SAM
ActiveSAM has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €21k. Equity is growing by ~46.7% per year across the filed fiscal years. Its solvency ranks better than 35% of 3462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency16▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.75 against 0.74 in 2024), and 84.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
15.9%
Return on assets
5.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-08-2026, 15 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
15 d late
2024
2 d early
2023
23 d early
2022
11 d late
2021
4 d early
2020
17 d late
2019
2 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€61k▲ 52.2%
2024 · €40k
2022: €22k
2023: €23k
2024: €40k
2022 → 2025
Total assets
€385k▲ 1.2%
2024 · €380k
2022: €402k
2023: €384k
2024: €380k
2022 → 2025
Net result
€21k▲ 20.6%
2024 · €17k
2022: €-5k
2023: €1k
2024: €17k
2022 → 2025
Working capital
€-14k▼ 9.6%
2024 · €-12k
2022: €-88k
2023: €-27k
2024: €-12k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€22k-€23k▲ 5.0%€40k▲ 76.4%€61k▲ 52.2%
Operating result€2k-€7k▲ 241%€23k▲ 223%€34k▲ 44.6%
Net result€-5k-€1k€17k▲ 1,505%€21k▲ 20.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 45% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €385k
Fixed assets
€344k▼ 0.1%
Current assets
€41k▲ 13.6%
Equity and liabilities €385k
Equity
€61k▲ 52.2%
Debt
€324k▼ 4.9%
The debt ratio falls from 89.4% to 84.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€55k▲
2024 · €43k
Cash flow
€42k▲
2024 · €37k
Solvency
15.9%▲
2024 · 10.6%
Current ratio
0.75▲
2024 · 0.74
Quick ratio
0.75▲
2024 · 0.74
Debt / equity
5.29▼
2024 · 8.47
ROE
34.3%▼
2024 · 43.3%
ROA
5.5%▲
2024 · 4.6%
Interest coverage
10.19▲
2024 · 7.32
Debt
€324k▼
2024 · €340k
Debt ≤ 1 year
€54k▲
2024 · €48k
Debt > 1 year
€269k▼
2024 · €292k
Income taxes
€8k▲
2024 · €400
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
Total assets
20/58€380k€385k▲
Fixed assets
21/28€344k€344k▼
Tangible fixed assets
22/27€344k€344k▼
Current assets
29/58€36k€41k▲
Amounts receivable within one year
40/41€22k€20k▼
Cash & bank
54/58€13k€20k▲
Total equity & liabilities
10/49€380k€385k▲
Equity
10/15€40k€61k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€2k€2k=
Accumulated profits (losses)
14€20k€41k▲
Amounts payable
17/49€340k€324k▼
Amounts payable after one year
17€292k€269k▼
Amounts payable within one year
42/48€48k€54k▲
Income statement
Code20242025
Gross operating margin
9900€47k€60k▲
Operating result
9901€23k€34k▲
Financial income
75€183-
Financial charges
65€6k€5k▼
Result before taxes
9903€18k€29k▲
Income taxes
67/77€400€8k▲
Net result for the period
9904€17k€21k▲
Result to be appropriated
9905€17k€21k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 15 days late
2025
31-12
Financial
Highest result since 2022net €21k ▲20.6%
Operating result €34k, net result €21k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
06-11
State Gazette act
Director changes
Véronique de Sauvage Vercour
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not 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
1 director, last change in 2021
VERMAELE Christelle Anne Marcel
CurrentDirector · since 26-11-2021
26-11-2021
Appointed as Director
Not every act has been read: a resignation may be missing here
5 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 1996
Ground area
1,872 m²
Building footprint
666 m²
Volume, LiDAR
8,981 m³
2 parcels, Wallonia · tallest building 25.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Abbaye,Boneffe 4, 5310 Eghezée
since 19962.044.096.638
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92016B0288/00F006 | Wallonia | 1,233 m² | 1 · 227 m² | - |
| 62810C0029/00H000 | Wallonia | 639 m² | 1 · 439 m² | 25.3 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
De Werker
BE 0400.665.725
Leuven · Eq €61k
ALTITUDE 354
BE 0753.998.816
Vorst · Eq €61k
Boutique & Boissons
BE 0732.559.044
Gent · Eq €61k
CHEMISTRY AND BOTANIC'S
BE 0692.605.833
Brussel · Eq €61k
EN AVANT
BE 0458.747.642
Wetteren · Eq €61k
Of 13,924 companies in sector 56301 we hold annual accounts for 4,458. 3,717 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded21-04-1989
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
52740
55301
55522
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 31-08-2026. Scores and ratios are computed by Checked and are not a credit decision.