Samab
ActiveSummary
The computed 12-month bankruptcy probability of Samab is 2.7% (moderate). The 2025 annual accounts show equity of €12,161 and a net result of €16,334. Equity has been growing by about 49% per year since 2020. Its solvency ranks better than 22% of 3,308 sector peers (NACE 95, financial year 2025). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 17-01-2020 Normal situation
- Activity
- General maintenance and repair of cars and light vans (up to 3.5 tonnes) NACE 95311and 4 others
- Joint committee
- 112 Paritair Comité voor het garagebedrijf · annual accounts 2025
- Establishment unit
- 2.299.407.863 2170 Antwerpen, since 17-01-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 22-10-2026
Board and ownership
Board
- Cekic Abdül SametDirector · since 17-01-2020
- Enes DikićDirector · since 01-10-2024
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.7%
Annual accounts 2025
- Gross margin
- €40,868
- ▲ 449%
- Turnover
- ≈ €130,000
- estimated
- Profit
- €16,334
- Equity
- €12,161
- Total assets
- €181,728
- ▲ 164%
- Employees on 31-12-2025
- 1
Score breakdownraises risk2 of the last 3 accounts lateFounded in 2020Sector: Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)Liquidity: current ratio 1.05, cash €5,493Show the evidence
Checked score
Score 2025
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 47% of micro companies in repair of computers and personal goods (NACE 95)
Financial strength · tick: 2024
Weak
Solvency
32+13
equity 6.7% of total assets
Liquidity
4-1
short-term debt 93.3% · cash 3.0%
Profitability
80+22
return on assets 9.0%
Bankruptcy probability within 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 4.1%
01-2025: 4.0%▼ -0.1 percentage points vs 12-2024
02-2025: 4.0%● unchanged vs 01-2025
03-2025: 4.0%● unchanged vs 02-2025
04-2025: 4.0%● unchanged vs 03-2025
05-2025: 4.0%● unchanged vs 04-2025
06-2025: 4.1%▲ +0.1 percentage points vs 05-2025
07-2025: 4.0%▼ -0.1 percentage points vs 06-2025
08-2025: 4.5%▲ +0.5 percentage points vs 07-2025
09-2025: 4.7%▲ +0.2 percentage points vs 08-2025
10-2025: 5.8%▲ +1.1 percentage points vs 09-2025highest value
11-2025: 3.7%▼ -2.1 percentage points vs 10-2025
12-2025: 3.7%● unchanged vs 11-2025
01-2026: 3.7%● unchanged vs 12-2025
02-2026: 3.7%● unchanged vs 01-2026
03-2026: 3.6%▼ -0.1 percentage points vs 02-2026
04-2026: 3.3%▼ -0.3 percentage points vs 03-2026
05-2026: 3.2%▼ -0.1 percentage points vs 04-2026
06-2026: 3.1%▼ -0.1 percentage points vs 05-2026
07-2026: 3.1%● unchanged vs 06-2026
08-2026: 2.7%▼ -0.4 percentage points vs 07-2026lowest value
09-2026: 2.7%● unchanged vs 08-2026lowest value
10-2026: 2.7%● unchanged vs 09-2026lowest value
11-2026: 2.7%● unchanged vs 10-2026lowest value
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.05 (0.88 in 2024), below the usual 1.5. Short-term debt is 93.3% and cash 3% of total assets. 93.3% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro). It does better than 21% of them on solvency, 4% on liquidity, 63% on profitability and 98% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 3308 sector peers (2025).
