SAM CAR
ActiveSummary
SAM CAR has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75,865 and a net result of €3,164. Equity is growing by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-3
Solvency81▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.7 in 2024; short-term debt: 44.4% and cash: 19.3% of total assets), and 44.4% of the assets are financed with debt.
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Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
55.6%
Return on assets
2.3%
Age of the figures
9 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 22-09-2026, 53 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 · 9 filingsDeviation from the deadline
2025
53 d late
2024
27 d late
2023
14 d late
2022
50 d late
2021
56 d late
2020
110 d late
2019
193 d late
← 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 72 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 19 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€75,865▲ 4.4%
2024 · €72,701
Total assets
€136,348▼ 6.4%
2024 · €145,633
Net result
€3,164▼ 59.5%
2024 · €7,804
Working capital
€32,755▼ 36.2%
2024 · €51,359
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€14,566▲ 53.3%€17,489▲ 20.1%€33,665▲ 92.5%€11,482▼ 65.9%€4,703▼ 59.0%
Net result€14,526within the sector's middle half▲ 53.6%€17,421within the sector's middle half▲ 19.9%€31,093above the sector's middle half▲ 78.5%€7,804within the sector's middle half▼ 74.9%€3,164within the sector's middle half▼ 59.5%
Equity€16,382within the sector's middle half▲ 783%€33,804within the sector's middle half▲ 106%€64,897within the sector's middle half▲ 92.0%€72,701within the sector's middle half▲ 12.0%€75,865within the sector's middle half▲ 4.4%
Total assets€20,859below the sector's middle half▲ 21.7%€74,073within the sector's middle half▲ 255%€124,977within the sector's middle half▲ 68.7%€145,633within the sector's middle half▲ 16.5%€136,348within the sector's middle half▼ 6.4%
Debt€4,477▼ 70.7%€40,269▲ 799%€60,080▲ 49.2%€72,931▲ 21.4%€60,483▼ 17.1%
Working capital€18,415within the sector's middle half▲ 1,024%€19,837within the sector's middle half▲ 7.7%€54,721within the sector's middle half▲ 176%€51,359within the sector's middle half▼ 6.1%€32,755within the sector's middle half▼ 36.2%
Solvency78.5%above the sector's middle half▲ 67.7pp45.6%within the sector's middle half▼ 32.9pp51.9%within the sector's middle half▲ 6.3pp49.9%within the sector's middle half▼ 2.0pp55.6%within the sector's middle half▲ 5.7pp
Current ratio9.27above the sector's middle half▲ 8.161.49within the sector's middle half▼ 7.781.91within the sector's middle half▲ 0.421.70within the sector's middle half▼ 0.211.54within the sector's middle half▼ 0.16
Return on assets (ROA)69.6%above the sector's middle half▲ 14.5pp23.5%above the sector's middle half▼ 46.1pp24.9%above the sector's middle half▲ 1.4pp5.4%within the sector's middle half▼ 19.5pp2.3%within the sector's middle half▼ 3.0pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 59% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136,348
Fixed assets
€43,110 ▲ 102%
Current assets
€93,238 ▼ 25.0%
Equity and liabilities €136,348
Equity
€75,865 ▲ 4.4%
Debt
€60,483 ▼ 17.1%
Debt's share of the balance-sheet total falls from 50.1% to 44.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15,902▼
2024 · €26,100
Cash flow
€14,363▼
2024 · €22,423
Debt to equity
0.80▼
2024 · 1.00
ROE
4.2%▼
2024 · 10.7%
Interest coverage
104.65▲
2024 · 51.73
Debt ≤ 1 year
€60,483▼
2024 · €72,931
Income taxes
€1,387▼
2024 · €3,173
Staff costs
€3,261▼
2024 · €14,988
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,049 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.7%
stopped otherwise
94%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,049 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €1,501 | €13,836 | €14,988 | €3,261 | ▼ 78.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1,250 | €6,209 | €14,618 | €11,200 | ▼ 23.4% |
| Other operating charges640/8 | €2,985 | €1,622 | €2,921 | €2,549 | €3,509 | ▲ 37.7% |
| Gross operating margin9900 | €17,551 | €21,862 | €56,631 | €43,637 | €22,672 | ▼ 48.0% |
| Operating profit (loss)9901 | €14,566 | €17,489 | €33,665 | €11,482 | €4,703 | ▼ 59.0% |
| Financial income75/76B | - | - | €877 | - | - | - |
| Recurring financial income75 | - | - | €877 | - | - | - |
| Financial charges65/66B | €40 | €68 | €212 | €505 | €152 | ▼ 69.9% |
| Recurring financial charges65 | €40 | €68 | €212 | €505 | €152 | ▼ 69.9% |
| Profit (loss) for the period before taxes9903 | €14,526 | €17,421 | €34,331 | €10,977 | €4,551 | ▼ 58.5% |
| Income taxes67/77 | - | - | €3,237 | €3,173 | €1,387 | ▼ 56.3% |
| Profit (loss) for the period9904 | €14,526 | €17,421 | €31,093 | €7,804 | €3,164 | ▼ 59.5% |
| Profit (loss) for the period to be appropriated9905 | €14,526 | €17,421 | €31,093 | €7,804 | €3,164 | ▼ 59.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €20,859 | €74,073 | €124,977 | €145,633 | €136,348 | ▼ 6.4% |
| Fixed assets21/28 | €217 | €13,967 | €10,176 | €21,343 | €43,110 | ▲ 102% |
