Financials
- Fiscal year
- 2025
- Turnover
- €171,349
- Loss
- -€26,059
- Solvency
- -39.2%
Turnover▲ 7.4%
Net result
20222025
SAM DECOR
ActiveSummary
The computed 12-month bankruptcy probability of SAM DECOR is 5.6% (elevated). The 2025 annual accounts show negative equity (-€22,232) and a net result of -€26,059. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 30651 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Other specialised construction activities
NACE 43990NACE 43999
1 site
How big
€171,349turnover 2025
- Equity
- -€22,232
- Loss
- -€26,059
Who decides
Accounts 53 d early0 of 2 deeds read
Why 35- 1 change of registered office in 24 months- Liquidity: current ratio 2.04- Loss of €26,059, the second in a row (FY 2025)+ Size: turnover €171,349, total assets €56,739Show the evidence
Checked score
Score 2025
35
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 21% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
0-35
equity -39.2% of total assets
Liquidity
52+34
short-term debt 48.5%
Profitability
0-56
return on assets -45.9%
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
- 1 change of registered office in 24 months raises the probability
- Liquidity: current ratio 2.04 raises the probability
- Size: turnover €171,349, total assets €56,739 lowers the probability for this profile
- Loss of €26,059, the second in a row (FY 2025) raises the probability
No credit on open account
Liquidity ample (current ratio 2.04 against 0.85 in 2024; short-term debt: 48.5% of total assets), but equity is negative.
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 43, micro). Better than this share of them on solvency 3%, liquidity 47%, profitability 4%, growth against the median 30%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€22,232
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 08-10-2025, 53 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
53 d early
2024
21 d early
2023
17 d early
2022
39 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 33 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today. Usually files around 31 October (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-04-2026 close02-10-2026 today30-11-2026 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€26,059
- Liquidity doublescurrent ratio 2.04
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€22,232 View
- Risk: 3 loss-making years in a rowloss fiscal year 2025 -€26,059 View
- Caution: Among the weakest 5% on solvencysector median 47.2% · 30,651 companies -39.2% View
- Positive: Always filed on timeaccounts within the deadline every year 4 years View
By topic
Timeline
- Events
- 6
- Since
- 2022
- Next accounts
- by 30-11-2026
- 08-10-2025Annual accounts filed
- 30-04-2025Weakest financial year
- 30-04-2025Liquidity doubles
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 23-11-2020
- Year ends
- 30-04
- Peppol
- Reachable for e-invoices
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