Summary
SAMASSUR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €258,072 and a net result of €30,185. Equity is growing by about 9% per year across the filed financial years. Its solvency ranks better than 40% of 2,974 sector peers (NACE 66, financial year 2025). The company has been active since 2006 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
In the rankings
#8 company by equity in Châtelet, Finance and insurance sector#10 oldest company in Châtelet, Finance and insurance sector
Equity
€258,072▼ 39.4%
2024 · €425,888
Net result
€30,185▼ 19.2%
2024 · €37,341
Total assets
€664,975▲ 4.7%
2024 · €634,945
Solvency
38.8%▼ 28.3pp
2024 · 67.1%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€109,590
2025
Net result€30,185
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€664,975
2025
Equity€258,072
2025
Debt€406,903
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€82,992
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)4.5%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency38.8%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.78
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)3.3
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€41,919-€96,168▲ 129%€130,131▲ 35.3%€165,567▲ 27.2%€108,790▼ 34.3%€93,237▼ 14.3%€102,200▲ 9.6%€109,590▲ 7.2%
Net result€25,651-€63,905▲ 149%€99,430above the sector's middle half▲ 55.6%€121,106above the sector's middle half▲ 21.8%€78,635above the sector's middle half▼ 35.1%€24,043within the sector's middle half▼ 69.4%€37,341within the sector's middle half▲ 55.3%€30,185within the sector's middle half▼ 19.2%
Equity€171,428-€235,333▲ 37.3%€334,763above the sector's middle half▲ 42.3%€405,870above the sector's middle half▲ 21.2%€434,504above the sector's middle half▲ 7.1%€448,547above the sector's middle half▲ 3.2%€425,888above the sector's middle half▼ 5.1%€258,072within the sector's middle half▼ 39.4%
Total assets€396,883-€570,953▲ 43.9%€567,285within the sector's middle half▼ 0.6%€696,149above the sector's middle half▲ 22.7%€696,285above the sector's middle half=€595,053within the sector's middle half▼ 14.5%€634,945within the sector's middle half▲ 6.7%€664,975within the sector's middle half▲ 4.7%
Debt€225,455-€335,620▲ 48.9%€232,522▼ 30.7%€290,279▲ 24.8%€261,781▼ 9.8%€146,506▼ 44.0%€209,057▲ 42.7%€406,903▲ 94.6%
Working capital€56,302-€123,698▲ 120%€164,452above the sector's middle half▲ 32.9%€253,856above the sector's middle half▲ 54.4%€272,517above the sector's middle half▲ 7.4%€278,540above the sector's middle half▲ 2.2%€241,499above the sector's middle half▼ 13.3%-€82,992below the sector's middle half
Solvency43.2%-41.2%▼ 2.0pp59.0%within the sector's middle half▲ 17.8pp58.3%within the sector's middle half▼ 0.7pp62.4%within the sector's middle half▲ 4.1pp75.4%above the sector's middle half▲ 13.0pp67.1%within the sector's middle half▼ 8.3pp38.8%within the sector's middle half▼ 28.3pp
Current ratio1.26-1.58▲ 0.322.34within the sector's middle half▲ 0.752.31within the sector's middle half▼ 0.032.50within the sector's middle half▲ 0.194.43above the sector's middle half▲ 1.932.52within the sector's middle half▼ 1.910.78below the sector's middle half▼ 1.74
Return on assets (ROA)6.5%-11.2%▲ 4.7pp17.5%within the sector's middle half▲ 6.3pp17.4%within the sector's middle half▼ 0.1pp11.3%within the sector's middle half▼ 6.1pp4.0%within the sector's middle half▼ 7.3pp5.9%within the sector's middle half▲ 1.8pp4.5%within the sector's middle half▼ 1.3pp
Staff (FTE)1.8-1.4▼ 22.2%2.3within the sector's middle half▲ 64.3%2.7▲ 17.4%2.7=2▼ 25.9%2.7▲ 35.0%3.3▲ 22.2%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €664,975
Fixed assets
€378,879 ▲ 61.7%
Current assets
€286,095 ▼ 28.6%
Equity and liabilities €664,975
Equity
€258,072 ▼ 39.4%
Debt
€406,903 ▲ 94.6%
Debt's share of the balance-sheet total rises from 32.9% to 61.2%. Equity is lower and debt is higher.
