NIESAM
ActiveNIESAM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €779k and a net result of €68k. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 73% of 2283 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▲+3
Solvency96▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.66 against 1.03 in 2023; short-term debt: 10.4% and cash: 5.1% of total assets), and 28.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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 2024Solvency, return and age of the figures
Solvency
71.4%
Return on assets
6.3%
Age of the figures
21 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
37 d early
2022
42 d early
2021
9 d early
2020
40 d early
2019
37 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€779k▲ 4.2%
2023 · €748k
2018: €51k
2019: €89k
2020: €658k
2021: €695k
2022: €738k
2023: €748k
2018 → 2024
Total assets
€1.09M▼ 5.8%
2023 · €1.16M
2018: €86k
2019: €121k
2020: €1.15M
2021: €1.11M
2022: €1.11M
2023: €1.16M
2018 → 2024
Net result
€68k▲ 53.6%
2023 · €44k
2018: €39k
2019: €38k
2020: €74k
2021: €37k
2022: €44k
2023: €44k
2018 → 2024
Working capital
€-38k
2023 · €4k
2018: €41k
2019: €81k
2020: €57k
2021: €47k
2022: €44k
2023: €4k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€658k-€695k▲ 5.6%€738k▲ 6.3%€748k▲ 1.3%€779k▲ 4.2%
Operating result€110k-€61k▼ 45.1%€70k▲ 14.8%€70k▲ 1.1%€103k▲ 46.1%
Net result€74k-€37k▼ 50.1%€44k▲ 18.5%€44k▲ 1.8%€68k▲ 53.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 46% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.09M
Fixed assets
€1.02M▲ 2.5%
Current assets
€75k▼ 54.9%
Equity and liabilities €1.09M
Equity
€779k▲ 4.2%
Debt
€311k▼ 23.9%
The debt ratio falls from 35.4% to 28.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€106k▲
2023 · €71k
Cash flow
€71k▲
2023 · €45k
Solvency
71.4%▲
2023 · 64.6%
Current ratio
0.66▼
2023 · 1.03
Quick ratio
0.66▼
2023 · 1.03
Debt / equity
0.40▼
2023 · 0.55
ROE
8.8%▲
2023 · 5.9%
ROA
6.3%▲
2023 · 3.8%
Interest coverage
27.83▲
2023 · 22.92
Debt
€311k▼
2023 · €409k
Debt ≤ 1 year
€113k▼
2023 · €162k
Debt > 1 year
€198k▼
2023 · €248k
Income taxes
€34k▲
2023 · €23k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.16M€1.09M▼
Fixed assets21/28€991k€1.02M▲
Tangible fixed assets22/27€625€25k▲
Plant, machinery and equipment23€625€12k▲
Furniture and vehicles24-€13k
Financial fixed assets28€990k€990k=
Current assets29/58€166k€75k▼
Current investments50/53€20k€20k=
Cash at bank and in hand54/58€146k€55k▼
Deferred charges and accrued income490/1€401-
Equity and liabilities
Total equity and liabilities10/49€1.16M€1.09M▼
Equity10/15€748k€779k▲
Contributions10/11€507k€507k=
Reserves13€199k€230k▲
Distributable reserves133€199k€230k▲
Profit (loss) carried forward14€41k€41k▲
Amounts payable17/49€409k€311k▼
Amounts payable after more than one year17€248k€198k▼
Financial debts170/4€248k€198k▼
Amounts payable within one year42/48€162k€113k▼
Current portion of amounts payable after more than one year42€99k€50k▼
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€14k€18k▲
Taxes450/3-€18k
Remuneration and social security454/9€14k-
Other amounts payable47/48€42k€40k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€342€3k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€73k€109k▲
Operating profit (loss)9901€70k€103k▲
Financial income75/76B€281€3k▲
Recurring financial income75€281€3k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€68k€102k▲
Income taxes67/77€23k€34k▲
Profit (loss) for the period9904€44k€68k▲
Profit (loss) for the period to be appropriated9905€44k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€85k€109k▲
Profit (loss) brought forward from the previous period14P€40k€41k▲
Transfer from equity791/2€35k€37k▲
Transfer to equity691/2€44k€68k▲
To other reserves6921€44k€68k▲
Profit to be distributed694/7€35k€37k▲
Return on contributions (dividend)694€35k€37k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €37k ▼50.1%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €74k ▲93.6%
Operating result €110k, net result €74k, both a record.
31-12
Financial
Equity above €500kEq €658k ▲638%
3 profitable years in a row build equity to €658k.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Poperinge · 1 establishment unit since 2018
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.
Bruggestraat 98970 PoperingeGround area
603 m²
Building footprint
262 m²
Parcel 33021F0379/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
NIESAM
since 20182.271.624.786
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33021F0379/00K000 | Flanders | 603 m² | 1 · 262 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
8945009OL7MXEXZKB123
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 5,044 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.