NBB · sector comparisonPosition among 3308 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 day early
2024
71 days late
2023
86 days late
2022
316 days late
2021
681 days late
2020
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 202 days after the deadline. In the sector (NACE 95), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 October (4 of the last 5 accounts filed within 229 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-07-2026 at the NBB all 6 filings
Turnover
€218,313▼ 26.0%
2021 · €294,913
EBIT margin
2.2%▲ 7.9pp
2021 · -5.6%
Net result
€16,334
2024 · -€580
Working capital
€8,185
2024 · -€8,549
Multi-year overview
2020 to 2025, 6 financial yearsTurnover
no figure
2025
20202025
Operating result
€25,270
▲ 109×
2025
20202025
Net result
€16,334
2025
middle half of the sector
20202025
EBIT margin
no figure
2025
20202025
Equity
€12,161
2025
middle half of the sector
20202025
Total assets
€181,728
▲ 164%
2025
middle half of the sector
20202025
Debt
€169,567
▲ 133%
2025
20202025
Working capital
€8,185
2025
middle half of the sector
20202025
Solvency
6.7%
▲ 12.8pp
2025
lowest quarter of the sector
20202025
Current ratio
1.05
▲ 0.17
2025
middle half of the sector
20202025
Return on assets (ROA)
9.0%
▲ 9.8pp
2025
middle half of the sector
20202025
Staff (FTE)
1
2025
20202025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202020212022202320242025
Turnover€294,913€218,313▼ 26.0%
Operating result-€7,112--€16,655▼ 134%€4,902€8,134▲ 65.9%€233▼ 97.1%€25,270▲ 109×
Net result-€7,178below the sector's middle half--€16,905below the sector's middle half▼ 135%€4,273within the sector's middle half€7,217within the sector's middle half▲ 68.9%-€580within the sector's middle half€16,334within the sector's middle half
EBIT margin-5.6%2.2%▲ 7.9pp
Equity€1,822below the sector's middle half--€15,083below the sector's middle half-€10,811below the sector's middle half▲ 28.3%-€3,594below the sector's middle half▲ 66.8%-€4,173below the sector's middle half▼ 16.1%€12,161within the sector's middle half
Total assets€9,910below the sector's middle half-€105,050within the sector's middle half▲ 960%€18,502below the sector's middle half▼ 82.4%€120,226within the sector's middle half▲ 550%€68,721within the sector's middle half▼ 42.8%€181,728within the sector's middle half▲ 164%
Debt€8,089-€120,133▲ 15×€29,313▼ 75.6%€123,819▲ 322%€72,894▼ 41.1%€169,567▲ 133%
Working capital-€880within the sector's middle half--€1,209within the sector's middle half▼ 37.3%-€18,947below the sector's middle half▼ 1,468%-€9,724within the sector's middle half▲ 48.7%-€8,549within the sector's middle half▲ 12.1%€8,185within the sector's middle half
Solvency18.4%within the sector's middle half--14.4%below the sector's middle half▼ 32.7pp-58.4%below the sector's middle half▼ 44.1pp-3.0%below the sector's middle half▲ 55.4pp-6.1%below the sector's middle half▼ 3.1pp6.7%below the sector's middle half▲ 12.8pp
Current ratio0.89within the sector's middle half-0.99within the sector's middle half▲ 0.100.35below the sector's middle half▼ 0.630.92within the sector's middle half▲ 0.570.88within the sector's middle half▼ 0.041.05within the sector's middle half▲ 0.17
Return on assets (ROA)-72.4%below the sector's middle half--16.1%below the sector's middle half▲ 56.3pp23.1%above the sector's middle half▲ 39.2pp6.0%within the sector's middle half▼ 17.1pp-0.8%below the sector's middle half▼ 6.8pp9.0%within the sector's middle half▲ 9.8pp
Staff (FTE)1
above
within
below
The sector band is the middle half of the companies in Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 109 times that of 2024 and the highest since 2021. It is a recovery after the fall in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €181,728
Fixed assets
€3,975 ▼ 9.1%
Current assets
€177,752 ▲ 176%
Equity and liabilities €181,728
Equity
€12,161
Debt
€169,567
Debt's share of the balance-sheet total is 93.3%.
Key figures and ratios
EBITDA
€26,982▲
2024 · €1,988
Cash flow
€18,047▲
2024 · €1,175
Quick ratio
0.75▲
2024 · 0.68
Debt to equity
13.94
ROE
134.3%
Interest coverage
11.39▲
2024 · 4.88
Debt ≤ 1 year
€169,567▲
2024 · €72,894
Income taxes
€6,835▲
2024 · €632
Staff costs
€8,305
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 1 |
| full-time | 0 |
| part-time | 1 |
| in full-time equivalents | 0.7 |
