SAM SERVICES
ActiveThe computed 12-month bankruptcy probability of SAM SERVICES is 2.1% (moderate). The 2025 annual accounts show equity of €70k and a net result of €3k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 27676 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-23
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 15.62 against 4.89 in 2024; short-term debt: 6.1% and cash: 6.9% of total assets), and 6.1% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
93.9%
Return on assets
3.9%
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 17-08-2026, 17 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 · 3 filingsDeviation from the deadline
2025
17 d late
2024
28 d late
2023
8 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 4.3%
2024 · €67k
2023: €49k
2024: €67k
2023 → 2025
Total assets
€75k▼ 11.5%
2024 · €84k
2023: €66k
2024: €84k
2023 → 2025
Net result
€3k▼ 84.7%
2024 · €19k
2023: €46k
2024: €19k
2023 → 2025
Working capital
€67k▲ 0.2%
2024 · €67k
2023: €48k
2024: €67k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€49k-€67k▲ 38.7%€70k▲ 4.3%
Operating result€63k-€23k▼ 62.8%€4k▼ 83.8%
Net result€46k-€19k▼ 59.2%€3k▼ 84.7%
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 84% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€4k▲ 349%
Current assets
€71k▼ 14.8%
Equity and liabilities €75k
Equity
€70k▲ 4.3%
Debt
€5k▼ 73.4%
The debt ratio falls from 20.3% to 6.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €24k
Cash flow
€3k▼
2024 · €19k
Solvency
93.9%▲
2024 · 79.7%
Current ratio
15.62▲
2024 · 4.89
Quick ratio
15.62▲
2024 · 4.89
Debt / equity
0.06▼
2024 · 0.25
ROE
4.1%▼
2024 · 27.9%
ROA
3.9%▼
2024 · 22.2%
Interest coverage
96.10▼
2024 · 477.57
Debt
€5k▼
2024 · €17k
Debt ≤ 1 year
€5k▼
2024 · €17k
Income taxes
€1k▼
2024 · €5k
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€84k€75k▼
Fixed assets21/28€786€4k▲
Tangible fixed assets22/27€786€4k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€786€646▼
Current assets29/58€84k€71k▼
Amounts receivable within one year40/41€25k€65k▲
Trade receivables40€15k€46k▲
Other amounts receivable41€9k€19k▲
Cash at bank and in hand54/58€59k€5k▼
Deferred charges and accrued income490/1€349€989▲
Equity and liabilities
Total equity and liabilities10/49€84k€75k▼
Equity10/15€67k€70k▲
Contributions10/11€3k€3k=
Reserves13€46k€49k▲
Distributable reserves133€46k€49k▲
Profit (loss) carried forward14€19k€19k=
Amounts payable17/49€17k€5k▼
Amounts payable within one year42/48€17k€5k▼
Trade debts44-€5k
Suppliers440/4-€5k
Taxes, remuneration and social security45€17k€0▼
Taxes450/3€17k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€459€609▲
Other operating charges640/8€370€317▼
Non-recurring operating charges66A-€586
Gross operating margin9900€24k€5k▼
Operating profit (loss)9901€23k€4k▼
Financial income75/76B€471€503▲
Recurring financial income75€471€503▲
Financial charges65/66B€50€46▼
Recurring financial charges65€50€46▼
Profit (loss) for the period before taxes9903€24k€4k▼
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€19k€3k▼
Profit (loss) for the period to be appropriated9905€19k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€22k▲
Profit (loss) brought forward from the previous period14P-€19k
Transfer to equity691/2-€3k
To other reserves6921-€3k
The notes to these accounts (11 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Weakest financial yearnet €3k ▼84.7%
Net result drops to €3k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 15.62
Current ratio from 4.89 to 15.62; short-term debt falls from €17k to €5k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kortrijk · 1 establishment unit since 2022
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.
Rekkemsestraat(Mar) 2188510 KortrijkGround area
165 m²
Building footprint
74 m²
Volume, LiDAR
486 m³
Parcel 34026A0099/00R002, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAM SERVICES
since 20222.331.823.778
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0099/00R002 | Flanders | 165 m² | 1 · 74 m² | 11.7 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.
Similar companies · same sector, comparable size
ALGEMENE TECHNISCHE DIENSTVERLENING
BE 0462.908.645
Heusden-Zolder · Eq €70k
NETCOM ICT
BE 0627.660.670
Tenneville · Eq €70k
SECURITY FIRST
BE 0743.837.075
Herzele · Eq €70k
ROBIN VERBRUGGEN
BE 1005.526.546
Puurs-Sint-Amands · Eq €70k
G-SYSTEM PROJECTS
BE 0541.781.325
Brecht · Eq €70k
Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,761 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2022
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:Sam-services@outlook.be
E-mail:sraveel1@gmail.com