Key figures and ratios
ROE
11.7%▲
2024 · 8.8%
Debt ≤ 1 year
€369,088▲
2024 · €159,200
Debt > 1 year
€34,060▼
2024 · €49,856
Income taxes
€17,790▼
2024 · €18,824
Staff costs
€98,048▲
2024 · €83,541
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €59,575 | €61,448 | €56,120 | €83,541 | €98,048 | ▲ 17.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,973 | €37,083 | €19,018 | €24,273 | €24,930 | €23,490 | €23,826 | €24,243 | ▲ 1.7% |
| Other operating charges640/8 | - | - | - | €11,114 | €8,982 | €10,920 | €10,394 | €6,119 | ▼ 41.1% |
| Gross operating margin9900 | €143,929 | €190,927 | €209,151 | €260,529 | €204,150 | €183,767 | €219,961 | €238,000 | ▲ 8.2% |
| Operating profit (loss)9901 | €41,919 | €96,168 | €130,131 | €165,567 | €108,790 | €93,237 | €102,200 | €109,590 | ▲ 7.2% |
| Financial income75/76B | - | - | - | €11,314 | €11,062 | €8,803 | €9,053 | €9,312 | ▲ 2.9% |
| Recurring financial income75 | €18,798 | €5,368 | €6,865 | €11,314 | €11,062 | €8,803 | €9,053 | €9,312 | ▲ 2.9% |
| Financial charges65/66B | - | - | - | €4,079 | €3,923 | €63,972 | €55,088 | €70,927 | ▲ 28.8% |
| Recurring financial charges65 | €7,101 | €2,451 | €4,157 | €4,079 | €3,923 | €63,972 | €55,088 | €70,927 | ▲ 28.8% |
| Profit (loss) for the period before taxes9903 | €53,616 | €99,085 | €132,839 | €172,802 | €115,929 | €38,068 | €56,165 | €47,974 | ▼ 14.6% |
| Income taxes67/77 | €27,965 | €35,180 | €33,409 | €51,696 | €37,295 | €14,025 | €18,824 | €17,790 | ▼ 5.5% |
| Profit (loss) for the period9904 | €25,651 | €63,905 | €99,430 | €121,106 | €78,635 | €24,043 | €37,341 | €30,185 | ▼ 19.2% |
| Profit (loss) for the period to be appropriated9905 | €25,651 | €63,905 | €99,430 | €121,106 | €78,635 | €24,043 | €37,341 | €30,185 | ▼ 19.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €396,883 | €570,953 | €567,285 | €696,149 | €696,285 | €595,053 | €634,945 | €664,975 | ▲ 4.7% |
| Fixed assets21/28 | €123,698 | €235,410 | €279,953 | €248,599 | €242,401 | €235,312 | €234,245 | €378,879 | ▲ 61.7% |
| Intangible fixed assets21 | - | - | €4,684 | €2,850 | €1,017 | €0 | €0 | - | - |
| Tangible fixed assets22/27 | €123,335 | €235,047 | €274,907 | €245,386 | €241,021 | €234,949 | €233,882 | €378,516 | ▲ 61.8% |
| Land and buildings22 | - | - | - | €165,718 | €155,038 | €144,963 | €135,449 | €126,451 | ▼ 6.6% |
| Plant, machinery and equipment23 | - | - | - | €63,858 | €70,807 | €78,575 | €85,208 | €73,299 | ▼ 14.0% |
| Furniture and vehicles24 | - | - | - | €15,810 | €15,176 | €11,411 | €13,225 | €10,334 | ▼ 21.9% |
| Assets under construction and advance payments27 | - | - | - | - | - | - | - | €168,433 | - |
| Financial fixed assets28 | €363 | €363 | €363 | €363 | €363 | €363 | €363 | €363 | = |
| Current assets29/58 | €273,185 | €335,543 | €287,332 | €447,550 | €453,884 | €359,741 | €400,700 | €286,095 | ▼ 28.6% |
| Amounts receivable after more than one year29 | - | - | - | €406,666 | €397,725 | €316,526 | €325,579 | €234,890 | ▼ 27.9% |
| Other amounts receivable291 | - | - | - | €406,666 | €397,725 | €316,526 | €325,579 | €234,890 | ▼ 27.9% |
| Amounts receivable within one year40/41 | €273,185 | €35,543 | €37,985 | €38,371 | €30,451 | €41,035 | €55,612 | €40,908 | ▼ 26.4% |
| Trade receivables40 | - | - | - | €38,371 | €30,451 | €35,060 | €55,612 | €40,908 | ▼ 26.4% |
| Other amounts receivable41 | - | - | - | - | - | €5,975 | - | - | - |