| Average over the year, in full-time equivalents | 0.7 |
| On a permanent contract | 1 |
| Joined | 1 |
| Left | 0 |
Source: social balance sheet in the 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €423 | €7,015 | - | - | €1,313 |
| Financial fixed assets | - | - | - | - | €0 |
| Depreciation and write-downs of the year | - | €2,003 | €2,007 | €1,755 | €1,713 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Turnover70 | - | €294,913 | €218,313 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €306,466 | €209,099 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | - | - | €8,305 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €376 | - | €2,003 | €2,007 | €1,755 | €1,713 | ▼ 2.4% |
| Other operating charges640/8 | - | €5,102 | €2,309 | €10,716 | €5,452 | €5,580 | ▲ 2.4% |
| Gross operating margin9900 | -€6,111 | -€11,553 | €9,214 | €20,857 | €7,439 | €40,868 | ▲ 449% |
| Operating profit (loss)9901 | -€7,112 | -€16,655 | €4,902 | €8,134 | €233 | €25,270 | ▲ 109× |
| Financial income75/76B | - | €1 | €0 | - | €227 | €268 | ▲ 18.0% |
| Recurring financial income75 | €4 | €1 | €0 | - | €227 | €268 | ▲ 18.0% |
| Financial charges65/66B | - | €251 | €629 | €268 | €408 | €2,368 | ▲ 481% |
| Recurring financial charges65 | €7 | €251 | €629 | €268 | €408 | €2,368 | ▲ 481% |
| Profit (loss) for the period before taxes9903 | -€7,115 | -€16,905 | €4,273 | €7,866 | €52 | €23,169 | ▲ 442× |
| Income taxes67/77 | €64 | - | - | €649 | €632 | €6,835 | ▲ 981% |
| Profit (loss) for the period9904 | -€7,178 | -€16,905 | €4,273 | €7,217 | -€580 | €16,334 | - |
| Profit (loss) for the period to be appropriated9905 | -€7,178 | -€16,905 | €4,273 | €7,217 | -€580 | €16,334 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €9,910 | €105,050 | €18,502 | €120,226 | €68,721 | €181,728 | ▲ 164% |
| Fixed assets21/28 | €2,702 | €3,125 | €8,137 | €6,130 | €4,375 | €3,975 | ▼ 9.1% |
| Tangible fixed assets22/27 | €1,302 | €1,725 | €6,737 | €4,730 | €2,975 | €2,575 | ▼ 13.4% |
| Plant, machinery and equipment23 | - | €755 | €212 | €93 | €0 | €1,088 | - |
| Furniture and vehicles24 | - | €970 | €6,525 | €4,637 | €2,975 | €1,488 | ▼ 50.0% |
| Financial fixed assets28 | €1,400 | €1,400 | €1,400 | €1,400 | €1,400 | €1,400 | = |
| Current assets29/58 | €7,209 | €101,925 | €10,365 | €114,096 | €64,346 | €177,752 | ▲ 176% |
| Stocks and contracts in progress3 | - | - | - | €4,000 | €15,000 | €50,735 | ▲ 238% |
| Stocks30/36 | - | - | - | €4,000 | €15,000 | €50,735 | ▲ 238% |
| Amounts receivable within one year40/41 | €3,478 | €85,503 | €5,698 | €102,325 | €42,913 | €117,986 | ▲ 175% |
| Trade receivables40 | - | €53,499 | €5,698 | €78,734 | €6,746 | €116,504 | ▲ 17× |
| Other amounts receivable41 | - | €32,004 | - | €23,592 | €36,167 | €1,482 | ▼ 95.9% |
| Cash at bank and in hand54/58 | €2,692 | €6,799 | €1,129 | €4,233 | €2,895 | €5,493 | ▲ 89.7% |
| Deferred charges and accrued income490/1 | - | €9,622 | €3,538 | €3,538 | €3,538 | €3,538 | = |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €9,910 | €105,050 | €18,502 | €120,226 | €68,721 | €181,728 | ▲ 164% |
| Equity10/15 | €1,822 | -€15,083 | -€10,811 | -€3,594 | -€4,173 | €12,161 | - |
| Contributions10/11 | - | €9,000 | €9,000 | €9,000 | €9,000 | €9,000 | = |
| Reserves13 | - | - | - | €7,217 | €7,217 | €3,161 | ▼ 56.2% |
| Distributable reserves133 | - | - | - | €7,217 | €7,217 | €3,161 | ▼ 56.2% |
| Profit (loss) carried forward14 | -€7,178 | -€24,083 | -€19,811 | -€19,811 | -€20,390 | €0 | - |
| Amounts payable17/49 | €8,089 | €120,133 | €29,313 | €123,819 | €72,894 | €169,567 | ▲ 133% |
| Amounts payable within one year42/48 | €8,089 | €103,133 | €29,313 | €123,819 | €72,894 | €169,567 | ▲ 133% |
| Financial debts43 | - | - | - | - | - | €4 | - |
| Credit institutions430/8 | - | - | - | - | - | €4 | - |
| Trade debts44 | €891 | €64,752 | €2,296 | €73,876 | €20,504 | €115,655 | ▲ 464% |
| Suppliers440/4 | - | €64,752 | €2,296 | €73,876 | €20,504 | €115,655 | ▲ 464% |
| Taxes, remuneration and social security45 | - | €33,707 | €10,651 | €46,864 | €49,721 | €15,936 | ▼ 68.0% |
| Taxes450/3 | - | €33,707 | €10,651 | €46,864 | €49,721 | €13,331 | ▼ 73.2% |
| Remuneration and social security454/9 | - | - | - | - | - | €2,605 | - |
