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SAM

Active
Private limited companyfounded 201213 yrs activeDokter Nand Peetersstraat 29, 2300 Turnhout, BelgiumKBO/BCE: BE 0500.694.303
Summary

SAM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48,464 and a net result of €47,545. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 25% of 8619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisWatch ReportCompare
SAMActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€258,286total assets 2025
Equity
€48,464
Profit
€47,545
Turnover not published (abridged schema)
Financial health
67 Healthy Checked score 2025
Bankruptcy chance 12 m
1.1%
Structure
Accounts 31 d early0 of 6 deeds read
Why 67- Sector Construction of residential and non-residential buildings (NACE 41)- Liquidity: current ratio 0.25+ Founded in 2012+ Size: total assets €258,286Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 58% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 44+19
equity 18.8% of total assets
Liquidity 34+14
short-term debt 62.5%
Profitability 92+38
return on assets 18.4%
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,187 companies)
Last 24 months 11-2024: 5.3% 12-2024: 5.3%● 0.0% vs 11-2024 01-2025: 5.5%▲ +3.7% vs 12-2024 02-2025: 5.6%▲ +2.2% vs 01-2025 03-2025: 5.4%▼ -3.5% vs 02-2025 04-2025: 5.8%▲ +7.3% vs 03-2025highest value 05-2025: 2.4%▼ -59.3% vs 04-2025 06-2025: 2.4%● 0.0% vs 05-2025 07-2025: 2.4%● 0.0% vs 06-2025 08-2025: 1.3%▼ -46.5% vs 07-2025 09-2025: 1.3%● 0.0% vs 08-2025 10-2025: 1.3%● 0.0% vs 09-2025 11-2025: 1.3%● 0.0% vs 10-2025 12-2025: 1.3%● 0.0% vs 11-2025 01-2026: 1.3%▲ +1.3% vs 12-2025 02-2026: 1.2%▼ -5.5% vs 01-2026 03-2026: 1.2%▼ -4.6% vs 02-2026 04-2026: 1.1%▼ -5.5% vs 03-2026lowest value 05-2026: 1.1%● 0.0% vs 04-2026lowest value 06-2026: 1.1%● 0.0% vs 05-2026lowest value 07-2026: 1.1%● 0.0% vs 06-2026lowest value 08-2026: 1.1%● 0.0% vs 07-2026lowest value 09-2026: 1.1%● 0.0% vs 08-2026lowest value 10-2026: 1.1%● 0.0% vs 09-2026lowest value
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Liquidity: current ratio 0.25 raises the probability
  • Founded in 2012 lowers the probability for this profile
  • Size: total assets €258,286 lowers the probability for this profile
Credit up to €3,000 at 30 days acceptable
Liquidity short (current ratio 0.25 against 0.05 in 2024; short-term debt: 62.5% of total assets), and 81.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 26%, liquidity 29%, profitability 77%, growth against the median 99%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Liquidity: current ratio 0.25
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2012
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: total assets €258,286
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 8619 sector peers (2025).
NBB · sector comparison
Position among 8619 sector peers
Solvency
better than 25%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 d early
2024
2 d early
2023
on the day
2022
1 d early
2021
30 d early
2020
49 d early
2019
55 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 24 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 28 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2019net €47,545 ▲549%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 14% on net resultsector median €8,335 · 8,612 companies €47,545 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Total assets 20256 fiscal years filed €258,286 View

By topic

Financials

Fiscal year
2025
Total assets
€258,286
Profit
€47,545
Solvency
18.8%
Total assets▲ 14.4%
Net result
20192025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 30-04-2027
  1. 30-03-2026Annual accounts filed
  2. 30-09-2025Highest result since 2019
  3. 28-04-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
07-11-2012
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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