SAM-Drive
ActiveSummary
SAM-Drive has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€94,575) and a net result of -€119,575. Equity is shrinking by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 9% of 1885 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability53▲+50
Solvency15▼-12
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.37 against 0.39 in 2024; short-term debt: 75.6% and cash: 17.9% of total assets), and equity is negative.
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Signals
Seven 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 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-10.2%
Return on assets
-12.9%
Age of the figures
9 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€94,575
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
25 d late
2023
31 d late
2022
31 d late
2021
61 d early
2020
5 d early
2019
76 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 18 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% 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.
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, abbreviated schema
In the rankings
#9 employer in Lasne
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€119,575▲ 17.0%
2024 · -€144,000
Working capital
-€439,710▼ 22.2%
2024 · -€359,762
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, 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€10,240-€293,288€201,369-€269,814-€92,206▲ 65.8%
Net result-€1,152below the sector's middle half▲ 99.2%-€308,548below the sector's middle half▼ 26,695%€184,454within the sector's middle half-€144,000below the sector's middle half-€119,575below the sector's middle half▲ 17.0%
Equity€192,294within the sector's middle half-€116,254below the sector's middle half€68,200below the sector's middle half€25,000below the sector's middle half▼ 63.3%-€94,575below the sector's middle half
Total assets€938,505within the sector's middle half▲ 50.4%€814,088within the sector's middle half▼ 13.3%€1.1mwithin the sector's middle half▲ 35.6%€1.2mwithin the sector's middle half▲ 4.7%€927,177within the sector's middle half▼ 19.8%
Debt€746,211▼ 11.0%€930,342▲ 24.7%€1.0m▲ 11.3%€1.1m▲ 9.2%€1.0m▼ 9.6%
Working capital-€197,553below the sector's middle half▼ 15.0%-€479,488below the sector's middle half▼ 143%-€283,678below the sector's middle half▲ 40.8%-€359,762below the sector's middle half▼ 26.8%-€439,710below the sector's middle half▼ 22.2%
Solvency20.5%within the sector's middle half▲ 54.9pp-14.3%below the sector's middle half▼ 34.8pp6.2%below the sector's middle half▲ 20.5pp2.2%below the sector's middle half▼ 4.0pp-10.2%below the sector's middle half▼ 12.4pp
Current ratio0.65below the sector's middle half▲ 0.110.36below the sector's middle half▼ 0.290.51below the sector's middle half▲ 0.150.39below the sector's middle half▼ 0.120.37below the sector's middle half▼ 0.02
Return on assets (ROA)-0.1%below the sector's middle half▲ 24.4pp-37.9%below the sector's middle half▼ 37.8pp16.7%above the sector's middle half▲ 54.6pp-12.5%below the sector's middle half▼ 29.2pp-12.9%below the sector's middle half▼ 0.4pp
Staff (FTE)16.4within the sector's middle half▼ 4.1%0below the sector's middle half▼ 100%26within the sector's middle half31.1within the sector's middle half▲ 19.6%33above the sector's middle half▲ 6.1%
above
within
below
the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2021 Net result +99% on 2020. The accounts now follow the full schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €92,206 in 2025 against €269,814 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €927,177
Fixed assets
€665,831 ▼ 28.0%
Current assets
€261,346 ▲ 13.1%
Key figures and ratios
EBITDA
€166,716▲
2024 · -€114,584
Cash flow
€139,347▲
2024 · €11,230
Debt to equity
-10.80▼
2024 · 45.23
Interest coverage
6.02▲
2024 · -5.47
Debt ≤ 1 year
€701,057▲
2024 · €590,880
Debt > 1 year
€107,362▼
2024 · €243,766
Staff costs
€1.4m▲
2024 · €1.3m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 600 companies that looked in July 2024 the way this one looks now, 8.5% went bankrupt within 24 months and 83% are still going.
- Small
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
8.5%
went bankrupt
5.8%
stopped otherwise
83%
still going
A further 2.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 600 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €388,795 | - | - | - |
| Remuneration, social security and pensions62 | €419,091 | €709,475 | €1.1m | €1.3m | €1.4m | ▲ 8.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,400 | €63,476 | €81,945 | €155,230 | €258,922 | ▲ 66.8% |
| Other operating charges640/8 | €5,463 | €12,643 | €24,495 | €14,426 | €2,881 | ▼ 80.0% |
| Gross operating margin9900 | €442,194 | €492,307 | €1.4m | €1.2m | €1.6m | ▲ 32.0% |
| Operating profit (loss)9901 | €10,240 | -€293,288 | €201,369 | -€269,814 | -€92,206 | ▲ 65.8% |
| Financial income75/76B | €26 | €0 | €3,209 | €146,746 | €340 | ▼ 99.8% |
| Recurring financial income75 | €26 | €0 | €3,209 | €146,746 | €340 | ▼ 99.8% |
| Financial charges65/66B | €11,418 | €15,260 | €20,124 | €20,932 | €27,709 | ▲ 32.4% |
| Recurring financial charges65 | €11,418 | €15,260 | €20,124 | €20,932 | €27,709 | ▲ 32.4% |
| Profit (loss) for the period before taxes9903 | -€1,152 | -€308,548 | €184,454 | -€144,000 | -€119,575 | ▲ 17.0% |
