SAMAND
ActiveSummary
SAMAND has been active since 2012 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2024 annual accounts show negative equity (-€39,395) and a net result of -€12,928. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 3542 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-4
Solvency0=
Growth40=
Track record92
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.66 against 0.79 in 2023; short-term debt: 149.3% and cash: 2.2% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-54.8%
Return on assets
-18%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← 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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
181921222324
2018 to 2024 · latest year -€39,395
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-11-2025, 119 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
119 d late
2023
349 d late
2022
715 d late
2021
1080 d late
2019
55 d late
2018
131 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 408 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Strikeout withdrawn
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Turnover
€79,717▼ 6.3%
2022 · €85,038
EBIT margin
-11.6%▼ 6.2pp
2022 · -5.4%
Net result
-€12,928▼ 33.7%
2023 · -€9,666
Working capital
-€36,495▼ 50.6%
2023 · -€24,230
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192021202220232024
Turnover€74,307▲ 25.9%€44,624-€85,038▲ 90.6%€79,717▼ 6.3%
Operating result€2,495-€6,452--€4,634▲ 28.2%-€9,283▼ 100%-€12,699▼ 36.8%
Net result€1,431-€6,674below the sector's middle half--€5,021below the sector's middle half▲ 24.8%-€9,666below the sector's middle half▼ 92.5%-€12,928below the sector's middle half▼ 33.7%
EBIT margin3.4%▲ 7.2pp-14.5%--5.4%▲ 9.0pp-11.6%▼ 6.2pp
Equity-€16,480▲ 8.0%-€11,615below the sector's middle half--€16,636below the sector's middle half▼ 43.2%-€26,467below the sector's middle half▼ 59.1%-€39,395below the sector's middle half▼ 48.8%
Total assets€32,541▲ 24.8%€23,073below the sector's middle half-€60,645within the sector's middle half▲ 163%€91,482within the sector's middle half▲ 50.8%€71,837within the sector's middle half▼ 21.5%
Debt€49,021▲ 11.4%€34,688-€77,281▲ 123%€117,949▲ 52.6%€111,232▼ 5.7%
Working capital-€14,877▲ 8.0%-€9,375within the sector's middle half--€14,396below the sector's middle half▼ 53.6%-€24,230below the sector's middle half▼ 68.3%-€36,495below the sector's middle half▼ 50.6%
Solvency-50.6%▲ 18.0pp-50.3%below the sector's middle half--27.4%below the sector's middle half▲ 22.9pp-28.9%below the sector's middle half▼ 1.5pp-54.8%below the sector's middle half▼ 25.9pp
Current ratio0.67▲ 0.070.69below the sector's middle half-0.80within the sector's middle half▲ 0.110.79below the sector's middle half▼ 0.020.66below the sector's middle half▼ 0.13
Return on assets (ROA)4.4%▲ 22.0pp-28.9%below the sector's middle half--8.3%below the sector's middle half▲ 20.6pp-10.6%below the sector's middle half▼ 2.3pp-18.0%below the sector's middle half▼ 7.4pp
Staff (FTE)0.7▼ 22.2%1.7-2.3▲ 35.3%0.6▼ 73.9%2▲ 233%
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12,699 in 2024 against €9,283 in 2023; the loss grows and 2024 has the lowest result in the available series.
Key figures and ratios
EBITDA
-€12,036▼
2023 · -€8,951
Cash flow
-€12,265▼
2023 · -€9,335
Debt to equity
-2.82▲
2023 · -4.46
Interest coverage
-52.42▼
2023 · -23.32
Debt ≤ 1 year
€107,232▼
2023 · €113,949
Debt > 1 year
€4,000=
2023 · €4,000
Staff costs
€11,386▲
2023 · €10,610
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,940 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.0%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,940 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2019 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €74,307 | €44,624 | €85,038 | €79,717 | - | - |
| Non-recurring operating income76A | - | €741 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €42,905 | €70,933 | €70,308 | - | - |
| Remuneration, social security and pensions62 | - | €8,089 | €16,032 | €10,610 | €11,386 | ▲ 7.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €318 | €318 | - | €332 | €663 | ▲ 100.0% |
| Other operating charges640/8 | - | €505 | €2,706 | €8,723 | €2,028 | ▼ 76.8% |
| Gross operating margin9900 | €12,606 | €2,460 | €14,105 | €10,383 | €1,378 | ▼ 86.7% |
| Operating profit (loss)9901 | €2,495 | -€6,452 | -€4,634 | -€9,283 | -€12,699 | ▼ 36.8% |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | - | €222 | €387 | €384 | €230 | ▼ 40.2% |
