OLIVIER SAMYN
ActiveOLIVIER SAMYN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €693k and a net result of €63k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
68
/ 100
Healthy▼ -18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▼-47
Solvency45▼-31
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.59 in 2024), and 73.5% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
26.5%
Return on assets
2.4%
Age of the figures
9 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 · Filed after the deadline
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. 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
22 d late
2023
29 d late
2022
23 d late
2021
23 d early
2020
116 d early
2019
50 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€693k▼ 5.0%
2024 · €730k
2018: €376k
2019: €475k
2020: €569k
2021: €530k
2022: €571k
2023: €700k
2024: €730k
2018 → 2025
Total assets
€2.62M▲ 45.4%
2024 · €1.80M
2018: €1.41M
2019: €1.54M
2020: €1.85M
2021: €1.38M
2022: €1.56M
2023: €1.96M
2024: €1.80M
2018 → 2025
Net result
€63k▼ 53.4%
2024 · €135k
2018: €122k
2019: €100k
2020: €95k
2021: €-21k
2022: €89k
2023: €194k
2024: €135k
2018 → 2025
Working capital
€65k▼ 66.5%
2024 · €195k
2018: €168k
2019: €313k
2020: €201k
2021: €270k
2022: €193k
2023: €188k
2024: €195k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€530k-€571k▲ 7.8%€700k▲ 22.5%€730k▲ 4.2%€693k▼ 5.0%
Operating result€122k-€151k▲ 23.3%€30k▼ 79.9%€253k▲ 734%€143k▼ 43.3%
Net result€-21k-€89k€194k▲ 119%€135k▼ 30.7%€63k▼ 53.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.62M
Fixed assets
€2.15M▲ 69.1%
Current assets
€463k▼ 11.9%
Equity and liabilities €2.62M
Equity
€693k▼ 5.0%
Provisions
€61k▼ 4.7%
Debt
€1.86M▲ 85.2%
The debt ratio rises from 55.9% to 71.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€349k▲
2024 · €340k
Cash flow
€268k▲
2024 · €222k
Solvency
26.5%▼
2024 · 40.6%
Current ratio
1.16▼
2024 · 1.59
Quick ratio
1.09▼
2024 · 1.51
Debt / equity
2.69▲
2024 · 1.38
ROE
9.0%▼
2024 · 18.4%
ROA
2.4%▼
2024 · 7.5%
Interest coverage
7.14▼
2024 · 11.08
Debt
€1.86M▲
2024 · €1.01M
Debt ≤ 1 year
€398k▲
2024 · €331k
Debt > 1 year
€1.46M▲
2024 · €674k
Income taxes
€36k▼
2024 · €91k
Staff costs
€463k▲
2024 · €332k
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€2.62M▲
Fixed assets21/28€1.27M€2.15M▲
Tangible fixed assets22/27€1.27M€2.15M▲
Land and buildings22€1.14M€2.00M▲
Plant, machinery and equipment23€22k€17k▼
Furniture and vehicles24€107k€90k▼
Leasing and similar rights25-€49k
Financial fixed assets28€841€199▼
Current assets29/58€526k€463k▼
Amounts receivable after more than one year29€86k-
Other amounts receivable291€86k-
Stocks and contracts in progress3€25k€28k▲
Stocks30/36€25k€28k▲
Amounts receivable within one year40/41€269k€324k▲
Trade receivables40€251k€268k▲
Other amounts receivable41€18k€55k▲
Cash at bank and in hand54/58€141k€93k▼
Deferred charges and accrued income490/1€5k€18k▲
Equity and liabilities
Total equity and liabilities10/49€1.80M€2.62M▲
Equity10/15€730k€693k▼
Contributions10/11€6k€6k=
Reserves13€724k€687k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€192k€183k▼
Distributable reserves133€530k€504k▼
Provisions and deferred taxes16€64k€61k▼
Deferred taxes168€64k€61k▼
Amounts payable17/49€1.01M€1.86M▲
Amounts payable after more than one year17€674k€1.46M▲
Financial debts170/4€672k€1.44M▲
Other amounts payable178/9€2k€19k▲
Amounts payable within one year42/48€331k€398k▲
Current portion of amounts payable after more than one year42€89k€159k▲
Financial debts43€28k€41k▲
Credit institutions430/8€28k€41k▲
Trade debts44€52k€129k▲
Suppliers440/4€52k€129k▲
Taxes, remuneration and social security45€64k€69k▲
Taxes450/3€45k€37k▼
Remuneration and social security454/9€19k€32k▲
Other amounts payable47/48€99k-
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€332k€463k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€88k€205k▲
Other operating charges640/8€18k€12k▼
Gross operating margin9900€691k€823k▲
Operating profit (loss)9901€253k€143k▼
Financial income75/76B€384€722▲
Recurring financial income75€384€722▲
Financial charges65/66B€31k€49k▲
Recurring financial charges65€31k€49k▲
Profit (loss) for the period before taxes9903€222k€95k▼
Transfer from deferred taxes780€3k€3k▼
Income taxes67/77€91k€36k▼
Profit (loss) for the period9904€135k€63k▼
Transfer from tax-exempt reserves789€3k€9k▲
Profit (loss) for the period to be appropriated9905€138k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€138k€72k▼
Transfer from equity791/2€104k€99k▼
Transfer to equity691/2€138k€72k▼
To other reserves6921€138k€72k▼
Profit to be distributed694/7€104k€99k▼
Return on contributions (dividend)694€104k€99k▼
The notes to these accounts (21 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €194k ▲119%
Net result €194k, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Back to profitnet €89k
Net result €89k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-21k ▼122%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €569k ▲19.8%
3 profitable years in a row build equity to €569k.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Damme · 3 establishment units since 2008
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.
Haringmarkt 58340 DammeGround area
9,952 m²
Building footprint
4,406 m²
Volume, LiDAR
1,739 m³
3 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Olivier Samyn
since 20082.168.236.644
OLIVIER SAMYN
since 20232.342.201.491
Tilia Damme
since 20252.387.337.175
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0590/00M007 | Flanders | 7,633 m² | 1 · 4,126 m² | - |
| 31006C0232/00G000 | Flanders | 1,664 m² | 1 · 221 m² | 10.2 m · 2 fl. |
| 31006C0229/00E000 | Flanders | 655 m² | 1 · 58 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 357 EUR awarded · 591 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 240 EUR | 240 EUR |
| 2023 | 1 | 117 EUR | 351 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500AA13988FBE8461
Similar companies · same sector, comparable size
DESLOOVER GIOVANNI
BE 0471.581.435
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MICHEL - LAMBERTY
BE 0831.323.751
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D'HONDT
BE 0418.804.428
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Engels B&S
BE 0825.446.244
Mechelen · Eq €699k
Etablissements Ernest Seghers et Fils
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Ecaussinnes · Eq €703k
Of 6,993 companies in sector 43221 we hold annual accounts for 3,445. 2,009 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2008
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
55203Holiday cottages, homes and apartments
55204Guest rooms (bed and breakfast)
55209Other holiday and short-stay accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.