| Profit (loss) for the period9904 | -€1,152 | -€308,548 | €184,454 | -€144,000 | -€119,575 | ▲ 17.0% |
| Transfer to tax-exempt reserves689 | - | - | €385,939 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€1,152 | -€308,548 | -€201,485 | -€144,000 | -€119,575 | ▲ 17.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €938,505 | €814,088 | €1.1m | €1.2m | €927,177 | ▼ 19.8% |
| Fixed assets21/28 | €567,058 | €544,394 | €809,311 | €924,753 | €665,831 | ▼ 28.0% |
| Intangible fixed assets21 | €531,385 | €501,110 | €438,611 | €376,112 | €265,410 | ▼ 29.4% |
| Tangible fixed assets22/27 | €33,470 | €41,280 | €370,610 | €548,551 | €400,331 | ▼ 27.0% |
| Plant, machinery and equipment23 | €1,486 | €657 | €578 | €373 | €169 | ▼ 54.8% |
| Furniture and vehicles24 | €31,984 | €40,623 | €370,033 | €548,178 | €400,162 | ▼ 27.0% |
| Financial fixed assets28 | €2,203 | €2,003 | €90 | €90 | €90 | = |
| Current assets29/58 | €371,447 | €269,694 | €294,295 | €231,118 | €261,346 | ▲ 13.1% |
| Amounts receivable within one year40/41 | €87,224 | €76,007 | €157,285 | €53,266 | €81,855 | ▲ 53.7% |
| Trade receivables40 | €44,450 | €45,174 | €66,373 | €53,183 | €81,671 | ▲ 53.6% |
| Other amounts receivable41 | €42,774 | €30,833 | €90,912 | €83 | €185 | ▲ 123% |
| Cash at bank and in hand54/58 | €254,026 | €176,561 | €119,896 | €166,857 | €166,015 | ▼ 0.5% |
| Deferred charges and accrued income490/1 | €30,196 | €17,126 | €17,114 | €10,995 | €13,476 | ▲ 22.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €938,505 | €814,088 | €1.1m | €1.2m | €927,177 | ▼ 19.8% |
| Equity10/15 | €192,294 | -€116,254 | €68,200 | €25,000 | -€94,575 | ▼ 478% |
| Contributions10/11 | €870,553 | €870,553 | €870,553 | €971,353 | €971,353 | = |
| Reserves13 | - | - | €385,939 | €385,939 | €385,939 | = |
| Tax-exempt reserves132 | - | - | €385,939 | €385,939 | €385,939 | = |
| Profit (loss) carried forward14 | -€678,259 | -€986,807 | -€1.2m | -€1.3m | -€1.5m | ▼ 9.0% |
| Amounts payable17/49 | €746,211 | €930,342 | €1.0m | €1.1m | €1.0m | ▼ 9.6% |
| Amounts payable after more than one year17 | €177,211 | €181,160 | €454,642 | €243,766 | €107,362 | ▼ 56.0% |
| Financial debts170/4 | €177,211 | €181,160 | €454,642 | €243,766 | €107,362 | ▼ 56.0% |
| Amounts payable within one year42/48 | €569,000 | €749,182 | €577,973 | €590,880 | €701,057 | ▲ 18.6% |
| Current portion of amounts payable after more than one year42 | €29,095 | €39,671 | €159,127 | €148,139 | €149,054 | ▲ 0.6% |
| Financial debts43 | €3,221 | €2,813 | €1,564 | - | - | - |
| Credit institutions430/8 | €3,221 | €2,813 | €1,564 | - | - | - |
| Trade debts44 | €245,218 | €166,425 | €95,348 | €138,395 | €151,410 | ▲ 9.4% |
| Suppliers440/4 | €99,759 | €75,553 | €85,862 | €138,395 | €151,410 | ▲ 9.4% |
| Bills of exchange payable441 | €145,459 | €90,872 | €9,486 | - | - | - |
| Advances received on contracts in progress46 | €0 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €132,485 | €265,372 | €268,798 | €262,126 | €368,928 | ▲ 40.7% |
| Taxes450/3 | €10,249 | €758 | €16,648 | €19,805 | €24,459 | ▲ 23.5% |
| Remuneration and social security454/9 | €122,236 | €264,613 | €252,150 | €242,322 | €344,469 | ▲ 42.2% |
| Other amounts payable47/48 | €158,981 | €274,901 | €53,137 | €42,219 | €31,664 | ▼ 25.0% |
| Accrued charges and deferred income492/3 | €0 | - | €2,792 | €296,226 | €213,333 | ▼ 28.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,152 | -€308,548 | €184,454 | -€144,000 | -€119,575 | ▲ 17.0% |
| + Depreciation and write-downs630 | €7,400 | €63,476 | €81,945 | €155,230 | €258,922 | ▲ 66.8% |
| Operating cash flow (approximation) | €6,248 | -€245,072 | €266,399 | €11,230 | €139,347 | ▲ 1,141% |
| Investment in fixed assets (approximation) | - | -€40,811 | -€346,862 | -€270,672 | €0 | ▲ 100% |
| Change in cash | - | -€77,465 | -€56,665 | €46,961 | -€842 | ▼ 102% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Back to profitnet €184,454
Net result €184,454 after 5 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €150,000Eq €192,294
Equity rises from -€214,897 to €192,294.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 76 days late
2019
31-12
Financial
Weakest financial yearnet -€342,909
Net result drops to -€342,909, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Lasne · 1 establishment unit since 2014
Ground area
1,100 m²
Building footprint
276 m²
Volume, LiDAR
83 m³
2 parcels, Wallonia · tallest building 5.5 m. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Rue de l'Abbaye 8, 1380 Lasne
since 20142.227.009.637
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25024A0263/00B000 ProtectedSite or landscape |
Wallonia | 867 m² | 1 · 61 m² | 5.5 m |
| 25024A0261/00B000 ProtectedSite or landscape |
Wallonia | 233 m² | 1 · 215 m² | - |
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.
2 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 6,972 companies in sector 49320 we hold annual accounts for 2,716. 2,224 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCooperative company
Founded19-02-2014
Fiscal year end31-12
Activities, NACEBEL 2025
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
E-invoicing
Reachable via Peppol
Peppol ID
0208:0546788901
Registered
18-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.