GROEP SAM
ActiveGROEP SAM has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €259k and a net result of €22k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 16377 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+21
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.96 against 4.24 in 2024), and 32.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
67.5%
Return on assets
5.7%
Age of the figures
8 mo
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
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
15 d early
2023
70 d late
2022
32 d early
2021
30 d late
2020
2 d early
2019
46 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€259k▼ 20.3%
2024 · €325k
2018: €125k
2019: €179k
2020: €237k
2021: €312k
2022: €361k
2023: €366k
2024: €325k
2018 → 2025
Total assets
€384k▼ 8.0%
2024 · €417k
2018: €188k
2019: €226k
2020: €310k
2021: €371k
2022: €420k
2023: €452k
2024: €417k
2018 → 2025
Net result
€22k▲ 59.4%
2024 · €14k
2018: €52k
2019: €54k
2020: €88k
2021: €75k
2022: €70k
2023: €71k
2024: €14k
2018 → 2025
Working capital
€242k▼ 19.0%
2024 · €299k
2018: €103k
2019: €154k
2020: €194k
2021: €271k
2022: €342k
2023: €344k
2024: €299k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€312k-€361k▲ 15.8%€366k▲ 1.3%€325k▼ 11.1%€259k▼ 20.3%
Operating result€106k-€102k▼ 3.6%€102k▲ 0.3%€23k▼ 77.6%€33k▲ 43.5%
Net result€75k-€70k▼ 5.9%€71k▲ 0.6%€14k▼ 80.7%€22k▲ 59.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €384k
Fixed assets
€18k▼ 30.6%
Current assets
€365k▼ 6.5%
Equity and liabilities €384k
Equity
€259k▼ 20.3%
Debt
€125k▲ 35.4%
The debt ratio rises from 22.1% to 32.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€44k▲
2024 · €41k
Cash flow
€33k▲
2024 · €32k
Solvency
67.5%▼
2024 · 77.9%
Current ratio
2.96▼
2024 · 4.24
Quick ratio
2.96▼
2024 · 4.24
Debt / equity
0.48▲
2024 · 0.28
ROE
8.4%▲
2024 · 4.2%
ROA
5.7%▲
2024 · 3.3%
Interest coverage
19.29▲
2024 · 15.07
Debt
€125k▲
2024 · €92k
Debt ≤ 1 year
€124k▲
2024 · €92k
Income taxes
€10k▲
2024 · €7k
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€417k€384k▼
Fixed assets21/28€26k€18k▼
Tangible fixed assets22/27€26k€18k▼
Plant, machinery and equipment23€14k€7k▼
Furniture and vehicles24€10k€9k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€391k€365k▼
Amounts receivable after more than one year29€150k€150k=
Other amounts receivable291€150k€150k=
Amounts receivable within one year40/41€67k€58k▼
Trade receivables40€943€512▼
Other amounts receivable41€66k€57k▼
Cash at bank and in hand54/58€158k€144k▼
Deferred charges and accrued income490/1€16k€13k▼
Equity and liabilities
Total equity and liabilities10/49€417k€384k▼
Equity10/15€325k€259k▼
Contributions10/11€6k€6k=
Reserves13€319k€253k▼
Distributable reserves133€319k€253k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€92k€125k▲
Amounts payable within one year42/48€92k€124k▲
Trade debts44€8k€8k▲
Suppliers440/4€8k€8k▲
Taxes, remuneration and social security45€25k€16k▼
Taxes450/3€21k€12k▼
Remuneration and social security454/9€4k€4k=
Other amounts payable47/48€59k€100k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€11k▼
Other operating charges640/8€936€991▲
Gross operating margin9900€42k€45k▲
Operating profit (loss)9901€23k€33k▲
Financial income75/76B€849€850▲
Recurring financial income75€849€850▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€21k€31k▲
Income taxes67/77€7k€10k▲
Profit (loss) for the period9904€14k€22k▲
Profit (loss) for the period to be appropriated9905€14k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€22k▲
Transfer from equity791/2€54k€88k▲
Transfer to equity691/2€14k€22k▲
To other reserves6921€14k€22k▲
Profit to be distributed694/7€54k€88k▲
Return on contributions (dividend)694€54k€88k▲
The notes to these accounts (8 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €14k ▼80.7%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €88k ▲61.9%
Operating result €124k, net result €88k, both a record.
31-12
Financial
Equity above €200kEq €237k ▲32%
3 profitable years in a row build equity to €237k.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
31-12
Financial
Equity above €150kEq €179k ▲43.2%
2 profitable years in a row build equity to €179k.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 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, Bree · 1 establishment unit since 2011
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.
Bremstraat 43960 BreeGround area
800 m²
Building footprint
320 m²
Volume, LiDAR
2,511 m³
2 parcels, Flanders · tallest building 30.8 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
GROEP SAM BVBA
since 20112.200.368.586
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72402A0153/00X006 | Flanders | 620 m² | 1 · 265 m² | 9.2 m · 2 fl. |
| 72004C1070/00D000 | Flanders | 181 m² | 1 · 55 m² | 30.8 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 · 377 EUR awarded · 377 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 158 EUR | 158 EUR |
| 2022 | 1 | 219 EUR | 219 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 10,459 companies in sector 86995 we hold annual accounts for 883. 618 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2011
Fiscal year end31-12
Activities, NACEBEL
86909Human health activities
86995Nutrition and dietetics services
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.