| Recurring financial charges65 | €1,064 | €222 | €387 | €384 | €230 | ▼ 40.2% |
| Profit (loss) for the period before taxes9903 | €1,431 | -€6,674 | -€5,021 | -€9,666 | -€12,928 | ▼ 33.7% |
| Profit (loss) for the period9904 | €1,431 | -€6,674 | -€5,021 | -€9,666 | -€12,928 | ▼ 33.7% |
| Profit (loss) for the period to be appropriated9905 | €1,431 | -€6,674 | -€5,021 | -€9,666 | -€12,928 | ▼ 33.7% |
| Line | 2019 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €32,541 | €23,073 | €60,645 | €91,482 | €71,837 | ▼ 21.5% |
| Formation expenses20 | €1,100 | €1,100 | €1,100 | €1,100 | €1,100 | = |
| Fixed assets21/28 | €1,297 | €660 | €660 | €663 | - | - |
| Tangible fixed assets22/27 | €1,297 | €660 | €660 | €663 | - | - |
| Plant, machinery and equipment23 | - | €660 | €660 | €663 | - | - |
| Current assets29/58 | €30,144 | €21,313 | €58,885 | €89,718 | €70,737 | ▼ 21.2% |
| Amounts receivable within one year40/41 | €29,906 | €11,864 | €51,560 | €89,160 | €69,145 | ▼ 22.4% |
| Trade receivables40 | - | €11,864 | €51,548 | €89,160 | €69,145 | ▼ 22.4% |
| Other amounts receivable41 | - | - | €12 | - | - | - |
| Cash at bank and in hand54/58 | €238 | €9,449 | €7,325 | €558 | €1,592 | ▲ 185% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €32,541 | €23,073 | €60,645 | €91,482 | €71,837 | ▼ 21.5% |
| Equity10/15 | -€16,480 | -€11,615 | -€16,636 | -€26,467 | -€39,395 | ▼ 48.8% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €18,600 | €18,600 | €18,600 | - | - |
| Issued capital100 | - | €18,600 | €18,600 | €18,600 | - | - |
| Profit (loss) carried forward14 | -€35,080 | -€30,215 | -€35,236 | -€45,067 | -€57,995 | ▼ 28.7% |
| Amounts payable17/49 | €49,021 | €34,688 | €77,281 | €117,949 | €111,232 | ▼ 5.7% |
| Amounts payable after more than one year17 | €4,000 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Financial debts170/4 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Amounts payable within one year42/48 | €45,021 | €30,688 | €73,281 | €113,949 | €107,232 | ▼ 5.9% |
| Trade debts44 | €31,883 | €11,441 | €54,989 | €93,980 | €81,382 | ▼ 13.4% |
| Suppliers440/4 | - | €11,441 | €54,989 | €93,980 | €81,382 | ▼ 13.4% |
| Taxes, remuneration and social security45 | - | €3,618 | €6,758 | €8,625 | €16,136 | ▲ 87.1% |
| Taxes450/3 | - | €1,802 | €1,492 | €3,554 | €7,826 | ▲ 120% |
| Remuneration and social security454/9 | - | €1,817 | €5,266 | €5,071 | €8,310 | ▲ 63.9% |
| Other amounts payable47/48 | - | €15,629 | €11,534 | €11,344 | €9,714 | ▼ 14.4% |
| Line | 2019 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,431 | -€6,674 | -€5,021 | -€9,666 | -€12,928 | ▼ 33.7% |
| + Depreciation and write-downs630 | €318 | €318 | - | €332 | €663 | ▲ 100.0% |
| Operating cash flow (approximation) | €1,749 | -€6,356 | -€5,021 | -€9,335 | -€12,265 | ▼ 31.4% |
| Investment in fixed assets (approximation) | - | - | €0 | -€335 | - | - |
| Change in cash | - | - | -€2,124 | -€6,767 | €1,034 | ▲ 115% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 119 days late
05-08
KBO administration
Strikeout withdrawn
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 349 days late
15-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 715 days late
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1080 days late
2024
31-12
Financial
Weakest financial yearnet -€12,928
Net result drops to -€12,928, the lowest in the series.
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
31-12
Financial
Back to profitnet €1,431
Net result €1,431 after one loss-making year.
09-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 131 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 267 days late
10-04
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 619 days late
03-04
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 977 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2012
Ground area
277 m²
Building footprint
277 m²
Volume, LiDAR
1,943 m³
Parcel 11807G0202/00P002, Flanders · tallest building 13.8 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SAMAND
since 20122.209.109.375
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0202/00P002 | Flanders | 277 m² | 1 · 277 m² | 13.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 3,205 companies in sector 95316 we hold annual accounts for 754. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded14-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0844441121
Registered
20-11-2020
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.