SAM TEC
ActiveThe computed 12-month bankruptcy probability of SAM TEC is 2.5% (moderate). The 2024 annual accounts show equity of €67k and a net result of €22k. Its solvency ranks better than 91% of 36376 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+8
Growth52
Track record94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 5.5 against 2.12 in 2023; short-term debt: 13.6% and cash: 1.1% of total assets), and 13.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-08-2025, 19 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
19 d late
2023
19 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€67k▲ 50.3%
2023 · €44k
2023: €44k
2023 → 2024
Total assets
€77k▲ 17.4%
2023 · €66k
2023: €66k
2023 → 2024
Net result
€22k▼ 41.9%
2023 · €38k
2023: €38k
2023 → 2024
Working capital
€47k▲ 96.4%
2023 · €24k
2023: €24k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€44k-€67k▲ 50.3%
Operating result€56k-€32k▼ 42.2%
Net result€38k-€22k▼ 41.9%
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 2024; 2024 is 42% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €77k
Fixed assets
€20k▼ 4.1%
Current assets
€58k▲ 27.0%
Equity and liabilities €77k
Equity
€67k▲ 50.3%
Debt
€11k▼ 51.0%
The debt ratio falls from 32.5% to 13.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▼
2023 · €61k
Cash flow
€26k▼
2023 · €44k
Solvency
86.4%▲
2023 · 67.5%
Current ratio
5.50▲
2023 · 2.12
Quick ratio
5.50▲
2023 · 2.12
Debt / equity
0.16▼
2023 · 0.48
ROE
33.5%▼
2023 · 86.5%
ROA
28.9%▼
2023 · 58.4%
Interest coverage
127.89▼
2023 · 1050.39
Debt
€11k▼
2023 · €21k
Debt ≤ 1 year
€11k▼
2023 · €21k
Income taxes
€10k▼
2023 · €17k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€66k€77k▲
Fixed assets21/28€20k€20k▼
Tangible fixed assets22/27€20k€20k▼
Land and buildings22€19k€17k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€961€1k▲
Current assets29/58€46k€58k▲
Amounts receivable within one year40/41€39k€57k▲
Trade receivables40€6k€11k▲
Other amounts receivable41€33k€46k▲
Cash at bank and in hand54/58€7k€847▼
Equity and liabilities
Total equity and liabilities10/49€66k€77k▲
Equity10/15€44k€67k▲
Contributions10/11€6k€6k=
Reserves13€38k€61k▲
Distributable reserves133€38k€61k▲
Amounts payable17/49€21k€11k▼
Amounts payable within one year42/48€21k€11k▼
Trade debts44€3k€41▼
Suppliers440/4€3k€41▼
Taxes, remuneration and social security45€18k€10k▼
Taxes450/3€18k€10k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€728€1k▲
Gross operating margin9900€62k€37k▼
Operating profit (loss)9901€56k€32k▼
Financial charges65/66B€58€279▲
Recurring financial charges65€58€279▲
Profit (loss) for the period before taxes9903€56k€32k▼
Income taxes67/77€17k€10k▼
Profit (loss) for the period9904€38k€22k▼
Profit (loss) for the period to be appropriated9905€38k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€22k▼
Transfer to equity691/2€38k€22k▼
To the legal reserve6920€38k€22k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 5.50
Current ratio from 2.12 to 5.50; short-term debt falls from €21k to €11k.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
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, Dendermonde · 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.
Westbroek (GRE) 159200 DendermondeGround area
632 m²
Building footprint
197 m²
Volume, LiDAR
752 m³
Parcel 42007B1026/00Z000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SAM TEC
since 20222.330.314.043
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42007B1026/00Z000 | Flanders | 632 m² | 1 · 197 m² | 6.4 m · 1 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.
Recognitions · licences · registrations
Recognised contractor
4 categoriesSAM TEC BV42678
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2022
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
42211Civil engineering
42212Civil engineering
43240Other construction installation
43299Specialised construction activities
49410Freight transport by road
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.