SAAMO Gent
ActiveSAAMO Gent has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €673k and a net result of €7k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 59% of 386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+55
Solvency89▲+18
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 3.02 against 3.06 in 2024; short-term debt: 27.3% and cash: 49.6% of total assets), and 35.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
lower
← fewer bankruptcies
more bankruptcies →
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
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
64.1%
Return on assets
0.7%
Age of the figures
9 mo
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 27-04-2026, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
92 d early
2023
98 d early
2022
94 d early
2021
60 d early
2020
93 d early
2019
87 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€673k▲ 28.6%
2024 · €523k
2018: €243k
2019: €261k
2020: €378k
2021: €412k
2022: €488k
2023: €556k
2024: €523k
2018 → 2025
Total assets
€1.05M▼ 7.2%
2024 · €1.13M
2018: €566k
2019: €828k
2020: €1.04M
2021: €956k
2022: €1.14M
2023: €1.07M
2024: €1.13M
2018 → 2025
Net result
€7k
2024 · €-31k
2018: €42k
2019: €25k
2020: €108k
2021: €39k
2022: €77k
2023: €69k
2024: €-31k
2018 → 2025
Working capital
€578k▼ 20.9%
2024 · €731k
2018: €237k
2019: €437k
2020: €667k
2021: €632k
2022: €772k
2023: €756k
2024: €731k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€412k-€488k▲ 18.3%€556k▲ 13.9%€523k▼ 5.9%€673k▲ 28.6%
Operating result€39k-€78k▲ 99.4%€69k▼ 11.9%€-35k€4k
Net result€39k-€77k▲ 100%€69k▼ 10.2%€-31k€7k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €35k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€184k▲ 321%
Current assets
€865k▼ 20.4%
Equity and liabilities €1.05M
Equity
€673k▲ 28.6%
Debt
€376k▼ 38.0%
The debt ratio falls from 53.7% to 35.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €-19k
Cash flow
€47k▲
2024 · €-15k
Solvency
64.1%▲
2024 · 46.3%
Current ratio
3.02▼
2024 · 3.06
Quick ratio
3.02▼
2024 · 3.06
Debt / equity
0.56▼
2024 · 1.16
ROE
1.1%▲
2024 · -6.0%
ROA
0.7%▲
2024 · -2.8%
Interest coverage
18.10▲
2024 · -42.81
Debt
€376k▼
2024 · €607k
Debt ≤ 1 year
€286k▼
2024 · €355k
Debt > 1 year
€48k
Staff costs
€2.24M▼
2024 · €2.26M
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€1.13M€1.05M▼
Fixed assets21/28€44k€184k▲
Tangible fixed assets22/27€34k€174k▲
Plant, machinery and equipment23€21k€20k▼
Furniture and vehicles24€10k€9k▼
Other tangible fixed assets26€3k€146k▲
Financial fixed assets28€9k€10k▲
Current assets29/58€1.09M€865k▼
Amounts receivable within one year40/41€259k€318k▲
Trade receivables40€38k€62k▲
Other amounts receivable41€221k€257k▲
Current investments50/53€2k€2k=
Cash at bank and in hand54/58€790k€520k▼
Deferred charges and accrued income490/1€36k€24k▼
Equity and liabilities
Total equity and liabilities10/49€1.13M€1.05M▼
Equity10/15€523k€673k▲
Contributions10/11€73k€73k=
Capital10€73k€73k=
Reserves13€303k€366k▲
Profit (loss) carried forward14€144k€89k▼
Investment grants15€3k€146k▲
Amounts payable17/49€607k€376k▼
Amounts payable after more than one year17-€48k
Financial debts170/4-€48k
Amounts payable within one year42/48€355k€286k▼
Current portion of amounts payable after more than one year42-€10k
Trade debts44€57k€71k▲
Suppliers440/4€57k€71k▲
Taxes, remuneration and social security45€236k€184k▼
Taxes450/3€367€56▼
Remuneration and social security454/9€236k€183k▼
Accrued charges and deferred income492/3€252k€41k▼
Income statement
Code20242025
Non-recurring operating income76A€242€42k▲
Goods, raw materials, services and sundry goods60/61€354k€318k▼
Remuneration, social security and pensions62€2.26M€2.24M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€39k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€-98▼
Other operating charges640/8€22k€21k▼
Non-recurring operating charges66A€25k-
Gross operating margin9900€2.29M€2.30M▲
Operating profit (loss)9901€-35k€4k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€452€2k▲
Recurring financial charges65€452€2k▲
Profit (loss) for the period before taxes9903€-31k€7k▲
Profit (loss) for the period9904€-31k€7k▲
Profit (loss) for the period to be appropriated9905€-31k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€151k▲
Profit (loss) brought forward from the previous period14P€125k€144k▲
From contributions791€50k€191k▲
To contributions691-€253k
Social balance
Average headcount (FTE)908736.234.0▼
The notes to these accounts (23 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
28-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Director resignation15 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Director resignation15 facts ▸
- General meeting, 20/04/2026
- Director appointment, Fadma Soussi (Bestuursorgaan)
- Director appointment, Nathalie De Jans (Bestuursorgaan)
- Director appointment, Jordy Sabels (Bestuursorgaan)
- Director appointment, Pascal Debruyne (Voorzitter van het Bestuursorgaan)
- Director appointment, Bart Van Bouchaute (Ondervoorzitter van het Bestuursorgaan)
- Director appointment, Jona Bemindt (Ondervoorzitter van het Bestuursorgaan)
- Director appointment, Nicole Vanhoucke (Bestuursorgaan)
- Director appointment, Tom Van Oost (Bestuursorgaan)
- Director appointment, Pascal Debruyne (Voorzitter van het Dagelijks Bestuur)
- Director appointment, Bart Van Bouchaute (Ondervoorzitter van het Dagelijks Bestuur)
- Director appointment, Jona Bemindt (Ondervoorzitter van het Dagelijks Bestuur)
- +3 further facts in this act
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-31k ▼145%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €556k ▲13.9%
6 profitable years in a row build equity to €556k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €108k ▲327%
Operating result €108k, net result €108k, both a record.