| Tangible fixed assets22/27 | - | €13,750 | €9,959 | €21,126 | €42,893 | ▲ 103% |
| Plant, machinery and equipment23 | - | - | €1,209 | €185 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €13,750 | €8,750 | €20,940 | €42,893 | ▲ 105% |
| Financial fixed assets28 | €217 | €217 | €217 | €217 | €217 | = |
| Current assets29/58 | €20,642 | €60,106 | €114,802 | €124,290 | €93,238 | ▼ 25.0% |
| Amounts receivable within one year40/41 | €10,960 | €41,430 | €81,402 | €81,841 | €63,552 | ▼ 22.3% |
| Trade receivables40 | €2,571 | €25,616 | €58,413 | €43,436 | €35,239 | ▼ 18.9% |
| Other amounts receivable41 | €8,389 | €15,814 | €22,989 | €38,405 | €28,312 | ▼ 26.3% |
| Cash at bank and in hand54/58 | €9,682 | €18,676 | €30,080 | €42,449 | €26,251 | ▼ 38.2% |
| Deferred charges and accrued income490/1 | - | - | €3,319 | - | €3,435 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €20,859 | €74,073 | €124,977 | €145,633 | €136,348 | ▼ 6.4% |
| Equity10/15 | €16,382 | €33,804 | €64,897 | €72,701 | €75,865 | ▲ 4.4% |
| Contributions10/11 | €13,000 | €13,000 | €13,000 | €13,000 | €13,000 | = |
| Capital10 | - | €13,000 | - | - | - | - |
| Issued capital100 | - | €13,000 | - | - | - | - |
| Reserves13 | €121 | €121 | €121 | €121 | €121 | = |
| Non-distributable reserves130/1 | €121 | €121 | €121 | €121 | €121 | = |
| Reserves not available under the articles1311 | €121 | €121 | €121 | €121 | €121 | = |
| Profit (loss) carried forward14 | €3,261 | €20,683 | €51,776 | €59,580 | €62,744 | ▲ 5.3% |
| Amounts payable17/49 | €4,477 | €40,269 | €60,080 | €72,931 | €60,483 | ▼ 17.1% |
| Amounts payable within one year42/48 | €2,227 | €40,269 | €60,080 | €72,931 | €60,483 | ▼ 17.1% |
| Trade debts44 | - | €35,580 | €56,600 | €68,501 | €49,721 | ▼ 27.4% |
| Suppliers440/4 | - | €35,580 | €56,600 | €68,501 | €49,721 | ▼ 27.4% |
| Taxes, remuneration and social security45 | €2,227 | €4,220 | €3,480 | - | €6,762 | - |
| Taxes450/3 | €2,227 | €3,503 | €3,480 | - | €6,762 | - |
| Remuneration and social security454/9 | - | €717 | - | - | - | - |
| Other amounts payable47/48 | - | €470 | - | €4,430 | €4,000 | ▼ 9.7% |
| Accrued charges and deferred income492/3 | €2,250 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,526 | €17,421 | €31,093 | €7,804 | €3,164 | ▼ 59.5% |
| + Depreciation and write-downs630 | - | €1,250 | €6,209 | €14,618 | €11,200 | ▼ 23.4% |
| Operating cash flow (approximation) | €14,526 | €18,671 | €37,302 | €22,423 | €14,363 | ▼ 35.9% |
| Investment in fixed assets (approximation) | - | -€15,000 | -€2,417 | -€25,785 | -€32,967 | ▼ 27.9% |
| Change in cash | - | €8,994 | €11,404 | €12,369 | -€16,198 | ▼ 231% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
15-07
State Gazette act
Resignation: Al Ali Adib (director)2 facts ▸
State Gazette act
Resignation: Al Ali Adib (director)
2 facts ▸
- General meeting, 30-06-2026
- Director resignation, Al Ali Adib (director)
25-03
State Gazette act
Resignation: Alali Maher (director)2 facts ▸
State Gazette act
Resignation: Alali Maher (director)
2 facts ▸
- General meeting, 28/02/2026
- Director resignation, Alali Maher (director)
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Highest result since 2018net €31,093 ▲78.5%
Operating result €33,665, net result €31,093, both a record.
19-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 50 days late
2022
25-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 56 days late
2021
31-12
Financial
Liquidity times 8current ratio 9.27
Current ratio from 1.11 to 9.27; short-term debt falls from €15,282 to €2,227.
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 110 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 193 days late
2020
31-12
Financial
Back to profitnet €9,457
Net result €9,457 after one loss-making year.
Show earlier events
31-12
Financial
Liquidity triplescurrent ratio 1.11
Current ratio from 0.38 to 1.11.
2019
31-12
Financial
Weakest financial yearnet -€22,675
Net result drops to -€22,675, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 17 acts read
About the unread acts
Of the 17 Belgian State Gazette acts we know for this company, 2 have been read. The other 15 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
15 of this company's 17 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, Anderlecht · 1 establishment unit since 2020
Ground area
924 m²
Building footprint
424 m²
Volume, LiDAR
3,564 m³
2 parcels, Brussels, Flanders · tallest building 19.2 m, ±3 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
SAM CAR
since 20202.309.919.891
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46014A0531/00L004 | Flanders | 682 m² | 1 · 180 m² | 8.0 m · 2 fl. |
| 21305B0210/00F005 | Brussels | 242 m² | 1 · 245 m² | 19.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Al Ali Adib |
|
| Alali Maher |
|
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 3,530 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
E-invoicing
Reachable via Peppol
Peppol ID
0208:0664611237
Registered
14-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.