SAMAU
ActiveSAMAU has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €111k and a net result of €7k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 36376 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
94
/ 100
Excellent▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability32▲+10
Solvency100▲+1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.29 against 2.98 in 2023), and 32.5% 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.
−lowers risk+raises risk○neutral
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 →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
21 d early
2022
35 d early
2021
31 d late
2020
30 d late
2019
89 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€111k▲ 6.9%
2023 · €104k
2018: €33k
2019: €33k
2020: €72k
2021: €85k
2022: €100k
2023: €104k
2018 → 2024
Total assets
€165k▼ 0.5%
2023 · €166k
2018: €119k
2019: €95k
2020: €114k
2021: €124k
2022: €124k
2023: €166k
2018 → 2024
Net result
€7k▲ 53.8%
2023 · €5k
2018: €5k
2019: €879
2020: €39k
2021: €14k
2022: €14k
2023: €5k
2018 → 2024
Working capital
€87k▲ 16.2%
2023 · €74k
2018: €31k
2019: €30k
2020: €71k
2021: €81k
2022: €82k
2023: €74k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€72k-€85k▲ 18.8%€100k▲ 16.5%€104k▲ 4.7%€111k▲ 6.9%
Operating result€54k-€18k▼ 66.7%€22k▲ 21.3%€9k▼ 57.9%€16k▲ 73.1%
Net result€39k-€14k▼ 64.8%€14k▲ 4.1%€5k▼ 66.8%€7k▲ 53.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 73% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €165k
Fixed assets
€41k▼ 24.1%
Current assets
€124k▲ 10.8%
Equity and liabilities €165k
Equity
€111k▲ 6.9%
Debt
€54k▼ 13.0%
The debt ratio falls from 37.2% to 32.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€29k▲
2023 · €16k
Cash flow
€20k▲
2023 · €11k
Solvency
67.5%▲
2023 · 62.8%
Current ratio
3.29▲
2023 · 2.98
Quick ratio
3.29▲
2023 · 2.98
Debt / equity
0.48▼
2023 · 0.59
ROE
6.5%▲
2023 · 4.5%
ROA
4.4%▲
2023 · 2.8%
Interest coverage
14.68▲
2023 · 8.63
Debt
€54k▼
2023 · €62k
Debt ≤ 1 year
€38k▲
2023 · €38k
Debt > 1 year
€16k▼
2023 · €24k
Income taxes
€7k▲
2023 · €3k
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€166k€165k▼
Fixed assets21/28€54k€41k▼
Tangible fixed assets22/27€54k€41k▼
Furniture and vehicles24€54k€41k▼
Financial fixed assets28€135€135=
Current assets29/58€112k€124k▲
Amounts receivable within one year40/41€99k€110k▲
Trade receivables40€95k€105k▲
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€12k€14k▲
Deferred charges and accrued income490/1€389€408▲
Equity and liabilities
Total equity and liabilities10/49€166k€165k▼
Equity10/15€104k€111k▲
Contributions10/11€19k€19k=
Reserves13€86k€93k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€86k€93k▲
Amounts payable17/49€62k€54k▼
Amounts payable after more than one year17€24k€16k▼
Financial debts170/4€24k€16k▼
Amounts payable within one year42/48€38k€38k▲
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€11k€11k▲
Taxes450/3€11k€11k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€11k€15k▲
Income statement
Code20232024
Non-recurring operating income76A€0€6k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€13k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€19k€32k▲
Operating profit (loss)9901€9k€16k▲
Financial income75/76B€17€17▲
Recurring financial income75€17€17▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€7k€14k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€5k€7k▲
Profit (loss) for the period to be appropriated9905€5k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€7k▲
Transfer to equity691/2€5k€7k▲
To other reserves6921€5k€7k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €104k ▲4.7%
6 profitable years in a row build equity to €104k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €39k ▲4283%
Operating result €54k, net result €39k, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €879 ▼82%
Net result drops to €879, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Oostende · 1 establishment unit since 2011
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.
Graanmolenstraat 68400 OostendeGround area
1,193 m²
Building footprint
442 m²
Volume, LiDAR
3,176 m³
2 parcels, Flanders · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Fashion Line
since 20112.195.829.085
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35026B0425/00Z000 | Flanders | 635 m² | 1 · 127 m² | 9.9 m · 2 fl. |
| 34010A0086/00S002 | Flanders | 558 m² | 1 · 315 m² | 14.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
HOUTWERKEN J. & R. DEVOS
BE 0464.353.153
Zwevegem · Eq €111k
TOP MENUISERIE
BE 0479.973.222
Bernissart · Eq €111k
D.C.D CONSTRUCT
BE 0745.603.267
Anderlecht · Eq €111k
HOUTZAGERIJ CLAESSENS
BE 0420.550.626
Antwerpen · Eq €111k
The A-Team
BE 0765.745.912
Beveren-Kruibeke-Zwijndrecht · Eq €111k
Of 19,948 companies in sector 43320 we hold annual accounts for 9,084. 7,677 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2011
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.