SAM 4
ActiveThe computed 12-month bankruptcy probability of SAM 4 is 4.3% (elevated). For SAM 4, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €77k and a net result of €-10k. Equity is growing by ~59.2% per year across the filed fiscal years. Its solvency ranks better than 61% of 24639 sector peers (fiscal year 2023). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability11▼-89
Solvency69▼-1
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
44.4%
Return on assets
-5.9%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 5 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline23-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 23-10-2024, 84 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
84 d late
2022
39 d late
2021
9 d early
2020
4 d early
2019
4 d early
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Turnover
€37k
EBIT margin
-20.0%
Net result
€-10k
2022 · €5k
2019: €-5k
2020: €-7k
2021: €2k
2022: €5k
2019 → 2023
Working capital
€75k▲ 2,405%
2022 · €3k
2019: €8k
2020: €-20k
2021: €-10k
2022: €3k
2019 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Turnover€37k
Equity€8k-€187▼ 97.5%€2k▲ 1,047%€7k▲ 230%€77k▲ 983%
Operating result€-5k-€-7k▼ 46.0%€2k€5k▲ 146%€-9k
Net result€-5k-€-7k▼ 45.5%€2k€5k▲ 152%€-10k
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 2023: a loss of €9k after €5k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €173k
Fixed assets
€2k▼ 53.6%
Current assets
€171k▲ 1,376%
Equity and liabilities €173k
Equity
€77k▲ 983%
Debt
€96k▲ 1,018%
The debt ratio rises from 54.8% to 55.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-5k▼
2022 · €13k
Cash flow
€-6k▼
2022 · €13k
Solvency
44.4%▼
2022 · 45.2%
Current ratio
1.78▲
2022 · 1.35
Quick ratio
0.27▼
2022 · 0.62
Debt / equity
1.25▲
2022 · 1.21
ROE
-13.4%▼
2022 · 69.7%
ROA
-5.9%▼
2022 · 31.5%
Interest coverage
-97.52
Debt
€96k▲
2022 · €9k
Debt ≤ 1 year
€96k▲
2022 · €9k
Income taxes
€969
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€16k€173k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€12k€171k▲
Stocks and contracts in progress3€6k€145k▲
Stocks30/36€6k€145k▲
Amounts receivable within one year40/41-€9k
Trade receivables40-€9k
Cash at bank and in hand54/58€5k€16k▲
Equity and liabilities
Total equity and liabilities10/49€16k€173k▲
Equity10/15€7k€77k▲
Contributions10/11€13k€93k▲
Profit (loss) carried forward14€-6k€-16k▼
Amounts payable17/49€9k€96k▲
Amounts payable within one year42/48€9k€96k▲
Advances received on contracts in progress46-€88k
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€2k€2k▼
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€4k▼
Other operating charges640/8€40-
Gross operating margin9900€13k€-5k▼
Operating profit (loss)9901€5k€-9k▼
Financial charges65/66B-€52
Recurring financial charges65-€52
Profit (loss) for the period before taxes9903€5k€-9k▼
Income taxes67/77-€969
Profit (loss) for the period9904€5k€-10k▼
Profit (loss) for the period to be appropriated9905€5k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-16k▼
Profit (loss) brought forward from the previous period14P€-10k€-6k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
31-12
Financial
Weakest financial yearnet €-10k ▼308%
Net result drops to €-10k, the lowest in the series.
08-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 39 days late
2022
31-12
Financial
Highest result since 2019net €5k ▲152%
Operating result €5k, net result €5k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.35
Current ratio from 0.66 to 1.35; short-term debt falls from €30k to €9k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ans · 2 establishment units since 2019
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.
Rue Jules Destrée 184431 AnsGround area
4,833 m²
Building footprint
1,243 m²
Volume, LiDAR
21,950 m³
2 parcels, Flanders, Wallonia · tallest building 22.4 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
SAM 4
since 20192.289.076.769
SAM TRANSFERT
since 20212.319.163.694
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23015B0091/00S003 | Flanders | 4,582 m² | 1 · 1,166 m² | 22.4 m · 6 fl. |
| 62066B0204/00Z003 | Wallonia | 251 m² | 1 · 77 m² | 8.6 m · 2 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.
Similar companies · same sector, comparable size
JP Racing
BE 1009.279.753
Wijnegem · Eq €77k
CARTANA
BE 0844.198.720
Anderlecht · Eq €77k
Metropole Motors
BE 0597.984.511
Antwerpen · Eq €77k
D & K MOTORS
BE 0874.669.487
Willebroek · Eq €77k
Garage Ernest KREUSEN
BE 0435.183.867
Lontzen · Eq €77k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 3,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2019
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
52100Warehousing and storage
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45112
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:SESONGASAMUEL@YAHOO.FR
Phone:0488384832