05-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
13-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26097447). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Bart Van Bouchaute
CurrentOndervoorzitter van het dagelijks bestuur · since 20-04-2026
Fadma Soussi
CurrentBestuursorgaan · since 20-04-2026
Gregory Cremmerye
CurrentCoördinator van het dagelijks bestuur · since 20-04-2026
Hofman Ann-Sophie
CurrentCoördinator van het dagelijks bestuur · since 20-04-2026
Jona Bemindt
CurrentOndervoorzitter van het bestuursorgaan · since 20-04-2026
Jordy Sabels
CurrentBestuursorgaan · since 20-04-2026
+ 4 not shown in this overview
20-04-2026
Bart Van Bouchaute: Appointed as Ondervoorzitter van het dagelijks bestuur
20-04-2026
Bart Van Bouchaute: Appointed as Ondervoorzitter van het bestuursorgaan
20-04-2026
Fadma Soussi: Appointed as Bestuursorgaan
20-04-2026
Gregory Cremmerye: Appointed as Coördinator van het dagelijks bestuur
20-04-2026
Hofman Ann-Sophie: Appointed as Coördinator van het dagelijks bestuur
20-04-2026
Jona Bemindt: Appointed as Ondervoorzitter van het bestuursorgaan
20-04-2026
Jona Bemindt: Appointed as Ondervoorzitter van het dagelijks bestuur
20-04-2026
Jordy Sabels: Appointed as Bestuursorgaan
20-04-2026
Nathalie De Jans: Appointed as Bestuursorgaan
20-04-2026
Nicole Vanhoucke: Appointed as Bestuursorgaan
20-04-2026
Pascal Debruyne: Appointed as Voorzitter van het bestuursorgaan
20-04-2026
Pascal Debruyne: Appointed as Voorzitter van het dagelijks bestuur
20-04-2026
Tom Van Oost: Appointed as Bestuursorgaan
31-08-2025
Bert Dult: Resigned as Dagelijks bestuurder
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2006
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.
Blaisantvest 709000 GentGround area
580 m²
Building footprint
181 m²
Volume, LiDAR
2,111 m³
Parcel 44807G0155/00A003, Flanders · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Samenlevingsopbouw Gent
since 20062.154.849.258
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0155/00A003 | Flanders | 580 m² | 1 · 181 m² | 16.7 m · 4 fl. |
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.
Structure & network
Connections & network
2 connected companiesLinked via shared directors
viaJordy Sabels · Lid van de raad van bestuur
→
viaJordy Sabels · Director
former→
Ownership & control
1 partySAAMO GentBE 0432.007.811
controls
Where this company holds controlthis company sits on their board1
1 location
Public money · subsidies and aid
Flemish government
2022 to 2025 · 17 entries · 5,583,570 EUR awarded · 5,472,071 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 1,390,395 EUR | 1,374,134 EUR |
| 2024 | 3 | 1,333,655 EUR | 1,331,622 EUR |
| 2023 | 6 | 1,317,260 EUR | 1,408,855 EUR |
| 2022 | 5 | 1,542,260 EUR | 1,357,460 EUR |
Schemes
Subsidies aan de instituten voor maatschappelijk opbouwwerk
Projectsubsidies in het kader van armoedebestrijding
Individueel Maatwerk
Erkenning en subsidiëring lokale diensteneconomie-onderneming (stopgezet)
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Show 1 more
Vlaams opleidingsverlof (VOV)
Federal government
2025 · 1 entry · 72,526 EUR in total| Year | Department | Transactions | Amount |
|---|---|---|---|
| 2025 | FOD Economie | 1 | 72,526 EUR |
Budget allocations
Ondersteunende maatregelen in het kader van de bestrijding van de digitale kloof en de omschakeling naar digitale inclusie
Recognitions · licences · registrations
Care and welfare
2 services · 1 liveSAAMO GENT
GENTSE OVERLEGTAFEL
Quality registration as a provider
1 live approvalQuality registration as a provider
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Of 2,203 companies in sector 88999 we hold annual accounts for 802. 616 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded13-11-1985
Fiscal year end31-12
Abbreviation NL
RISO GENT
Activities, NACEBEL
85323
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.