, BelgiumKBO/BCE: BE 1018.447.441
Summary

Firma Sammy has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31,051 and a net result of €26,051. Its solvency ranks better than 45% of 4665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency61
Growth-
Track record67
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.12; short-term debt: 64.2% and cash: 0.3% of total assets), and 64.2% of the assets are financed with debt.
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Signals

Four 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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
35.8%
Return on assets
30%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 1 filing
Deviation from the deadline
2025
30 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · 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

History

On 8 January 2025, Firma Sammy was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€31,051
Total assets
€86,845
Net result
€26,051
Working capital
€6,906

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

Balance-sheet composition
Assets €86,845
Fixed assets €24,144
Current assets €62,700
Equity and liabilities €86,845
Equity €31,051
Debt €55,794
Debt finances 64.2% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€43,679
Cash flow
€36,840
Current ratio
1.12
Quick ratio
1.01
Debt to equity
1.80
ROE
83.9%
ROA
30.0%
Interest coverage
133.97
Debt ≤ 1 year
€55,794
Income taxes
€6,530
Staff costs
€121,943

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 43 lines
Balance sheet Code2025
Assets
Total assets20/58€86,845
Fixed assets21/28€24,144
Tangible fixed assets22/27€24,144
Plant, machinery and equipment23€13,857
Furniture and vehicles24€10,288
Current assets29/58€62,700
Stocks and contracts in progress3€6,503
Stocks30/36€6,503
Amounts receivable within one year40/41€54,478
Trade receivables40€24,622
Other amounts receivable41€29,856
Cash at bank and in hand54/58€225
Deferred charges and accrued income490/1€1,495
Equity and liabilities
Total equity and liabilities10/49€86,845
Equity10/15€31,051
Contributions10/11€5,000
Reserves13€26,051
Distributable reserves133€26,051
Amounts payable17/49€55,794
Amounts payable within one year42/48€55,794
Trade debts44€22,112
Suppliers440/4€22,112
Advances received on contracts in progress46€9,347
Taxes, remuneration and social security45€24,335
Taxes450/3€7,717
Remuneration and social security454/9€16,619
Income statement Code2025
Remuneration, social security and pensions62€121,943
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,790
Other operating charges640/8€938
Non-recurring operating charges66A€5,549
Gross operating margin9900€172,109
Operating profit (loss)9901€32,890
Financial income75/76B€17
Recurring financial income75€17
Financial charges65/66B€326
Recurring financial charges65€326
Profit (loss) for the period before taxes9903€32,581
Income taxes67/77€6,530
Profit (loss) for the period9904€26,051
Profit (loss) for the period to be appropriated9905€26,051
Appropriation of the result
Profit (loss) to be appropriated9906€26,051
Transfer to equity691/2€26,051
To other reserves6921€26,051

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€121,943
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,790
Other operating charges640/8€938
Non-recurring operating charges66A€5,549
Gross operating margin9900€172,109
Operating profit (loss)9901€32,890
Financial income75/76B€17
Recurring financial income75€17
Financial charges65/66B€326
Recurring financial charges65€326
Profit (loss) for the period before taxes9903€32,581
Income taxes67/77€6,530
Profit (loss) for the period9904€26,051
Profit (loss) for the period to be appropriated9905€26,051
Line2025
Assets
Total assets20/58€86,845
Fixed assets21/28€24,144
Tangible fixed assets22/27€24,144
Plant, machinery and equipment23€13,857
Furniture and vehicles24€10,288
Current assets29/58€62,700
Stocks and contracts in progress3€6,503
Stocks30/36€6,503
Amounts receivable within one year40/41€54,478
Trade receivables40€24,622
Other amounts receivable41€29,856
Cash at bank and in hand54/58€225
Deferred charges and accrued income490/1€1,495
Equity and liabilities
Total equity and liabilities10/49€86,845
Equity10/15€31,051
Contributions10/11€5,000
Reserves13€26,051
Distributable reserves133€26,051
Amounts payable17/49€55,794
Amounts payable within one year42/48€55,794
Trade debts44€22,112
Suppliers440/4€22,112
Advances received on contracts in progress46€9,347
Taxes, remuneration and social security45€24,335
Taxes450/3€7,717
Remuneration and social security454/9€16,619
Line2025
Profit (loss) for the period9904€26,051
+ Depreciation and write-downs630€10,790
Operating cash flow (approximation)€36,840

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
30-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lievegem · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
2,417 m²
Building footprint
534 m²
Volume, LiDAR
476 m³
2 parcels, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Eeksken 10, 9940 Evergem
Electricity, gas, steam and air conditioning supply
since 20252.368.678.335
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44452B0990/00K000 Flanders 2,156 m² 1 · 385 m² -
44066D1809/00G000 Flanders 261 m² 1 · 148 m² 6.0 m · 1 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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

Of 6,990 companies in this sector we hold annual accounts for 2,414. 1,930 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded08-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
43230Insulation installation
43240Other construction installation
43910Bricklaying and masonry work
E-invoicing
Reachable via Peppol
Peppol ID 0208:1018447441
Also 9925:BE1018447441
Registered 12-06-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.