SAAMP BELGIUM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €38k and a net result of €-4k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 78% of 8006 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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
29 d late
2023
126 d late
2022
69 d late
2021
26 d late
2020
87 d late
2019
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▼ 8.8%
2024 · €41k
2018: €40k
2019: €36k
2020: €39k
2021: €41k
2022: €39k
2023: €39k
2024: €41k
2018 → 2025
Net result
€-4k
2024 · €2k
2018: €6k
2019: €-4k
2020: €2k
2021: €3k
2022: €-2k
2023: €143
2024: €2k
2018 → 2025
Total assets
€47k▼ 1.4%
2024 · €47k
2018: €52k
2019: €54k
2020: €52k
2021: €55k
2022: €52k
2023: €46k
2024: €47k
2018 → 2025
Solvency
80.4%▼ 6.6pp
2024 · 87.0%
2018: 77.9%
2019: 67.8%
2020: 74.3%
2021: 74.4%
2022: 74.8%
2023: 85.6%
2024: 87.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€39k▼ 5.0%€39k▲ 0.4%€41k▲ 4.9%€38k▼ 8.8%
Operating result€3k-€-2k€264€2k▲ 660%€-4k
Net result€3k-€-2k€143€2k▲ 1,256%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€10k=
Current assets
€37k▼ 1.7%
Equity and liabilities €47k
Equity
€38k▼ 8.8%
Debt
€9k▲ 48.3%
The debt ratio rises from 13.0% to 19.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
80.4%▼
2024 · 87.0%
ROE
-9.6%▼
2024 · 4.7%
ROA
-7.8%▼
2024 · 4.1%
Debt
€9k▲
2024 · €6k
Debt ≤ 1 year
€9k▲
2024 · €6k
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€47k€47k▼
Fixed assets21/28€10k€10k=
Financial fixed assets28€10k€10k=
Current assets29/58€38k€37k▼
Amounts receivable within one year40/41€6k€5k▼
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€32k€32k▼
Equity and liabilities
Total equity and liabilities10/49€47k€47k▼
Equity10/15€41k€38k▼
Contributions10/11€20k€20k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€20k€17k▼
Amounts payable17/49€6k€9k▲
Amounts payable within one year42/48€6k€9k▲
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€399€399=
Taxes450/3€399€399=
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€384€384=
Income statement
Code20242025
Non-recurring operating income76A€5k-
Other operating charges640/8€386€400▲
Gross operating margin9900€2k€-3k▼
Operating profit (loss)9901€2k€-4k▼
Financial income75/76B-€57
Recurring financial income75-€57
Financial charges65/66B€58€62▲
Recurring financial charges65€58€62▲
Profit (loss) for the period before taxes9903€2k€-4k▼
Income taxes67/77€13-
Profit (loss) for the period9904€2k€-4k▼
Profit (loss) for the period to be appropriated9905€2k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€17k▼
Profit (loss) brought forward from the previous period14P€18k€20k▲
The notes to these accounts (2 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 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 126 days late
2023
31-12
Financial
Back to profitnet €143
Net result €143 after one loss-making year.
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 69 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-4k ▼165%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Elsene
Ground area
3,529 m²
Building footprint
1,878 m²
Volume, LiDAR
44,063 m³
Parcel 21822R0226/00W011, Brussels · tallest building 38.1 m, ±7 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0226/00W011 | Brussels | 3,529 m² | 1 · 1,878 m² | 38.1 m · 7 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.
Similar companies · same sector, comparable size
FINELMAR
BE 1021.535.506
Grimbergen · Eq €38k
GENESIS MEDICAL GROUP
BE 0782.653.507
Anderlecht · Eq €38k
Beltraco
BE 0797.887.059
Hasselt · Eq €37k
MATNESTI
BE 0733.969.801
Kortrijk · Eq €38k
DONCK-WERBROUCK
BE 0823.960.362
Izegem · Eq €37k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 9,496 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-01-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
46110Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.