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SAMAN VALERE

Active
Private limited companyfounded 1989active for 37 yearsHeimeersstraat(STE) 6, 9190 Stekene, BelgiumKBO/BCE: BE 0438.532.347
Summary

SAMAN VALERE has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44,114 and a net result of €4,273. Equity has been stable since 2018 (±1.8% per year). Its solvency ranks better than 74% of 34,902 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 29-09-1989 Normal situation
Activity
Other specialised construction activities NACE 43990
Establishment unit
2.045.437.218 9190 Stekene, since 02-11-1989
Financial year end
31 December
Peppol
Reachable since 06-01-2026

Board and ownership

Board

Financial position

89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€9,045
▲ 32×
Turnover
≈ €120,000
estimated
Profit
€4,273
Equity
€44,114
▲ 10.7%
Total assets
€64,301
▲ 7.5%
Filed on 03-06-2026, 58 days before the deadline
Score breakdownraises riskSector: Specialised construction activities (NACE 43)Size: total assets €64,301lowers riskFounded in 1989Liquidity: current ratio 2.67, cash €8,326Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 58% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Strong
Solvency 94+2
equity 68.6% of total assets
Liquidity 53+9
short-term debt 31.4% · cash 12.9%
Profitability 77+66
return on assets 6.6%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024lowest value 02-2025: 0.1%● unchanged vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.2%▲ +0.1 percentage points vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.5 percentage points vs 06-2025 08-2025: 0.7%● unchanged vs 07-2025 09-2025: 0.7%● unchanged vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026highest value 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.2%▼ -0.5 percentage points vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.67 (2.3 in 2024), above the usual 1.5. Short-term debt is 31.4% and cash 12.9% of total assets. 31.4% 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 43, micro). It does better than 75% of them on solvency, 48% on liquidity, 53% on profitability and 56% on growth.

The bankruptcy probability was computed on 01-11-2026 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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Founded in 1989
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €64,301
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 2.67, cash €8,326
NBB · annual accounts
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
58 days early
2024
58 days early
2023
56 days early
2022
61 days early
2021
61 days early
2020
38 days early
2019
17 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 50 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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 3 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Recent changes

  1. · Gazette deed Resignation: Dirk Saman (director)Appointment: Dirk Saman (director)
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as SAMAN VALERE: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €46,300 and €73,500, founded between 1984 and 1997.

CompanyTotal assetsGross margin
SAMAN VALERE Stekene€64,301€9,045
DE BLEECKER Gent€73,497€5,179
ENTREPRISES BREARD et FILS Braine-l'Alleud€61,425€9,221
EURO - VOEG Tielt-Winge€57,338€7,779
S.T.C. Blégny€52,334€10,320
ETUDES ET EMBELLISSEMENTS Wavre€46,274€8,282
FAST PROTEKTOR Anderlecht€60,520€9,161
Full comparison

Key facts about SAMAN VALERE

What is the company number of SAMAN VALERE?
The company number of SAMAN VALERE is 0438.532.347. The VAT number is the same number with BE in front: BE 0438.532.347.
Where is SAMAN VALERE based?
The registered office is at Heimeersstraat(STE) 6, 9190 Stekene.Company details
What does SAMAN VALERE do?
According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
What is the legal form of SAMAN VALERE?
The legal form of SAMAN VALERE is Private limited company (BV).
When was SAMAN VALERE founded?
SAMAN VALERE was founded on 29-09-1989.
Is SAMAN VALERE still active?
Yes, SAMAN VALERE is an active enterprise in the KBO register.
What is the turnover of SAMAN VALERE?
The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €9,045 and 205 comparable companies (NACE 43990). It probably lies between €66,000 and €240,000. It is a rough estimate.Financials
Is SAMAN VALERE profitable?
In financial year 2025, SAMAN VALERE made a profit of €4,273.
Where can I find the annual accounts of SAMAN VALERE?
SAMAN VALERE filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SAMAN VALERE due?
SAMAN VALERE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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