Equity
€95,857 ▼ 12.8%
S.A.M & Zonen paid out €10,226 in dividends in a year with a loss of €3,872.
S.A.M & Zonen
Lifetime
7 annual accounts with figures on one time axisGross marginpeak €110,440 (2021)
€13,374▼ 22.0%
Resultlowest -€3,872 (2025)
-€3,872▼ €1,439
Equitypeak €112,388 (2023)
€95,857▼ 12.8%
Debts
€49,518▲ 81.6%
Board2 names since 2018
2 directorsAKBAS Mustafa and 1 other
Documentsfilings and deeds
30-06-202631 days before the deadline
2025micro format
Gross margin from €17,148 to €13,374Loss of €3,872Dividend €10,226Equity from €109,955 to €95,857Debts from €27,275 to €49,518Investments €54,748
Key points
from the 2025 annual accountsLosses
-€6,305 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Turnover
≈ €110,000 estimated
The micro format states no turnover.
Investments
€65,448 4.7 × depreciation
Green is investment, beige is depreciation.
Filings
7 annual accounts 5 late
The 2021 accounts came latest: 241 days after the end of the period.
Position in the sector
-€3,872
Lower net result than 82% of companies in specialised construction. Sector median €10,218 · 34,996 companies.
Checked score
68
Healthy
Financially stronger than 42% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,685 companies (NACE 43, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.9%● unchanged vs 01-2025
03-2025: 0.9%● unchanged vs 02-2025
04-2025: 0.9%● unchanged vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 0.9%● unchanged vs 06-2025
08-2025: 1.3%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 1.3%● unchanged vs 08-2025highest value
10-2025: 1.3%● unchanged vs 09-2025highest value
11-2025: 1.3%● unchanged vs 10-2025highest value
12-2025: 1.3%● unchanged vs 11-2025highest value
01-2026: 1.3%● unchanged vs 12-2025
02-2026: 1.2%▼ -0.1 percentage points vs 01-2026
03-2026: 1.2%● unchanged vs 02-2026
04-2026: 1.2%● unchanged vs 03-2026
05-2026: 1.3%▲ +0.1 percentage points vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026
07-2026: 0.9%▼ -0.4 percentage points vs 06-2026
08-2026: 0.8%▼ -0.1 percentage points vs 07-2026
09-2026: 0.8%● unchanged vs 08-2026
10-2026: 0.7%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 0.7%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
Size: total assets €145,375
lowers risk
Figures for financial year 2025 (filed on 30-06-2026)
Equity €95,857 (65.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 72% of them on solvency, 44% on liquidity, 32% on profitability and 22% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,440 companies had the same profile as S.A.M & Zonen has now. Each dot stands for 9 companies, two years later.
90.0%
were still trading
7.4%
stopped another way
2.3%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of S.A.M & Zonen itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,440 companies, not a prediction for S.A.M & Zonen. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.37 (4.49 in 2024), above the usual 1.5. Short-term debt is 18.3% and cash 4.2% of total assets. 34.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€3,872
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 30-06-2026, 31 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
31 days early
2024
9 days early
2023
30 days late
2022
105 days late
2021
241 days late
2020
121 days late
2019
53 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 73 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 74 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Changes of role: AKBAS Saim (director) and AKBAS Mustafa (director)
“Detailhandel in computers,randapparatuur en software in gespecialiseerde winkels; Detailhandel via…” (deed in Dutch) · General meeting of 27-06-2024 · Gazette deed
Incorporation
published on 21-06-2018 · Gazette deed
First establishment
Beverlosesteenweg 449, Beringen
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| S.A.M & Zonen Beringen | €145,375 | €13,374 | 65.9% | - |
| GASTRO CONCEPT Heusden-Zolder | €133,730 | €15,659 | -14.9% | - |
| Perfecto - Elektro Ghent | €136,637 | €15,636 | 37.7% | 0.2 |
| VARGAS L.A. Brussels | €164,733 | €12,147 | 66.4% | - |
| BK Elektriciteitswerken Hemiksem | €151,491 | €12,204 | 1.2% | - |
| DMF ELECTRICITE Puurs-Sint-Amands | €157,905 | €11,444 | 49.8% | - |
| Caro Technology Deinze | €163,117 | €10,908 | -31.8% | 0.5 |
These companies have the same main activity as S.A.M & Zonen: general electrical installation work (NACE 43211). They are comparable in size and age: total assets between €134,000 and €165,000, founded between 2017 and 2019.
Official details
Source: KBO- Status
- Active since 19-06-2018Normal situation
- Activity
- General electrical installation workNACE 43211and 7 others
- Establishment unit
- 2.276.793.0073582 Beringen, since 19-06-2018
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- Total assets
- €145,375▲ 5.9%
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on S.A.M & Zonen
S.A.M & Zonen files the micro format. That format states no turnover. The gross margin fell from €40,429 in 2019 to €13,374 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about S.A.M & Zonen
- What is the company number of S.A.M & Zonen?
- The company number of S.A.M & Zonen is 0698.602.413. The VAT number is the same number with BE in front: BE 0698.602.413.
- Where is S.A.M & Zonen based?
- The registered office is at Beverlosesteenweg 449, 3582 Beringen.Company details
- What does S.A.M & Zonen do?
- According to the KBO register, the main activity is general electrical installation work (NACE 43211).
- What is the legal form of S.A.M & Zonen?
- S.A.M & Zonen is a private limited company (BV).
- When was S.A.M & Zonen founded?
- S.A.M & Zonen was founded on 19-06-2018.
- Is S.A.M & Zonen still active?
- Yes, S.A.M & Zonen is an active enterprise in the KBO register.
- What is the turnover of S.A.M & Zonen?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €13,374 and 97 comparable companies (NACE 43211). It probably lies between €72,000 and €230,000. It is a rough estimate.Financials
- Is S.A.M & Zonen profitable?
- In financial year 2025, S.A.M & Zonen made a loss of €3,872.
- Where can I find the annual accounts of S.A.M & Zonen?
- S.A.M & Zonen filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of S.A.M & Zonen due?
- S.A.M & Zonen must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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