| Other amounts payable47/48 | - | €4,675 | €16,366 | €3,079 | €2,669 | €37,972 | ▲ 14× |
| Accrued charges and deferred income492/3 | - | €17,000 | - | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,178 | -€16,905 | €4,273 | €7,217 | -€580 | €16,334 | - |
| + Depreciation and write-downs630 | €376 | - | €2,003 | €2,007 | €1,755 | €1,713 | ▼ 2.4% |
| Operating cash flow (approximation) | -€6,803 | -€16,905 | €6,276 | €9,224 | €1,175 | €18,047 | ▲ 15× |
| Investment in fixed assets (approximation) | - | -€423 | -€7,015 | €0 | €0 | -€1,313 | - |
| Change in cash | - | €4,107 | -€5,670 | €3,104 | -€1,337 | €2,598 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,153 companies had the same profile as Samab has now. Two years later, 96.1% were still going and 1.7% had gone bankrupt.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
96.1%
was still going
2.2%
stopped otherwise
1.7%
went bankrupt
The bankruptcy probability of Samab itself is higher: 2.7% within 12 months. It rests on far more data about Samab than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,153 companies, not a prediction for Samab. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-07-2026 | 2026-00353852 | |
| 31-12-2024 | micro format | 10-10-2025 | 2025-00544372 | |
| 31-12-2023 | micro format | 25-10-2024 | 2024-00514484 | |
| 31-12-2022 | micro format | 11-06-2024 | 2024-00137624 | |
| 31-12-2021 | micro format | 11-06-2024 | 2024-00137623 | |
| 31-12-2020 | micro format | 30-09-2021 | 2021-69200516 |
Board & ownership
Directors
Directors
2 directors, last change in 2024
Cekic Abdül Samet
Current
Enes Dikić
Current
Director · since 01-10-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 30-07-2026
Owners and capital
Owners
Mandate history
3 people, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Cekic Abdül Samet |
|
| Enes Dikić |
|
| Soufiane Zekri |
|
Network & group
Samab shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of Samab. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
30-07
micro format · 1 day before the deadline
2025
31-12
Financial
Back to profitnet €16,334
The net result is €16,334, after one loss-making year.
10-10
micro format · 71 days late
2024
14-11
Gazette deed
Appointment: Enes Dikić (director)Resignation: Soufiane Zekri (director) · Director discharge4 points ▸
Gazette deed
Appointment: Enes Dikić (director)
Resignation: Soufiane Zekri (director) · Director discharge4 points ▸
- General meeting, 01-10-2024
- Director appointment, Enes Dikić (director)
- Director resignation, Soufiane Zekri (director)
- Director discharge, Soufiane Zekri
25-10
micro format · 86 days late
11-06
micro format · 316 days late
11-06
micro format · 681 days late
2022
31-12
Financial
Back to profitnet €4,273
The net result is €4,273, after 2 loss-making years.
2021
31-12
Financial
Weakest financial yearnet -€16,905
The net result drops to -€16,905, the lowest from 2020 to 2025. It recovers the following year.
30-09
micro format · 61 days late
2020
21-01
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Samab in Dutch
Enterprise number
0741.729.207
Legal form
Private limited company
Status
Active, normale toestand
Founded
17-01-2020
Entity type
Legal entity
Registered office and establishments
Registered office
Bredabaan 733-737, 2170 Antwerpen, Belgium
Establishment unit
Auto Center Merksem, Bredabaan 733-737, 2170 Antwerpen since 17-01-2020 · unit number 2.299.407.863
Activities
NACEBEL 2025VAT activities
95311
General maintenance and repair of cars and light vans (up to 3.5 tonnes) main activity
47812
Retail trade
47820
Retail sale of motor vehicle parts and accessories
77110
Renting and leasing of cars and light motor vehicles
95314
Bodywork repair (including spraying and painting)
Social security (RSZ) activities
95311
General maintenance and repair of cars and light vans (up to 3.5 tonnes) main activity
Codes under NACEBEL 2008
45201
main activity
45193
45204
45320
77110
Renting of cars
Joint committee
112 Paritair Comité voor het garagebedrijf annual accounts 2025
Invoicing and payment
VAT number
BE 0741.729.207
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
304 m²
Building footprint
304 m²
Building volume
2,071 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11423B0296/00D004 | Flanders | 304 m² | 1 · 304 m² | 9.7 m · 2 |