SAM-CO
ActiveSAM-CO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €476k and a net result of €13k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-20
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.51 against 7.81 in 2024; short-term debt: 22% and cash: 89.2% of total assets), and 23.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
76.9%
Return on assets
2.2%
Age of the figures
15 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
13 d late
2022
31 d late
2021
26 d late
2020
30 d late
2019
61 d late
2018
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€476k▼ 9.8%
2024 · €527k
2018: €215k
2019: €275k
2020: €322k
2021: €371k
2022: €455k
2024: €527k
2018 → 2025
Total assets
€618k▲ 1.5%
2024 · €609k
2018: €310k
2019: €363k
2020: €347k
2021: €462k
2022: €546k
2024: €609k
2018 → 2025
Net result
€13k▼ 87.8%
2024 · €109k
2018: €66k
2019: €61k
2020: €48k
2021: €88k
2022: €114k
2024: €109k
2018 → 2025
Working capital
€477k▼ 9.4%
2024 · €526k
2018: €178k
2019: €240k
2020: €298k
2021: €364k
2022: €449k
2024: €526k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€322k-€371k▲ 15.4%€455k▲ 22.6%€527k▲ 15.8%€476k▼ 9.8%
Operating result€70k-€126k▲ 80.7%€163k▲ 29.0%€142k▼ 12.6%€7k▼ 94.9%
Net result€48k-€88k▲ 82.1%€114k▲ 29.7%€109k▼ 3.9%€13k▼ 87.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €618k
Fixed assets
€5k▲ 1.7%
Current assets
€613k▲ 1.5%
Equity and liabilities €618k
Equity
€476k▼ 9.8%
Debt
€143k▲ 75.1%
The debt ratio rises from 13.4% to 23.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€9k▼
2024 · €145k
Cash flow
€15k▼
2024 · €112k
Solvency
76.9%▼
2024 · 86.6%
Current ratio
4.51▼
2024 · 7.81
Quick ratio
4.51▼
2024 · 7.70
Debt / equity
0.30▲
2024 · 0.15
ROE
2.8%▼
2024 · 20.7%
ROA
2.2%▼
2024 · 17.9%
Interest coverage
10.53▼
2024 · 64.11
Debt
€143k▲
2024 · €81k
Debt ≤ 1 year
€136k▲
2024 · €77k
Income taxes
€8k▼
2024 · €45k
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€609k€618k▲
Fixed assets21/28€5k€5k▲
Tangible fixed assets22/27€3k€3k▲
Plant, machinery and equipment23€394€2k▲
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€969€202▼
Financial fixed assets28€2k€2k=
Current assets29/58€604k€613k▲
Stocks and contracts in progress3€8k-
Stocks30/36€8k-
Amounts receivable within one year40/41€9k€9k▼
Trade receivables40€8k-
Other amounts receivable41€1k€9k▲
Current investments50/53€550k€50k▼
Cash at bank and in hand54/58€33k€551k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€609k€618k▲
Equity10/15€527k€476k▼
Contributions10/11€19k€19k=
Reserves13€509k€457k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€507k€455k▼
Amounts payable17/49€81k€143k▲
Amounts payable within one year42/48€77k€136k▲
Trade debts44€15k€1k▼
Suppliers440/4€15k€1k▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€2k€140▼
Remuneration and social security454/9€8k€8k=
Other amounts payable47/48€53k€126k▲
Accrued charges and deferred income492/3€4k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€147k€11k▼
Operating profit (loss)9901€142k€7k▼
Financial income75/76B€14k€15k▲
Recurring financial income75€14k€15k▲
Financial charges65/66B€2k€863▼
Recurring financial charges65€2k€863▼
Profit (loss) for the period before taxes9903€154k€22k▼
Income taxes67/77€45k€8k▼
Profit (loss) for the period9904€109k€13k▼
Profit (loss) for the period to be appropriated9905€109k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€13k▼
Transfer from equity791/2€36k€65k▲
Transfer to equity691/2€108k€13k▼
To other reserves6921€108k€13k▼
Profit to be distributed694/7€37k€65k▲
Return on contributions (dividend)694€37k€65k▲
The notes to these accounts (9 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €13k ▼87.8%
Net result drops to €13k, the lowest in the series.
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
30-06
Financial
Equity above €500kEq €527k ▲15.8%
6 profitable years in a row build equity to €527k.
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €114k ▲29.7%
Operating result €163k, net result €114k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 12.98
Current ratio from 3.80 to 12.98; short-term debt falls from €86k to €25k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 52 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beringen · 1 establishment unit since 2010
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.
Schaffensesteenweg 73583 BeringenGround area
767 m²
Building footprint
142 m²
Volume, LiDAR
771 m³
Parcel 71382C0383/00N000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAM-CO
since 20102.184.006.963
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382C0383/00N000 | Flanders | 767 m² | 1 · 142 m² | 7.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 227 EUR awarded · 227 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 227 EUR | 227 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 893 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2009
Fiscal year end30-06
Activities, NACEBEL
78100Employment placement agencies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:mg@sam-co.be
Phone:011234700