| Cash at bank and in hand54/58 | - | - | - | - | €23,460 | - | €17,192 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | - | - | €2,513 | €2,248 | €2,180 | €2,317 | €10,297 | ▲ 344% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €396,883 | €570,953 | €567,285 | €696,149 | €696,285 | €595,053 | €634,945 | €664,975 | ▲ 4.7% |
| Equity10/15 | €171,428 | €235,333 | €334,763 | €405,870 | €434,504 | €448,547 | €425,888 | €258,072 | ▼ 39.4% |
| Contributions10/11 | €12,400 | €12,400 | - | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Contributions outside capital11 | - | - | - | €12,400 | €12,400 | €12,400 | €12,400 | - | - |
| Other1109/19 | - | - | - | €12,400 | €12,400 | €12,400 | €12,400 | - | - |
| Reserves13 | €156,088 | €216,088 | €266,088 | €286,088 | €314,088 | €327,588 | €302,588 | €129,588 | ▼ 57.2% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | - | - | €44,228 | €44,228 | €44,228 | €44,228 | €44,228 | = |
| Distributable reserves133 | - | - | - | €240,000 | €268,000 | €281,500 | €256,500 | €83,500 | ▼ 67.4% |
| Profit (loss) carried forward14 | €2,940 | €6,845 | €56,275 | €107,381 | €108,016 | €108,559 | €110,899 | €116,084 | ▲ 4.7% |
| Amounts payable17/49 | €225,455 | €335,620 | €232,522 | €290,279 | €261,781 | €146,506 | €209,057 | €406,903 | ▲ 94.6% |
| Amounts payable after more than one year17 | €8,572 | €123,775 | €109,642 | €95,190 | €80,414 | €65,305 | €49,856 | €34,060 | ▼ 31.7% |
| Financial debts170/4 | - | - | - | €95,190 | €80,414 | €65,305 | €49,856 | €34,060 | ▼ 31.7% |
| Amounts payable within one year42/48 | €216,883 | €211,845 | €122,880 | €193,693 | €181,367 | €81,201 | €159,200 | €369,088 | ▲ 132% |
| Current portion of amounts payable after more than one year42 | - | - | - | €14,451 | €14,776 | €15,109 | €15,449 | €15,796 | ▲ 2.2% |
| Financial debts43 | - | - | - | €620 | - | €493 | - | €10,009 | - |
| Credit institutions430/8 | - | - | - | €620 | - | €493 | - | €10,009 | - |
| Trade debts44 | €23,408 | €41,451 | €38,250 | €28,035 | €25,239 | €17,914 | €37,608 | €70,518 | ▲ 87.5% |
| Suppliers440/4 | - | - | - | €28,035 | €25,239 | €17,914 | €37,608 | €70,518 | ▲ 87.5% |
| Taxes, remuneration and social security45 | - | - | - | €93,856 | €84,001 | €29,874 | €21,626 | €51,718 | ▲ 139% |
| Taxes450/3 | - | - | - | €77,605 | €71,490 | €17,795 | €6,824 | €32,951 | ▲ 383% |
| Remuneration and social security454/9 | - | - | - | €16,251 | €12,511 | €12,079 | €14,802 | €18,768 | ▲ 26.8% |
| Other amounts payable47/48 | - | - | - | €56,731 | €57,350 | €17,811 | €84,518 | €221,046 | ▲ 162% |
| Accrued charges and deferred income492/3 | - | - | - | €1,396 | - | - | - | €3,755 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,651 | €63,905 | €99,430 | €121,106 | €78,635 | €24,043 | €37,341 | €30,185 | ▼ 19.2% |
| + Depreciation and write-downs630 | €33,973 | €37,083 | €19,018 | €24,273 | €24,930 | €23,490 | €23,826 | €24,243 | ▲ 1.7% |
| Operating cash flow (approximation) | €59,624 | €100,989 | €118,448 | €145,379 | €103,565 | €47,533 | €61,167 | €54,427 | ▼ 11.0% |
| Investment in fixed assets (approximation) | - | -€148,795 | -€63,561 | €7,081 | -€18,732 | -€16,401 | -€22,759 | -€168,877 | ▼ 642% |
| Change in cash | - | - | - | - | - | - | - | -€17,192 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of the 4,608 companies in this sector, figures are known for 3,210. 2,748 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: not fully processed yet. The notices from February 2023 to September 2026 are still being read.