SAM-Group
ActiveSAM-Group has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €506k and a net result of €160k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+3
Solvency47▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.34 in 2024; short-term debt: 52% and cash: 3.9% of total assets), and 78.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
21.9%
Return on assets
6.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €506k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
7 d early
2022
31 d late
2021
22 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€506k▲ 46.3%
2024 · €346k
2018: €-67k
2019: €-92k
2020: €-63k
2021: €43k
2022: €99k
2023: €268k
2024: €346k
2018 → 2025
Total assets
€2.30M▲ 26.3%
2024 · €1.82M
2018: €170k
2019: €144k
2020: €731k
2021: €1.25M
2022: €1.79M
2023: €1.55M
2024: €1.82M
2018 → 2025
Net result
€160k▲ 107%
2024 · €77k
2018: €-75k
2019: €-24k
2020: €28k
2021: €106k
2022: €56k
2023: €169k
2024: €77k
2018 → 2025
Working capital
€457k▲ 10.3%
2024 · €414k
2018: €6k
2019: €-17k
2020: €143k
2021: €408k
2022: €483k
2023: €871k
2024: €414k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€99k▲ 132%€268k▲ 171%€346k▲ 28.8%€506k▲ 46.3%
Operating result€127k-€76k▼ 40.1%€231k▲ 204%€125k▼ 45.9%€206k▲ 65.2%
Net result€106k-€56k▼ 47.0%€169k▲ 201%€77k▼ 54.3%€160k▲ 107%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 65% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.30M
Fixed assets
€650k▲ 244%
Current assets
€1.65M▲ 1.2%
Equity and liabilities €2.30M
Equity
€506k▲ 46.3%
Debt
€1.80M▲ 21.6%
The debt ratio falls from 81.0% to 78.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€207k▲
2024 · €128k
Cash flow
€161k▲
2024 · €80k
Solvency
21.9%▲
2024 · 19.0%
Current ratio
1.38▲
2024 · 1.34
Quick ratio
1.37▲
2024 · 1.32
Debt / equity
3.56▼
2024 · 4.28
ROE
31.6%▲
2024 · 22.4%
ROA
6.9%▲
2024 · 4.2%
Interest coverage
14.55▲
2024 · 13.09
Debt
€1.80M▲
2024 · €1.48M
Debt ≤ 1 year
€1.20M▼
2024 · €1.22M
Debt > 1 year
€601k▲
2024 · €258k
Income taxes
€51k▲
2024 · €40k
Staff costs
€142k▲
2024 · €137k
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€1.82M€2.30M▲
Fixed assets21/28€189k€650k▲
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€0-
Financial fixed assets28€186k€648k▲
Current assets29/58€1.64M€1.65M▲
Stocks and contracts in progress3€26k€16k▼
Stocks30/36€26k€16k▼
Amounts receivable within one year40/41€1.38M€1.55M▲
Trade receivables40€1.24M€1.12M▼
Other amounts receivable41€146k€431k▲
Cash at bank and in hand54/58€225k€89k▼
Deferred charges and accrued income490/1€2k€723▼
Equity and liabilities
Total equity and liabilities10/49€1.82M€2.30M▲
Equity10/15€346k€506k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€338k€498k▲
Amounts payable17/49€1.48M€1.80M▲
Amounts payable after more than one year17€258k€601k▲
Other amounts payable178/9€258k€601k▲
Amounts payable within one year42/48€1.22M€1.20M▼
Trade debts44€1.19M€1.16M▼
Suppliers440/4€1.19M€1.16M▼
Taxes, remuneration and social security45€32k€36k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€28k€30k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0€41k▲
Remuneration, social security and pensions62€137k€142k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€830▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€37k
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€267k€389k▲
Operating profit (loss)9901€125k€206k▲
Financial income75/76B€3k€19k▲
Recurring financial income75€3k€19k▲
Financial charges65/66B€10k€14k▲
Recurring financial charges65€10k€14k▲
Profit (loss) for the period before taxes9903€118k€211k▲
Income taxes67/77€40k€51k▲
Profit (loss) for the period9904€77k€160k▲
Profit (loss) for the period to be appropriated9905€77k€160k▲
Appropriation of the result
Profit (loss) to be appropriated9906€338k€498k▲
Profit (loss) brought forward from the previous period14P€260k€338k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (17 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €500kEq €506k ▲46.3%
6 profitable years in a row build equity to €506k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €169k ▲201%
Operating result €231k, net result €169k, both a record.
31-12
Financial
Equity above €200kEq €268k ▲171%
4 profitable years in a row build equity to €268k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 58 days late
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 318 days late
2017
17-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 109 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, Houthalen-Helchteren · 2 establishment units since 2015
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.
Centrum-Zuid 30193530 Houthalen-HelchterenGround area
3,212 m²
Building footprint
1,431 m²
Volume, LiDAR
8,663 m³
2 parcels, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SAM-Group
since 20152.240.040.596
Sam-Group
since 20202.308.729.860
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72015C0768/00R000 | Flanders | 2,957 m² | 1 · 1,304 m² | 7.3 m · 2 fl. |
| 11052C0188/00D002 | Flanders | 255 m² | 1 · 127 m² | 8.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWommelgem2.308.729.860
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Of 268 companies in sector 46474 we hold annual accounts for 181. 126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2015
Fiscal year end31-12
Activities, NACEBEL
46474Wholesale trade
49410Freight transport by road
46431Wholesale of electrical household appliances and audio-video equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.